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   "value": "<div class=\"ps9649 ss8\"><div class=\"ps14\"><div class=\"ps19\"><img alt=\"fanitit.png\" id=\"i-165\" 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style=\"height:17.22pt;width:66pt\"/></div></div></div><div class=\"ps9650 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">Fani Titi<span class=\"f ps2\"> </span></span></div><div class=\"ps9651 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group Chief Executive<span class=\"f ps2\"> </span></span></div>12\u00a0June 2026",
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   "value": "<div class=\"ps192 ss48\"><div><div class=\"ps191 ss47\"><span class=\"f charStyle-9fd9d059 ps7\">ACCOUNTING POLICIES<span class=\"f ps2\"> </span></span></div></div></div><div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_217\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Basis of preparation</span></div><div class=\"ps979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Under the contractual arrangements implementing the dual listed companies (DLC) structure, Investec plc and Investec Limited, </span></div><div class=\"ps980 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the latter a company incorporated in South Africa, effectively form a single economic enterprise in which the economic and voting </span></div><div class=\"ps981 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">rights of shareholders are equalised, with neither entity assuming a dominant role. In accordance with this structure, the </span></div><div class=\"ps982 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">appropriate presentation under UK adopted international accounting standards and under IFRS\u00ae Accounting Standards is achieved </span></div><div class=\"ps2364 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">by combining the results and the financial position of both companies using merger accounting principles. For an understanding of </span></div><div class=\"ps8136 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the results, financial position and cash flows of the Investec DLC Group, refer to the Investec integrated annual report. The </span></div><div class=\"ps4873 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">combined consolidated financial statements of Investec plc and Investec Limited are therefore considered the statutory financial </span></div><div class=\"ps4874 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">statements of Investec plc and Investec Limited respectively.</span></div><div class=\"ps8137 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group financial statements in this document are prepared to present the financial position, results and cash flows of Investec </span></div><div class=\"ps8138 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">plc and its subsidiaries and are prepared as if Investec plc were a standalone component of the DLC structure, but with earnings </span></div><div class=\"ps4877 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">per share disclosed in the DLC combined consolidated financial statements by virtue of the sharing arrangement, for the purpose of </span></div><div class=\"ps8139 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">providing financial information to the shareholders of Investec plc. With the exception of these specific items, the Group financial </span></div><div class=\"ps8726 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">statements have been prepared in accordance with UK adopted international accounting standards and with IFRS Accounting </span></div><div class=\"ps4879 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Standards as issued by the International Accounting Standards Board (IASB).</span></div><div class=\"ps8183 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">As stated on page </span><span class=\"f charStyle-c4fc3a3f ps10564\"><a class=\"Hyperlink\" href=\"#ic1a08854e51d46aaade4689eebcb8af0_128566\" style=\"z-index:1\">52</a></span><span class=\"f charStyle-33e1c6d6 ps10565\">, </span><span class=\"f charStyle-33e1c6d6 ps10566\">the directors consider that it is appropriate to continue to adopt the going concern basis in preparing the </span></div><div class=\"ps10567 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">financial statements.</span></div><div class=\"ps10568 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The accounting policies adopted by the Group are consistent with the prior year, other than those standards and amendments that </span></div><div class=\"ps10569 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">became effective in the current year, which had no material impact on the Group.</span></div><div class=\"ps10570 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group and Company annual financial statements have been prepared on a historical cost basis, except as otherwise indicated. </span></div><div class=\"ps10571 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Basis of consolidation</span></div><div class=\"ps10572 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">All subsidiaries or structured entities are consolidated when the Group controls an investee. The Group controls an investee if it is </span></div><div class=\"ps10573 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">exposed to, or has rights to, variable returns from its involvement with the investee and has the ability to affect those returns </span></div><div class=\"ps10574 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">through its power over the investee. The financial results of subsidiaries are included in the consolidated annual financial </span></div><div class=\"ps10575 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">statements of the Group from the date on which control is obtained until the date the Group can no longer demonstrate control.</span></div><div class=\"ps10576 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group performs a reassessment of control whenever there is a change in the substance of the relationship between the Group </span></div><div class=\"ps10577 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and an investee. A change in the ownership interest of a subsidiary, without a loss of control, is accounted for as an equity </span></div><div class=\"ps10578 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">transaction.</span></div><div class=\"ps10579 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">If the Group loses control over a subsidiary, it derecognises the related assets (including goodwill), liabilities, non-controlling </span></div><div class=\"ps10580 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">interests and other components of equity. Any resultant gain or loss is recognised in profit or loss. Any investment retained is </span></div><div class=\"ps10581 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recognised at fair value. </span></div><div class=\"ps10582 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Entities, other than subsidiary undertakings, in which the Group exercises significant influence or joint control over operating and </span></div><div class=\"ps10583 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">financial policies, are treated as interests in associated undertakings and joint venture holdings. Interests in associated </span></div><div class=\"ps10584 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">undertakings and joint venture holdings held with strategic intention, are accounted for using the equity method from the date that </span></div><div class=\"ps10585 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">significant influence or joint control commences until the date that significant influence or joint control ceases. These investments </span></div><div class=\"ps10586 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">are presented as \u2018Interests in associated undertakings and joint venture holdings\u2019 on the balance sheet. In circumstances where </span></div><div class=\"ps10587 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">interests in associated undertakings and joint venture holdings arise in which the Group has no strategic intention, these </span></div><div class=\"ps10588 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">investments are held for capital appreciation and/or investment income and are classified as \u2018venture capital\u2019 holdings and are </span></div><div class=\"ps10589 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">elected as held at fair value through profit or loss. These investments are presented within investment portfolio on the balance </span></div><div class=\"ps10590 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sheet.</span></div><div class=\"ps10591 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For equity accounted associated undertakings and joint venture holdings, the Group\u2019s consolidated annual financial statements </span></div><div class=\"ps10592 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">include the attributable share of the results and reserves of associated undertakings and joint venture holdings. The Group\u2019s </span></div><div class=\"ps10593 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">interests in associated undertakings and joint venture holdings are included in the consolidated balance sheet at cost plus the </span></div><div class=\"ps10594 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">post-acquisition changes in the Group\u2019s share of the net assets of the associated undertakings and joint venture holdings.</span></div><div class=\"ps10595 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">After application of the equity method, management evaluates if there is objective evidence that its net investment in the </span></div><div class=\"ps10596 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">associated undertaking or joint venture holding is impaired and therefore that an impairment test is necessary.</span></div><div class=\"ps10597 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Because goodwill forms part of the carrying amount of the net investments in an associate or a joint venture, it is not separately </span></div><div class=\"ps10598 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recognised, therefore it is not tested for impairment separately. Instead, the entire carrying amount of the investment is tested for </span></div><div class=\"ps10599 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">impairment in accordance with IAS 36 Impairment of Assets as a single asset, by comparing its recoverable amount (higher of value </span></div><div class=\"ps10600 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">in use and fair value less costs of disposal) with its carrying amount.</span></div><div class=\"ps10601 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The consolidated balance sheet reflects the associated undertakings and joint venture holdings, net of accumulated impairment </span></div><div class=\"ps10602 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">losses.</span></div><div class=\"ps10603 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">All intergroup balances, transactions and unrealised gains or losses within the Group are eliminated in full for subsidiaries and to the </span></div><div class=\"ps10604 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">extent of the interest held in an associated undertaking or joint venture holding. </span></div></div><div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Segmental reporting</span></div><div class=\"ps979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">An operating segment is a component of the Group that engages in business activities from which it may earn revenues and incur </span></div><div class=\"ps980 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">expenses, including revenues and expenses that relate to transactions with any of the Group\u2019s other components, where operating </span></div><div class=\"ps981 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">results are reviewed regularly by chief operating decision-makers, who are considered to be the executive members of the Board, </span></div><div class=\"ps982 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and for which discrete financial information is available.</span></div><div class=\"ps4872 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group\u2019s segmental reporting is presented in the form of a business analysis. The business analysis is presented in terms of the </span></div><div class=\"ps2365 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group\u2019s four principal business divisions per geography, which represent both operating and reportable segments, namely Wealth &amp; </span></div><div class=\"ps8839 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investment, Private Banking, Corporate and Investment Banking and Other, and Group Investments.</span></div><div class=\"ps4875 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group costs that are disclosed separately largely relate to Group brand and marketing costs and a portion of executive and support </span></div><div class=\"ps4876 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">functions which are associated with Group-level activities. These costs are not incurred by the operating divisions and are </span></div><div class=\"ps8179 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">necessary to support the operational functioning of the Group.</span></div><div class=\"ps10605 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Business combinations and goodwill</span></div><div class=\"ps8787 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Business combinations are accounted for using the a</span><span class=\"f charStyle-33e1c6d6 ps10606\">cquisition method. The cost of an acquisition is measured as the aggregate of </span></div><div class=\"ps8788 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the consideration transferred, measured at the acquisition date fair value, and the fair value of any prior non-controlling interests in </span></div><div class=\"ps8789 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the acquiree. Acquisition costs incurred are expensed immediately in the income statement.</span></div><div class=\"ps4842 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">When the Group acquires a business, it identifies all assets and liabilities of the business and recognises these at fair value at the </span></div><div class=\"ps10607 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">time of the acquisition. It also assesses the financial assets and liabilities assumed for appropriate classification and the designation </span></div><div class=\"ps10608 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">in accordance with the contractual terms, economic circumstances and pertinent conditions at the acquisition date. This includes </span></div><div class=\"ps8142 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the separation of embedded derivatives in host contracts by the acquiree.</span></div><div class=\"ps4846 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For each business combination, the Group measures the non-controlling interest in the acquiree either at fair value or at the </span></div><div class=\"ps4847 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">proportionate share of the acquiree\u2019s identifiable net assets. </span></div><div class=\"ps4848 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For business combinations achieved in stages, the acquisition date fair value of the Group\u2019s previously held equity interest in the </span></div><div class=\"ps4849 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">acquiree is remeasured to fair value at the acquisition date, with resultant gains or losses recognised through the income </span></div><div class=\"ps4850 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">statement. </span></div><div class=\"ps8149 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Any contingent consideration to be transferred by the Group will be recognised at fair value at the acquisition date. Subsequent </span></div><div class=\"ps4855 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">changes to the fair value of a contingent consideration classified as an asset or liability will be recognised in accordance with IFRS </span></div><div class=\"ps4856 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">9 at fair value through profit or loss. If the contingent consideration is classified as equity, it will not be remeasured until it is finally </span></div><div class=\"ps4857 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">settled within equity. </span></div><div class=\"ps4858 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Goodwill is initially measured at cost, being the difference between the consideration transferred and the net identifiable assets </span></div><div class=\"ps4859 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">acquired and liabilities assumed less the amount recognised for non-controlling interests. If this consideration is less than </span></div><div class=\"ps4860 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec\u2019s share of the fair values of the identifiable net assets acquired, the discount on acquisition is recognised directly in the </span></div><div class=\"ps4861 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">income statement as a gain in the year of acquisition.</span></div><div class=\"ps8191 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">After initial recognition, goodwill is measured at cost less any accumulated impairment losses. The Group tests goodwill acquired in </span></div><div class=\"ps4863 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">a business combination for impairment annually, irrespective of whether an indication of impairment exists and in accordance with </span></div><div class=\"ps4864 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">IAS 36.</span></div><div class=\"ps8195 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For the purpose of impairment testing, goodwill acquired in a business combination is, from the acquisition date, allocated to each </span></div><div class=\"ps8196 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of the Group\u2019s cash-generating units that are expected to benefit from the combination.</span></div><div class=\"ps8835 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Where goodwill forms part of a cash-generating unit, and part of the operation within that unit is disposed of, the goodwill </span></div><div class=\"ps8198 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">associated with the operation disposed of is included in the carrying amount of the operation when determining the gain or loss on </span></div><div class=\"ps8199 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">disposal of the operation. Goodwill disposed of in these circumstances is measured based on the relative values of the operation </span></div><div class=\"ps8200 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">disposed of and the portion of the cash-generating units retained.</span></div><div class=\"ps10609 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Share-based payments to employees</span></div><div class=\"ps8850 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group engages in equity-settled share-based payments in respect of services received from employees. </span></div><div class=\"ps10610 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The fair value of the services received in respect of equity-settled share-based payments is determined with reference to the fair </span></div><div class=\"ps10611 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">value of the shares or share options on the date of grant to the employee. Fair value measurements are based on option pricing </span></div><div class=\"ps8855 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">models, taking into account the risk-free interest rate, volatility of the underlying equity instrument, expected dividends and share </span></div><div class=\"ps8856 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">prices at grant date.</span></div><div class=\"ps10612 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The cost of the share-based payment is recognised in the income statement, within operating costs, as the service conditions of </span></div><div class=\"ps8858 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the grant are met, with the charge varying based on the number of awards expected to vest. A corresponding increase is </span></div><div class=\"ps8859 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recognised in equity. The cumulative expense recognised for equity-settled transactions at each reporting date until the vesting </span></div><div class=\"ps8860 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">date reflects the extent to which the vesting period has expired and the Group\u2019s best estimate of the number of equity instruments </span></div><div class=\"ps8861 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">that will ultimately vest.</span></div><div class=\"ps10613 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Where the terms of an equity-settled award are modified, the minimum expense recognised in staff costs is the expense as if the </span></div><div class=\"ps10614 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">terms had not been modified. An additional expense is recognised for any modification which increases the total fair value of the </span></div><div class=\"ps8864 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">share-based payment arrangement, or is otherwise beneficial to the employee as measured at the date of modification.</span></div></div><div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Employee benefits</span></div><div class=\"ps979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Short-term employee benefits are expensed as the related service is provided. A liability is recognised for the undiscounted </span></div><div class=\"ps980 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">amount expected to be paid if the Group has a present legal or constructive obligation to pay this amount as a result of past service </span></div><div class=\"ps981 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">provided by the employee and the obligation can be estimated reliably.</span></div><div class=\"ps4871 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The long-term employment benefits liability relates to the obligation of the Investec Group to deliver cash or other financial </span></div><div class=\"ps4872 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">instruments to employees over a predetermined vesting period. The changes in fair value will be recognised as an employee </span></div><div class=\"ps2365 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">benefit expense. The liability is included in other liabilities on the balance sheet.</span></div><div class=\"ps4874 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group operates various defined contribution schemes. In respect of the defined contribution schemes, all employer </span></div><div class=\"ps4875 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">contributions are charged to the income statement as incurred, in accordance with the rules of the scheme, and included under </span></div><div class=\"ps4876 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">staff costs.</span></div><div class=\"ps10615 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Foreign currency transactions and foreign operations</span></div><div class=\"ps8786 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The presentation currency of the Group is Pound Sterling, being the functional currency of Investec plc.</span></div><div class=\"ps4839 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Foreign operations are subsidiaries, interests in associated undertakings and joint venture holdings or branches of the Group, the <span class=\"f ps2\"> </span></span></div><div class=\"ps4840 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">activities of which are based in a functional currency other than that of the reporting entity. The functional currency of each Group <span class=\"f ps2\"> </span></span></div><div class=\"ps4841 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">entity is determined based on the primary economic environment in which the entity operates.<span class=\"f ps2\"> </span></span></div><div class=\"ps8141 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Foreign currency transactions are translated into the functional currency of the entity in which the transactions arise, based on <span class=\"f ps2\"> </span></span></div><div class=\"ps4843 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">exchange rates ruling at the date of the transactions.<span class=\"f ps2\"> </span></span></div><div class=\"ps8142 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">At each balance sheet date foreign currency items are translated as follows:<span class=\"f ps2\"> </span></span></div><div class=\"ps4846 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Monetary items (other than monetary items that form part of the net investment in a foreign operation) are translated using <span class=\"f ps2\"> </span></span></div><div class=\"ps4847 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">closing rates, with gains or losses recognised in the income statement<span class=\"f ps2\"> </span></span></div><div class=\"ps4848 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Exchange differences arising on monetary items that form part of the net investment in a foreign operation are determined using <span class=\"f ps2\"> </span></span></div><div class=\"ps4849 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">closing rates and are initially recognised through other comprehensive income as a separate component of equity (foreign <span class=\"f ps2\"> </span></span></div><div class=\"ps4850 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">currency reserve) upon consolidation and are reclassified to the income statement upon disposal of the foreign operation<span class=\"f ps2\"> </span></span></div><div class=\"ps8149 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Non-monetary items that are measured at historical costs are translated using the exchange rates ruling at the date of the <span class=\"f ps2\"> </span></span></div><div class=\"ps4855 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">transaction. Non-monetary items that are measured at fair value are translated using the exchange rate at the date of the <span class=\"f ps2\"> </span></span></div><div class=\"ps4856 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">valuation, with movements due to changes in foreign currency being presented in terms of the accounting policy for changes in <span class=\"f ps2\"> </span></span></div><div class=\"ps4857 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">the fair value movement of the respective item<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps10616\">.<span class=\"f ps2\"> </span></span></div><div class=\"ps4858 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">On consolidation, the results and financial position of foreign operations are translated into the presentation currency of the Group, <span class=\"f ps2\"> </span></span></div><div class=\"ps4859 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">as follows:<span class=\"f ps2\"> </span></span></div><div class=\"ps8152 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Assets and liabilities for each balance sheet presented are translated at the closing rate at the date of the balance sheet<span class=\"f ps2\"> </span></span></div><div class=\"ps4862 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Income and expense items are translated at exchange rates ruling at the date of the transaction<span class=\"f ps2\"> </span></span></div><div class=\"ps4863 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">All resulting exchange differences are recognised in other comprehensive income (foreign currency translation reserve)<span class=\"f ps2\"> </span></span></div><div class=\"ps8192 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Cash flow items are translated at the exchange rates ruling at the date of the transactions.<span class=\"f ps2\"> </span></span></div><div class=\"ps4866 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">On loss of control or disposal of a foreign operation, the cumulative amount of the exchange differences relating to that foreign <span class=\"f ps2\"> </span></span></div><div class=\"ps8834 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">operation recognised in other comprehensive income is reclassified from equity to profit or loss.<span class=\"f ps2\"> </span></span></div><div class=\"ps10617 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Revenue recognition</span></div><div class=\"ps10618 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Revenue consists of interest income, fee and commission income, investment income, trading income arising from customer flow, </span></div><div class=\"ps8847 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">trading income arising from balance sheet management and other trading activities, share of post-taxation profit of associates and </span></div><div class=\"ps8848 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">joint venture holdings and other operating income.</span></div><div class=\"ps10619 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Interest income</span></div><div class=\"ps10620 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Interest income on debt instruments at amortised cost and FVOCI is recognised in the income statement using the effective </span></div><div class=\"ps10621 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">interest method. Calculation of the effective interest rate takes into account fees payable or receivable that are an integral part of </span></div><div class=\"ps10622 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the instrument\u2019s yield, premiums or discounts on acquisition or issue, early redemption fees and transaction costs.</span></div><div class=\"ps10623 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The effective interest method is based on the estimated life of the underlying instrument and, where this estimate is not readily </span></div><div class=\"ps10624 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">available, the contractual life. Interest on instruments at fair value through profit or loss is recognised based on the contractual </span></div><div class=\"ps10625 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">rates.</span></div><div class=\"ps10626 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">To the extent that interest income arises on trading activities, it is presented within the trading section of the income statement.</span></div></div><div><div class=\"ps4165 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Fee and commission income</span></div><div class=\"ps5816 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Fee and commission income includes revenue from contracts with customers earned from transactional banking fees, providing </span></div><div class=\"ps5817 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">advisory services as well as portfolio management and includes rental income from investments. </span></div><div class=\"ps10628 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Revenue from contracts with customers is recognised in accordance with five steps to: identify the contract; identify the </span></div><div class=\"ps10629 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">performance obligations; determine the transaction price; allocate the transaction price to the performance obligations; and </span></div><div class=\"ps10630 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recognise revenue when the performance obligations are satisfied.</span></div><div class=\"ps10631 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investment advisory and management fees are earned over the period in which the services are provided. Performance fees can </span></div><div class=\"ps10632 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">be variable and recognition is constrained until such time as it is highly probable that a significant reversal in the amount of </span></div><div class=\"ps10633 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">cumulative revenue recognised will not occur and the services related to the transactions have been completed under the terms of </span></div><div class=\"ps10634 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the contract.</span></div><div class=\"ps10635 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Rental income arises from operating leases and is recognised on a straight-line basis over the lease term.</span></div><div class=\"ps10636 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Investment income</span></div><div class=\"ps10637 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investment income includes dividends, capital appreciation and income from investments, other than margin income arising on </span></div><div class=\"ps10638 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">securities held for the purpose of generating interest yield. Dividend income is recognised when the Group\u2019s right to receive </span></div><div class=\"ps10639 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">payment is established.</span></div><div class=\"ps10640 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Other sources of income</span></div><div class=\"ps10641 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Trading income arises from customer flow and balance sheet management and other trading activities.</span></div><div class=\"ps10642 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Customer flow trading income includes income from trading activities arising from making and facilitating client activities.</span></div><div class=\"ps10643 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Trading income arising from balance sheet management and other trading activities consists of proprietary trading income and </span></div><div class=\"ps10644 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">other gains or losses arising from balance sheet management. Trading income includes the profit on trading portfolios, which are </span></div><div class=\"ps10645 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">marked-to-market daily.</span></div><div class=\"ps10646 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Included in other operating income is incidental rental income, gains on realisation of properties (other than investment and trading </span></div><div class=\"ps10647 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">properties which is included in investment income) and revenue from other investments. Operating costs associated with these </span></div><div class=\"ps10648 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">investments are included in operating costs in the income statement. </span></div><div class=\"ps10649 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Fair value measurement</span></div><div class=\"ps10650 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market </span></div><div class=\"ps10651 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">participants at the measurement date in the principal or, in its absence, the most advantageous market to which the Group has </span></div><div class=\"ps10652 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">access at that date. The fair value of an asset or a liability incorporates its non-performance risk.</span></div><div class=\"ps10653 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">When available, the Group measures the fair value of an instrument using the quoted price in an active market for that instrument.</span></div><div class=\"ps10654 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">If there is no quoted price in an active market, then the Group uses valuation techniques that maximise the use of relevant </span></div><div class=\"ps10655 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">observable inputs and minimise the use of unobservable inputs. The chosen valuation technique incorporates all of the factors that </span></div><div class=\"ps10656 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">market participants would take into account in pricing a transaction.</span></div><div class=\"ps10657 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">If an asset or a liability measured at fair value has a bid price and an ask price, then the Group measures assets and long positions </span></div><div class=\"ps10658 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">at a bid price and liabilities and short positions at an ask price.</span></div><div class=\"ps10659 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group classifies disclosed fair values according to a hierarchy that reflects the significance of observable market inputs.</span></div><div class=\"ps10660 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">A transfer is made between the hierarchy levels when the inputs have changed or there has been a change in the valuation </span></div><div class=\"ps10661 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">method. Transfers are deemed to occur at the end of each semi-annual reporting period.</span></div><div class=\"ps10662 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Financial instruments</span></div><div class=\"ps10663 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial instruments are initially recognised at their fair value. For financial assets or financial liabilities not held at fair value </span></div><div class=\"ps10664 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">through profit or loss, transaction costs that are directly attributable to the acquisition or issue of the financial assets or financial </span></div><div class=\"ps7346 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">liabilities are included in the initial measurement. All other transaction costs are recorded in the income statement immediately. </span></div><div class=\"ps10665 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Regular way purchase and sales transactions in respect of financial assets that require delivery of a financial instrument within the </span></div><div class=\"ps10668 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">time frame established by market convention are recorded at </span><span class=\"f charStyle-33e1c6d6 ps10666\"> </span><span class=\"f charStyle-33e1c6d6 ps10667\">trade date.</span></div><div class=\"ps7349 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets are classified as at fair value through profit or loss (FVPL) if they are equity instruments or derivative instruments, <span class=\"f ps2\"> </span></span></div><div class=\"ps10669 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">while debt instruments are classified based on the business model and characteristics of related cash flows. Financial liabilities are <span class=\"f ps2\"> </span></span></div><div class=\"ps10670 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">classified as at amortised cost other than trading liabilities and derivative instruments, which are classified as at FVPL.<span class=\"f ps2\"> </span></span></div><div class=\"ps10671 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">However, the Group may make the following irrevocable election/designation at initial recognition of a financial asset on an asset-<span class=\"f ps2\"> </span></span></div><div class=\"ps10672 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">by-asset basis:<span class=\"f ps2\"> </span></span></div><div class=\"ps10673 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Elect to present subsequent changes in fair value of an equity investment that is neither held for trading nor contingent <span class=\"f ps2\"> </span></span></div><div class=\"ps10674 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">consideration recognised by an acquirer in a business combination to which IFRS 3 Business Combinations applies, in OCI<span class=\"f ps2\"> </span></span></div><div class=\"ps10675 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">A debt instrument that meets the amortised cost or FVOCI criteria as measured at FVPL if doing so eliminates or significantly <span class=\"f ps2\"> </span></span></div><div class=\"ps10676 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">reduces an accounting mismatch (referred to as the fair value option).<span class=\"f ps2\"> </span></span></div><div class=\"ps10677 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial liabilities may also be designated as at FVPL when doing so results in more relevant information, because either it <span class=\"f ps2\"> </span></span></div><div class=\"ps10678 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">eliminates or significantly reduces a measurement or recognition inconsistency that would otherwise arise from measuring assets <span class=\"f ps2\"> </span></span></div><div class=\"ps10679 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">or liabilities or recognising the gains and losses on them on different bases; or a group of financial liabilities or financial assets and <span class=\"f ps2\"> </span></span></div></div><div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">financial liabilities is managed and its performance is evaluated on a fair value basis. In addition, where a financial liability contract <span class=\"f ps2\"> </span></span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">contains one or more embedded derivatives (which significantly modifies the cash flows that would be required by the contract <span class=\"f ps2\"> </span></span></div><div class=\"ps701 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and is not clearly prohibited from separation from the host contract), the Group may designate the entire hybrid contract as a <span class=\"f ps2\"> </span></span></div><div class=\"ps702 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">financial instrument at FVPL.<span class=\"f ps2\"> </span></span></div><div class=\"ps705 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Debt instruments are typically designated at fair value when they incur interest at a fixed rate. The Group enters into derivatives <span class=\"f ps2\"> </span></span></div><div class=\"ps706 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">based on the contractual or behavioural term of the instruments, as appropriate, to protect against movements in market interest <span class=\"f ps2\"> </span></span></div><div class=\"ps3314 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">rates as an economic hedge, therefore the designation allows for the elimination of an accounting mismatch arising on fair value <span class=\"f ps2\"> </span></span></div><div class=\"ps6371 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">movements on these derivatives.<span class=\"f ps2\"> </span></span></div><div class=\"ps10681 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Business model assessment</span></div><div class=\"ps10634 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For financial assets, IFRS 9 Financial Instruments requires that a business model assessment is carried out which reflects how the </span></div><div class=\"ps5825 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group manages the assets in order to generate cash flows. The assessment is at a portfolio level, being the level at which a group </span></div><div class=\"ps5826 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of investments is managed. Factors considered by the Group in determining the business model for a portfolio include past </span></div><div class=\"ps5827 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">experience on how the cash flows for these assets were collected, how the assets\u2019 performance is evaluated and reported and </span></div><div class=\"ps5828 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">how risks are assessed and managed.</span></div><div class=\"ps5829 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The standard sets out different types of business models that dictate the classification in instances where the cash flows meet the </span></div><div class=\"ps10682 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">SPPI test.</span></div><div class=\"ps5831 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">\u25aa<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps461\">Hold to collect:</span><span class=\"f charStyle-8925e50a ps10683\"> </span><span class=\"f charStyle-33e1c6d6 ps10684\">it is intended to hold the asset to maturity to earn interest, collecting repayments of principal and interest from </span></div><div class=\"ps5832 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">the customer. These assets are accounted for at amortised cost</span></div><div class=\"ps10686 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">\u25aa<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps461\">Hold to collect and sell:</span><span class=\"f charStyle-33e1c6d6 ps10685\"> this model is similar to the hold to collect model, except that the entity may elect to sell some or\u00a0all of </span></div><div class=\"ps10687 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">the assets before maturity to achieve the objectives of the business model. These assets are accounted for at FVOCI</span></div><div class=\"ps10689 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">\u25aa<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps461\">Hold to sell/managed on a fair value basis:</span><span class=\"f charStyle-33e1c6d6 ps10688\"> the entity originates or purchases an asset with the intention of disposing of it in the </span></div><div class=\"ps10690 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">short or medium term to benefit from capital appreciation or the portfolio is managed on a fair value basis. These assets are </span></div><div class=\"ps10691 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">accounted for at FVPL.</span></div><div class=\"ps10692 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Financial instruments measured at amortised cost</span></div><div class=\"ps10693 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets that are debt instruments are held to collect the contractual cash flows and that contain contractual terms that </span></div><div class=\"ps10694 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">give rise to cash flows that are solely payments of principal and interest, such as most loans and advances to banks and customers </span></div><div class=\"ps10695 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and some debt securities, are measured at amortised cost. In addition, most financial liabilities are measured at amortised cost. </span></div><div class=\"ps10696 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Financial assets measured at fair value through other comprehensive income (FVOCI)</span></div><div class=\"ps10697 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets held for a business model that is achieved by both collecting contractual cash flows and selling and that contain </span></div><div class=\"ps10698 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">contractual terms that give rise on specified dates to cash flows that are solely payments of principal and interest are measured at </span></div><div class=\"ps10699 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">FVOCI. </span></div><div class=\"ps10700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">They are subsequently remeasured at fair value and changes therein (except for those relating to impairment, interest income and </span></div><div class=\"ps10701 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">foreign currency exchange gains and losses) are recognised in other comprehensive income until the assets are sold. Upon </span></div><div class=\"ps10702 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">disposal, the cumulative gains or losses in other comprehensive income are recognised in the income statement in investment </span></div><div class=\"ps10703 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">income.</span></div><div class=\"ps10704 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets measured at FVOCI are included in the impairment calculations and impairment is recognised in profit or loss.</span></div><div class=\"ps10705 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group measures equity instruments at FVOCI when it considers the investments to be strategic or held for long-term dividend </span></div><div class=\"ps10706 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">yield. The equity instruments are not held for trading. Gains and losses on financial assets that are equity instruments are never </span></div><div class=\"ps10707 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recycled to the income statement. Dividends are recognised in the income statement within investment income when the right of </span></div><div class=\"ps10708 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the payment has been established. Equity instruments at FVOCI are not subject to an impairment assessment.</span></div><div class=\"ps10709 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Financial guarantees and commitments</span></div><div class=\"ps10710 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial guarantee contracts issued by the Group are those contracts that require a payment to be made to reimburse the holder </span></div><div class=\"ps10711 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">for a loss it incurs because the specified debtor fails to make a payment when due, in accordance with the terms of a debt </span></div><div class=\"ps10712 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">instrument. Financial guarantees issued by the Group are not classified as insurance contracts and are initially recognised at fair </span></div><div class=\"ps10713 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">value.</span></div><div class=\"ps10714 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Subsequent to initial recognition, the liability under each guarantee is measured at the higher of the amount initially recognised less </span></div><div class=\"ps10715 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the cumulative amount of income recognised in accordance with IFRS 15 Revenue from Contracts with Customers, and the best </span></div><div class=\"ps10716 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">estimate of expected credit loss (ECL) calculated for the financial guarantee. Subsequent to initial measurement, all changes in the </span></div><div class=\"ps10717 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">balance sheet carrying value are recognised in the income statement.</span></div><div class=\"ps10718 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group may commit to provide a loan which has not yet been drawn. When the loan that arises from the lending commitment is </span></div><div class=\"ps10719 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">expected to meet the criteria to be measured at amortised cost or FVOCI, the undrawn commitment is also considered to be in the </span></div><div class=\"ps10720 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">scope of the ECL measurement model. </span></div></div><div><div class=\"ps4165 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Impairment of financial assets held at amortised cost or FVOCI</span></div><div class=\"ps5816 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">At each balance sheet date, each financial asset or portfolio of advances categorised at amortised cost or at FVOCI, issued </span></div><div class=\"ps5817 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">financial guarantee and loan commitment is measured for ECL impairment. The costs of loss allowances on assets held at </span></div><div class=\"ps5818 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">amortised cost and at FVOCI are presented as \u2018expected credit loss impairment (charges)/release\u2019 in the income statement. </span></div><div class=\"ps5819 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Allowances in respect of financial guarantees and loan commitments are presented as other liabilities and charges recorded within </span></div><div class=\"ps5820 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the same line the in income statement. Financial assets held at amortised cost are presented net of allowances, except where the </span></div><div class=\"ps5821 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">asset has been wholly or partially written off.</span><span class=\"f charStyle-33e1c6d6 ps10723\">\u00a0 </span></div><div class=\"ps5822 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Stage 1</span></div><div class=\"ps5986 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets that are considered performing and have not had a significant increase in credit risk are reported as Stage 1 assets. </span></div><div class=\"ps5987 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Stage 1 financial assets have loss allowances measured at an amount equal to a 12-month ECL.</span></div><div class=\"ps10724 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Stage 2</span></div><div class=\"ps10725 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets are considered to be in Stage 2 when their credit risk has increased significantly since initial recognition. A\u00a0loss </span></div><div class=\"ps10726 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">allowance equivalent to a lifetime ECL is required to\u00a0be\u00a0held.</span></div><div class=\"ps10727 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group\u2019s primary indicator for Stage 2 assets are distressed loans, potential problem loans and exposures in arrears that require </span></div><div class=\"ps10728 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">additional attention and supervision from watchlist committees and are under management review.</span></div><div class=\"ps10729 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Assets in forbearance are considered to be, at a minimum, Stage 2. Forbearance measures refer to concessions such </span></div><div class=\"ps10730 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">as\u00a0modification of the terms and conditions or refinancing that\u00a0has been granted to a debtor in financial difficulty. These\u00a0exposures </span></div><div class=\"ps10731 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">are assessed on a case-by-case basis to\u00a0determine whether the proposed modifications will be considered as forbearance. Where </span></div><div class=\"ps10732 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the Credit Committee considers it likely that the client will be able to return to perform against the original contractual obligations </span></div><div class=\"ps10733 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">within a reasonable time frame these assets will be considered performing and in\u00a0Stage 2. Forbearance is distinguished from </span></div><div class=\"ps10734 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">commercial renegotiations which take place as part of normal business activity and standard banking practice.</span></div><div class=\"ps10735 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In addition to loans under management review, an asset may also move from Stage 1 to Stage 2 if the model calculated probability </span></div><div class=\"ps10736 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of default (PD) has significantly increased since origination. This is tested on both a relative and absolute basis to assess whether a </span></div><div class=\"ps10737 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">significant deterioration in lifetime risk of default has occurred.</span></div><div class=\"ps10738 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">There is a common definition across the Bank\u2019s exposures regarding what constitutes a significant PD movement. The test involves </span></div><div class=\"ps10739 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">both an absolute and relative movement threshold. An asset is considered to have been subjected to a significant increase in credit </span></div><div class=\"ps10740 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">risk if the appropriate PD has doubled relative to the value at origination and on an absolute basis has increased by more than 1%. </span></div><div class=\"ps10741 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Any asset with an original rating that is classified as investment grade will be judged to have had a significant movement if the new </span></div><div class=\"ps10742 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">PD would classify it as sub-investment grade and the equivalent rating has moved by more than three notches. </span></div><div class=\"ps10743 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group adopts the view that all financial assets that are more than 30 days past due have experienced a significant increase in </span></div><div class=\"ps10744 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">credit risk. </span></div><div class=\"ps10745 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Exposures move back to Stage 1 once they no longer meet the criteria above for a significant increase in credit risk and as cure </span></div><div class=\"ps10746 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">periods (specifically relating to forborne exposures) are\u00a0met. </span></div><div class=\"ps10747 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Stage 3</span></div><div class=\"ps10748 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets are included in Stage 3 when there is objective evidence of credit impairment. The Group assesses a loan as Stage </span></div><div class=\"ps10751 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">3 when contractual payments of </span><span class=\"f charStyle-7a1d24f9 ps10749\">either</span><span class=\"f charStyle-33e1c6d6 ps10750\"> principal or interest are past due for more than 90 days, the debtor is assessed as unlikely </span></div><div class=\"ps10752 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">to pay and credit impaired, or the loan is otherwise considered to be in default, for example, due to the appointment of an </span></div><div class=\"ps10753 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">administrator or the client is in receivership. Forborne loans that are considered non-performing, for example, if a loan is not </span></div><div class=\"ps10754 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">expected to meet the original contractual obligations in a reasonable time frame, will be classified as Stage 3. Loans which are 90 </span></div><div class=\"ps10755 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">days or more past due are considered to be in default.</span></div><div class=\"ps10756 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group applies the effective interest rate on Stage 3 assets to the amortised cost of the financial asset (i.e. gross carrying </span></div><div class=\"ps10757 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">amount less ECL allowance) instead of its gross carrying amount and incorporates the impact of the ECLs in estimated future cash </span></div><div class=\"ps10758 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">flows.</span></div><div class=\"ps10759 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Definition of default</span></div><div class=\"ps10760 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group has aligned the IFRS 9 and regulatory definitions of default, credit impaired and non-performing exposure. Assets that </span></div><div class=\"ps10761 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">are more than 90 days past due, or considered by management as unlikely to pay their obligations in full without realisation of </span></div><div class=\"ps10762 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">collateral are considered as exposures in default.</span></div><div class=\"ps10763 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">ECL calculation basis</span></div><div class=\"ps10764 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The assessment of credit risk and the estimation of ECL are required to be unbiased, probability-weighted and should incorporate </span></div><div class=\"ps10765 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">all available information relevant to the assessment, including information about past events, current conditions and reasonable and </span></div><div class=\"ps10766 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">supportable forecasts of economic conditions at the reporting date. In addition, the estimation of ECL should take into account the </span></div><div class=\"ps10767 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">time value of money. As a result, the recognition and measurement of impairment is intended to be forward\u2011looking and therefore, </span></div><div class=\"ps10768 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">potentially volatile.</span></div></div><div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Write-offs</span></div><div class=\"ps10770 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group has developed specific guidelines on write-off aimed at granting full compliance with IFRS 9 and the document </span></div><div class=\"ps10771 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">'Guidance to banks on non-performing loans' issued by the European Central Bank.</span></div><div class=\"ps10772 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">A loan or advance is written off in full against the related ECL impairment allowance when the entity has no reasonable </span></div><div class=\"ps10773 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">expectations of recovering a financial asset in its entirety or a portion thereof. This is assessed on a case-by-case basis with </span></div><div class=\"ps10774 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">considerations to indicators such as whether the exposure has been restructured or the given financial position of the borrower </span></div><div class=\"ps10775 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and guarantors. Any recoveries of amounts previously written off decrease the amount of impairment losses.</span></div><div class=\"ps10776 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Cured assets</span></div><div class=\"ps10777 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Loans and advances are regularly assessed to determine whether conditions which led to a significant increase in credit risk or </span></div><div class=\"ps10778 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">impairment still exist. Where applicable, the cured asset will move to the appropriate performing stage which reflects the re-</span></div><div class=\"ps10779 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">assessed credit risk in line with our Arrears, default and recovery (ADR) policy which is aligned to the applicable Regulatory </span></div><div class=\"ps10780 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">requirements.</span></div><div class=\"ps10781 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Process to determine ECL</span></div><div class=\"ps10782 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">ECL is calculated using three main components:<span class=\"f ps2\"> </span></span></div><div class=\"ps10783 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">A probability of default (PD)<span class=\"f ps2\"> </span></span></div><div class=\"ps10784 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">A loss given default (LGD)<span class=\"f ps2\"> </span></span></div><div class=\"ps10785 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">The exposure at default (EAD).<span class=\"f ps2\"> </span></span></div><div class=\"ps10786 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The 12-month and lifetime PDs represent the probability of a default occurring over the next 12 months or the lifetime of the </span></div><div class=\"ps10787 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">financial exposures, respectively, based on conditions existing at the balance sheet date and future forecast macro-economic </span></div><div class=\"ps10788 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">conditions that affect credit risk.</span></div><div class=\"ps10789 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The LGD represents losses expected on default, taking into account the mitigating effect of collateral and guarantees that are </span></div><div class=\"ps10790 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">integral to the instrument, the expected value when realised and the time value of money. The forecast value for the collateral is </span></div><div class=\"ps10791 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">also affected by the range of forward-looking, probability-weighted macro-economic scenarios. </span></div><div class=\"ps10792 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The EAD represents the expected balance at default, taking into account the repayment of principal and interest from the balance </span></div><div class=\"ps10793 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sheet date to the default event together with any expected drawdown of a committed facility. </span></div><div class=\"ps10794 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The calculation of the 12-month ECL is based on the 12-month PD and LGD along with the EAD and effective interest rate (EIR) for </span></div><div class=\"ps10795 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the asset. Lifetime ECL is calculated using the lifetime PD curve, and the appropriate LGDs and EADs, and discount rates using the </span></div><div class=\"ps10796 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">EIR for the remaining life of the financial asset.</span></div><div class=\"ps10797 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Expert judgement models or appropriate proxies for PDs are also utilised for certain portfolios where the ECL is found to be minimal, </span></div><div class=\"ps10798 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">either due to the portfolio\u2019s small relative size or the low default nature of these portfolios, such as cash and balances held at </span></div><div class=\"ps10799 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">central banks.</span></div><div class=\"ps10800 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Management adjustments are made to modelled output to account for situations where additional information and known or </span></div><div class=\"ps10801 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">expected risk factors have not been captured in the modelling process.</span></div><div class=\"ps10802 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Financial instruments held at fair value through profit or loss</span></div><div class=\"ps10803 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial instruments held at FVPL include all instruments classified as held for trading, those instruments designated as held at </span></div><div class=\"ps10804 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">FVPL, those financial assets which do not meet the criteria for amortised cost or FVOCI and derivative financial instruments.</span></div><div class=\"ps10805 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial instruments classified as FVPL are initially recorded at fair value on the balance sheet with changes in fair value </span></div><div class=\"ps10806 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">subsequently recognised in the income statement. Financial instruments are classified as held for trading when they are held with </span></div><div class=\"ps10807 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the intention of short-term disposal, held with the intention of generating short-term profit, or are derivatives which are not </span></div><div class=\"ps10808 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">designated as part of effective hedges. Financial instruments designated as held at FVPL are designated as such on initial </span></div><div class=\"ps10809 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recognition of the instrument and remain in this classification until derecognition. </span></div><div class=\"ps10810 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Changes in fair value of financial liabilities designated at fair value that are attributable to changes in own credit risk are recognised </span></div><div class=\"ps10811 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">in other comprehensive income. Any other changes in fair value are recognised in the income statement.</span></div><div class=\"ps10812 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Reclassification of financial instruments</span></div><div class=\"ps10813 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets are only reclassified where there has been a change in business model. Certain financial liabilities can be </span></div><div class=\"ps10814 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reclassified to equity.</span></div><div class=\"ps10815 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Modification of financial assets and liabilities</span></div><div class=\"ps10816 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Where the contractual terms of a financial asset or liability are renegotiated or otherwise modified in a way that is not considered to </span></div><div class=\"ps10817 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">be substantial, the gross carrying amount of the asset or liability is recalculated using the original effective interest rate where </span></div><div class=\"ps10818 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">applicable. The difference between the respective amounts is recognised as a modification gain or loss in the income statement. </span></div><div class=\"ps10819 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Where the modification is considered to be substantial, it is treated as a settlement of the original instrument and recognition of a </span></div><div class=\"ps10820 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">new instrument. The difference in the respective carrying amounts is recognised in the income statement.</span></div></div><div><div class=\"ps4165 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Derecognition of financial assets and liabilities</span></div><div class=\"ps5816 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">A financial asset, or a portion thereof, is derecognised when the Group\u2019s rights to cash flows have expired or when the Group has </span></div><div class=\"ps5817 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">transferred its rights to cash flows relating to the financial assets and either (a) the Group has transferred substantially all the risks </span></div><div class=\"ps5818 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and rewards associated with the financial assets or (b) the Group has neither transferred nor retained substantially all the risks and </span></div><div class=\"ps5819 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">rewards associated with the financial assets but has transferred control of the assets.</span></div><div class=\"ps10630 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">When the Group has neither transferred nor retained substantially all the risks and rewards and has retained control of the asset, </span></div><div class=\"ps10822 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the asset continues to be recognised only to the extent of the Group\u2019s continuing involvement, in which case, the Group also </span></div><div class=\"ps5822 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recognises an associated liability. The transferred asset and the associated liability are measured on a basis that reflects the rights </span></div><div class=\"ps5823 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and obligations that the Group has retained.</span></div><div class=\"ps10634 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">A financial liability is derecognised when it is extinguished, that is when the obligation is discharged, cancelled or expired. When an </span></div><div class=\"ps5825 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">existing financial liability is replaced or modified with substantially different terms, such a replacement or modification is treated as </span></div><div class=\"ps5826 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">a derecognition of the original liability and the recognition of a new liability. The difference in the respective carrying amounts is </span></div><div class=\"ps5827 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recognised in the income statement.</span></div><div class=\"ps10823 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Securitisation/credit investment and trading activities exposures</span></div><div class=\"ps10824 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group makes use of securitisation vehicles as a source of finance, as a means of risk transfer and to leverage returns through </span></div><div class=\"ps10825 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the retention of equity tranches in low default rate portfolios. The Group predominantly focuses on the securitisation of residential </span></div><div class=\"ps10826 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and commercial mortgages and lease receivables. The Group also trades in structured credit investments.</span></div><div class=\"ps10827 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The structured entities are consolidated under IFRS 10 Consolidated Financial Statements when the Group has exposure to or </span></div><div class=\"ps10828 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">rights to variable returns from its involvement with the investee and has the ability to affect those returns through its power over </span></div><div class=\"ps10829 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the investee.</span></div><div class=\"ps10830 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Certain loans and advances that are originated by the Group are transferred to structured entities, with the structured entities in </span></div><div class=\"ps10831 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">turn issuing debt securities to external investors to fund the purchase of the securitised assets. When the Group consolidates the </span></div><div class=\"ps10832 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">structured entity, the Group recognises the assets and liabilities on a gross basis. When the Group does not consolidate the </span></div><div class=\"ps10833 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">structured entity, the securitised assets are derecognised if the required criteria are met, and only any position still held by the </span></div><div class=\"ps5056 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group in the structured entity or retained interests in the assets is reflected.</span></div><div class=\"ps10834 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Day-one profit or loss</span></div><div class=\"ps10835 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">When the transaction price differs from the fair value of other observable current market transactions in the same instrument or </span></div><div class=\"ps10836 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">based on the valuation technique whose variables include only data from observable markets, the difference between the </span></div><div class=\"ps10837 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">transaction price and fair value is recognised immediately in the income statement. In cases where fair value is determined using </span></div><div class=\"ps10697 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">data which is not observable, the difference between the transaction price and model value is recognised in the income statement </span></div><div class=\"ps10698 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">when the inputs become observable, when the instrument is derecognised or over the life of the transaction, only to the extent that </span></div><div class=\"ps10699 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">it arises from a change in a factor (including time) that market participants would take into account when pricing the asset or </span></div><div class=\"ps10838 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">liability.</span></div><div class=\"ps10839 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Derivative instruments</span></div><div class=\"ps10840 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">All derivative instruments of the Group are recorded on the balance sheet at fair value. Positive and negative fair values are </span></div><div class=\"ps10841 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reported as assets and liabilities, respectively.</span></div><div class=\"ps10842 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Derivative positions are entered into either for trading purposes or as part of the Group\u2019s asset and liability balance sheet </span></div><div class=\"ps10843 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">management activities to manage exposures to foreign currency, interest rate and equity risks. Both realised and unrealised profit </span></div><div class=\"ps10844 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">or losses arising on derivatives are recognised in the income statement as part of trading income (other than circumstances in </span></div><div class=\"ps10845 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">which cash flow hedging is applied as detailed in the hedge accounting section below).</span></div><div class=\"ps10846 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Derivative instruments entered into as economic hedges which do not qualify for hedge accounting and derivatives that are </span></div><div class=\"ps10847 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">entered into for trading purposes are classified in the same way as instruments that are held-for-trading.</span></div><div class=\"ps10848 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Hedge accounting</span></div><div class=\"ps10849 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">When the Group first implemented IFRS 9 Financial Instruments, it made an election to continue to apply the hedge accounting <span class=\"f ps2\"> </span></span></div><div class=\"ps10850 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">requirements of IAS 39 as an accounting policy.<span class=\"f ps2\"> </span></span></div><div class=\"ps10851 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group applies either fair value, cash flow hedge or hedge of net investments in foreign operations accounting when the <span class=\"f ps2\"> </span></span></div><div class=\"ps10852 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">transactions meet the specified hedge accounting criteria.<span class=\"f ps2\"> </span></span></div><div class=\"ps10853 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">To qualify for hedge accounting treatment, the Group ensures that all of the following conditions are met: <span class=\"f ps2\"> </span></span></div><div class=\"ps10854 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">At inception of the hedge, the Group formally documents the relationship between the hedging instrument(s) and hedged item(s) <span class=\"f ps2\"> </span></span></div><div class=\"ps10855 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">including the risk management objectives and the strategy in undertaking the hedge transaction. Also at the inception of the <span class=\"f ps2\"> </span></span></div><div class=\"ps10856 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">hedge relationship, a formal assessment is undertaken to ensure the hedging instrument is expected to be highly effective in <span class=\"f ps2\"> </span></span></div><div class=\"ps10857 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">offsetting the designated risk in the hedged item. A hedge is expected to be highly effective if the changes in fair value or cash <span class=\"f ps2\"> </span></span></div><div class=\"ps10858 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">flows attributable to the hedged risk during the period for which the hedge is designated are expected to offset in a range of <span class=\"f ps2\"> </span></span></div><div class=\"ps10859 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">80% to 125%<span class=\"f ps2\"> </span></span></div><div class=\"ps10860 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">For cash flow hedges, a forecasted transaction that is the subject of the hedge must be highly probable and must present an <span class=\"f ps2\"> </span></span></div><div class=\"ps10861 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">exposure to variations in cash flows that could ultimately affect the income statement<span class=\"f ps2\"> </span></span></div><div class=\"ps10862 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">The effectiveness of the hedge can be reliably measured, i.e. the fair value or cash flows of the hedged item that are attributable <span class=\"f ps2\"> </span></span></div><div class=\"ps10863 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">to the hedged risk and the fair value of the hedging instrument can be reliably measured<span class=\"f ps2\"> </span></span></div></div><div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">The hedge effectiveness is assessed on an ongoing basis and determined actually to have been highly effective throughout the <span class=\"f ps2\"> </span></span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">financial reporting periods for which the hedge was designated.<span class=\"f ps2\"> </span></span></div><div class=\"ps7745 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For qualifying fair value hedges, the change in fair value of the hedging instrument is recognised in the income statement. Changes <span class=\"f ps2\"> </span></span></div><div class=\"ps6025 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">in fair value of the hedged item that are attributable to the hedged risk are also recognised in the income statement. Under micro <span class=\"f ps2\"> </span></span></div><div class=\"ps705 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">hedging, a corresponding adjustment is made to OCI where the hedged item is measured at FVOCI and to the carrying value of the <span class=\"f ps2\"> </span></span></div><div class=\"ps706 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">item itself for amortised cost items. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps1654\">For macro hedges of amortised cost items this adjustment is shown as a separate balance </span></div><div class=\"ps3314 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sheet line item.</span></div><div class=\"ps710 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For qualifying cash flow hedges in respect of non-financial assets and liabilities, the change in fair value of the hedging instrument </span></div><div class=\"ps712 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">relating to the effective portion is initially recognised directly in other comprehensive income in the cash flow hedge reserve and is </span></div><div class=\"ps3315 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">included in the initial cost of any asset/liability recognised or in all other cases released to the income statement when the hedged </span></div><div class=\"ps3316 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">firm commitment or forecasted transaction affects net profit. If the forecast transaction or firm commitment is no longer expected </span></div><div class=\"ps6373 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">to occur, the balance included in other comprehensive income is reclassified to the income statement immediately and recognised </span></div><div class=\"ps8274 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">in trading income from balance sheet management and other trading activities.</span></div><div class=\"ps6029 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For qualifying cash flow hedges in respect of financial assets and liabilities, the change in fair value of the hedging instrument that </span></div><div class=\"ps6374 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">represents an effective hedge is initially recognised in other comprehensive income and is reclassified to the income statement in </span></div><div class=\"ps7988 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the same period during which the relevant financial asset or liability affects the income statement. Any ineffective portion of the </span></div><div class=\"ps7990 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">hedge is immediately recognised in the income statement.</span></div><div class=\"ps6377 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For qualifying hedges of a net investment in a foreign operation, including a hedge of a monetary item that is accounted for as part </span></div><div class=\"ps6378 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of the net investment, are accounted for in a way similar to cash flow hedges. Changes in the fair value of the hedging instrument </span></div><div class=\"ps6379 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">relating to the effective portion of the hedge are recognised in other comprehensive income while any gains or losses relating to </span></div><div class=\"ps7995 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the ineffective portion are recognised in the income statement. On disposal of the foreign operation, the cumulative value of any </span></div><div class=\"ps7996 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">such gain or loss recorded in other comprehensive income is reclassified to the income statement.</span></div><div class=\"ps6382 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Hedge accounting is discontinued when it is determined that the hedging relationship ceases to meet the qualifying criteria, </span></div><div class=\"ps5212 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">including when the derivative expires, or is sold, terminated or exercised; when the hedged item matures or is sold or repaid; when </span></div><div class=\"ps6383 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">a forecasted transaction is no longer deemed highly probable or when the designation as a hedge is revoked.</span></div><div class=\"ps8261 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Sources of hedge ineffectiveness may arise from basis risk, including but not limited to the discount rates used for calculating the </span></div><div class=\"ps6385 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">fair value of derivatives, hedges using instruments with a non-nil fair value at the date of recognition, and notional and timing </span></div><div class=\"ps8000 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">differences between the hedged items and hedging instruments.</span></div><div class=\"ps10864 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Offsetting of financial assets and liabilities</span></div><div class=\"ps10865 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets and liabilities are offset when there is both an intention to settle on a net basis (or simultaneously) and a currently </span></div><div class=\"ps10866 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">enforceable legal right to offset exists.</span></div><div class=\"ps10867 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Issued debt and equity financial instruments</span></div><div class=\"ps10868 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial instruments issued by the Group are classified as liabilities if they contain a contractual obligation to deliver cash or </span></div><div class=\"ps10869 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">another financial asset.</span></div><div class=\"ps10870 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial instruments issued by the Group are classified as equity where they confer on the holder a residual interest in the Group, </span></div><div class=\"ps10871 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and the Group has no obligation to deliver either cash or another financial asset to the holder. The components of compound </span></div><div class=\"ps10872 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">issued financial instruments are accounted for separately with the liability component separated first and any residual amount </span></div><div class=\"ps10873 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">being allocated to the equity component.</span></div><div class=\"ps10874 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Equity instruments issued by subsidiaries of the Group are recorded as non-controlling interests on the balance sheet.</span></div><div class=\"ps10875 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Equity instruments are initially measured net of directly attributable issue costs.</span></div><div class=\"ps10876 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Treasury shares represent issued equity repurchased by the Group which have not been cancelled. Treasury shares are deducted </span></div><div class=\"ps10877 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">from shareholders\u2019 equity and are held at acquisition cost plus related transaction costs. Where treasury shares are subsequently </span></div><div class=\"ps10878 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sold or reissued, net proceeds received are included in shareholders\u2019 equity. Realised gains or losses on disposal are reflected </span></div><div class=\"ps10879 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">directly in retained income.</span></div><div class=\"ps6014 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Dividends on ordinary shares are recognised as a deduction from equity at the earlier of the payment date or the date that it is </span></div><div class=\"ps6015 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">approved by Investec plc.</span></div><div class=\"ps10880 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Non-sovereign and non-bank cash placements</span></div><div class=\"ps10881 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Non-sovereign and non-bank cash placements relates to overnight deposits placed with large corporate clients contractually </span></div><div class=\"ps10882 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">callable on demand. </span></div><div class=\"ps10883 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Sale and repurchase agreements (including securities borrowing and lending)</span></div><div class=\"ps10884 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Securities sold subject to a commitment to repurchase, at a fixed price or a selling price plus a lender\u2019s return, remain on-balance </span></div><div class=\"ps10885 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sheet as the requirements of derecognition have not been met. Proceeds received are recorded as a liability on the balance sheet </span></div><div class=\"ps10886 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">under \u2018repurchase agreements and cash collateral on securities lent\u2019. Securities that are purchased under a commitment to resell </span></div><div class=\"ps10887 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the securities at a future date are not recognised on the balance sheet. The consideration paid is recognised as an asset under </span></div><div class=\"ps10888 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2018reverse repurchase agreements and cash collateral on securities borrowed\u2019.</span></div><div class=\"ps10889 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Where financial instruments have been purchased at the same time as derivatives with the same counterparty, such that the </span></div><div class=\"ps10890 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">combined position has the economic substance of secured lending, an asset is recognised under \u2018reverse repurchase agreements </span></div><div class=\"ps10891 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and cash collateral on securities borrowed\u2019.</span></div></div><div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The difference between the sale and repurchase prices is treated as interest and is accrued over the life of the agreement using </span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the effective interest method.</span></div><div class=\"ps7745 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Securities lending and borrowing transactions that are not cash collateralised do not result in recognition of securities borrowed or </span></div><div class=\"ps6025 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">derecognition of securities lent. Securities lending and borrowing transactions which are cash collateralised are accounted for in </span></div><div class=\"ps705 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the same manner as securities sold or purchased subject to repurchase commitments.</span></div><div class=\"ps80 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The cash collateral from agency-based scrip lending transactions is presented on a net basis where the master netting agreement </span></div><div class=\"ps707 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">provides for a legal right of offset and the intention is to settle net.</span></div><div class=\"ps10892 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Property and equipment</span></div><div class=\"ps8137 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Property and equipment are recorded at cost less accumulated depreciation and impairments. Cost is the cash equivalent paid or </span></div><div class=\"ps8138 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the fair value of the consideration given to acquire an asset and includes other expenditures that are directly attributable to the </span></div><div class=\"ps4877 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">acquisition of the asset. </span></div><div class=\"ps4878 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Depreciation is provided on the depreciable amount of each component on a straight-line basis over the expected useful life of the </span></div><div class=\"ps8181 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">asset. The depreciable amount related to each asset is determined as the difference between the cost and the residual value of the </span></div><div class=\"ps8182 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">asset. The residual value is the estimated amount, net of disposal costs that the Group would currently obtain from the disposal of </span></div><div class=\"ps8183 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">an asset in similar age and condition as expected at the end of its useful life.</span></div><div class=\"ps8740 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The current and comparative annual depreciation rates for each class of property and equipment are as follows:</span></div><div class=\"ps8741 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6\"><span class=\"ps23\">\u2022\u00a0 Computer and related equipment<span style=\"display:inline-block;height:7.75pt;width:18.74pt\"></span></span><span class=\"ps10893\"><span style=\"display:inline-block;height:7.75pt;width:31.19pt\"></span></span><span class=\"ps10894\">10% \u2013 33%</span></span></div><div class=\"ps4884 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6\"><span class=\"ps23\">\u2022\u00a0 Furniture and vehicles<span style=\"display:inline-block;height:7.75pt;width:59.2pt\"></span></span><span class=\"ps10893\"><span style=\"display:inline-block;height:7.75pt;width:31.19pt\"></span></span><span class=\"ps10894\">10% \u2013 25%</span></span></div><div class=\"ps4885 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6\"><span class=\"ps23\">\u2022\u00a0 Freehold properties<span style=\"display:inline-block;height:7.75pt;width:68.29pt\"></span></span><span class=\"ps10893\"><span style=\"display:inline-block;height:7.75pt;width:31.19pt\"></span></span><span class=\"ps10894\">2% \u2013 4%</span></span></div><div class=\"ps8818 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022\u00a0 Leasehold property and improvements*</span></div><div class=\"ps8744 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022\u00a0 Right-of-use assets*</span></div><div class=\"ps10895 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:5.5pt\"></span></span><span class=\"ps461\">Depreciation rates on leasehold improvements are determined with reference to the appropriate useful life of its separate components, limited to the period of the lease. </span></span></div><div class=\"ps10896 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps461\">Leasehold property and right-of-use asset depreciation rates are determined with reference to the period of the lease.</span></div><div class=\"ps8913 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">No depreciation is provided on freehold land. However, similar to other property-related assets, freehold land is subject to </span></div><div class=\"ps8914 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">impairment testing when an indication of impairment exists. </span></div><div class=\"ps10897 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Routine maintenance and service costs for Group assets are expensed as incurred. Subsequent expenditure is only capitalised if it </span></div><div class=\"ps10898 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">is probable that future economic benefits associated with the item will flow to the Group.</span></div><div class=\"ps8922 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Property and equipment are derecognised on disposal or when no future economic benefits are expected to be realised. </span></div><div class=\"ps10899 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Leases</span></div><div class=\"ps4862 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">At inception of a contract the Group assesses whether a contract is, or contains, a lease. A contract is, or contains, a lease if the <span class=\"f ps2\"> </span></span></div><div class=\"ps8832 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">contract conveys the right to control the use of an identified asset for a period of time in exchange for consideration. To assess <span class=\"f ps2\"> </span></span></div><div class=\"ps8833 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">whether a contract conveys the right to control the use of an identified asset, the Group assesses whether:<span class=\"f ps2\"> </span></span></div><div class=\"ps4865 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">The Group has the right to obtain substantially all of the economic benefits from use of the asset throughout the period of use<span class=\"f ps2\"> </span></span></div><div class=\"ps8196 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">The Group has the right to direct the use of the asset.<span class=\"f ps2\"> </span></span></div><div class=\"ps8835 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">As a lessee, the Group recognises a right-of-use (ROU) asset and a lease liability at the lease commencement date.<span class=\"f ps2\"> </span></span></div><div class=\"ps10900 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The lease liability is initially measured at the present value of the lease payments that are not paid at the commencement date, <span class=\"f ps2\"> </span></span></div><div class=\"ps10901 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">discounted at the rate implicit in the lease, or, where that is not available, at the Group\u2019s incremental borrowing rate.<span class=\"f ps2\"> </span></span></div><div class=\"ps8201 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The lease liability will increase for the accrual of interest, and will result in a constant rate of return throughout the life of the lease, <span class=\"f ps2\"> </span></span></div><div class=\"ps8202 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and reduce when payments are made.<span class=\"f ps2\"> </span></span></div><div class=\"ps10902 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The ROU asset is initially measured at cost, which comprises the initial amount of the lease liability, any lease payments made at or <span class=\"f ps2\"> </span></span></div><div class=\"ps10903 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">before the commencement date, any indirect costs incurred and an estimate of costs to dismantle and remove the underlying asset <span class=\"f ps2\"> </span></span></div><div class=\"ps10904 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">or to restore the underlying asset or the site on which it is located, less any lease incentives received.<span class=\"f ps2\"> </span></span></div><div class=\"ps10905 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The ROU asset is subsequently depreciated using the straight-line method from the commencement date to the end of the lease <span class=\"f ps2\"> </span></span></div><div class=\"ps10906 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">term. In addition, the ROU asset is periodically reduced by impairment losses, if any, and adjusted for certain remeasurements of <span class=\"f ps2\"> </span></span></div><div class=\"ps10907 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the lease liability.<span class=\"f ps2\"> </span></span></div><div class=\"ps8210 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The lease liability is subsequently remeasured when there is a change in either the lease term, the Group\u2019s assessment of whether <span class=\"f ps2\"> </span></span></div><div class=\"ps8211 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">it will exercise a purchase, extension or termination option, future lease payments arising from a change in index or rate or if there is <span class=\"f ps2\"> </span></span></div><div class=\"ps10908 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">a change in the Group\u2019s estimate of the amount expected to be payable under a residual value guarantee.<span class=\"f ps2\"> </span></span></div><div class=\"ps8213 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Where the lease liability is remeasured, a corresponding adjustment is made to the carrying amount of the ROU asset, or is <span class=\"f ps2\"> </span></span></div><div class=\"ps8214 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recorded in the income statement if the carrying amount of the ROU asset has been reduced to zero.<span class=\"f ps2\"> </span></span></div><div class=\"ps10909 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For those lease modifications that do not result in a separate lease, the Group remeasures the lease liability using the lease term of <span class=\"f ps2\"> </span></span></div><div class=\"ps10910 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the modified lease and the discount rate as determined at the effective date of modification. Where the modification decreases the <span class=\"f ps2\"> </span></span></div><div class=\"ps10911 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">scope of the lease, the Group decreases the carrying amount of the right-of-use asset to reflect partial or full termination of the <span class=\"f ps2\"> </span></span></div><div class=\"ps10912 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">lease. Any difference between those adjustments is recognised in profit or loss at the effective date of the modification. For all <span class=\"f ps2\"> </span></span></div></div><div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">other lease modifications which are not accounted for as a separate lease, the amount of the remeasurement of the lease liability is <span class=\"f ps2\"> </span></span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recognised as an adjustment to the corresponding right-of-use asset without affecting profit or loss.<span class=\"f ps2\"> </span></span></div><div class=\"ps7745 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group has elected to apply the accounting exemption not to recognise ROU assets and lease liabilities for low-value assets <span class=\"f ps2\"> </span></span></div><div class=\"ps6025 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and short-term leases that have a lease term of 12 months or less. The Group recognises the lease payments associated with these <span class=\"f ps2\"> </span></span></div><div class=\"ps705 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">leases as an expense on a straight-line basis over the lease term.<span class=\"f ps2\"> </span></span></div><div class=\"ps80 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">When the Group is the lessor, the lease must be classified as either a finance lease or an operating lease. A finance lease is a lease <span class=\"f ps2\"> </span></span></div><div class=\"ps707 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">which confers substantially all the risks and rewards of the leased assets on the lessee. All other leases are operating leases.<span class=\"f ps2\"> </span></span></div><div class=\"ps6372 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">When the lease is deemed a finance lease, the leased asset is not held on the balance sheet; instead a finance lease receivable is <span class=\"f ps2\"> </span></span></div><div class=\"ps8220 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recognised representing the minimum lease payments receivable under the terms of the lease, discounted at the rate of interest <span class=\"f ps2\"> </span></span></div><div class=\"ps8221 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">implicit in the lease. <span class=\"f ps2\"> </span></span></div><div class=\"ps6373 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">When the lease is deemed an operating lease, the lease income is recognised on a straight-line basis over the period of the lease <span class=\"f ps2\"> </span></span></div><div class=\"ps8274 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">unless another systematic basis is more appropriate.<span class=\"f ps2\"> </span></span></div><div class=\"ps6029 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">On the balance sheet, the ROU assets are included within property and equipment unless the asset is held for investment <span class=\"f ps2\"> </span></span></div><div class=\"ps6374 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">purposes, in which case the nature of the investment will determine the presentation. Finance lease receivables are ordinarily <span class=\"f ps2\"> </span></span></div><div class=\"ps7988 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">included within loans and advances to customers but are included in other assets where the Group holds a head lease and the <span class=\"f ps2\"> </span></span></div><div class=\"ps7990 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sublease arrangement with external parties is a finance lease. Lease liabilities are included within other liabilities.<span class=\"f ps2\"> </span></span></div><div class=\"ps10913 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Trading properties</span></div><div class=\"ps8742 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Trading properties are carried at the lower of cost and net realisable value.</span></div><div class=\"ps10914 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Software and other acquired intangible assets</span></div><div class=\"ps10915 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Software and other acquired intangible assets are recorded at cost less accumulated amortisation and impairments. Software and </span></div><div class=\"ps10916 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">intangible assets with a finite life are amortised over the useful life on a straight-line basis. Amortisation of each asset starts when it </span></div><div class=\"ps10917 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">becomes available for use. The depreciable amount related to each asset is determined as the difference between the cost and the </span></div><div class=\"ps10918 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">residual value of the asset.</span></div><div class=\"ps10919 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The current and comparative annual amortisation rates for each class of intangible assets are as follows: </span></div><div class=\"ps10921 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6\"><span class=\"ps461\">Client relationships <span style=\"display:inline-block;height:7.75pt;width:0.22pt\"></span></span><span class=\"ps10920\">\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 8 to 20 years</span></span></div><div class=\"ps10922 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6\"><span class=\"ps461\">Acquired software<span style=\"display:inline-block;height:7.75pt;width:4.91pt\"></span></span><span class=\"ps10920\">\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 3 to 7 years</span></span></div><div class=\"ps10925 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6\"><span class=\"ps461\">Internally generated software<span style=\"display:inline-block;height:7.75pt;width:0.38pt\"></span></span><span class=\"ps10923\">\u00a0 \u00a0  3 to 5 year</span></span><span class=\"f charStyle-33e1c6d6 ps10924\">s</span></div><div class=\"ps10926 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Where software is not controlled, related costs are expensed as the benefits of use are received. </span></div><div class=\"ps10927 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Impairment of non-financial assets</span></div><div class=\"ps10928 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">At each balance sheet date, the Group reviews the carrying value of non-financial assets for indication of impairment. The </span></div><div class=\"ps10929 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recoverable amount, being the higher of fair value less cost of disposal and value in use, is determined for any assets for which an </span></div><div class=\"ps10930 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">indication of impairment is identified, and annually in the case of cash-generating units containing goodwill. If the recoverable </span></div><div class=\"ps10931 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">amount of an asset is less than its carrying value, the carrying value of the asset is reduced to its recoverable amount.</span></div><div class=\"ps10932 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Impairment losses are recognised as an expense in the income statement in the period in which they are identified. Reversals of </span></div><div class=\"ps10933 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">impairment losses are recognised in income in the period in which the reversals are identified, to the extent that the carrying value </span></div><div class=\"ps10934 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of the asset does not exceed the amount that would have been calculated without impairment.</span></div><div class=\"ps10935 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Trust and fiduciary activities</span></div><div class=\"ps10936 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group acts as a trustee or in other fiduciary capacities that result in the holding, placing or managing of assets for the account </span></div><div class=\"ps10937 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of and at the risk of clients. As these are not controlled by the Group, they are not recognised on the balance sheet but are </span></div><div class=\"ps10938 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">included at market value as part of third-party assets under management.</span></div></div><div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Taxation and deferred taxation</span></div><div class=\"ps979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Current taxation payable is provided for based on the amount expected to be payable on taxable profit at rates that are enacted or <span class=\"f ps2\"> </span></span></div><div class=\"ps980 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">substantively enacted and applicable to the relevant period.<span class=\"f ps2\"> </span></span></div><div class=\"ps4870 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Deferred taxation is provided on temporary differences between the carrying amount of an asset or liability on the balance sheet <span class=\"f ps2\"> </span></span></div><div class=\"ps4871 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and its tax base, except where such temporary differences arise from:<span class=\"f ps2\"> </span></span></div><div class=\"ps8136 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">The initial recognition of goodwill<span class=\"f ps2\"> </span></span></div><div class=\"ps8839 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">The initial recognition of an asset or liability in a transaction which is not a business combination and at the time of the <span class=\"f ps2\"> </span></span></div><div class=\"ps8840 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">transaction has no effect on the income statement or taxable profit<span class=\"f ps2\"> </span></span></div><div class=\"ps4876 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Temporary differences associated with the investments in subsidiaries and interests in associated undertakings and joint venture <span class=\"f ps2\"> </span></span></div><div class=\"ps8179 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">holdings, where the timing of the reversal of the temporary differences can be controlled and it is probable that the temporary <span class=\"f ps2\"> </span></span></div><div class=\"ps8180 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">differences will not reverse in the foreseeable future.<span class=\"f ps2\"> </span></span></div><div class=\"ps8726 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Deferred taxation assets or liabilities are measured using the taxation rates that have been enacted or substantively enacted at the <span class=\"f ps2\"> </span></span></div><div class=\"ps4879 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">balance sheet date.<span class=\"f ps2\"> </span></span></div><div class=\"ps8183 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Deferred taxation assets are recognised to the extent that it is probable that future taxable profit will be available against which the <span class=\"f ps2\"> </span></span></div><div class=\"ps4881 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">deferred taxation asset can be utilised. <span class=\"f ps2\"> </span></span></div><div class=\"ps8815 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Items recognised directly in other comprehensive income are net of related current and deferred taxation.<span class=\"f ps2\"> </span></span></div><div class=\"ps10940 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Provisions, contingent liabilities and contingent assets</span></div><div class=\"ps8143 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Provisions are recognised when the Group has a present legal or constructive obligation as a result of a past event, for which it is </span></div><div class=\"ps8144 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">probable that an outflow of resources embodying economic benefits will be required to settle the obligation and a reliable estimate </span></div><div class=\"ps8145 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">can be made of the amount of the obligation. The expense relating to a provision is presented in the income statement net of any </span></div><div class=\"ps4848 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reimbursement that qualifies for recognition. Contingent assets and contingent liabilities are not recognised on the balance sheet.</span></div><div class=\"ps10941 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Standards and interpretations issued but not yet effective</span></div><div class=\"ps10942 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The following amendments, standards and interpretations that have been issued but are not yet effective, are applicable to the </span></div><div class=\"ps10943 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group and expected to have an impact on financial reporting. These standards and interpretations have not been applied in these </span></div><div class=\"ps10944 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">annual financial statements. The Group intends to comply with these standards from the effective dates. With the exception of the </span></div><div class=\"ps10945 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">standards noted below, all other amendments, standards and interpretations, issued but not yet effective, are not expected to </span></div><div class=\"ps10946 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">impact the Group materially. </span></div><div class=\"ps10947 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">IFRS 18 Presentation and Disclosure in Financial Statements</span></div><div class=\"ps10948 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">IFRS 18 introduces new requirements on presentation within the statement of profit or loss, including specified totals and subtotals. </span></div><div class=\"ps10949 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">It also requires disclosure of management-defined performance measures and includes new requirements for the location, </span></div><div class=\"ps10950 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">aggregation and disaggregation of financial information. Changes proposed under IFRS 18 relate only to the presentation and </span></div><div class=\"ps10951 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">disclosure within the financial statements and do not affect the recognition or measurement of transactions.</span></div><div class=\"ps10952 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The direct and consequential amendments under IFRS 18 are effective for annual reporting periods beginning on or after </span></div><div class=\"ps10953 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">1\u00a0January\u00a02027. The new standard will result in structural changes to the presentation of the Group\u2019s income statement, changes in </span></div><div class=\"ps10954 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">aggregation and disaggregation throughout the financial statements and additional disclosures relating to certain performance </span></div><div class=\"ps10955 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">measures. The reporting teams are in the process of making decisions on the revised presentation of financial statements, and the </span></div><div class=\"ps10956 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">full impact of the implementation is still under assessment.</span></div><div class=\"ps10957 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Amendments to IFRS 9 Amendments to Classification and Measurement of Financial Instruments and </span></div><div class=\"ps10958 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">IFRS 7 disclosures</span></div><div class=\"ps10959 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The IASB has issued amendments to the classification and measurement of financial instruments which, amongst other changes </span></div><div class=\"ps10960 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">less significant to the Group, clarify that a financial liability is derecognised on the \u2018settlement date\u2019, when the related obligation is </span></div><div class=\"ps10961 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">discharged, cancelled, expires or the liability otherwise qualifies for derecognition. It also introduces an accounting policy option to </span></div><div class=\"ps10962 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">derecognise financial liabilities that are settled through an electronic payment system before settlement date if certain conditions </span></div><div class=\"ps10963 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">are met.</span></div><div class=\"ps10964 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">These amendments are effective for annual reporting periods beginning on or after 1 January 2026. The reporting teams are </span></div><div class=\"ps10965 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">working closely with the respective operations teams in order to determine the impact of these changes.\u00a0  </span></div></div><div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Key management assumptions</span></div><div class=\"ps979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In preparation of the annual financial statements in accordance with IFRS Accounting Standards, the Group makes certain </span></div><div class=\"ps980 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">estimations and applies judgements in applying accounting policies that affect the reported amount of assets, liabilities, income and </span></div><div class=\"ps981 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">expenses. Due to the inherent uncertainty in making estimates, actual results reported in future periods may be based upon </span></div><div class=\"ps982 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">amounts which differ from those estimates.</span></div><div class=\"ps4872 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Estimates and judgements are continually evaluated and are based on historical experience and other factors, including </span></div><div class=\"ps2365 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">expectations of future events that are believed to be reasonable under the circumstances. In preparing the financial statements, </span></div><div class=\"ps8839 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the Group has considered the impact of climate-related risks on its financial position and performance. Many of the effects arising </span></div><div class=\"ps8840 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">from climate change will be longer term in nature, with an inherent level of uncertainty and have limited effect on accounting </span></div><div class=\"ps8137 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">judgements and estimates for the current period.</span></div><div class=\"ps8179 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-cc327f97 ps23\">Key areas of estimation uncertainty include:</span></div><div class=\"ps8139 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">In accordance with IFRS 13 Fair Value Measurement, the Group categorises financial instruments carried on the balance sheet at </span></div><div class=\"ps8726 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">fair value using a three-level hierarchy. Financial instruments categorised as level 1 are valued using quoted market prices and </span></div><div class=\"ps4879 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">therefore there is minimal judgement applied in determining fair value. However, the fair value of financial instruments </span></div><div class=\"ps4880 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">categorised as level 2 and, in particular, level 3 are determined using valuation techniques including discounted cash flow </span></div><div class=\"ps8739 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">analysis, price-earnings multiples, net asset value and complex valuation models. The valuation techniques for level 3 financial </span></div><div class=\"ps8740 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">instruments involve management judgement and estimates, the extent of which depends on the complexity of the instrument, </span></div><div class=\"ps8815 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">counterparty and own credit risk, funding cost, low levels of market liquidity, and the availability of market observable </span></div><div class=\"ps4883 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">information. In particular, significant uncertainty exists in the valuation of unlisted investments and fair value loans in the private </span></div><div class=\"ps4884 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">equity and direct investments portfolios. The estimation of fair value is subject to an uncertain economic outlook. Key valuation </span></div><div class=\"ps8816 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">inputs are based on the most relevant observable market information and can include expected cash flows, yield curves, </span></div><div class=\"ps8817 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">discount rates, growth rates, earnings multiples and the underlying assets and liabilities within a business, adjusted where </span></div><div class=\"ps8818 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">necessary for factors that specifically apply to the individual investments, sector-specific factors and recognising market </span></div><div class=\"ps10967 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">volatility and liquidity. Further details of the Group\u2019s level 3 financial instruments, valuation techniques, key valuation inputs </span></div><div class=\"ps10968 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">applied and the sensitivity of the valuation including the effect of applying reasonably possible alternative assumptions in </span></div><div class=\"ps10970 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">determining their fair value are set out in note</span><span class=\"f charStyle-33e1c6d6 ps10969\"> 13</span></div><div class=\"ps10974 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-13225c7c ps23\">Details of unlisted investments can be found </span><span class=\"f charStyle-13225c7c ps10971\">in note 23</span><span class=\"f charStyle-13225c7c ps10972\">\u00a0 with further analysis contained in the risk management note on </span><span class=\"f charStyle-13225c7c ps10973\">page 179.</span></div><div class=\"ps10975 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">The measurement of ECL has reliance on expert credit judgement. Key judgemental areas are highlighted below and are subject <span class=\"f ps2\"> </span></span></div><div class=\"ps10976 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">to robust governance processes. Key drivers of measurement uncertainty include: <span class=\"f ps2\"> </span></span></div><div class=\"ps10977 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4188\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps1121\">The assessment of staging due to a significant increase in credit risk<span class=\"f ps2\"> </span></span></div><div class=\"ps10978 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4188\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps1121\">Assessment of ECL on Stage 3 exposures, including the valuation of collateral, expected timing of cash flows, client industry <span class=\"f ps2\"> </span></span></div><div class=\"ps10979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps1121\">considerations and recovery strategies<span class=\"f ps2\"> </span></span></div><div class=\"ps10980 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4188\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps1121\">The determination of write-off points<span class=\"f ps2\"> </span></span></div><div class=\"ps10981 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4188\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps1121\">A range of forward-looking, probability-weighted macro-economic scenarios <span class=\"f ps2\"> </span></span></div><div class=\"ps10983 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4188\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps1121\">Estimations of probabilities of default, loss given default and exposures at default using models.<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps10982\"> <span class=\"f ps2\"> </span></span></div><div class=\"ps10986 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-13225c7c ps23\">Details of ECL measurement can be found in the risk management note on </span><span class=\"f charStyle-13225c7c ps10984\">pages</span><span class=\"f charStyle-13225c7c ps10985\"> 159 and 162.</span></div><div class=\"ps10987 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u25aa<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">The Group\u2019s income tax charge and balance sheet provision are judgemental in nature. This arises from certain transactions for <span class=\"f ps2\"> </span></span></div><div class=\"ps10988 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">which the ultimate tax treatment can only be determined by final resolution with the relevant local tax authorities. The Group has <span class=\"f ps2\"> </span></span></div><div class=\"ps10989 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">recognised in its current tax provision certain amounts in respect of taxation that involve a degree of estimation and uncertainty <span class=\"f ps2\"> </span></span></div><div class=\"ps10990 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">where the tax treatment cannot finally be determined until a resolution has been reached by the relevant tax authority and <span class=\"f ps2\"> </span></span></div><div class=\"ps10991 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">whether the proposed tax treatment will be accepted by the authorities. The carrying amount of this provision is sensitive to the <span class=\"f ps2\"> </span></span></div><div class=\"ps10992 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">resolution of issues, which is often dependent on the timetable and progress of discussion and negotiations with the relevant tax <span class=\"f ps2\"> </span></span></div><div class=\"ps10993 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">authorities, arbitration process and legal proceedings in the relevant tax jurisdictions in which the Group operates. Issues can <span class=\"f ps2\"> </span></span></div><div class=\"ps10994 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">take many years to resolve and assumptions on the likely outcome would therefore have to be made by the Group in order to <span class=\"f ps2\"> </span></span></div><div class=\"ps10995 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">determine if an exposure should be measured based on the most likely amount or expected value. In making any estimates, <span class=\"f ps2\"> </span></span></div><div class=\"ps10996 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">management\u2019s judgement has been based on various factors, including: <span class=\"f ps2\"> </span></span></div><div class=\"ps10997 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4188\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps1121\">The current status of tax audits and enquiries <span class=\"f ps2\"> </span></span></div><div class=\"ps10998 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4188\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps1121\">The current status of discussions and negotiations with the relevant tax authorities <span class=\"f ps2\"> </span></span></div><div class=\"ps10999 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4188\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps1121\">The results of any previous claims <span class=\"f ps2\"> </span></span></div><div class=\"ps11001 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4188\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps1121\">Any changes to the relevant tax environments.<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps11000\"> <span class=\"f ps2\"> </span></span></div><div class=\"ps11002 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">The Group operates in a legal and regulatory environment that exposes it to litigation risks. As a result, the Group is involved in </span></div><div class=\"ps11003 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">disputes and legal proceedings which arise in the ordinary course of business. The Group evaluates all facts, the probability of </span></div><div class=\"ps11004 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">the outcome of legal proceedings, commercial outcomes and advice from internal and external legal counsel when considering </span></div><div class=\"ps11005 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">the accounting implications</span></div><div class=\"ps11006 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">The Group makes use of reasonable and supportable information to make accounting judgements and estimates related to </span></div><div class=\"ps9126 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">climate change. This includes information about the observable impact of climate change on the current credit risk of clients and </span></div><div class=\"ps11007 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">the valuation of assets. Many of the effects arising from climate change will be longer term in nature, with an inherent level of </span></div><div class=\"ps11008 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">uncertainty and have a limited effect on accounting judgements and estimates for the current period.</span></div><div class=\"ps11009 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6\"><span class=\"ps23\"><span style=\"display:inline-block;height:7.75pt;width:8.5pt\"></span></span><span class=\"ps461\">The following items represent the most significant effects that climate change can have in the shorter term: </span></span></div></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4188\"> \u2013 The measurement of ECL considers the ability of borrowers to make contractual payments as and when they become due. </span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps1121\">Investec performed an assessment of specific sectors that could be most impacted by climate risk in all jurisdictions, </span></div><div class=\"ps701 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps1121\">specifically focusing on the ability of the clients in these sectors to meet their financing needs. The assessment further </span></div><div class=\"ps702 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps1121\">included a review of Investec\u2019s appetite to fund clients in the respective sectors. While these have not resulted in material </span></div><div class=\"ps3313 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps1121\">impact to ECL, the determination of the impact of these risks on PD, LGD and other inputs into the ECL calculation is ongoing</span></div><div class=\"ps706 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4188\">\u2013 The assessment of asset impairment, based on value in use, and the ability to recognise deferred tax assets are based on </span></div><div class=\"ps3314 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps1121\">future expected cash flows. The expected cash flows are based on management\u2019s best estimate of the operational results, </span></div><div class=\"ps6371 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps1121\">including the near-term impact of climate risk. The Group did not consider any additional adjustments to the cash flows to </span></div><div class=\"ps6372 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps1121\">account for this risk given the time frame of the cash flows that were considered </span></div><div class=\"ps3315 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4188\">\u2013 The use of market indicators as inputs to fair value is assumed to include current information and knowledge regarding the </span></div><div class=\"ps3316 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps1121\">effect of climate risk. </span></div><div class=\"ps11011 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-13225c7c ps23\">\u00a0 \u00a0  Refer to further analysis contained in the risk management note on </span><span class=\"f charStyle-13225c7c ps11010\">pages</span><span class=\"f charStyle-13225c7c ps3881\"> 155 to 176. </span></div><div class=\"ps11012 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\"> Critical accounting judgements are applied in these key areas: </span></div><div class=\"ps5202 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">In accordance with IFRS 10 Consolidated Financial Statements, the Group controls and consolidates an investee where the </span></div><div class=\"ps11013 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">Group has power over the entity\u2019s relevant activities, is exposed to variable returns from its involvement with the investee and </span></div><div class=\"ps11014 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">has the ability to affect the returns through its power over the entity. Determining whether the Group controls another entity </span></div><div class=\"ps11015 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">requires judgement by identifying an entity\u2019s relevant activities, being those activities that significantly affect the investee\u2019s </span></div><div class=\"ps11016 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">returns, and whether the Group controls those relevant activities by considering the rights attached to both current and potential </span></div><div class=\"ps11018 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">voting rights, de facto control and other contractual rights including whether such rights are substantive.</span><span class=\"f charStyle-33e1c6d6 ps11017\"> </span></div><div class=\"ps11023 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps2861\">\u00a0 \u00a0 </span><span class=\"f charStyle-13225c7c ps11019\">Details<span id=\"ia190542f16724d799870dfe035dbbe22_51390\"></span></span><span class=\"f charStyle-13225c7c ps11020\"> of subsidiaries can be found in </span><span class=\"f charStyle-13225c7c ps11021\">note</span><span class=\"f charStyle-13225c7c ps11022\"> 49.</span></div><div class=\"ps11024 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">On the basis of current financial projections and having made appropriate enquiries, the directors have a reasonable expectation </span></div><div class=\"ps11028 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">that the Group has adequate resources to continue in operational existence up to</span><span class=\"f charStyle-33e1c6d6 ps11025\"> </span><span class=\"f charStyle-33e1c6d6 ps11026\">12\u00a0June 2027</span><span class=\"f charStyle-33e1c6d6 ps11027\">, which is a period of 12 months </span></div><div class=\"ps11029 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">from the date of issue of the financial statements. Accordingly, the going concern basis is adopted in the preparation of the </span></div><div class=\"ps11030 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">financial statements.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfMaterialAccountingPolicyInformationExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-838": {
   "value": "<div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Basis of preparation</span></div><div class=\"ps979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Under the contractual arrangements implementing the dual listed companies (DLC) structure, Investec plc and Investec Limited, </span></div><div class=\"ps980 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the latter a company incorporated in South Africa, effectively form a single economic enterprise in which the economic and voting </span></div><div class=\"ps981 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">rights of shareholders are equalised, with neither entity assuming a dominant role. In accordance with this structure, the </span></div><div class=\"ps982 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">appropriate presentation under UK adopted international accounting standards and under IFRS\u00ae Accounting Standards is achieved </span></div><div class=\"ps2364 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">by combining the results and the financial position of both companies using merger accounting principles. For an understanding of </span></div><div class=\"ps8136 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the results, financial position and cash flows of the Investec DLC Group, refer to the Investec integrated annual report. The </span></div><div class=\"ps4873 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">combined consolidated financial statements of Investec plc and Investec Limited are therefore considered the statutory financial </span></div><div class=\"ps4874 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">statements of Investec plc and Investec Limited respectively.</span></div><div class=\"ps8137 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group financial statements in this document are prepared to present the financial position, results and cash flows of Investec </span></div><div class=\"ps8138 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">plc and its subsidiaries and are prepared as if Investec plc were a standalone component of the DLC structure, but with earnings </span></div><div class=\"ps4877 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">per share disclosed in the DLC combined consolidated financial statements by virtue of the sharing arrangement, for the purpose of </span></div><div class=\"ps8139 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">providing financial information to the shareholders of Investec plc. With the exception of these specific items, the Group financial </span></div><div class=\"ps8726 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">statements have been prepared in accordance with UK adopted international accounting standards and with IFRS Accounting </span></div><div class=\"ps4879 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Standards as issued by the International Accounting Standards Board (IASB).</span></div><div class=\"ps8183 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">As stated on page </span><span class=\"f charStyle-c4fc3a3f ps10564\"><a class=\"Hyperlink\" href=\"#ic1a08854e51d46aaade4689eebcb8af0_128566\" style=\"z-index:1\">52</a></span><span class=\"f charStyle-33e1c6d6 ps10565\">, </span><span class=\"f charStyle-33e1c6d6 ps10566\">the directors consider that it is appropriate to continue to adopt the going concern basis in preparing the </span></div><div class=\"ps10567 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">financial statements.</span></div><div class=\"ps10568 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The accounting policies adopted by the Group are consistent with the prior year, other than those standards and amendments that </span></div><div class=\"ps10569 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">became effective in the current year, which had no material impact on the Group.</span></div>The Group and Company annual financial statements have been prepared on a historical cost basis, except as otherwise indicated.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBasisOfPreparationOfFinancialStatementsExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-839": {
   "value": "<div class=\"ps979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Under the contractual arrangements implementing the dual listed companies (DLC) structure, Investec plc and Investec Limited, </span></div><div class=\"ps980 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the latter a company incorporated in South Africa, effectively form a single economic enterprise in which the economic and voting </span></div><div class=\"ps981 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">rights of shareholders are equalised, with neither entity assuming a dominant role. In accordance with this structure, the </span></div><div class=\"ps982 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">appropriate presentation under UK adopted international accounting standards and under IFRS\u00ae Accounting Standards is achieved </span></div><div class=\"ps2364 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">by combining the results and the financial position of both companies using merger accounting principles. For an understanding of </span></div><div class=\"ps8136 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the results, financial position and cash flows of the Investec DLC Group, refer to the Investec integrated annual report. The </span></div><div class=\"ps4873 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">combined consolidated financial statements of Investec plc and Investec Limited are therefore considered the statutory financial </span></div><div class=\"ps4874 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">statements of Investec plc and Investec Limited respectively.</span></div><div class=\"ps8137 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group financial statements in this document are prepared to present the financial position, results and cash flows of Investec </span></div><div class=\"ps8138 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">plc and its subsidiaries and are prepared as if Investec plc were a standalone component of the DLC structure, but with earnings </span></div><div class=\"ps4877 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">per share disclosed in the DLC combined consolidated financial statements by virtue of the sharing arrangement, for the purpose of </span></div><div class=\"ps8139 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">providing financial information to the shareholders of Investec plc. With the exception of these specific items, the Group financial </span></div><div class=\"ps8726 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">statements have been prepared in accordance with UK adopted international accounting standards and with IFRS Accounting </span></div><div class=\"ps4879 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Standards as issued by the International Accounting Standards Board (IASB).</span></div>",
   "dimensions": {
    "concept": "ifrs-full:StatementOfIFRSCompliance",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-840": {
   "value": "<div class=\"ps8183 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">As stated on page </span><span class=\"f charStyle-c4fc3a3f ps10564\"><a class=\"Hyperlink\" href=\"#ic1a08854e51d46aaade4689eebcb8af0_128566\" style=\"z-index:1\">52</a></span><span class=\"f charStyle-33e1c6d6 ps10565\">, </span><span class=\"f charStyle-33e1c6d6 ps10566\">the directors consider that it is appropriate to continue to adopt the going concern basis in preparing the </span></div><div class=\"ps10567 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">financial statements.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGoingConcernExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-845": {
   "value": "<div class=\"ps10571 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Basis of consolidation</span></div><div class=\"ps10572 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">All subsidiaries or structured entities are consolidated when the Group controls an investee. The Group controls an investee if it is </span></div><div class=\"ps10573 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">exposed to, or has rights to, variable returns from its involvement with the investee and has the ability to affect those returns </span></div><div class=\"ps10574 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">through its power over the investee. The financial results of subsidiaries are included in the consolidated annual financial </span></div><div class=\"ps10575 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">statements of the Group from the date on which control is obtained until the date the Group can no longer demonstrate control.</span></div><div class=\"ps10576 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group performs a reassessment of control whenever there is a change in the substance of the relationship between the Group </span></div><div class=\"ps10577 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and an investee. A change in the ownership interest of a subsidiary, without a loss of control, is accounted for as an equity </span></div><div class=\"ps10578 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">transaction.</span></div><div class=\"ps10579 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">If the Group loses control over a subsidiary, it derecognises the related assets (including goodwill), liabilities, non-controlling </span></div><div class=\"ps10580 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">interests and other components of equity. Any resultant gain or loss is recognised in profit or loss. Any investment retained is </span></div><div class=\"ps10581 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recognised at fair value. </span></div><div class=\"ps10582 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Entities, other than subsidiary undertakings, in which the Group exercises significant influence or joint control over operating and </span></div><div class=\"ps10583 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">financial policies, are treated as interests in associated undertakings and joint venture holdings. Interests in associated </span></div><div class=\"ps10584 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">undertakings and joint venture holdings held with strategic intention, are accounted for using the equity method from the date that </span></div><div class=\"ps10585 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">significant influence or joint control commences until the date that significant influence or joint control ceases. These investments </span></div><div class=\"ps10586 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">are presented as \u2018Interests in associated undertakings and joint venture holdings\u2019 on the balance sheet. In circumstances where </span></div><div class=\"ps10587 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">interests in associated undertakings and joint venture holdings arise in which the Group has no strategic intention, these </span></div><div class=\"ps10588 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">investments are held for capital appreciation and/or investment income and are classified as \u2018venture capital\u2019 holdings and are </span></div><div class=\"ps10589 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">elected as held at fair value through profit or loss. These investments are presented within investment portfolio on the balance </span></div><div class=\"ps10590 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sheet.</span></div><div class=\"ps10591 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For equity accounted associated undertakings and joint venture holdings, the Group\u2019s consolidated annual financial statements </span></div><div class=\"ps10592 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">include the attributable share of the results and reserves of associated undertakings and joint venture holdings. The Group\u2019s </span></div><div class=\"ps10593 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">interests in associated undertakings and joint venture holdings are included in the consolidated balance sheet at cost plus the </span></div><div class=\"ps10594 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">post-acquisition changes in the Group\u2019s share of the net assets of the associated undertakings and joint venture holdings.</span></div><div class=\"ps10595 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">After application of the equity method, management evaluates if there is objective evidence that its net investment in the </span></div><div class=\"ps10596 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">associated undertaking or joint venture holding is impaired and therefore that an impairment test is necessary.</span></div><div class=\"ps10597 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Because goodwill forms part of the carrying amount of the net investments in an associate or a joint venture, it is not separately </span></div><div class=\"ps10598 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recognised, therefore it is not tested for impairment separately. Instead, the entire carrying amount of the investment is tested for </span></div><div class=\"ps10599 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">impairment in accordance with IAS 36 Impairment of Assets as a single asset, by comparing its recoverable amount (higher of value </span></div><div class=\"ps10600 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">in use and fair value less costs of disposal) with its carrying amount.</span></div><div class=\"ps10601 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The consolidated balance sheet reflects the associated undertakings and joint venture holdings, net of accumulated impairment </span></div><div class=\"ps10602 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">losses.</span></div><div class=\"ps10603 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">All intergroup balances, transactions and unrealised gains or losses within the Group are eliminated in full for subsidiaries and to the </span></div>extent of the interest held in an associated undertaking or joint venture holding.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentInAssociates",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-844": {
   "value": "<div class=\"ps10571 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Basis of consolidation</span></div><div class=\"ps10572 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">All subsidiaries or structured entities are consolidated when the Group controls an investee. The Group controls an investee if it is </span></div><div class=\"ps10573 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">exposed to, or has rights to, variable returns from its involvement with the investee and has the ability to affect those returns </span></div><div class=\"ps10574 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">through its power over the investee. The financial results of subsidiaries are included in the consolidated annual financial </span></div><div class=\"ps10575 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">statements of the Group from the date on which control is obtained until the date the Group can no longer demonstrate control.</span></div><div class=\"ps10576 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group performs a reassessment of control whenever there is a change in the substance of the relationship between the Group </span></div><div class=\"ps10577 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and an investee. A change in the ownership interest of a subsidiary, without a loss of control, is accounted for as an equity </span></div><div class=\"ps10578 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">transaction.</span></div><div class=\"ps10579 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">If the Group loses control over a subsidiary, it derecognises the related assets (including goodwill), liabilities, non-controlling </span></div><div class=\"ps10580 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">interests and other components of equity. Any resultant gain or loss is recognised in profit or loss. Any investment retained is </span></div><div class=\"ps10581 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recognised at fair value. </span></div><div class=\"ps10582 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Entities, other than subsidiary undertakings, in which the Group exercises significant influence or joint control over operating and </span></div><div class=\"ps10583 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">financial policies, are treated as interests in associated undertakings and joint venture holdings. Interests in associated </span></div><div class=\"ps10584 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">undertakings and joint venture holdings held with strategic intention, are accounted for using the equity method from the date that </span></div><div class=\"ps10585 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">significant influence or joint control commences until the date that significant influence or joint control ceases. These investments </span></div><div class=\"ps10586 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">are presented as \u2018Interests in associated undertakings and joint venture holdings\u2019 on the balance sheet. In circumstances where </span></div><div class=\"ps10587 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">interests in associated undertakings and joint venture holdings arise in which the Group has no strategic intention, these </span></div><div class=\"ps10588 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">investments are held for capital appreciation and/or investment income and are classified as \u2018venture capital\u2019 holdings and are </span></div><div class=\"ps10589 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">elected as held at fair value through profit or loss. These investments are presented within investment portfolio on the balance </span></div><div class=\"ps10590 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sheet.</span></div><div class=\"ps10591 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For equity accounted associated undertakings and joint venture holdings, the Group\u2019s consolidated annual financial statements </span></div><div class=\"ps10592 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">include the attributable share of the results and reserves of associated undertakings and joint venture holdings. The Group\u2019s </span></div><div class=\"ps10593 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">interests in associated undertakings and joint venture holdings are included in the consolidated balance sheet at cost plus the </span></div><div class=\"ps10594 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">post-acquisition changes in the Group\u2019s share of the net assets of the associated undertakings and joint venture holdings.</span></div><div class=\"ps10595 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">After application of the equity method, management evaluates if there is objective evidence that its net investment in the </span></div><div class=\"ps10596 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">associated undertaking or joint venture holding is impaired and therefore that an impairment test is necessary.</span></div><div class=\"ps10597 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Because goodwill forms part of the carrying amount of the net investments in an associate or a joint venture, it is not separately </span></div><div class=\"ps10598 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recognised, therefore it is not tested for impairment separately. Instead, the entire carrying amount of the investment is tested for </span></div><div class=\"ps10599 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">impairment in accordance with IAS 36 Impairment of Assets as a single asset, by comparing its recoverable amount (higher of value </span></div><div class=\"ps10600 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">in use and fair value less costs of disposal) with its carrying amount.</span></div><div class=\"ps10601 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The consolidated balance sheet reflects the associated undertakings and joint venture holdings, net of accumulated impairment </span></div><div class=\"ps10602 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">losses.</span></div><div class=\"ps10603 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">All intergroup balances, transactions and unrealised gains or losses within the Group are eliminated in full for subsidiaries and to the </span></div>extent of the interest held in an associated undertaking or joint venture holding.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSubsidiariesExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-843": {
   "value": "<div class=\"ps10571 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Basis of consolidation</span></div><div class=\"ps10572 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">All subsidiaries or structured entities are consolidated when the Group controls an investee. The Group controls an investee if it is </span></div><div class=\"ps10573 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">exposed to, or has rights to, variable returns from its involvement with the investee and has the ability to affect those returns </span></div><div class=\"ps10574 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">through its power over the investee. The financial results of subsidiaries are included in the consolidated annual financial </span></div><div class=\"ps10575 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">statements of the Group from the date on which control is obtained until the date the Group can no longer demonstrate control.</span></div><div class=\"ps10576 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group performs a reassessment of control whenever there is a change in the substance of the relationship between the Group </span></div><div class=\"ps10577 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and an investee. A change in the ownership interest of a subsidiary, without a loss of control, is accounted for as an equity </span></div><div class=\"ps10578 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">transaction.</span></div><div class=\"ps10579 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">If the Group loses control over a subsidiary, it derecognises the related assets (including goodwill), liabilities, non-controlling </span></div><div class=\"ps10580 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">interests and other components of equity. Any resultant gain or loss is recognised in profit or loss. Any investment retained is </span></div><div class=\"ps10581 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recognised at fair value. </span></div><div class=\"ps10582 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Entities, other than subsidiary undertakings, in which the Group exercises significant influence or joint control over operating and </span></div><div class=\"ps10583 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">financial policies, are treated as interests in associated undertakings and joint venture holdings. Interests in associated </span></div><div class=\"ps10584 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">undertakings and joint venture holdings held with strategic intention, are accounted for using the equity method from the date that </span></div><div class=\"ps10585 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">significant influence or joint control commences until the date that significant influence or joint control ceases. These investments </span></div><div class=\"ps10586 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">are presented as \u2018Interests in associated undertakings and joint venture holdings\u2019 on the balance sheet. In circumstances where </span></div><div class=\"ps10587 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">interests in associated undertakings and joint venture holdings arise in which the Group has no strategic intention, these </span></div><div class=\"ps10588 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">investments are held for capital appreciation and/or investment income and are classified as \u2018venture capital\u2019 holdings and are </span></div><div class=\"ps10589 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">elected as held at fair value through profit or loss. These investments are presented within investment portfolio on the balance </span></div><div class=\"ps10590 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sheet.</span></div><div class=\"ps10591 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For equity accounted associated undertakings and joint venture holdings, the Group\u2019s consolidated annual financial statements </span></div><div class=\"ps10592 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">include the attributable share of the results and reserves of associated undertakings and joint venture holdings. The Group\u2019s </span></div><div class=\"ps10593 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">interests in associated undertakings and joint venture holdings are included in the consolidated balance sheet at cost plus the </span></div><div class=\"ps10594 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">post-acquisition changes in the Group\u2019s share of the net assets of the associated undertakings and joint venture holdings.</span></div><div class=\"ps10595 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">After application of the equity method, management evaluates if there is objective evidence that its net investment in the </span></div><div class=\"ps10596 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">associated undertaking or joint venture holding is impaired and therefore that an impairment test is necessary.</span></div><div class=\"ps10597 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Because goodwill forms part of the carrying amount of the net investments in an associate or a joint venture, it is not separately </span></div><div class=\"ps10598 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recognised, therefore it is not tested for impairment separately. Instead, the entire carrying amount of the investment is tested for </span></div><div class=\"ps10599 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">impairment in accordance with IAS 36 Impairment of Assets as a single asset, by comparing its recoverable amount (higher of value </span></div><div class=\"ps10600 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">in use and fair value less costs of disposal) with its carrying amount.</span></div><div class=\"ps10601 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The consolidated balance sheet reflects the associated undertakings and joint venture holdings, net of accumulated impairment </span></div><div class=\"ps10602 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">losses.</span></div><div class=\"ps10603 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">All intergroup balances, transactions and unrealised gains or losses within the Group are eliminated in full for subsidiaries and to the </span></div>extent of the interest held in an associated undertaking or joint venture holding.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentInAssociatesAndJointVenturesExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-842": {
   "value": "<div class=\"ps10571 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Basis of consolidation</span></div><div class=\"ps10572 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">All subsidiaries or structured entities are consolidated when the Group controls an investee. The Group controls an investee if it is </span></div><div class=\"ps10573 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">exposed to, or has rights to, variable returns from its involvement with the investee and has the ability to affect those returns </span></div><div class=\"ps10574 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">through its power over the investee. The financial results of subsidiaries are included in the consolidated annual financial </span></div><div class=\"ps10575 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">statements of the Group from the date on which control is obtained until the date the Group can no longer demonstrate control.</span></div><div class=\"ps10576 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group performs a reassessment of control whenever there is a change in the substance of the relationship between the Group </span></div><div class=\"ps10577 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and an investee. A change in the ownership interest of a subsidiary, without a loss of control, is accounted for as an equity </span></div><div class=\"ps10578 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">transaction.</span></div><div class=\"ps10579 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">If the Group loses control over a subsidiary, it derecognises the related assets (including goodwill), liabilities, non-controlling </span></div><div class=\"ps10580 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">interests and other components of equity. Any resultant gain or loss is recognised in profit or loss. Any investment retained is </span></div><div class=\"ps10581 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recognised at fair value. </span></div><div class=\"ps10582 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Entities, other than subsidiary undertakings, in which the Group exercises significant influence or joint control over operating and </span></div><div class=\"ps10583 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">financial policies, are treated as interests in associated undertakings and joint venture holdings. Interests in associated </span></div><div class=\"ps10584 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">undertakings and joint venture holdings held with strategic intention, are accounted for using the equity method from the date that </span></div><div class=\"ps10585 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">significant influence or joint control commences until the date that significant influence or joint control ceases. These investments </span></div><div class=\"ps10586 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">are presented as \u2018Interests in associated undertakings and joint venture holdings\u2019 on the balance sheet. In circumstances where </span></div><div class=\"ps10587 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">interests in associated undertakings and joint venture holdings arise in which the Group has no strategic intention, these </span></div><div class=\"ps10588 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">investments are held for capital appreciation and/or investment income and are classified as \u2018venture capital\u2019 holdings and are </span></div><div class=\"ps10589 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">elected as held at fair value through profit or loss. These investments are presented within investment portfolio on the balance </span></div><div class=\"ps10590 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sheet.</span></div><div class=\"ps10591 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For equity accounted associated undertakings and joint venture holdings, the Group\u2019s consolidated annual financial statements </span></div><div class=\"ps10592 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">include the attributable share of the results and reserves of associated undertakings and joint venture holdings. The Group\u2019s </span></div><div class=\"ps10593 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">interests in associated undertakings and joint venture holdings are included in the consolidated balance sheet at cost plus the </span></div><div class=\"ps10594 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">post-acquisition changes in the Group\u2019s share of the net assets of the associated undertakings and joint venture holdings.</span></div><div class=\"ps10595 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">After application of the equity method, management evaluates if there is objective evidence that its net investment in the </span></div><div class=\"ps10596 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">associated undertaking or joint venture holding is impaired and therefore that an impairment test is necessary.</span></div><div class=\"ps10597 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Because goodwill forms part of the carrying amount of the net investments in an associate or a joint venture, it is not separately </span></div><div class=\"ps10598 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recognised, therefore it is not tested for impairment separately. Instead, the entire carrying amount of the investment is tested for </span></div><div class=\"ps10599 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">impairment in accordance with IAS 36 Impairment of Assets as a single asset, by comparing its recoverable amount (higher of value </span></div><div class=\"ps10600 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">in use and fair value less costs of disposal) with its carrying amount.</span></div><div class=\"ps10601 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The consolidated balance sheet reflects the associated undertakings and joint venture holdings, net of accumulated impairment </span></div><div class=\"ps10602 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">losses.</span></div><div class=\"ps10603 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">All intergroup balances, transactions and unrealised gains or losses within the Group are eliminated in full for subsidiaries and to the </span></div>extent of the interest held in an associated undertaking or joint venture holding.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentsInJointVentures",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-841": {
   "value": "<div class=\"ps10571 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Basis of consolidation</span></div><div class=\"ps10572 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">All subsidiaries or structured entities are consolidated when the Group controls an investee. The Group controls an investee if it is </span></div><div class=\"ps10573 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">exposed to, or has rights to, variable returns from its involvement with the investee and has the ability to affect those returns </span></div><div class=\"ps10574 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">through its power over the investee. The financial results of subsidiaries are included in the consolidated annual financial </span></div><div class=\"ps10575 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">statements of the Group from the date on which control is obtained until the date the Group can no longer demonstrate control.</span></div><div class=\"ps10576 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group performs a reassessment of control whenever there is a change in the substance of the relationship between the Group </span></div><div class=\"ps10577 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and an investee. A change in the ownership interest of a subsidiary, without a loss of control, is accounted for as an equity </span></div><div class=\"ps10578 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">transaction.</span></div><div class=\"ps10579 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">If the Group loses control over a subsidiary, it derecognises the related assets (including goodwill), liabilities, non-controlling </span></div><div class=\"ps10580 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">interests and other components of equity. Any resultant gain or loss is recognised in profit or loss. Any investment retained is </span></div><div class=\"ps10581 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recognised at fair value. </span></div><div class=\"ps10582 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Entities, other than subsidiary undertakings, in which the Group exercises significant influence or joint control over operating and </span></div><div class=\"ps10583 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">financial policies, are treated as interests in associated undertakings and joint venture holdings. Interests in associated </span></div><div class=\"ps10584 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">undertakings and joint venture holdings held with strategic intention, are accounted for using the equity method from the date that </span></div><div class=\"ps10585 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">significant influence or joint control commences until the date that significant influence or joint control ceases. These investments </span></div><div class=\"ps10586 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">are presented as \u2018Interests in associated undertakings and joint venture holdings\u2019 on the balance sheet. In circumstances where </span></div><div class=\"ps10587 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">interests in associated undertakings and joint venture holdings arise in which the Group has no strategic intention, these </span></div><div class=\"ps10588 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">investments are held for capital appreciation and/or investment income and are classified as \u2018venture capital\u2019 holdings and are </span></div><div class=\"ps10589 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">elected as held at fair value through profit or loss. These investments are presented within investment portfolio on the balance </span></div><div class=\"ps10590 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sheet.</span></div><div class=\"ps10591 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For equity accounted associated undertakings and joint venture holdings, the Group\u2019s consolidated annual financial statements </span></div><div class=\"ps10592 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">include the attributable share of the results and reserves of associated undertakings and joint venture holdings. The Group\u2019s </span></div><div class=\"ps10593 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">interests in associated undertakings and joint venture holdings are included in the consolidated balance sheet at cost plus the </span></div><div class=\"ps10594 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">post-acquisition changes in the Group\u2019s share of the net assets of the associated undertakings and joint venture holdings.</span></div><div class=\"ps10595 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">After application of the equity method, management evaluates if there is objective evidence that its net investment in the </span></div><div class=\"ps10596 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">associated undertaking or joint venture holding is impaired and therefore that an impairment test is necessary.</span></div><div class=\"ps10597 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Because goodwill forms part of the carrying amount of the net investments in an associate or a joint venture, it is not separately </span></div><div class=\"ps10598 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recognised, therefore it is not tested for impairment separately. Instead, the entire carrying amount of the investment is tested for </span></div><div class=\"ps10599 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">impairment in accordance with IAS 36 Impairment of Assets as a single asset, by comparing its recoverable amount (higher of value </span></div><div class=\"ps10600 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">in use and fair value less costs of disposal) with its carrying amount.</span></div><div class=\"ps10601 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The consolidated balance sheet reflects the associated undertakings and joint venture holdings, net of accumulated impairment </span></div><div class=\"ps10602 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">losses.</span></div><div class=\"ps10603 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">All intergroup balances, transactions and unrealised gains or losses within the Group are eliminated in full for subsidiaries and to the </span></div>extent of the interest held in an associated undertaking or joint venture holding.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBasisOfConsolidationExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-846": {
   "value": "<div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Segmental reporting</span></div><div class=\"ps979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">An operating segment is a component of the Group that engages in business activities from which it may earn revenues and incur </span></div><div class=\"ps980 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">expenses, including revenues and expenses that relate to transactions with any of the Group\u2019s other components, where operating </span></div><div class=\"ps981 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">results are reviewed regularly by chief operating decision-makers, who are considered to be the executive members of the Board, </span></div><div class=\"ps982 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and for which discrete financial information is available.</span></div><div class=\"ps4872 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group\u2019s segmental reporting is presented in the form of a business analysis. The business analysis is presented in terms of the </span></div><div class=\"ps2365 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group\u2019s four principal business divisions per geography, which represent both operating and reportable segments, namely Wealth &amp; </span></div><div class=\"ps8839 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investment, Private Banking, Corporate and Investment Banking and Other, and Group Investments.</span></div><div class=\"ps4875 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group costs that are disclosed separately largely relate to Group brand and marketing costs and a portion of executive and support </span></div><div class=\"ps4876 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">functions which are associated with Group-level activities. These costs are not incurred by the operating divisions and are </span></div><div class=\"ps8179 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">necessary to support the operational functioning of the Group.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSegmentReportingExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-850": {
   "value": "<div class=\"ps10605 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Business combinations and goodwill</span></div><div class=\"ps8787 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Business combinations are accounted for using the a</span><span class=\"f charStyle-33e1c6d6 ps10606\">cquisition method. The cost of an acquisition is measured as the aggregate of </span></div><div class=\"ps8788 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the consideration transferred, measured at the acquisition date fair value, and the fair value of any prior non-controlling interests in </span></div><div class=\"ps8789 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the acquiree. Acquisition costs incurred are expensed immediately in the income statement.</span></div><div class=\"ps4842 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">When the Group acquires a business, it identifies all assets and liabilities of the business and recognises these at fair value at the </span></div><div class=\"ps10607 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">time of the acquisition. It also assesses the financial assets and liabilities assumed for appropriate classification and the designation </span></div><div class=\"ps10608 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">in accordance with the contractual terms, economic circumstances and pertinent conditions at the acquisition date. This includes </span></div><div class=\"ps8142 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the separation of embedded derivatives in host contracts by the acquiree.</span></div><div class=\"ps4846 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For each business combination, the Group measures the non-controlling interest in the acquiree either at fair value or at the </span></div><div class=\"ps4847 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">proportionate share of the acquiree\u2019s identifiable net assets. </span></div><div class=\"ps4848 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For business combinations achieved in stages, the acquisition date fair value of the Group\u2019s previously held equity interest in the </span></div><div class=\"ps4849 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">acquiree is remeasured to fair value at the acquisition date, with resultant gains or losses recognised through the income </span></div><div class=\"ps4850 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">statement. </span></div><div class=\"ps8149 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Any contingent consideration to be transferred by the Group will be recognised at fair value at the acquisition date. Subsequent </span></div><div class=\"ps4855 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">changes to the fair value of a contingent consideration classified as an asset or liability will be recognised in accordance with IFRS </span></div><div class=\"ps4856 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">9 at fair value through profit or loss. If the contingent consideration is classified as equity, it will not be remeasured until it is finally </span></div><div class=\"ps4857 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">settled within equity. </span></div><div class=\"ps4858 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Goodwill is initially measured at cost, being the difference between the consideration transferred and the net identifiable assets </span></div><div class=\"ps4859 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">acquired and liabilities assumed less the amount recognised for non-controlling interests. If this consideration is less than </span></div><div class=\"ps4860 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec\u2019s share of the fair values of the identifiable net assets acquired, the discount on acquisition is recognised directly in the </span></div><div class=\"ps4861 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">income statement as a gain in the year of acquisition.</span></div><div class=\"ps8191 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">After initial recognition, goodwill is measured at cost less any accumulated impairment losses. The Group tests goodwill acquired in </span></div><div class=\"ps4863 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">a business combination for impairment annually, irrespective of whether an indication of impairment exists and in accordance with </span></div><div class=\"ps4864 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">IAS 36.</span></div><div class=\"ps8195 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For the purpose of impairment testing, goodwill acquired in a business combination is, from the acquisition date, allocated to each </span></div><div class=\"ps8196 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of the Group\u2019s cash-generating units that are expected to benefit from the combination.</span></div><div class=\"ps8835 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Where goodwill forms part of a cash-generating unit, and part of the operation within that unit is disposed of, the goodwill </span></div><div class=\"ps8198 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">associated with the operation disposed of is included in the carrying amount of the operation when determining the gain or loss on </span></div><div class=\"ps8199 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">disposal of the operation. Goodwill disposed of in these circumstances is measured based on the relative values of the operation </span></div><div class=\"ps8200 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">disposed of and the portion of the cash-generating units retained.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-849": {
   "value": "<div class=\"ps10605 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Business combinations and goodwill</span></div><div class=\"ps8787 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Business combinations are accounted for using the a</span><span class=\"f charStyle-33e1c6d6 ps10606\">cquisition method. The cost of an acquisition is measured as the aggregate of </span></div><div class=\"ps8788 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the consideration transferred, measured at the acquisition date fair value, and the fair value of any prior non-controlling interests in </span></div><div class=\"ps8789 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the acquiree. Acquisition costs incurred are expensed immediately in the income statement.</span></div><div class=\"ps4842 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">When the Group acquires a business, it identifies all assets and liabilities of the business and recognises these at fair value at the </span></div><div class=\"ps10607 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">time of the acquisition. It also assesses the financial assets and liabilities assumed for appropriate classification and the designation </span></div><div class=\"ps10608 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">in accordance with the contractual terms, economic circumstances and pertinent conditions at the acquisition date. This includes </span></div><div class=\"ps8142 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the separation of embedded derivatives in host contracts by the acquiree.</span></div><div class=\"ps4846 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For each business combination, the Group measures the non-controlling interest in the acquiree either at fair value or at the </span></div><div class=\"ps4847 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">proportionate share of the acquiree\u2019s identifiable net assets. </span></div><div class=\"ps4848 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For business combinations achieved in stages, the acquisition date fair value of the Group\u2019s previously held equity interest in the </span></div><div class=\"ps4849 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">acquiree is remeasured to fair value at the acquisition date, with resultant gains or losses recognised through the income </span></div><div class=\"ps4850 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">statement. </span></div><div class=\"ps8149 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Any contingent consideration to be transferred by the Group will be recognised at fair value at the acquisition date. Subsequent </span></div><div class=\"ps4855 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">changes to the fair value of a contingent consideration classified as an asset or liability will be recognised in accordance with IFRS </span></div><div class=\"ps4856 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">9 at fair value through profit or loss. If the contingent consideration is classified as equity, it will not be remeasured until it is finally </span></div><div class=\"ps4857 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">settled within equity. </span></div><div class=\"ps4858 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Goodwill is initially measured at cost, being the difference between the consideration transferred and the net identifiable assets </span></div><div class=\"ps4859 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">acquired and liabilities assumed less the amount recognised for non-controlling interests. If this consideration is less than </span></div><div class=\"ps4860 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec\u2019s share of the fair values of the identifiable net assets acquired, the discount on acquisition is recognised directly in the </span></div><div class=\"ps4861 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">income statement as a gain in the year of acquisition.</span></div><div class=\"ps8191 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">After initial recognition, goodwill is measured at cost less any accumulated impairment losses. The Group tests goodwill acquired in </span></div><div class=\"ps4863 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">a business combination for impairment annually, irrespective of whether an indication of impairment exists and in accordance with </span></div><div class=\"ps4864 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">IAS 36.</span></div><div class=\"ps8195 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For the purpose of impairment testing, goodwill acquired in a business combination is, from the acquisition date, allocated to each </span></div><div class=\"ps8196 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of the Group\u2019s cash-generating units that are expected to benefit from the combination.</span></div><div class=\"ps8835 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Where goodwill forms part of a cash-generating unit, and part of the operation within that unit is disposed of, the goodwill </span></div><div class=\"ps8198 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">associated with the operation disposed of is included in the carrying amount of the operation when determining the gain or loss on </span></div><div class=\"ps8199 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">disposal of the operation. Goodwill disposed of in these circumstances is measured based on the relative values of the operation </span></div><div class=\"ps8200 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">disposed of and the portion of the cash-generating units retained.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForBusinessCombinationsExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-848": {
   "value": "<div class=\"ps10605 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Business combinations and goodwill</span></div><div class=\"ps8787 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Business combinations are accounted for using the a</span><span class=\"f charStyle-33e1c6d6 ps10606\">cquisition method. The cost of an acquisition is measured as the aggregate of </span></div><div class=\"ps8788 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the consideration transferred, measured at the acquisition date fair value, and the fair value of any prior non-controlling interests in </span></div><div class=\"ps8789 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the acquiree. Acquisition costs incurred are expensed immediately in the income statement.</span></div><div class=\"ps4842 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">When the Group acquires a business, it identifies all assets and liabilities of the business and recognises these at fair value at the </span></div><div class=\"ps10607 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">time of the acquisition. It also assesses the financial assets and liabilities assumed for appropriate classification and the designation </span></div><div class=\"ps10608 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">in accordance with the contractual terms, economic circumstances and pertinent conditions at the acquisition date. This includes </span></div><div class=\"ps8142 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the separation of embedded derivatives in host contracts by the acquiree.</span></div><div class=\"ps4846 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For each business combination, the Group measures the non-controlling interest in the acquiree either at fair value or at the </span></div><div class=\"ps4847 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">proportionate share of the acquiree\u2019s identifiable net assets. </span></div><div class=\"ps4848 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For business combinations achieved in stages, the acquisition date fair value of the Group\u2019s previously held equity interest in the </span></div><div class=\"ps4849 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">acquiree is remeasured to fair value at the acquisition date, with resultant gains or losses recognised through the income </span></div><div class=\"ps4850 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">statement. </span></div><div class=\"ps8149 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Any contingent consideration to be transferred by the Group will be recognised at fair value at the acquisition date. Subsequent </span></div><div class=\"ps4855 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">changes to the fair value of a contingent consideration classified as an asset or liability will be recognised in accordance with IFRS </span></div><div class=\"ps4856 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">9 at fair value through profit or loss. If the contingent consideration is classified as equity, it will not be remeasured until it is finally </span></div><div class=\"ps4857 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">settled within equity. </span></div><div class=\"ps4858 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Goodwill is initially measured at cost, being the difference between the consideration transferred and the net identifiable assets </span></div><div class=\"ps4859 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">acquired and liabilities assumed less the amount recognised for non-controlling interests. If this consideration is less than </span></div><div class=\"ps4860 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec\u2019s share of the fair values of the identifiable net assets acquired, the discount on acquisition is recognised directly in the </span></div><div class=\"ps4861 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">income statement as a gain in the year of acquisition.</span></div><div class=\"ps8191 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">After initial recognition, goodwill is measured at cost less any accumulated impairment losses. The Group tests goodwill acquired in </span></div><div class=\"ps4863 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">a business combination for impairment annually, irrespective of whether an indication of impairment exists and in accordance with </span></div><div class=\"ps4864 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">IAS 36.</span></div><div class=\"ps8195 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For the purpose of impairment testing, goodwill acquired in a business combination is, from the acquisition date, allocated to each </span></div><div class=\"ps8196 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of the Group\u2019s cash-generating units that are expected to benefit from the combination.</span></div><div class=\"ps8835 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Where goodwill forms part of a cash-generating unit, and part of the operation within that unit is disposed of, the goodwill </span></div><div class=\"ps8198 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">associated with the operation disposed of is included in the carrying amount of the operation when determining the gain or loss on </span></div><div class=\"ps8199 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">disposal of the operation. Goodwill disposed of in these circumstances is measured based on the relative values of the operation </span></div><div class=\"ps8200 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">disposed of and the portion of the cash-generating units retained.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForBusinessCombinationsAndGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-847": {
   "value": "<div class=\"ps10605 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Business combinations and goodwill</span></div><div class=\"ps8787 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Business combinations are accounted for using the a</span><span class=\"f charStyle-33e1c6d6 ps10606\">cquisition method. The cost of an acquisition is measured as the aggregate of </span></div><div class=\"ps8788 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the consideration transferred, measured at the acquisition date fair value, and the fair value of any prior non-controlling interests in </span></div><div class=\"ps8789 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the acquiree. Acquisition costs incurred are expensed immediately in the income statement.</span></div><div class=\"ps4842 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">When the Group acquires a business, it identifies all assets and liabilities of the business and recognises these at fair value at the </span></div><div class=\"ps10607 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">time of the acquisition. It also assesses the financial assets and liabilities assumed for appropriate classification and the designation </span></div><div class=\"ps10608 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">in accordance with the contractual terms, economic circumstances and pertinent conditions at the acquisition date. This includes </span></div><div class=\"ps8142 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the separation of embedded derivatives in host contracts by the acquiree.</span></div><div class=\"ps4846 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For each business combination, the Group measures the non-controlling interest in the acquiree either at fair value or at the </span></div><div class=\"ps4847 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">proportionate share of the acquiree\u2019s identifiable net assets. </span></div><div class=\"ps4848 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For business combinations achieved in stages, the acquisition date fair value of the Group\u2019s previously held equity interest in the </span></div><div class=\"ps4849 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">acquiree is remeasured to fair value at the acquisition date, with resultant gains or losses recognised through the income </span></div><div class=\"ps4850 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">statement. </span></div><div class=\"ps8149 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Any contingent consideration to be transferred by the Group will be recognised at fair value at the acquisition date. Subsequent </span></div><div class=\"ps4855 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">changes to the fair value of a contingent consideration classified as an asset or liability will be recognised in accordance with IFRS </span></div><div class=\"ps4856 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">9 at fair value through profit or loss. If the contingent consideration is classified as equity, it will not be remeasured until it is finally </span></div><div class=\"ps4857 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">settled within equity. </span></div><div class=\"ps4858 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Goodwill is initially measured at cost, being the difference between the consideration transferred and the net identifiable assets </span></div><div class=\"ps4859 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">acquired and liabilities assumed less the amount recognised for non-controlling interests. If this consideration is less than </span></div><div class=\"ps4860 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec\u2019s share of the fair values of the identifiable net assets acquired, the discount on acquisition is recognised directly in the </span></div><div class=\"ps4861 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">income statement as a gain in the year of acquisition.</span></div><div class=\"ps8191 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">After initial recognition, goodwill is measured at cost less any accumulated impairment losses. The Group tests goodwill acquired in </span></div><div class=\"ps4863 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">a business combination for impairment annually, irrespective of whether an indication of impairment exists and in accordance with </span></div><div class=\"ps4864 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">IAS 36.</span></div><div class=\"ps8195 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For the purpose of impairment testing, goodwill acquired in a business combination is, from the acquisition date, allocated to each </span></div><div class=\"ps8196 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of the Group\u2019s cash-generating units that are expected to benefit from the combination.</span></div><div class=\"ps8835 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Where goodwill forms part of a cash-generating unit, and part of the operation within that unit is disposed of, the goodwill </span></div><div class=\"ps8198 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">associated with the operation disposed of is included in the carrying amount of the operation when determining the gain or loss on </span></div><div class=\"ps8199 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">disposal of the operation. Goodwill disposed of in these circumstances is measured based on the relative values of the operation </span></div><div class=\"ps8200 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">disposed of and the portion of the cash-generating units retained.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIntangibleAssetsAndGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-851": {
   "value": "<div class=\"ps10609 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Share-based payments to employees</span></div><div class=\"ps8850 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group engages in equity-settled share-based payments in respect of services received from employees. </span></div><div class=\"ps10610 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The fair value of the services received in respect of equity-settled share-based payments is determined with reference to the fair </span></div><div class=\"ps10611 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">value of the shares or share options on the date of grant to the employee. Fair value measurements are based on option pricing </span></div><div class=\"ps8855 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">models, taking into account the risk-free interest rate, volatility of the underlying equity instrument, expected dividends and share </span></div><div class=\"ps8856 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">prices at grant date.</span></div><div class=\"ps10612 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The cost of the share-based payment is recognised in the income statement, within operating costs, as the service conditions of </span></div><div class=\"ps8858 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the grant are met, with the charge varying based on the number of awards expected to vest. A corresponding increase is </span></div><div class=\"ps8859 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recognised in equity. The cumulative expense recognised for equity-settled transactions at each reporting date until the vesting </span></div><div class=\"ps8860 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">date reflects the extent to which the vesting period has expired and the Group\u2019s best estimate of the number of equity instruments </span></div><div class=\"ps8861 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">that will ultimately vest.</span></div><div class=\"ps10613 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Where the terms of an equity-settled award are modified, the minimum expense recognised in staff costs is the expense as if the </span></div><div class=\"ps10614 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">terms had not been modified. An additional expense is recognised for any modification which increases the total fair value of the </span></div><div class=\"ps8864 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">share-based payment arrangement, or is otherwise beneficial to the employee as measured at the date of modification.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSharebasedPaymentTransactionsExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-852": {
   "value": "<div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Employee benefits</span></div><div class=\"ps979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Short-term employee benefits are expensed as the related service is provided. A liability is recognised for the undiscounted </span></div><div class=\"ps980 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">amount expected to be paid if the Group has a present legal or constructive obligation to pay this amount as a result of past service </span></div><div class=\"ps981 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">provided by the employee and the obligation can be estimated reliably.</span></div><div class=\"ps4871 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The long-term employment benefits liability relates to the obligation of the Investec Group to deliver cash or other financial </span></div><div class=\"ps4872 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">instruments to employees over a predetermined vesting period. The changes in fair value will be recognised as an employee </span></div><div class=\"ps2365 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">benefit expense. The liability is included in other liabilities on the balance sheet.</span></div><div class=\"ps4874 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group operates various defined contribution schemes. In respect of the defined contribution schemes, all employer </span></div><div class=\"ps4875 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">contributions are charged to the income statement as incurred, in accordance with the rules of the scheme, and included under </span></div><div class=\"ps4876 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">staff costs.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForEmployeeBenefitsExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-853": {
   "value": "<div class=\"ps10615 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Foreign currency transactions and foreign operations</span></div><div class=\"ps8786 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The presentation currency of the Group is Pound Sterling, being the functional currency of Investec plc.</span></div><div class=\"ps4839 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Foreign operations are subsidiaries, interests in associated undertakings and joint venture holdings or branches of the Group, the <span class=\"f ps2\"> </span></span></div><div class=\"ps4840 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">activities of which are based in a functional currency other than that of the reporting entity. The functional currency of each Group <span class=\"f ps2\"> </span></span></div><div class=\"ps4841 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">entity is determined based on the primary economic environment in which the entity operates.<span class=\"f ps2\"> </span></span></div><div class=\"ps8141 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Foreign currency transactions are translated into the functional currency of the entity in which the transactions arise, based on <span class=\"f ps2\"> </span></span></div><div class=\"ps4843 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">exchange rates ruling at the date of the transactions.<span class=\"f ps2\"> </span></span></div><div class=\"ps8142 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">At each balance sheet date foreign currency items are translated as follows:<span class=\"f ps2\"> </span></span></div><div class=\"ps4846 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Monetary items (other than monetary items that form part of the net investment in a foreign operation) are translated using <span class=\"f ps2\"> </span></span></div><div class=\"ps4847 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">closing rates, with gains or losses recognised in the income statement<span class=\"f ps2\"> </span></span></div><div class=\"ps4848 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Exchange differences arising on monetary items that form part of the net investment in a foreign operation are determined using <span class=\"f ps2\"> </span></span></div><div class=\"ps4849 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">closing rates and are initially recognised through other comprehensive income as a separate component of equity (foreign <span class=\"f ps2\"> </span></span></div><div class=\"ps4850 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">currency reserve) upon consolidation and are reclassified to the income statement upon disposal of the foreign operation<span class=\"f ps2\"> </span></span></div><div class=\"ps8149 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Non-monetary items that are measured at historical costs are translated using the exchange rates ruling at the date of the <span class=\"f ps2\"> </span></span></div><div class=\"ps4855 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">transaction. Non-monetary items that are measured at fair value are translated using the exchange rate at the date of the <span class=\"f ps2\"> </span></span></div><div class=\"ps4856 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">valuation, with movements due to changes in foreign currency being presented in terms of the accounting policy for changes in <span class=\"f ps2\"> </span></span></div><div class=\"ps4857 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">the fair value movement of the respective item<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps10616\">.<span class=\"f ps2\"> </span></span></div><div class=\"ps4858 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">On consolidation, the results and financial position of foreign operations are translated into the presentation currency of the Group, <span class=\"f ps2\"> </span></span></div><div class=\"ps4859 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">as follows:<span class=\"f ps2\"> </span></span></div><div class=\"ps8152 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Assets and liabilities for each balance sheet presented are translated at the closing rate at the date of the balance sheet<span class=\"f ps2\"> </span></span></div><div class=\"ps4862 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Income and expense items are translated at exchange rates ruling at the date of the transaction<span class=\"f ps2\"> </span></span></div><div class=\"ps4863 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">All resulting exchange differences are recognised in other comprehensive income (foreign currency translation reserve)<span class=\"f ps2\"> </span></span></div><div class=\"ps8192 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Cash flow items are translated at the exchange rates ruling at the date of the transactions.<span class=\"f ps2\"> </span></span></div><div class=\"ps4866 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">On loss of control or disposal of a foreign operation, the cumulative amount of the exchange differences relating to that foreign <span class=\"f ps2\"> </span></span></div>operation recognised in other comprehensive income is reclassified from equity to profit or loss.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForForeignCurrencyTranslationExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-854": {
   "value": "<div class=\"ps8786 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The presentation currency of the Group is Pound Sterling, being the functional currency of Investec plc.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFunctionalCurrencyExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-855": {
   "value": "<div class=\"ps10617 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Revenue recognition</span></div><div class=\"ps10618 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Revenue consists of interest income, fee and commission income, investment income, trading income arising from customer flow, </span></div><div class=\"ps8847 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">trading income arising from balance sheet management and other trading activities, share of post-taxation profit of associates and </span></div><div class=\"ps8848 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">joint venture holdings and other operating income.</span></div><div class=\"ps10619 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Interest income</span></div><div class=\"ps10620 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Interest income on debt instruments at amortised cost and FVOCI is recognised in the income statement using the effective </span></div><div class=\"ps10621 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">interest method. Calculation of the effective interest rate takes into account fees payable or receivable that are an integral part of </span></div><div class=\"ps10622 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the instrument\u2019s yield, premiums or discounts on acquisition or issue, early redemption fees and transaction costs.</span></div><div class=\"ps10623 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The effective interest method is based on the estimated life of the underlying instrument and, where this estimate is not readily </span></div><div class=\"ps10624 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">available, the contractual life. Interest on instruments at fair value through profit or loss is recognised based on the contractual </span></div><div class=\"ps10625 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">rates.</span></div><div class=\"ps10626 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">To the extent that interest income arises on trading activities, it is presented within the trading section of the income statement.</span></div><div class=\"ps4165 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Fee and commission income</span></div><div class=\"ps5816 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Fee and commission income includes revenue from contracts with customers earned from transactional banking fees, providing </span></div><div class=\"ps5817 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">advisory services as well as portfolio management and includes rental income from investments. </span></div><div class=\"ps10628 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Revenue from contracts with customers is recognised in accordance with five steps to: identify the contract; identify the </span></div><div class=\"ps10629 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">performance obligations; determine the transaction price; allocate the transaction price to the performance obligations; and </span></div><div class=\"ps10630 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recognise revenue when the performance obligations are satisfied.</span></div><div class=\"ps10631 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investment advisory and management fees are earned over the period in which the services are provided. Performance fees can </span></div><div class=\"ps10632 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">be variable and recognition is constrained until such time as it is highly probable that a significant reversal in the amount of </span></div><div class=\"ps10633 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">cumulative revenue recognised will not occur and the services related to the transactions have been completed under the terms of </span></div><div class=\"ps10634 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the contract.</span></div><div class=\"ps10635 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Rental income arises from operating leases and is recognised on a straight-line basis over the lease term.</span></div><div class=\"ps10636 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Investment income</span></div><div class=\"ps10637 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investment income includes dividends, capital appreciation and income from investments, other than margin income arising on </span></div><div class=\"ps10638 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">securities held for the purpose of generating interest yield. Dividend income is recognised when the Group\u2019s right to receive </span></div><div class=\"ps10639 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">payment is established.</span></div><div class=\"ps10640 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Other sources of income</span></div><div class=\"ps10641 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Trading income arises from customer flow and balance sheet management and other trading activities.</span></div><div class=\"ps10642 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Customer flow trading income includes income from trading activities arising from making and facilitating client activities.</span></div><div class=\"ps10643 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Trading income arising from balance sheet management and other trading activities consists of proprietary trading income and </span></div><div class=\"ps10644 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">other gains or losses arising from balance sheet management. Trading income includes the profit on trading portfolios, which are </span></div><div class=\"ps10645 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">marked-to-market daily.</span></div><div class=\"ps10646 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Included in other operating income is incidental rental income, gains on realisation of properties (other than investment and trading </span></div><div class=\"ps10647 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">properties which is included in investment income) and revenue from other investments. Operating costs associated with these </span></div>investments are included in operating costs in the income statement.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForRecognitionOfRevenue",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-856": {
   "value": "<div class=\"ps10619 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Interest income</span></div><div class=\"ps10620 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Interest income on debt instruments at amortised cost and FVOCI is recognised in the income statement using the effective </span></div><div class=\"ps10621 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">interest method. Calculation of the effective interest rate takes into account fees payable or receivable that are an integral part of </span></div><div class=\"ps10622 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the instrument\u2019s yield, premiums or discounts on acquisition or issue, early redemption fees and transaction costs.</span></div><div class=\"ps10623 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The effective interest method is based on the estimated life of the underlying instrument and, where this estimate is not readily </span></div><div class=\"ps10624 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">available, the contractual life. Interest on instruments at fair value through profit or loss is recognised based on the contractual </span></div><div class=\"ps10625 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">rates.</span></div><div class=\"ps10626 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">To the extent that interest income arises on trading activities, it is presented within the trading section of the income statement.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInterestIncomeAndExpenseExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-857": {
   "value": "<div class=\"ps4165 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Fee and commission income</span></div><div class=\"ps5816 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Fee and commission income includes revenue from contracts with customers earned from transactional banking fees, providing </span></div><div class=\"ps5817 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">advisory services as well as portfolio management and includes rental income from investments. </span></div><div class=\"ps10628 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Revenue from contracts with customers is recognised in accordance with five steps to: identify the contract; identify the </span></div><div class=\"ps10629 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">performance obligations; determine the transaction price; allocate the transaction price to the performance obligations; and </span></div><div class=\"ps10630 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recognise revenue when the performance obligations are satisfied.</span></div><div class=\"ps10631 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investment advisory and management fees are earned over the period in which the services are provided. Performance fees can </span></div><div class=\"ps10632 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">be variable and recognition is constrained until such time as it is highly probable that a significant reversal in the amount of </span></div><div class=\"ps10633 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">cumulative revenue recognised will not occur and the services related to the transactions have been completed under the terms of </span></div><div class=\"ps10634 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the contract.</span></div><div class=\"ps10635 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Rental income arises from operating leases and is recognised on a straight-line basis over the lease term.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFeeAndCommissionIncomeAndExpenseExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-858": {
   "value": "<div class=\"ps10640 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Other sources of income</span></div><div class=\"ps10641 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Trading income arises from customer flow and balance sheet management and other trading activities.</span></div><div class=\"ps10642 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Customer flow trading income includes income from trading activities arising from making and facilitating client activities.</span></div><div class=\"ps10643 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Trading income arising from balance sheet management and other trading activities consists of proprietary trading income and </span></div><div class=\"ps10644 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">other gains or losses arising from balance sheet management. Trading income includes the profit on trading portfolios, which are </span></div><div class=\"ps10645 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">marked-to-market daily.</span></div><div class=\"ps10646 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Included in other operating income is incidental rental income, gains on realisation of properties (other than investment and trading </span></div><div class=\"ps10647 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">properties which is included in investment income) and revenue from other investments. Operating costs associated with these </span></div>investments are included in operating costs in the income statement.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForTradingIncomeAndExpenseExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-860": {
   "value": "<div class=\"ps10649 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Fair value measurement</span></div><div class=\"ps10650 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market </span></div><div class=\"ps10651 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">participants at the measurement date in the principal or, in its absence, the most advantageous market to which the Group has </span></div><div class=\"ps10652 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">access at that date. The fair value of an asset or a liability incorporates its non-performance risk.</span></div><div class=\"ps10653 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">When available, the Group measures the fair value of an instrument using the quoted price in an active market for that instrument.</span></div><div class=\"ps10654 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">If there is no quoted price in an active market, then the Group uses valuation techniques that maximise the use of relevant </span></div><div class=\"ps10655 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">observable inputs and minimise the use of unobservable inputs. The chosen valuation technique incorporates all of the factors that </span></div><div class=\"ps10656 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">market participants would take into account in pricing a transaction.</span></div><div class=\"ps10657 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">If an asset or a liability measured at fair value has a bid price and an ask price, then the Group measures assets and long positions </span></div><div class=\"ps10658 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">at a bid price and liabilities and short positions at an ask price.</span></div><div class=\"ps10659 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group classifies disclosed fair values according to a hierarchy that reflects the significance of observable market inputs.</span></div><div class=\"ps10660 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">A transfer is made between the hierarchy levels when the inputs have changed or there has been a change in the valuation </span></div><div class=\"ps10661 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">method. Transfers are deemed to occur at the end of each semi-annual reporting period.</span></div><div class=\"ps10662 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Financial instruments</span></div><div class=\"ps10663 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial instruments are initially recognised at their fair value. For financial assets or financial liabilities not held at fair value </span></div><div class=\"ps10664 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">through profit or loss, transaction costs that are directly attributable to the acquisition or issue of the financial assets or financial </span></div><div class=\"ps7346 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">liabilities are included in the initial measurement. All other transaction costs are recorded in the income statement immediately. </span></div><div class=\"ps10665 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Regular way purchase and sales transactions in respect of financial assets that require delivery of a financial instrument within the </span></div><div class=\"ps10668 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">time frame established by market convention are recorded at </span><span class=\"f charStyle-33e1c6d6 ps10666\"> </span><span class=\"f charStyle-33e1c6d6 ps10667\">trade date.</span></div><div class=\"ps7349 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets are classified as at fair value through profit or loss (FVPL) if they are equity instruments or derivative instruments, <span class=\"f ps2\"> </span></span></div><div class=\"ps10669 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">while debt instruments are classified based on the business model and characteristics of related cash flows. Financial liabilities are <span class=\"f ps2\"> </span></span></div><div class=\"ps10670 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">classified as at amortised cost other than trading liabilities and derivative instruments, which are classified as at FVPL.<span class=\"f ps2\"> </span></span></div><div class=\"ps10671 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">However, the Group may make the following irrevocable election/designation at initial recognition of a financial asset on an asset-<span class=\"f ps2\"> </span></span></div><div class=\"ps10672 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">by-asset basis:<span class=\"f ps2\"> </span></span></div><div class=\"ps10673 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Elect to present subsequent changes in fair value of an equity investment that is neither held for trading nor contingent <span class=\"f ps2\"> </span></span></div><div class=\"ps10674 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">consideration recognised by an acquirer in a business combination to which IFRS 3 Business Combinations applies, in OCI<span class=\"f ps2\"> </span></span></div><div class=\"ps10675 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">A debt instrument that meets the amortised cost or FVOCI criteria as measured at FVPL if doing so eliminates or significantly <span class=\"f ps2\"> </span></span></div><div class=\"ps10676 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">reduces an accounting mismatch (referred to as the fair value option).<span class=\"f ps2\"> </span></span></div><div class=\"ps10677 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial liabilities may also be designated as at FVPL when doing so results in more relevant information, because either it <span class=\"f ps2\"> </span></span></div><div class=\"ps10678 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">eliminates or significantly reduces a measurement or recognition inconsistency that would otherwise arise from measuring assets <span class=\"f ps2\"> </span></span></div><div class=\"ps10679 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">or liabilities or recognising the gains and losses on them on different bases; or a group of financial liabilities or financial assets and <span class=\"f ps2\"> </span></span></div><div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">financial liabilities is managed and its performance is evaluated on a fair value basis. In addition, where a financial liability contract <span class=\"f ps2\"> </span></span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">contains one or more embedded derivatives (which significantly modifies the cash flows that would be required by the contract <span class=\"f ps2\"> </span></span></div><div class=\"ps701 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and is not clearly prohibited from separation from the host contract), the Group may designate the entire hybrid contract as a <span class=\"f ps2\"> </span></span></div><div class=\"ps702 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">financial instrument at FVPL.<span class=\"f ps2\"> </span></span></div><div class=\"ps705 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Debt instruments are typically designated at fair value when they incur interest at a fixed rate. The Group enters into derivatives <span class=\"f ps2\"> </span></span></div><div class=\"ps706 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">based on the contractual or behavioural term of the instruments, as appropriate, to protect against movements in market interest <span class=\"f ps2\"> </span></span></div><div class=\"ps3314 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">rates as an economic hedge, therefore the designation allows for the elimination of an accounting mismatch arising on fair value <span class=\"f ps2\"> </span></span></div><div class=\"ps6371 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">movements on these derivatives.<span class=\"f ps2\"> </span></span></div><div class=\"ps10681 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Business model assessment</span></div><div class=\"ps10634 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For financial assets, IFRS 9 Financial Instruments requires that a business model assessment is carried out which reflects how the </span></div><div class=\"ps5825 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group manages the assets in order to generate cash flows. The assessment is at a portfolio level, being the level at which a group </span></div><div class=\"ps5826 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of investments is managed. Factors considered by the Group in determining the business model for a portfolio include past </span></div><div class=\"ps5827 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">experience on how the cash flows for these assets were collected, how the assets\u2019 performance is evaluated and reported and </span></div><div class=\"ps5828 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">how risks are assessed and managed.</span></div><div class=\"ps5829 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The standard sets out different types of business models that dictate the classification in instances where the cash flows meet the </span></div><div class=\"ps10682 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">SPPI test.</span></div><div class=\"ps5831 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">\u25aa<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps461\">Hold to collect:</span><span class=\"f charStyle-8925e50a ps10683\"> </span><span class=\"f charStyle-33e1c6d6 ps10684\">it is intended to hold the asset to maturity to earn interest, collecting repayments of principal and interest from </span></div><div class=\"ps5832 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">the customer. These assets are accounted for at amortised cost</span></div><div class=\"ps10686 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">\u25aa<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps461\">Hold to collect and sell:</span><span class=\"f charStyle-33e1c6d6 ps10685\"> this model is similar to the hold to collect model, except that the entity may elect to sell some or\u00a0all of </span></div><div class=\"ps10687 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">the assets before maturity to achieve the objectives of the business model. These assets are accounted for at FVOCI</span></div><div class=\"ps10689 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">\u25aa<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps461\">Hold to sell/managed on a fair value basis:</span><span class=\"f charStyle-33e1c6d6 ps10688\"> the entity originates or purchases an asset with the intention of disposing of it in the </span></div><div class=\"ps10690 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">short or medium term to benefit from capital appreciation or the portfolio is managed on a fair value basis. These assets are </span></div><div class=\"ps10691 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">accounted for at FVPL.</span></div><div class=\"ps10692 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Financial instruments measured at amortised cost</span></div><div class=\"ps10693 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets that are debt instruments are held to collect the contractual cash flows and that contain contractual terms that </span></div><div class=\"ps10694 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">give rise to cash flows that are solely payments of principal and interest, such as most loans and advances to banks and customers </span></div><div class=\"ps10695 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and some debt securities, are measured at amortised cost. In addition, most financial liabilities are measured at amortised cost. </span></div><div class=\"ps10696 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Financial assets measured at fair value through other comprehensive income (FVOCI)</span></div><div class=\"ps10697 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets held for a business model that is achieved by both collecting contractual cash flows and selling and that contain </span></div><div class=\"ps10698 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">contractual terms that give rise on specified dates to cash flows that are solely payments of principal and interest are measured at </span></div><div class=\"ps10699 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">FVOCI. </span></div><div class=\"ps10700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">They are subsequently remeasured at fair value and changes therein (except for those relating to impairment, interest income and </span></div><div class=\"ps10701 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">foreign currency exchange gains and losses) are recognised in other comprehensive income until the assets are sold. Upon </span></div><div class=\"ps10702 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">disposal, the cumulative gains or losses in other comprehensive income are recognised in the income statement in investment </span></div><div class=\"ps10703 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">income.</span></div><div class=\"ps10704 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets measured at FVOCI are included in the impairment calculations and impairment is recognised in profit or loss.</span></div><div class=\"ps10705 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group measures equity instruments at FVOCI when it considers the investments to be strategic or held for long-term dividend </span></div><div class=\"ps10706 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">yield. The equity instruments are not held for trading. Gains and losses on financial assets that are equity instruments are never </span></div><div class=\"ps10707 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recycled to the income statement. Dividends are recognised in the income statement within investment income when the right of </span></div><div class=\"ps10708 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the payment has been established. Equity instruments at FVOCI are not subject to an impairment assessment.</span></div><div class=\"ps10709 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Financial guarantees and commitments</span></div><div class=\"ps10710 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial guarantee contracts issued by the Group are those contracts that require a payment to be made to reimburse the holder </span></div><div class=\"ps10711 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">for a loss it incurs because the specified debtor fails to make a payment when due, in accordance with the terms of a debt </span></div><div class=\"ps10712 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">instrument. Financial guarantees issued by the Group are not classified as insurance contracts and are initially recognised at fair </span></div><div class=\"ps10713 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">value.</span></div><div class=\"ps10714 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Subsequent to initial recognition, the liability under each guarantee is measured at the higher of the amount initially recognised less </span></div><div class=\"ps10715 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the cumulative amount of income recognised in accordance with IFRS 15 Revenue from Contracts with Customers, and the best </span></div><div class=\"ps10716 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">estimate of expected credit loss (ECL) calculated for the financial guarantee. Subsequent to initial measurement, all changes in the </span></div><div class=\"ps10717 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">balance sheet carrying value are recognised in the income statement.</span></div><div class=\"ps10718 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group may commit to provide a loan which has not yet been drawn. When the loan that arises from the lending commitment is </span></div><div class=\"ps10719 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">expected to meet the criteria to be measured at amortised cost or FVOCI, the undrawn commitment is also considered to be in the </span></div><div class=\"ps10720 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">scope of the ECL measurement model. </span></div></div><div><div class=\"ps4165 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Impairment of financial assets held at amortised cost or FVOCI</span></div><div class=\"ps5816 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">At each balance sheet date, each financial asset or portfolio of advances categorised at amortised cost or at FVOCI, issued </span></div><div class=\"ps5817 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">financial guarantee and loan commitment is measured for ECL impairment. The costs of loss allowances on assets held at </span></div><div class=\"ps5818 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">amortised cost and at FVOCI are presented as \u2018expected credit loss impairment (charges)/release\u2019 in the income statement. </span></div><div class=\"ps5819 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Allowances in respect of financial guarantees and loan commitments are presented as other liabilities and charges recorded within </span></div><div class=\"ps5820 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the same line the in income statement. Financial assets held at amortised cost are presented net of allowances, except where the </span></div><div class=\"ps5821 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">asset has been wholly or partially written off.</span><span class=\"f charStyle-33e1c6d6 ps10723\">\u00a0 </span></div><div class=\"ps5822 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Stage 1</span></div><div class=\"ps5986 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets that are considered performing and have not had a significant increase in credit risk are reported as Stage 1 assets. </span></div><div class=\"ps5987 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Stage 1 financial assets have loss allowances measured at an amount equal to a 12-month ECL.</span></div><div class=\"ps10724 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Stage 2</span></div><div class=\"ps10725 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets are considered to be in Stage 2 when their credit risk has increased significantly since initial recognition. A\u00a0loss </span></div><div class=\"ps10726 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">allowance equivalent to a lifetime ECL is required to\u00a0be\u00a0held.</span></div><div class=\"ps10727 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group\u2019s primary indicator for Stage 2 assets are distressed loans, potential problem loans and exposures in arrears that require </span></div><div class=\"ps10728 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">additional attention and supervision from watchlist committees and are under management review.</span></div><div class=\"ps10729 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Assets in forbearance are considered to be, at a minimum, Stage 2. Forbearance measures refer to concessions such </span></div><div class=\"ps10730 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">as\u00a0modification of the terms and conditions or refinancing that\u00a0has been granted to a debtor in financial difficulty. These\u00a0exposures </span></div><div class=\"ps10731 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">are assessed on a case-by-case basis to\u00a0determine whether the proposed modifications will be considered as forbearance. Where </span></div><div class=\"ps10732 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the Credit Committee considers it likely that the client will be able to return to perform against the original contractual obligations </span></div><div class=\"ps10733 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">within a reasonable time frame these assets will be considered performing and in\u00a0Stage 2. Forbearance is distinguished from </span></div><div class=\"ps10734 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">commercial renegotiations which take place as part of normal business activity and standard banking practice.</span></div><div class=\"ps10735 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In addition to loans under management review, an asset may also move from Stage 1 to Stage 2 if the model calculated probability </span></div><div class=\"ps10736 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of default (PD) has significantly increased since origination. This is tested on both a relative and absolute basis to assess whether a </span></div><div class=\"ps10737 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">significant deterioration in lifetime risk of default has occurred.</span></div><div class=\"ps10738 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">There is a common definition across the Bank\u2019s exposures regarding what constitutes a significant PD movement. The test involves </span></div><div class=\"ps10739 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">both an absolute and relative movement threshold. An asset is considered to have been subjected to a significant increase in credit </span></div><div class=\"ps10740 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">risk if the appropriate PD has doubled relative to the value at origination and on an absolute basis has increased by more than 1%. </span></div><div class=\"ps10741 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Any asset with an original rating that is classified as investment grade will be judged to have had a significant movement if the new </span></div><div class=\"ps10742 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">PD would classify it as sub-investment grade and the equivalent rating has moved by more than three notches. </span></div><div class=\"ps10743 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group adopts the view that all financial assets that are more than 30 days past due have experienced a significant increase in </span></div><div class=\"ps10744 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">credit risk. </span></div><div class=\"ps10745 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Exposures move back to Stage 1 once they no longer meet the criteria above for a significant increase in credit risk and as cure </span></div><div class=\"ps10746 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">periods (specifically relating to forborne exposures) are\u00a0met. </span></div><div class=\"ps10747 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Stage 3</span></div><div class=\"ps10748 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets are included in Stage 3 when there is objective evidence of credit impairment. The Group assesses a loan as Stage </span></div><div class=\"ps10751 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">3 when contractual payments of </span><span class=\"f charStyle-7a1d24f9 ps10749\">either</span><span class=\"f charStyle-33e1c6d6 ps10750\"> principal or interest are past due for more than 90 days, the debtor is assessed as unlikely </span></div><div class=\"ps10752 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">to pay and credit impaired, or the loan is otherwise considered to be in default, for example, due to the appointment of an </span></div><div class=\"ps10753 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">administrator or the client is in receivership. Forborne loans that are considered non-performing, for example, if a loan is not </span></div><div class=\"ps10754 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">expected to meet the original contractual obligations in a reasonable time frame, will be classified as Stage 3. Loans which are 90 </span></div><div class=\"ps10755 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">days or more past due are considered to be in default.</span></div><div class=\"ps10756 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group applies the effective interest rate on Stage 3 assets to the amortised cost of the financial asset (i.e. gross carrying </span></div><div class=\"ps10757 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">amount less ECL allowance) instead of its gross carrying amount and incorporates the impact of the ECLs in estimated future cash </span></div><div class=\"ps10758 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">flows.</span></div><div class=\"ps10759 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Definition of default</span></div><div class=\"ps10760 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group has aligned the IFRS 9 and regulatory definitions of default, credit impaired and non-performing exposure. Assets that </span></div><div class=\"ps10761 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">are more than 90 days past due, or considered by management as unlikely to pay their obligations in full without realisation of </span></div><div class=\"ps10762 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">collateral are considered as exposures in default.</span></div><div class=\"ps10763 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">ECL calculation basis</span></div><div class=\"ps10764 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The assessment of credit risk and the estimation of ECL are required to be unbiased, probability-weighted and should incorporate </span></div><div class=\"ps10765 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">all available information relevant to the assessment, including information about past events, current conditions and reasonable and </span></div><div class=\"ps10766 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">supportable forecasts of economic conditions at the reporting date. In addition, the estimation of ECL should take into account the </span></div><div class=\"ps10767 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">time value of money. As a result, the recognition and measurement of impairment is intended to be forward\u2011looking and therefore, </span></div><div class=\"ps10768 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">potentially volatile.</span></div></div><div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Write-offs</span></div><div class=\"ps10770 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group has developed specific guidelines on write-off aimed at granting full compliance with IFRS 9 and the document </span></div><div class=\"ps10771 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">'Guidance to banks on non-performing loans' issued by the European Central Bank.</span></div><div class=\"ps10772 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">A loan or advance is written off in full against the related ECL impairment allowance when the entity has no reasonable </span></div><div class=\"ps10773 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">expectations of recovering a financial asset in its entirety or a portion thereof. This is assessed on a case-by-case basis with </span></div><div class=\"ps10774 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">considerations to indicators such as whether the exposure has been restructured or the given financial position of the borrower </span></div><div class=\"ps10775 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and guarantors. Any recoveries of amounts previously written off decrease the amount of impairment losses.</span></div><div class=\"ps10776 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Cured assets</span></div><div class=\"ps10777 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Loans and advances are regularly assessed to determine whether conditions which led to a significant increase in credit risk or </span></div><div class=\"ps10778 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">impairment still exist. Where applicable, the cured asset will move to the appropriate performing stage which reflects the re-</span></div><div class=\"ps10779 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">assessed credit risk in line with our Arrears, default and recovery (ADR) policy which is aligned to the applicable Regulatory </span></div><div class=\"ps10780 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">requirements.</span></div><div class=\"ps10781 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Process to determine ECL</span></div><div class=\"ps10782 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">ECL is calculated using three main components:<span class=\"f ps2\"> </span></span></div><div class=\"ps10783 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">A probability of default (PD)<span class=\"f ps2\"> </span></span></div><div class=\"ps10784 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">A loss given default (LGD)<span class=\"f ps2\"> </span></span></div><div class=\"ps10785 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">The exposure at default (EAD).<span class=\"f ps2\"> </span></span></div><div class=\"ps10786 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The 12-month and lifetime PDs represent the probability of a default occurring over the next 12 months or the lifetime of the </span></div><div class=\"ps10787 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">financial exposures, respectively, based on conditions existing at the balance sheet date and future forecast macro-economic </span></div><div class=\"ps10788 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">conditions that affect credit risk.</span></div><div class=\"ps10789 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The LGD represents losses expected on default, taking into account the mitigating effect of collateral and guarantees that are </span></div><div class=\"ps10790 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">integral to the instrument, the expected value when realised and the time value of money. The forecast value for the collateral is </span></div><div class=\"ps10791 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">also affected by the range of forward-looking, probability-weighted macro-economic scenarios. </span></div><div class=\"ps10792 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The EAD represents the expected balance at default, taking into account the repayment of principal and interest from the balance </span></div><div class=\"ps10793 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sheet date to the default event together with any expected drawdown of a committed facility. </span></div><div class=\"ps10794 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The calculation of the 12-month ECL is based on the 12-month PD and LGD along with the EAD and effective interest rate (EIR) for </span></div><div class=\"ps10795 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the asset. Lifetime ECL is calculated using the lifetime PD curve, and the appropriate LGDs and EADs, and discount rates using the </span></div><div class=\"ps10796 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">EIR for the remaining life of the financial asset.</span></div><div class=\"ps10797 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Expert judgement models or appropriate proxies for PDs are also utilised for certain portfolios where the ECL is found to be minimal, </span></div><div class=\"ps10798 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">either due to the portfolio\u2019s small relative size or the low default nature of these portfolios, such as cash and balances held at </span></div><div class=\"ps10799 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">central banks.</span></div><div class=\"ps10800 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Management adjustments are made to modelled output to account for situations where additional information and known or </span></div><div class=\"ps10801 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">expected risk factors have not been captured in the modelling process.</span></div><div class=\"ps10802 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Financial instruments held at fair value through profit or loss</span></div><div class=\"ps10803 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial instruments held at FVPL include all instruments classified as held for trading, those instruments designated as held at </span></div><div class=\"ps10804 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">FVPL, those financial assets which do not meet the criteria for amortised cost or FVOCI and derivative financial instruments.</span></div><div class=\"ps10805 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial instruments classified as FVPL are initially recorded at fair value on the balance sheet with changes in fair value </span></div><div class=\"ps10806 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">subsequently recognised in the income statement. Financial instruments are classified as held for trading when they are held with </span></div><div class=\"ps10807 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the intention of short-term disposal, held with the intention of generating short-term profit, or are derivatives which are not </span></div><div class=\"ps10808 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">designated as part of effective hedges. Financial instruments designated as held at FVPL are designated as such on initial </span></div><div class=\"ps10809 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recognition of the instrument and remain in this classification until derecognition. </span></div><div class=\"ps10810 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Changes in fair value of financial liabilities designated at fair value that are attributable to changes in own credit risk are recognised </span></div><div class=\"ps10811 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">in other comprehensive income. Any other changes in fair value are recognised in the income statement.</span></div><div class=\"ps10812 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Reclassification of financial instruments</span></div><div class=\"ps10813 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets are only reclassified where there has been a change in business model. Certain financial liabilities can be </span></div><div class=\"ps10814 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reclassified to equity.</span></div><div class=\"ps10815 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Modification of financial assets and liabilities</span></div><div class=\"ps10816 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Where the contractual terms of a financial asset or liability are renegotiated or otherwise modified in a way that is not considered to </span></div><div class=\"ps10817 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">be substantial, the gross carrying amount of the asset or liability is recalculated using the original effective interest rate where </span></div><div class=\"ps10818 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">applicable. The difference between the respective amounts is recognised as a modification gain or loss in the income statement. </span></div><div class=\"ps10819 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Where the modification is considered to be substantial, it is treated as a settlement of the original instrument and recognition of a </span></div><div class=\"ps10820 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">new instrument. The difference in the respective carrying amounts is recognised in the income statement.</span></div></div><div><div class=\"ps4165 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Derecognition of financial assets and liabilities</span></div><div class=\"ps5816 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">A financial asset, or a portion thereof, is derecognised when the Group\u2019s rights to cash flows have expired or when the Group has </span></div><div class=\"ps5817 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">transferred its rights to cash flows relating to the financial assets and either (a) the Group has transferred substantially all the risks </span></div><div class=\"ps5818 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and rewards associated with the financial assets or (b) the Group has neither transferred nor retained substantially all the risks and </span></div><div class=\"ps5819 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">rewards associated with the financial assets but has transferred control of the assets.</span></div><div class=\"ps10630 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">When the Group has neither transferred nor retained substantially all the risks and rewards and has retained control of the asset, </span></div><div class=\"ps10822 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the asset continues to be recognised only to the extent of the Group\u2019s continuing involvement, in which case, the Group also </span></div><div class=\"ps5822 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recognises an associated liability. The transferred asset and the associated liability are measured on a basis that reflects the rights </span></div><div class=\"ps5823 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and obligations that the Group has retained.</span></div><div class=\"ps10634 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">A financial liability is derecognised when it is extinguished, that is when the obligation is discharged, cancelled or expired. When an </span></div><div class=\"ps5825 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">existing financial liability is replaced or modified with substantially different terms, such a replacement or modification is treated as </span></div><div class=\"ps5826 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">a derecognition of the original liability and the recognition of a new liability. The difference in the respective carrying amounts is </span></div><div class=\"ps5827 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recognised in the income statement.</span></div><div class=\"ps10823 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Securitisation/credit investment and trading activities exposures</span></div><div class=\"ps10824 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group makes use of securitisation vehicles as a source of finance, as a means of risk transfer and to leverage returns through </span></div><div class=\"ps10825 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the retention of equity tranches in low default rate portfolios. The Group predominantly focuses on the securitisation of residential </span></div><div class=\"ps10826 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and commercial mortgages and lease receivables. The Group also trades in structured credit investments.</span></div><div class=\"ps10827 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The structured entities are consolidated under IFRS 10 Consolidated Financial Statements when the Group has exposure to or </span></div><div class=\"ps10828 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">rights to variable returns from its involvement with the investee and has the ability to affect those returns through its power over </span></div><div class=\"ps10829 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the investee.</span></div><div class=\"ps10830 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Certain loans and advances that are originated by the Group are transferred to structured entities, with the structured entities in </span></div><div class=\"ps10831 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">turn issuing debt securities to external investors to fund the purchase of the securitised assets. When the Group consolidates the </span></div><div class=\"ps10832 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">structured entity, the Group recognises the assets and liabilities on a gross basis. When the Group does not consolidate the </span></div><div class=\"ps10833 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">structured entity, the securitised assets are derecognised if the required criteria are met, and only any position still held by the </span></div><div class=\"ps5056 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group in the structured entity or retained interests in the assets is reflected.</span></div><div class=\"ps10834 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Day-one profit or loss</span></div><div class=\"ps10835 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">When the transaction price differs from the fair value of other observable current market transactions in the same instrument or </span></div><div class=\"ps10836 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">based on the valuation technique whose variables include only data from observable markets, the difference between the </span></div><div class=\"ps10837 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">transaction price and fair value is recognised immediately in the income statement. In cases where fair value is determined using </span></div><div class=\"ps10697 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">data which is not observable, the difference between the transaction price and model value is recognised in the income statement </span></div><div class=\"ps10698 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">when the inputs become observable, when the instrument is derecognised or over the life of the transaction, only to the extent that </span></div><div class=\"ps10699 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">it arises from a change in a factor (including time) that market participants would take into account when pricing the asset or </span></div><div class=\"ps10838 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">liability.</span></div><div class=\"ps10839 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Derivative instruments</span></div><div class=\"ps10840 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">All derivative instruments of the Group are recorded on the balance sheet at fair value. Positive and negative fair values are </span></div><div class=\"ps10841 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reported as assets and liabilities, respectively.</span></div><div class=\"ps10842 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Derivative positions are entered into either for trading purposes or as part of the Group\u2019s asset and liability balance sheet </span></div><div class=\"ps10843 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">management activities to manage exposures to foreign currency, interest rate and equity risks. Both realised and unrealised profit </span></div><div class=\"ps10844 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">or losses arising on derivatives are recognised in the income statement as part of trading income (other than circumstances in </span></div><div class=\"ps10845 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">which cash flow hedging is applied as detailed in the hedge accounting section below).</span></div><div class=\"ps10846 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Derivative instruments entered into as economic hedges which do not qualify for hedge accounting and derivatives that are </span></div><div class=\"ps10847 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">entered into for trading purposes are classified in the same way as instruments that are held-for-trading.</span></div><div class=\"ps10848 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Hedge accounting</span></div><div class=\"ps10849 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">When the Group first implemented IFRS 9 Financial Instruments, it made an election to continue to apply the hedge accounting <span class=\"f ps2\"> </span></span></div><div class=\"ps10850 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">requirements of IAS 39 as an accounting policy.<span class=\"f ps2\"> </span></span></div><div class=\"ps10851 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group applies either fair value, cash flow hedge or hedge of net investments in foreign operations accounting when the <span class=\"f ps2\"> </span></span></div><div class=\"ps10852 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">transactions meet the specified hedge accounting criteria.<span class=\"f ps2\"> </span></span></div><div class=\"ps10853 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">To qualify for hedge accounting treatment, the Group ensures that all of the following conditions are met: <span class=\"f ps2\"> </span></span></div><div class=\"ps10854 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">At inception of the hedge, the Group formally documents the relationship between the hedging instrument(s) and hedged item(s) <span class=\"f ps2\"> </span></span></div><div class=\"ps10855 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">including the risk management objectives and the strategy in undertaking the hedge transaction. Also at the inception of the <span class=\"f ps2\"> </span></span></div><div class=\"ps10856 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">hedge relationship, a formal assessment is undertaken to ensure the hedging instrument is expected to be highly effective in <span class=\"f ps2\"> </span></span></div><div class=\"ps10857 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">offsetting the designated risk in the hedged item. A hedge is expected to be highly effective if the changes in fair value or cash <span class=\"f ps2\"> </span></span></div><div class=\"ps10858 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">flows attributable to the hedged risk during the period for which the hedge is designated are expected to offset in a range of <span class=\"f ps2\"> </span></span></div><div class=\"ps10859 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">80% to 125%<span class=\"f ps2\"> </span></span></div><div class=\"ps10860 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">For cash flow hedges, a forecasted transaction that is the subject of the hedge must be highly probable and must present an <span class=\"f ps2\"> </span></span></div><div class=\"ps10861 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">exposure to variations in cash flows that could ultimately affect the income statement<span class=\"f ps2\"> </span></span></div><div class=\"ps10862 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">The effectiveness of the hedge can be reliably measured, i.e. the fair value or cash flows of the hedged item that are attributable <span class=\"f ps2\"> </span></span></div><div class=\"ps10863 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">to the hedged risk and the fair value of the hedging instrument can be reliably measured<span class=\"f ps2\"> </span></span></div></div><div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">The hedge effectiveness is assessed on an ongoing basis and determined actually to have been highly effective throughout the <span class=\"f ps2\"> </span></span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">financial reporting periods for which the hedge was designated.<span class=\"f ps2\"> </span></span></div><div class=\"ps7745 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For qualifying fair value hedges, the change in fair value of the hedging instrument is recognised in the income statement. Changes <span class=\"f ps2\"> </span></span></div><div class=\"ps6025 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">in fair value of the hedged item that are attributable to the hedged risk are also recognised in the income statement. Under micro <span class=\"f ps2\"> </span></span></div><div class=\"ps705 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">hedging, a corresponding adjustment is made to OCI where the hedged item is measured at FVOCI and to the carrying value of the <span class=\"f ps2\"> </span></span></div><div class=\"ps706 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">item itself for amortised cost items. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps1654\">For macro hedges of amortised cost items this adjustment is shown as a separate balance </span></div><div class=\"ps3314 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sheet line item.</span></div><div class=\"ps710 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For qualifying cash flow hedges in respect of non-financial assets and liabilities, the change in fair value of the hedging instrument </span></div><div class=\"ps712 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">relating to the effective portion is initially recognised directly in other comprehensive income in the cash flow hedge reserve and is </span></div><div class=\"ps3315 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">included in the initial cost of any asset/liability recognised or in all other cases released to the income statement when the hedged </span></div><div class=\"ps3316 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">firm commitment or forecasted transaction affects net profit. If the forecast transaction or firm commitment is no longer expected </span></div><div class=\"ps6373 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">to occur, the balance included in other comprehensive income is reclassified to the income statement immediately and recognised </span></div><div class=\"ps8274 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">in trading income from balance sheet management and other trading activities.</span></div><div class=\"ps6029 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For qualifying cash flow hedges in respect of financial assets and liabilities, the change in fair value of the hedging instrument that </span></div><div class=\"ps6374 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">represents an effective hedge is initially recognised in other comprehensive income and is reclassified to the income statement in </span></div><div class=\"ps7988 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the same period during which the relevant financial asset or liability affects the income statement. Any ineffective portion of the </span></div><div class=\"ps7990 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">hedge is immediately recognised in the income statement.</span></div><div class=\"ps6377 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For qualifying hedges of a net investment in a foreign operation, including a hedge of a monetary item that is accounted for as part </span></div><div class=\"ps6378 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of the net investment, are accounted for in a way similar to cash flow hedges. Changes in the fair value of the hedging instrument </span></div><div class=\"ps6379 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">relating to the effective portion of the hedge are recognised in other comprehensive income while any gains or losses relating to </span></div><div class=\"ps7995 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the ineffective portion are recognised in the income statement. On disposal of the foreign operation, the cumulative value of any </span></div><div class=\"ps7996 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">such gain or loss recorded in other comprehensive income is reclassified to the income statement.</span></div><div class=\"ps6382 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Hedge accounting is discontinued when it is determined that the hedging relationship ceases to meet the qualifying criteria, </span></div><div class=\"ps5212 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">including when the derivative expires, or is sold, terminated or exercised; when the hedged item matures or is sold or repaid; when </span></div><div class=\"ps6383 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">a forecasted transaction is no longer deemed highly probable or when the designation as a hedge is revoked.</span></div><div class=\"ps8261 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Sources of hedge ineffectiveness may arise from basis risk, including but not limited to the discount rates used for calculating the </span></div><div class=\"ps6385 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">fair value of derivatives, hedges using instruments with a non-nil fair value at the date of recognition, and notional and timing </span></div><div class=\"ps8000 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">differences between the hedged items and hedging instruments.</span></div><div class=\"ps10864 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Offsetting of financial assets and liabilities</span></div><div class=\"ps10865 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets and liabilities are offset when there is both an intention to settle on a net basis (or simultaneously) and a currently </span></div><div class=\"ps10866 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">enforceable legal right to offset exists.</span></div><div class=\"ps10867 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Issued debt and equity financial instruments</span></div><div class=\"ps10868 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial instruments issued by the Group are classified as liabilities if they contain a contractual obligation to deliver cash or </span></div><div class=\"ps10869 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">another financial asset.</span></div><div class=\"ps10870 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial instruments issued by the Group are classified as equity where they confer on the holder a residual interest in the Group, </span></div><div class=\"ps10871 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and the Group has no obligation to deliver either cash or another financial asset to the holder. The components of compound </span></div><div class=\"ps10872 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">issued financial instruments are accounted for separately with the liability component separated first and any residual amount </span></div><div class=\"ps10873 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">being allocated to the equity component.</span></div><div class=\"ps10874 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Equity instruments issued by subsidiaries of the Group are recorded as non-controlling interests on the balance sheet.</span></div><div class=\"ps10875 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Equity instruments are initially measured net of directly attributable issue costs.</span></div><div class=\"ps10876 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Treasury shares represent issued equity repurchased by the Group which have not been cancelled. Treasury shares are deducted </span></div><div class=\"ps10877 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">from shareholders\u2019 equity and are held at acquisition cost plus related transaction costs. Where treasury shares are subsequently </span></div><div class=\"ps10878 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sold or reissued, net proceeds received are included in shareholders\u2019 equity. Realised gains or losses on disposal are reflected </span></div><div class=\"ps10879 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">directly in retained income.</span></div><div class=\"ps6014 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Dividends on ordinary shares are recognised as a deduction from equity at the earlier of the payment date or the date that it is </span></div><div class=\"ps6015 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">approved by Investec plc.</span></div><div class=\"ps10880 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Non-sovereign and non-bank cash placements</span></div><div class=\"ps10881 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Non-sovereign and non-bank cash placements relates to overnight deposits placed with large corporate clients contractually </span></div><div class=\"ps10882 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">callable on demand. </span></div><div class=\"ps10883 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Sale and repurchase agreements (including securities borrowing and lending)</span></div><div class=\"ps10884 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Securities sold subject to a commitment to repurchase, at a fixed price or a selling price plus a lender\u2019s return, remain on-balance </span></div><div class=\"ps10885 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sheet as the requirements of derecognition have not been met. Proceeds received are recorded as a liability on the balance sheet </span></div><div class=\"ps10886 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">under \u2018repurchase agreements and cash collateral on securities lent\u2019. Securities that are purchased under a commitment to resell </span></div><div class=\"ps10887 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the securities at a future date are not recognised on the balance sheet. The consideration paid is recognised as an asset under </span></div><div class=\"ps10888 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2018reverse repurchase agreements and cash collateral on securities borrowed\u2019.</span></div><div class=\"ps10889 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Where financial instruments have been purchased at the same time as derivatives with the same counterparty, such that the </span></div><div class=\"ps10890 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">combined position has the economic substance of secured lending, an asset is recognised under \u2018reverse repurchase agreements </span></div><div class=\"ps10891 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and cash collateral on securities borrowed\u2019.</span></div></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The difference between the sale and repurchase prices is treated as interest and is accrued over the life of the agreement using </span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the effective interest method.</span></div><div class=\"ps7745 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Securities lending and borrowing transactions that are not cash collateralised do not result in recognition of securities borrowed or </span></div><div class=\"ps6025 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">derecognition of securities lent. Securities lending and borrowing transactions which are cash collateralised are accounted for in </span></div><div class=\"ps705 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the same manner as securities sold or purchased subject to repurchase commitments.</span></div><div class=\"ps80 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The cash collateral from agency-based scrip lending transactions is presented on a net basis where the master netting agreement </span></div><div class=\"ps707 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">provides for a legal right of offset and the intention is to settle net.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-859": {
   "value": "<div class=\"ps10649 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Fair value measurement</span></div><div class=\"ps10650 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Fair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market </span></div><div class=\"ps10651 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">participants at the measurement date in the principal or, in its absence, the most advantageous market to which the Group has </span></div><div class=\"ps10652 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">access at that date. The fair value of an asset or a liability incorporates its non-performance risk.</span></div><div class=\"ps10653 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">When available, the Group measures the fair value of an instrument using the quoted price in an active market for that instrument.</span></div><div class=\"ps10654 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">If there is no quoted price in an active market, then the Group uses valuation techniques that maximise the use of relevant </span></div><div class=\"ps10655 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">observable inputs and minimise the use of unobservable inputs. The chosen valuation technique incorporates all of the factors that </span></div><div class=\"ps10656 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">market participants would take into account in pricing a transaction.</span></div><div class=\"ps10657 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">If an asset or a liability measured at fair value has a bid price and an ask price, then the Group measures assets and long positions </span></div><div class=\"ps10658 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">at a bid price and liabilities and short positions at an ask price.</span></div><div class=\"ps10659 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group classifies disclosed fair values according to a hierarchy that reflects the significance of observable market inputs.</span></div><div class=\"ps10660 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">A transfer is made between the hierarchy levels when the inputs have changed or there has been a change in the valuation </span></div><div class=\"ps10661 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">method. Transfers are deemed to occur at the end of each semi-annual reporting period.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFairValueMeasurementExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-863": {
   "value": "<div class=\"ps10662 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Financial instruments</span></div><div class=\"ps10663 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial instruments are initially recognised at their fair value. For financial assets or financial liabilities not held at fair value </span></div><div class=\"ps10664 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">through profit or loss, transaction costs that are directly attributable to the acquisition or issue of the financial assets or financial </span></div><div class=\"ps7346 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">liabilities are included in the initial measurement. All other transaction costs are recorded in the income statement immediately. </span></div><div class=\"ps10665 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Regular way purchase and sales transactions in respect of financial assets that require delivery of a financial instrument within the </span></div><div class=\"ps10668 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">time frame established by market convention are recorded at </span><span class=\"f charStyle-33e1c6d6 ps10666\"> </span><span class=\"f charStyle-33e1c6d6 ps10667\">trade date.</span></div><div class=\"ps7349 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets are classified as at fair value through profit or loss (FVPL) if they are equity instruments or derivative instruments, <span class=\"f ps2\"> </span></span></div><div class=\"ps10669 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">while debt instruments are classified based on the business model and characteristics of related cash flows. Financial liabilities are <span class=\"f ps2\"> </span></span></div><div class=\"ps10670 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">classified as at amortised cost other than trading liabilities and derivative instruments, which are classified as at FVPL.<span class=\"f ps2\"> </span></span></div><div class=\"ps10671 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">However, the Group may make the following irrevocable election/designation at initial recognition of a financial asset on an asset-<span class=\"f ps2\"> </span></span></div><div class=\"ps10672 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">by-asset basis:<span class=\"f ps2\"> </span></span></div><div class=\"ps10673 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Elect to present subsequent changes in fair value of an equity investment that is neither held for trading nor contingent <span class=\"f ps2\"> </span></span></div><div class=\"ps10674 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">consideration recognised by an acquirer in a business combination to which IFRS 3 Business Combinations applies, in OCI<span class=\"f ps2\"> </span></span></div><div class=\"ps10675 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">A debt instrument that meets the amortised cost or FVOCI criteria as measured at FVPL if doing so eliminates or significantly <span class=\"f ps2\"> </span></span></div><div class=\"ps10676 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">reduces an accounting mismatch (referred to as the fair value option).<span class=\"f ps2\"> </span></span></div><div class=\"ps10677 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial liabilities may also be designated as at FVPL when doing so results in more relevant information, because either it <span class=\"f ps2\"> </span></span></div><div class=\"ps10678 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">eliminates or significantly reduces a measurement or recognition inconsistency that would otherwise arise from measuring assets <span class=\"f ps2\"> </span></span></div><div class=\"ps10679 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">or liabilities or recognising the gains and losses on them on different bases; or a group of financial liabilities or financial assets and <span class=\"f ps2\"> </span></span></div><div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">financial liabilities is managed and its performance is evaluated on a fair value basis. In addition, where a financial liability contract <span class=\"f ps2\"> </span></span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">contains one or more embedded derivatives (which significantly modifies the cash flows that would be required by the contract <span class=\"f ps2\"> </span></span></div><div class=\"ps701 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and is not clearly prohibited from separation from the host contract), the Group may designate the entire hybrid contract as a <span class=\"f ps2\"> </span></span></div><div class=\"ps702 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">financial instrument at FVPL.<span class=\"f ps2\"> </span></span></div><div class=\"ps705 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Debt instruments are typically designated at fair value when they incur interest at a fixed rate. The Group enters into derivatives <span class=\"f ps2\"> </span></span></div><div class=\"ps706 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">based on the contractual or behavioural term of the instruments, as appropriate, to protect against movements in market interest <span class=\"f ps2\"> </span></span></div><div class=\"ps3314 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">rates as an economic hedge, therefore the designation allows for the elimination of an accounting mismatch arising on fair value <span class=\"f ps2\"> </span></span></div><div class=\"ps6371 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">movements on these derivatives.<span class=\"f ps2\"> </span></span></div><div class=\"ps10681 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Business model assessment</span></div><div class=\"ps10634 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For financial assets, IFRS 9 Financial Instruments requires that a business model assessment is carried out which reflects how the </span></div><div class=\"ps5825 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group manages the assets in order to generate cash flows. The assessment is at a portfolio level, being the level at which a group </span></div><div class=\"ps5826 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of investments is managed. Factors considered by the Group in determining the business model for a portfolio include past </span></div><div class=\"ps5827 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">experience on how the cash flows for these assets were collected, how the assets\u2019 performance is evaluated and reported and </span></div><div class=\"ps5828 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">how risks are assessed and managed.</span></div><div class=\"ps5829 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The standard sets out different types of business models that dictate the classification in instances where the cash flows meet the </span></div><div class=\"ps10682 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">SPPI test.</span></div><div class=\"ps5831 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">\u25aa<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps461\">Hold to collect:</span><span class=\"f charStyle-8925e50a ps10683\"> </span><span class=\"f charStyle-33e1c6d6 ps10684\">it is intended to hold the asset to maturity to earn interest, collecting repayments of principal and interest from </span></div><div class=\"ps5832 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">the customer. These assets are accounted for at amortised cost</span></div><div class=\"ps10686 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">\u25aa<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps461\">Hold to collect and sell:</span><span class=\"f charStyle-33e1c6d6 ps10685\"> this model is similar to the hold to collect model, except that the entity may elect to sell some or\u00a0all of </span></div><div class=\"ps10687 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">the assets before maturity to achieve the objectives of the business model. These assets are accounted for at FVOCI</span></div><div class=\"ps10689 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">\u25aa<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps461\">Hold to sell/managed on a fair value basis:</span><span class=\"f charStyle-33e1c6d6 ps10688\"> the entity originates or purchases an asset with the intention of disposing of it in the </span></div><div class=\"ps10690 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">short or medium term to benefit from capital appreciation or the portfolio is managed on a fair value basis. These assets are </span></div><div class=\"ps10691 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">accounted for at FVPL.</span></div><div class=\"ps10692 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Financial instruments measured at amortised cost</span></div><div class=\"ps10693 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets that are debt instruments are held to collect the contractual cash flows and that contain contractual terms that </span></div><div class=\"ps10694 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">give rise to cash flows that are solely payments of principal and interest, such as most loans and advances to banks and customers </span></div><div class=\"ps10695 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and some debt securities, are measured at amortised cost. In addition, most financial liabilities are measured at amortised cost. </span></div><div class=\"ps10696 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Financial assets measured at fair value through other comprehensive income (FVOCI)</span></div><div class=\"ps10697 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets held for a business model that is achieved by both collecting contractual cash flows and selling and that contain </span></div><div class=\"ps10698 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">contractual terms that give rise on specified dates to cash flows that are solely payments of principal and interest are measured at </span></div><div class=\"ps10699 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">FVOCI. </span></div><div class=\"ps10700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">They are subsequently remeasured at fair value and changes therein (except for those relating to impairment, interest income and </span></div><div class=\"ps10701 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">foreign currency exchange gains and losses) are recognised in other comprehensive income until the assets are sold. Upon </span></div><div class=\"ps10702 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">disposal, the cumulative gains or losses in other comprehensive income are recognised in the income statement in investment </span></div><div class=\"ps10703 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">income.</span></div><div class=\"ps10704 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets measured at FVOCI are included in the impairment calculations and impairment is recognised in profit or loss.</span></div><div class=\"ps10705 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group measures equity instruments at FVOCI when it considers the investments to be strategic or held for long-term dividend </span></div><div class=\"ps10706 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">yield. The equity instruments are not held for trading. Gains and losses on financial assets that are equity instruments are never </span></div><div class=\"ps10707 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recycled to the income statement. Dividends are recognised in the income statement within investment income when the right of </span></div><div class=\"ps10708 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the payment has been established. Equity instruments at FVOCI are not subject to an impairment assessment.</span></div><div class=\"ps10709 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Financial guarantees and commitments</span></div><div class=\"ps10710 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial guarantee contracts issued by the Group are those contracts that require a payment to be made to reimburse the holder </span></div><div class=\"ps10711 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">for a loss it incurs because the specified debtor fails to make a payment when due, in accordance with the terms of a debt </span></div><div class=\"ps10712 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">instrument. Financial guarantees issued by the Group are not classified as insurance contracts and are initially recognised at fair </span></div><div class=\"ps10713 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">value.</span></div><div class=\"ps10714 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Subsequent to initial recognition, the liability under each guarantee is measured at the higher of the amount initially recognised less </span></div><div class=\"ps10715 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the cumulative amount of income recognised in accordance with IFRS 15 Revenue from Contracts with Customers, and the best </span></div><div class=\"ps10716 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">estimate of expected credit loss (ECL) calculated for the financial guarantee. Subsequent to initial measurement, all changes in the </span></div><div class=\"ps10717 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">balance sheet carrying value are recognised in the income statement.</span></div><div class=\"ps10718 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group may commit to provide a loan which has not yet been drawn. When the loan that arises from the lending commitment is </span></div><div class=\"ps10719 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">expected to meet the criteria to be measured at amortised cost or FVOCI, the undrawn commitment is also considered to be in the </span></div><div class=\"ps10720 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">scope of the ECL measurement model. </span></div></div><div><div class=\"ps4165 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Impairment of financial assets held at amortised cost or FVOCI</span></div><div class=\"ps5816 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">At each balance sheet date, each financial asset or portfolio of advances categorised at amortised cost or at FVOCI, issued </span></div><div class=\"ps5817 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">financial guarantee and loan commitment is measured for ECL impairment. The costs of loss allowances on assets held at </span></div><div class=\"ps5818 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">amortised cost and at FVOCI are presented as \u2018expected credit loss impairment (charges)/release\u2019 in the income statement. </span></div><div class=\"ps5819 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Allowances in respect of financial guarantees and loan commitments are presented as other liabilities and charges recorded within </span></div><div class=\"ps5820 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the same line the in income statement. Financial assets held at amortised cost are presented net of allowances, except where the </span></div><div class=\"ps5821 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">asset has been wholly or partially written off.</span><span class=\"f charStyle-33e1c6d6 ps10723\">\u00a0 </span></div><div class=\"ps5822 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Stage 1</span></div><div class=\"ps5986 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets that are considered performing and have not had a significant increase in credit risk are reported as Stage 1 assets. </span></div><div class=\"ps5987 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Stage 1 financial assets have loss allowances measured at an amount equal to a 12-month ECL.</span></div><div class=\"ps10724 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Stage 2</span></div><div class=\"ps10725 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets are considered to be in Stage 2 when their credit risk has increased significantly since initial recognition. A\u00a0loss </span></div><div class=\"ps10726 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">allowance equivalent to a lifetime ECL is required to\u00a0be\u00a0held.</span></div><div class=\"ps10727 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group\u2019s primary indicator for Stage 2 assets are distressed loans, potential problem loans and exposures in arrears that require </span></div><div class=\"ps10728 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">additional attention and supervision from watchlist committees and are under management review.</span></div><div class=\"ps10729 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Assets in forbearance are considered to be, at a minimum, Stage 2. Forbearance measures refer to concessions such </span></div><div class=\"ps10730 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">as\u00a0modification of the terms and conditions or refinancing that\u00a0has been granted to a debtor in financial difficulty. These\u00a0exposures </span></div><div class=\"ps10731 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">are assessed on a case-by-case basis to\u00a0determine whether the proposed modifications will be considered as forbearance. Where </span></div><div class=\"ps10732 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the Credit Committee considers it likely that the client will be able to return to perform against the original contractual obligations </span></div><div class=\"ps10733 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">within a reasonable time frame these assets will be considered performing and in\u00a0Stage 2. Forbearance is distinguished from </span></div><div class=\"ps10734 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">commercial renegotiations which take place as part of normal business activity and standard banking practice.</span></div><div class=\"ps10735 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In addition to loans under management review, an asset may also move from Stage 1 to Stage 2 if the model calculated probability </span></div><div class=\"ps10736 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of default (PD) has significantly increased since origination. This is tested on both a relative and absolute basis to assess whether a </span></div><div class=\"ps10737 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">significant deterioration in lifetime risk of default has occurred.</span></div><div class=\"ps10738 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">There is a common definition across the Bank\u2019s exposures regarding what constitutes a significant PD movement. The test involves </span></div><div class=\"ps10739 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">both an absolute and relative movement threshold. An asset is considered to have been subjected to a significant increase in credit </span></div><div class=\"ps10740 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">risk if the appropriate PD has doubled relative to the value at origination and on an absolute basis has increased by more than 1%. </span></div><div class=\"ps10741 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Any asset with an original rating that is classified as investment grade will be judged to have had a significant movement if the new </span></div><div class=\"ps10742 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">PD would classify it as sub-investment grade and the equivalent rating has moved by more than three notches. </span></div><div class=\"ps10743 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group adopts the view that all financial assets that are more than 30 days past due have experienced a significant increase in </span></div><div class=\"ps10744 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">credit risk. </span></div><div class=\"ps10745 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Exposures move back to Stage 1 once they no longer meet the criteria above for a significant increase in credit risk and as cure </span></div><div class=\"ps10746 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">periods (specifically relating to forborne exposures) are\u00a0met. </span></div><div class=\"ps10747 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Stage 3</span></div><div class=\"ps10748 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets are included in Stage 3 when there is objective evidence of credit impairment. The Group assesses a loan as Stage </span></div><div class=\"ps10751 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">3 when contractual payments of </span><span class=\"f charStyle-7a1d24f9 ps10749\">either</span><span class=\"f charStyle-33e1c6d6 ps10750\"> principal or interest are past due for more than 90 days, the debtor is assessed as unlikely </span></div><div class=\"ps10752 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">to pay and credit impaired, or the loan is otherwise considered to be in default, for example, due to the appointment of an </span></div><div class=\"ps10753 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">administrator or the client is in receivership. Forborne loans that are considered non-performing, for example, if a loan is not </span></div><div class=\"ps10754 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">expected to meet the original contractual obligations in a reasonable time frame, will be classified as Stage 3. Loans which are 90 </span></div><div class=\"ps10755 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">days or more past due are considered to be in default.</span></div><div class=\"ps10756 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group applies the effective interest rate on Stage 3 assets to the amortised cost of the financial asset (i.e. gross carrying </span></div><div class=\"ps10757 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">amount less ECL allowance) instead of its gross carrying amount and incorporates the impact of the ECLs in estimated future cash </span></div><div class=\"ps10758 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">flows.</span></div><div class=\"ps10759 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Definition of default</span></div><div class=\"ps10760 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group has aligned the IFRS 9 and regulatory definitions of default, credit impaired and non-performing exposure. Assets that </span></div><div class=\"ps10761 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">are more than 90 days past due, or considered by management as unlikely to pay their obligations in full without realisation of </span></div><div class=\"ps10762 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">collateral are considered as exposures in default.</span></div><div class=\"ps10763 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">ECL calculation basis</span></div><div class=\"ps10764 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The assessment of credit risk and the estimation of ECL are required to be unbiased, probability-weighted and should incorporate </span></div><div class=\"ps10765 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">all available information relevant to the assessment, including information about past events, current conditions and reasonable and </span></div><div class=\"ps10766 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">supportable forecasts of economic conditions at the reporting date. In addition, the estimation of ECL should take into account the </span></div><div class=\"ps10767 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">time value of money. As a result, the recognition and measurement of impairment is intended to be forward\u2011looking and therefore, </span></div><div class=\"ps10768 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">potentially volatile.</span></div></div><div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Write-offs</span></div><div class=\"ps10770 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group has developed specific guidelines on write-off aimed at granting full compliance with IFRS 9 and the document </span></div><div class=\"ps10771 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">'Guidance to banks on non-performing loans' issued by the European Central Bank.</span></div><div class=\"ps10772 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">A loan or advance is written off in full against the related ECL impairment allowance when the entity has no reasonable </span></div><div class=\"ps10773 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">expectations of recovering a financial asset in its entirety or a portion thereof. This is assessed on a case-by-case basis with </span></div><div class=\"ps10774 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">considerations to indicators such as whether the exposure has been restructured or the given financial position of the borrower </span></div><div class=\"ps10775 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and guarantors. Any recoveries of amounts previously written off decrease the amount of impairment losses.</span></div><div class=\"ps10776 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Cured assets</span></div><div class=\"ps10777 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Loans and advances are regularly assessed to determine whether conditions which led to a significant increase in credit risk or </span></div><div class=\"ps10778 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">impairment still exist. Where applicable, the cured asset will move to the appropriate performing stage which reflects the re-</span></div><div class=\"ps10779 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">assessed credit risk in line with our Arrears, default and recovery (ADR) policy which is aligned to the applicable Regulatory </span></div><div class=\"ps10780 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">requirements.</span></div><div class=\"ps10781 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Process to determine ECL</span></div><div class=\"ps10782 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">ECL is calculated using three main components:<span class=\"f ps2\"> </span></span></div><div class=\"ps10783 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">A probability of default (PD)<span class=\"f ps2\"> </span></span></div><div class=\"ps10784 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">A loss given default (LGD)<span class=\"f ps2\"> </span></span></div><div class=\"ps10785 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">The exposure at default (EAD).<span class=\"f ps2\"> </span></span></div><div class=\"ps10786 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The 12-month and lifetime PDs represent the probability of a default occurring over the next 12 months or the lifetime of the </span></div><div class=\"ps10787 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">financial exposures, respectively, based on conditions existing at the balance sheet date and future forecast macro-economic </span></div><div class=\"ps10788 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">conditions that affect credit risk.</span></div><div class=\"ps10789 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The LGD represents losses expected on default, taking into account the mitigating effect of collateral and guarantees that are </span></div><div class=\"ps10790 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">integral to the instrument, the expected value when realised and the time value of money. The forecast value for the collateral is </span></div><div class=\"ps10791 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">also affected by the range of forward-looking, probability-weighted macro-economic scenarios. </span></div><div class=\"ps10792 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The EAD represents the expected balance at default, taking into account the repayment of principal and interest from the balance </span></div><div class=\"ps10793 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sheet date to the default event together with any expected drawdown of a committed facility. </span></div><div class=\"ps10794 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The calculation of the 12-month ECL is based on the 12-month PD and LGD along with the EAD and effective interest rate (EIR) for </span></div><div class=\"ps10795 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the asset. Lifetime ECL is calculated using the lifetime PD curve, and the appropriate LGDs and EADs, and discount rates using the </span></div><div class=\"ps10796 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">EIR for the remaining life of the financial asset.</span></div><div class=\"ps10797 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Expert judgement models or appropriate proxies for PDs are also utilised for certain portfolios where the ECL is found to be minimal, </span></div><div class=\"ps10798 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">either due to the portfolio\u2019s small relative size or the low default nature of these portfolios, such as cash and balances held at </span></div><div class=\"ps10799 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">central banks.</span></div><div class=\"ps10800 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Management adjustments are made to modelled output to account for situations where additional information and known or </span></div><div class=\"ps10801 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">expected risk factors have not been captured in the modelling process.</span></div><div class=\"ps10802 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Financial instruments held at fair value through profit or loss</span></div><div class=\"ps10803 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial instruments held at FVPL include all instruments classified as held for trading, those instruments designated as held at </span></div><div class=\"ps10804 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">FVPL, those financial assets which do not meet the criteria for amortised cost or FVOCI and derivative financial instruments.</span></div><div class=\"ps10805 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial instruments classified as FVPL are initially recorded at fair value on the balance sheet with changes in fair value </span></div><div class=\"ps10806 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">subsequently recognised in the income statement. Financial instruments are classified as held for trading when they are held with </span></div><div class=\"ps10807 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the intention of short-term disposal, held with the intention of generating short-term profit, or are derivatives which are not </span></div><div class=\"ps10808 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">designated as part of effective hedges. Financial instruments designated as held at FVPL are designated as such on initial </span></div><div class=\"ps10809 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recognition of the instrument and remain in this classification until derecognition. </span></div><div class=\"ps10810 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Changes in fair value of financial liabilities designated at fair value that are attributable to changes in own credit risk are recognised </span></div><div class=\"ps10811 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">in other comprehensive income. Any other changes in fair value are recognised in the income statement.</span></div><div class=\"ps10812 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Reclassification of financial instruments</span></div><div class=\"ps10813 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets are only reclassified where there has been a change in business model. Certain financial liabilities can be </span></div><div class=\"ps10814 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reclassified to equity.</span></div><div class=\"ps10815 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Modification of financial assets and liabilities</span></div><div class=\"ps10816 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Where the contractual terms of a financial asset or liability are renegotiated or otherwise modified in a way that is not considered to </span></div><div class=\"ps10817 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">be substantial, the gross carrying amount of the asset or liability is recalculated using the original effective interest rate where </span></div><div class=\"ps10818 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">applicable. The difference between the respective amounts is recognised as a modification gain or loss in the income statement. </span></div><div class=\"ps10819 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Where the modification is considered to be substantial, it is treated as a settlement of the original instrument and recognition of a </span></div><div class=\"ps10820 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">new instrument. The difference in the respective carrying amounts is recognised in the income statement.</span></div></div><div><div class=\"ps4165 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Derecognition of financial assets and liabilities</span></div><div class=\"ps5816 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">A financial asset, or a portion thereof, is derecognised when the Group\u2019s rights to cash flows have expired or when the Group has </span></div><div class=\"ps5817 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">transferred its rights to cash flows relating to the financial assets and either (a) the Group has transferred substantially all the risks </span></div><div class=\"ps5818 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and rewards associated with the financial assets or (b) the Group has neither transferred nor retained substantially all the risks and </span></div><div class=\"ps5819 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">rewards associated with the financial assets but has transferred control of the assets.</span></div><div class=\"ps10630 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">When the Group has neither transferred nor retained substantially all the risks and rewards and has retained control of the asset, </span></div><div class=\"ps10822 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the asset continues to be recognised only to the extent of the Group\u2019s continuing involvement, in which case, the Group also </span></div><div class=\"ps5822 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recognises an associated liability. The transferred asset and the associated liability are measured on a basis that reflects the rights </span></div><div class=\"ps5823 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and obligations that the Group has retained.</span></div><div class=\"ps10634 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">A financial liability is derecognised when it is extinguished, that is when the obligation is discharged, cancelled or expired. When an </span></div><div class=\"ps5825 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">existing financial liability is replaced or modified with substantially different terms, such a replacement or modification is treated as </span></div><div class=\"ps5826 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">a derecognition of the original liability and the recognition of a new liability. The difference in the respective carrying amounts is </span></div><div class=\"ps5827 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recognised in the income statement.</span></div><div class=\"ps10823 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Securitisation/credit investment and trading activities exposures</span></div><div class=\"ps10824 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group makes use of securitisation vehicles as a source of finance, as a means of risk transfer and to leverage returns through </span></div><div class=\"ps10825 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the retention of equity tranches in low default rate portfolios. The Group predominantly focuses on the securitisation of residential </span></div><div class=\"ps10826 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and commercial mortgages and lease receivables. The Group also trades in structured credit investments.</span></div><div class=\"ps10827 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The structured entities are consolidated under IFRS 10 Consolidated Financial Statements when the Group has exposure to or </span></div><div class=\"ps10828 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">rights to variable returns from its involvement with the investee and has the ability to affect those returns through its power over </span></div><div class=\"ps10829 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the investee.</span></div><div class=\"ps10830 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Certain loans and advances that are originated by the Group are transferred to structured entities, with the structured entities in </span></div><div class=\"ps10831 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">turn issuing debt securities to external investors to fund the purchase of the securitised assets. When the Group consolidates the </span></div><div class=\"ps10832 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">structured entity, the Group recognises the assets and liabilities on a gross basis. When the Group does not consolidate the </span></div><div class=\"ps10833 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">structured entity, the securitised assets are derecognised if the required criteria are met, and only any position still held by the </span></div><div class=\"ps5056 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group in the structured entity or retained interests in the assets is reflected.</span></div><div class=\"ps10834 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Day-one profit or loss</span></div><div class=\"ps10835 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">When the transaction price differs from the fair value of other observable current market transactions in the same instrument or </span></div><div class=\"ps10836 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">based on the valuation technique whose variables include only data from observable markets, the difference between the </span></div><div class=\"ps10837 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">transaction price and fair value is recognised immediately in the income statement. In cases where fair value is determined using </span></div><div class=\"ps10697 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">data which is not observable, the difference between the transaction price and model value is recognised in the income statement </span></div><div class=\"ps10698 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">when the inputs become observable, when the instrument is derecognised or over the life of the transaction, only to the extent that </span></div><div class=\"ps10699 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">it arises from a change in a factor (including time) that market participants would take into account when pricing the asset or </span></div><div class=\"ps10838 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">liability.</span></div><div class=\"ps10839 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Derivative instruments</span></div><div class=\"ps10840 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">All derivative instruments of the Group are recorded on the balance sheet at fair value. Positive and negative fair values are </span></div><div class=\"ps10841 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reported as assets and liabilities, respectively.</span></div><div class=\"ps10842 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Derivative positions are entered into either for trading purposes or as part of the Group\u2019s asset and liability balance sheet </span></div><div class=\"ps10843 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">management activities to manage exposures to foreign currency, interest rate and equity risks. Both realised and unrealised profit </span></div><div class=\"ps10844 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">or losses arising on derivatives are recognised in the income statement as part of trading income (other than circumstances in </span></div><div class=\"ps10845 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">which cash flow hedging is applied as detailed in the hedge accounting section below).</span></div><div class=\"ps10846 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Derivative instruments entered into as economic hedges which do not qualify for hedge accounting and derivatives that are </span></div><div class=\"ps10847 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">entered into for trading purposes are classified in the same way as instruments that are held-for-trading.</span></div><div class=\"ps10848 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Hedge accounting</span></div><div class=\"ps10849 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">When the Group first implemented IFRS 9 Financial Instruments, it made an election to continue to apply the hedge accounting <span class=\"f ps2\"> </span></span></div><div class=\"ps10850 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">requirements of IAS 39 as an accounting policy.<span class=\"f ps2\"> </span></span></div><div class=\"ps10851 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group applies either fair value, cash flow hedge or hedge of net investments in foreign operations accounting when the <span class=\"f ps2\"> </span></span></div><div class=\"ps10852 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">transactions meet the specified hedge accounting criteria.<span class=\"f ps2\"> </span></span></div><div class=\"ps10853 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">To qualify for hedge accounting treatment, the Group ensures that all of the following conditions are met: <span class=\"f ps2\"> </span></span></div><div class=\"ps10854 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">At inception of the hedge, the Group formally documents the relationship between the hedging instrument(s) and hedged item(s) <span class=\"f ps2\"> </span></span></div><div class=\"ps10855 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">including the risk management objectives and the strategy in undertaking the hedge transaction. Also at the inception of the <span class=\"f ps2\"> </span></span></div><div class=\"ps10856 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">hedge relationship, a formal assessment is undertaken to ensure the hedging instrument is expected to be highly effective in <span class=\"f ps2\"> </span></span></div><div class=\"ps10857 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">offsetting the designated risk in the hedged item. A hedge is expected to be highly effective if the changes in fair value or cash <span class=\"f ps2\"> </span></span></div><div class=\"ps10858 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">flows attributable to the hedged risk during the period for which the hedge is designated are expected to offset in a range of <span class=\"f ps2\"> </span></span></div><div class=\"ps10859 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">80% to 125%<span class=\"f ps2\"> </span></span></div><div class=\"ps10860 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">For cash flow hedges, a forecasted transaction that is the subject of the hedge must be highly probable and must present an <span class=\"f ps2\"> </span></span></div><div class=\"ps10861 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">exposure to variations in cash flows that could ultimately affect the income statement<span class=\"f ps2\"> </span></span></div><div class=\"ps10862 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">The effectiveness of the hedge can be reliably measured, i.e. the fair value or cash flows of the hedged item that are attributable <span class=\"f ps2\"> </span></span></div><div class=\"ps10863 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">to the hedged risk and the fair value of the hedging instrument can be reliably measured<span class=\"f ps2\"> </span></span></div></div><div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">The hedge effectiveness is assessed on an ongoing basis and determined actually to have been highly effective throughout the <span class=\"f ps2\"> </span></span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">financial reporting periods for which the hedge was designated.<span class=\"f ps2\"> </span></span></div><div class=\"ps7745 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For qualifying fair value hedges, the change in fair value of the hedging instrument is recognised in the income statement. Changes <span class=\"f ps2\"> </span></span></div><div class=\"ps6025 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">in fair value of the hedged item that are attributable to the hedged risk are also recognised in the income statement. Under micro <span class=\"f ps2\"> </span></span></div><div class=\"ps705 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">hedging, a corresponding adjustment is made to OCI where the hedged item is measured at FVOCI and to the carrying value of the <span class=\"f ps2\"> </span></span></div><div class=\"ps706 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">item itself for amortised cost items. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps1654\">For macro hedges of amortised cost items this adjustment is shown as a separate balance </span></div><div class=\"ps3314 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sheet line item.</span></div><div class=\"ps710 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For qualifying cash flow hedges in respect of non-financial assets and liabilities, the change in fair value of the hedging instrument </span></div><div class=\"ps712 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">relating to the effective portion is initially recognised directly in other comprehensive income in the cash flow hedge reserve and is </span></div><div class=\"ps3315 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">included in the initial cost of any asset/liability recognised or in all other cases released to the income statement when the hedged </span></div><div class=\"ps3316 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">firm commitment or forecasted transaction affects net profit. If the forecast transaction or firm commitment is no longer expected </span></div><div class=\"ps6373 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">to occur, the balance included in other comprehensive income is reclassified to the income statement immediately and recognised </span></div><div class=\"ps8274 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">in trading income from balance sheet management and other trading activities.</span></div><div class=\"ps6029 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For qualifying cash flow hedges in respect of financial assets and liabilities, the change in fair value of the hedging instrument that </span></div><div class=\"ps6374 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">represents an effective hedge is initially recognised in other comprehensive income and is reclassified to the income statement in </span></div><div class=\"ps7988 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the same period during which the relevant financial asset or liability affects the income statement. Any ineffective portion of the </span></div><div class=\"ps7990 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">hedge is immediately recognised in the income statement.</span></div><div class=\"ps6377 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For qualifying hedges of a net investment in a foreign operation, including a hedge of a monetary item that is accounted for as part </span></div><div class=\"ps6378 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of the net investment, are accounted for in a way similar to cash flow hedges. Changes in the fair value of the hedging instrument </span></div><div class=\"ps6379 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">relating to the effective portion of the hedge are recognised in other comprehensive income while any gains or losses relating to </span></div><div class=\"ps7995 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the ineffective portion are recognised in the income statement. On disposal of the foreign operation, the cumulative value of any </span></div><div class=\"ps7996 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">such gain or loss recorded in other comprehensive income is reclassified to the income statement.</span></div><div class=\"ps6382 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Hedge accounting is discontinued when it is determined that the hedging relationship ceases to meet the qualifying criteria, </span></div><div class=\"ps5212 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">including when the derivative expires, or is sold, terminated or exercised; when the hedged item matures or is sold or repaid; when </span></div><div class=\"ps6383 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">a forecasted transaction is no longer deemed highly probable or when the designation as a hedge is revoked.</span></div><div class=\"ps8261 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Sources of hedge ineffectiveness may arise from basis risk, including but not limited to the discount rates used for calculating the </span></div><div class=\"ps6385 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">fair value of derivatives, hedges using instruments with a non-nil fair value at the date of recognition, and notional and timing </span></div><div class=\"ps8000 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">differences between the hedged items and hedging instruments.</span></div><div class=\"ps10864 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Offsetting of financial assets and liabilities</span></div><div class=\"ps10865 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets and liabilities are offset when there is both an intention to settle on a net basis (or simultaneously) and a currently </span></div><div class=\"ps10866 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">enforceable legal right to offset exists.</span></div><div class=\"ps10867 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Issued debt and equity financial instruments</span></div><div class=\"ps10868 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial instruments issued by the Group are classified as liabilities if they contain a contractual obligation to deliver cash or </span></div><div class=\"ps10869 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">another financial asset.</span></div><div class=\"ps10870 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial instruments issued by the Group are classified as equity where they confer on the holder a residual interest in the Group, </span></div><div class=\"ps10871 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and the Group has no obligation to deliver either cash or another financial asset to the holder. The components of compound </span></div><div class=\"ps10872 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">issued financial instruments are accounted for separately with the liability component separated first and any residual amount </span></div><div class=\"ps10873 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">being allocated to the equity component.</span></div><div class=\"ps10874 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Equity instruments issued by subsidiaries of the Group are recorded as non-controlling interests on the balance sheet.</span></div><div class=\"ps10875 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Equity instruments are initially measured net of directly attributable issue costs.</span></div><div class=\"ps10876 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Treasury shares represent issued equity repurchased by the Group which have not been cancelled. Treasury shares are deducted </span></div><div class=\"ps10877 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">from shareholders\u2019 equity and are held at acquisition cost plus related transaction costs. Where treasury shares are subsequently </span></div><div class=\"ps10878 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sold or reissued, net proceeds received are included in shareholders\u2019 equity. Realised gains or losses on disposal are reflected </span></div><div class=\"ps10879 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">directly in retained income.</span></div><div class=\"ps6014 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Dividends on ordinary shares are recognised as a deduction from equity at the earlier of the payment date or the date that it is </span></div><div class=\"ps6015 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">approved by Investec plc.</span></div><div class=\"ps10880 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Non-sovereign and non-bank cash placements</span></div><div class=\"ps10881 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Non-sovereign and non-bank cash placements relates to overnight deposits placed with large corporate clients contractually </span></div><div class=\"ps10882 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">callable on demand. </span></div><div class=\"ps10883 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Sale and repurchase agreements (including securities borrowing and lending)</span></div><div class=\"ps10884 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Securities sold subject to a commitment to repurchase, at a fixed price or a selling price plus a lender\u2019s return, remain on-balance </span></div><div class=\"ps10885 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sheet as the requirements of derecognition have not been met. Proceeds received are recorded as a liability on the balance sheet </span></div><div class=\"ps10886 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">under \u2018repurchase agreements and cash collateral on securities lent\u2019. Securities that are purchased under a commitment to resell </span></div><div class=\"ps10887 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the securities at a future date are not recognised on the balance sheet. The consideration paid is recognised as an asset under </span></div><div class=\"ps10888 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2018reverse repurchase agreements and cash collateral on securities borrowed\u2019.</span></div><div class=\"ps10889 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Where financial instruments have been purchased at the same time as derivatives with the same counterparty, such that the </span></div><div class=\"ps10890 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">combined position has the economic substance of secured lending, an asset is recognised under \u2018reverse repurchase agreements </span></div><div class=\"ps10891 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and cash collateral on securities borrowed\u2019.</span></div></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The difference between the sale and repurchase prices is treated as interest and is accrued over the life of the agreement using </span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the effective interest method.</span></div><div class=\"ps7745 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Securities lending and borrowing transactions that are not cash collateralised do not result in recognition of securities borrowed or </span></div><div class=\"ps6025 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">derecognition of securities lent. Securities lending and borrowing transactions which are cash collateralised are accounted for in </span></div><div class=\"ps705 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the same manner as securities sold or purchased subject to repurchase commitments.</span></div><div class=\"ps80 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The cash collateral from agency-based scrip lending transactions is presented on a net basis where the master netting agreement </span></div><div class=\"ps707 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">provides for a legal right of offset and the intention is to settle net.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-862": {
   "value": "<div class=\"ps10662 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Financial instruments</span></div><div class=\"ps10663 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial instruments are initially recognised at their fair value. For financial assets or financial liabilities not held at fair value </span></div><div class=\"ps10664 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">through profit or loss, transaction costs that are directly attributable to the acquisition or issue of the financial assets or financial </span></div><div class=\"ps7346 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">liabilities are included in the initial measurement. All other transaction costs are recorded in the income statement immediately. </span></div><div class=\"ps10665 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Regular way purchase and sales transactions in respect of financial assets that require delivery of a financial instrument within the </span></div><div class=\"ps10668 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">time frame established by market convention are recorded at </span><span class=\"f charStyle-33e1c6d6 ps10666\"> </span><span class=\"f charStyle-33e1c6d6 ps10667\">trade date.</span></div><div class=\"ps7349 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets are classified as at fair value through profit or loss (FVPL) if they are equity instruments or derivative instruments, <span class=\"f ps2\"> </span></span></div><div class=\"ps10669 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">while debt instruments are classified based on the business model and characteristics of related cash flows. Financial liabilities are <span class=\"f ps2\"> </span></span></div><div class=\"ps10670 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">classified as at amortised cost other than trading liabilities and derivative instruments, which are classified as at FVPL.<span class=\"f ps2\"> </span></span></div><div class=\"ps10671 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">However, the Group may make the following irrevocable election/designation at initial recognition of a financial asset on an asset-<span class=\"f ps2\"> </span></span></div><div class=\"ps10672 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">by-asset basis:<span class=\"f ps2\"> </span></span></div><div class=\"ps10673 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Elect to present subsequent changes in fair value of an equity investment that is neither held for trading nor contingent <span class=\"f ps2\"> </span></span></div><div class=\"ps10674 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">consideration recognised by an acquirer in a business combination to which IFRS 3 Business Combinations applies, in OCI<span class=\"f ps2\"> </span></span></div><div class=\"ps10675 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">A debt instrument that meets the amortised cost or FVOCI criteria as measured at FVPL if doing so eliminates or significantly <span class=\"f ps2\"> </span></span></div><div class=\"ps10676 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">reduces an accounting mismatch (referred to as the fair value option).<span class=\"f ps2\"> </span></span></div><div class=\"ps10677 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial liabilities may also be designated as at FVPL when doing so results in more relevant information, because either it <span class=\"f ps2\"> </span></span></div><div class=\"ps10678 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">eliminates or significantly reduces a measurement or recognition inconsistency that would otherwise arise from measuring assets <span class=\"f ps2\"> </span></span></div><div class=\"ps10679 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">or liabilities or recognising the gains and losses on them on different bases; or a group of financial liabilities or financial assets and <span class=\"f ps2\"> </span></span></div><div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">financial liabilities is managed and its performance is evaluated on a fair value basis. In addition, where a financial liability contract <span class=\"f ps2\"> </span></span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">contains one or more embedded derivatives (which significantly modifies the cash flows that would be required by the contract <span class=\"f ps2\"> </span></span></div><div class=\"ps701 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and is not clearly prohibited from separation from the host contract), the Group may designate the entire hybrid contract as a <span class=\"f ps2\"> </span></span></div><div class=\"ps702 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">financial instrument at FVPL.<span class=\"f ps2\"> </span></span></div><div class=\"ps705 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Debt instruments are typically designated at fair value when they incur interest at a fixed rate. The Group enters into derivatives <span class=\"f ps2\"> </span></span></div><div class=\"ps706 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">based on the contractual or behavioural term of the instruments, as appropriate, to protect against movements in market interest <span class=\"f ps2\"> </span></span></div><div class=\"ps3314 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">rates as an economic hedge, therefore the designation allows for the elimination of an accounting mismatch arising on fair value <span class=\"f ps2\"> </span></span></div><div class=\"ps6371 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">movements on these derivatives.<span class=\"f ps2\"> </span></span></div><div class=\"ps10681 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Business model assessment</span></div><div class=\"ps10634 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For financial assets, IFRS 9 Financial Instruments requires that a business model assessment is carried out which reflects how the </span></div><div class=\"ps5825 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group manages the assets in order to generate cash flows. The assessment is at a portfolio level, being the level at which a group </span></div><div class=\"ps5826 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of investments is managed. Factors considered by the Group in determining the business model for a portfolio include past </span></div><div class=\"ps5827 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">experience on how the cash flows for these assets were collected, how the assets\u2019 performance is evaluated and reported and </span></div><div class=\"ps5828 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">how risks are assessed and managed.</span></div><div class=\"ps5829 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The standard sets out different types of business models that dictate the classification in instances where the cash flows meet the </span></div><div class=\"ps10682 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">SPPI test.</span></div><div class=\"ps5831 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">\u25aa<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps461\">Hold to collect:</span><span class=\"f charStyle-8925e50a ps10683\"> </span><span class=\"f charStyle-33e1c6d6 ps10684\">it is intended to hold the asset to maturity to earn interest, collecting repayments of principal and interest from </span></div><div class=\"ps5832 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">the customer. These assets are accounted for at amortised cost</span></div><div class=\"ps10686 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">\u25aa<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps461\">Hold to collect and sell:</span><span class=\"f charStyle-33e1c6d6 ps10685\"> this model is similar to the hold to collect model, except that the entity may elect to sell some or\u00a0all of </span></div><div class=\"ps10687 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">the assets before maturity to achieve the objectives of the business model. These assets are accounted for at FVOCI</span></div><div class=\"ps10689 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">\u25aa<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps461\">Hold to sell/managed on a fair value basis:</span><span class=\"f charStyle-33e1c6d6 ps10688\"> the entity originates or purchases an asset with the intention of disposing of it in the </span></div><div class=\"ps10690 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">short or medium term to benefit from capital appreciation or the portfolio is managed on a fair value basis. These assets are </span></div><div class=\"ps10691 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">accounted for at FVPL.</span></div><div class=\"ps10692 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Financial instruments measured at amortised cost</span></div><div class=\"ps10693 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets that are debt instruments are held to collect the contractual cash flows and that contain contractual terms that </span></div><div class=\"ps10694 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">give rise to cash flows that are solely payments of principal and interest, such as most loans and advances to banks and customers </span></div><div class=\"ps10695 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and some debt securities, are measured at amortised cost. In addition, most financial liabilities are measured at amortised cost. </span></div><div class=\"ps10696 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Financial assets measured at fair value through other comprehensive income (FVOCI)</span></div><div class=\"ps10697 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets held for a business model that is achieved by both collecting contractual cash flows and selling and that contain </span></div><div class=\"ps10698 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">contractual terms that give rise on specified dates to cash flows that are solely payments of principal and interest are measured at </span></div><div class=\"ps10699 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">FVOCI. </span></div><div class=\"ps10700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">They are subsequently remeasured at fair value and changes therein (except for those relating to impairment, interest income and </span></div><div class=\"ps10701 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">foreign currency exchange gains and losses) are recognised in other comprehensive income until the assets are sold. Upon </span></div><div class=\"ps10702 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">disposal, the cumulative gains or losses in other comprehensive income are recognised in the income statement in investment </span></div><div class=\"ps10703 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">income.</span></div><div class=\"ps10704 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets measured at FVOCI are included in the impairment calculations and impairment is recognised in profit or loss.</span></div><div class=\"ps10705 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group measures equity instruments at FVOCI when it considers the investments to be strategic or held for long-term dividend </span></div><div class=\"ps10706 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">yield. The equity instruments are not held for trading. Gains and losses on financial assets that are equity instruments are never </span></div><div class=\"ps10707 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recycled to the income statement. Dividends are recognised in the income statement within investment income when the right of </span></div><div class=\"ps10708 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the payment has been established. Equity instruments at FVOCI are not subject to an impairment assessment.</span></div><div class=\"ps10709 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Financial guarantees and commitments</span></div><div class=\"ps10710 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial guarantee contracts issued by the Group are those contracts that require a payment to be made to reimburse the holder </span></div><div class=\"ps10711 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">for a loss it incurs because the specified debtor fails to make a payment when due, in accordance with the terms of a debt </span></div><div class=\"ps10712 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">instrument. Financial guarantees issued by the Group are not classified as insurance contracts and are initially recognised at fair </span></div><div class=\"ps10713 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">value.</span></div><div class=\"ps10714 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Subsequent to initial recognition, the liability under each guarantee is measured at the higher of the amount initially recognised less </span></div><div class=\"ps10715 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the cumulative amount of income recognised in accordance with IFRS 15 Revenue from Contracts with Customers, and the best </span></div><div class=\"ps10716 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">estimate of expected credit loss (ECL) calculated for the financial guarantee. Subsequent to initial measurement, all changes in the </span></div><div class=\"ps10717 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">balance sheet carrying value are recognised in the income statement.</span></div><div class=\"ps10718 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group may commit to provide a loan which has not yet been drawn. When the loan that arises from the lending commitment is </span></div><div class=\"ps10719 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">expected to meet the criteria to be measured at amortised cost or FVOCI, the undrawn commitment is also considered to be in the </span></div><div class=\"ps10720 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">scope of the ECL measurement model. </span></div></div><div><div class=\"ps4165 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Impairment of financial assets held at amortised cost or FVOCI</span></div><div class=\"ps5816 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">At each balance sheet date, each financial asset or portfolio of advances categorised at amortised cost or at FVOCI, issued </span></div><div class=\"ps5817 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">financial guarantee and loan commitment is measured for ECL impairment. The costs of loss allowances on assets held at </span></div><div class=\"ps5818 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">amortised cost and at FVOCI are presented as \u2018expected credit loss impairment (charges)/release\u2019 in the income statement. </span></div><div class=\"ps5819 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Allowances in respect of financial guarantees and loan commitments are presented as other liabilities and charges recorded within </span></div><div class=\"ps5820 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the same line the in income statement. Financial assets held at amortised cost are presented net of allowances, except where the </span></div><div class=\"ps5821 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">asset has been wholly or partially written off.</span><span class=\"f charStyle-33e1c6d6 ps10723\">\u00a0 </span></div><div class=\"ps5822 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Stage 1</span></div><div class=\"ps5986 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets that are considered performing and have not had a significant increase in credit risk are reported as Stage 1 assets. </span></div><div class=\"ps5987 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Stage 1 financial assets have loss allowances measured at an amount equal to a 12-month ECL.</span></div><div class=\"ps10724 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Stage 2</span></div><div class=\"ps10725 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets are considered to be in Stage 2 when their credit risk has increased significantly since initial recognition. A\u00a0loss </span></div><div class=\"ps10726 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">allowance equivalent to a lifetime ECL is required to\u00a0be\u00a0held.</span></div><div class=\"ps10727 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group\u2019s primary indicator for Stage 2 assets are distressed loans, potential problem loans and exposures in arrears that require </span></div><div class=\"ps10728 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">additional attention and supervision from watchlist committees and are under management review.</span></div><div class=\"ps10729 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Assets in forbearance are considered to be, at a minimum, Stage 2. Forbearance measures refer to concessions such </span></div><div class=\"ps10730 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">as\u00a0modification of the terms and conditions or refinancing that\u00a0has been granted to a debtor in financial difficulty. These\u00a0exposures </span></div><div class=\"ps10731 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">are assessed on a case-by-case basis to\u00a0determine whether the proposed modifications will be considered as forbearance. Where </span></div><div class=\"ps10732 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the Credit Committee considers it likely that the client will be able to return to perform against the original contractual obligations </span></div><div class=\"ps10733 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">within a reasonable time frame these assets will be considered performing and in\u00a0Stage 2. Forbearance is distinguished from </span></div><div class=\"ps10734 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">commercial renegotiations which take place as part of normal business activity and standard banking practice.</span></div><div class=\"ps10735 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In addition to loans under management review, an asset may also move from Stage 1 to Stage 2 if the model calculated probability </span></div><div class=\"ps10736 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of default (PD) has significantly increased since origination. This is tested on both a relative and absolute basis to assess whether a </span></div><div class=\"ps10737 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">significant deterioration in lifetime risk of default has occurred.</span></div><div class=\"ps10738 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">There is a common definition across the Bank\u2019s exposures regarding what constitutes a significant PD movement. The test involves </span></div><div class=\"ps10739 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">both an absolute and relative movement threshold. An asset is considered to have been subjected to a significant increase in credit </span></div><div class=\"ps10740 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">risk if the appropriate PD has doubled relative to the value at origination and on an absolute basis has increased by more than 1%. </span></div><div class=\"ps10741 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Any asset with an original rating that is classified as investment grade will be judged to have had a significant movement if the new </span></div><div class=\"ps10742 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">PD would classify it as sub-investment grade and the equivalent rating has moved by more than three notches. </span></div><div class=\"ps10743 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group adopts the view that all financial assets that are more than 30 days past due have experienced a significant increase in </span></div><div class=\"ps10744 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">credit risk. </span></div><div class=\"ps10745 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Exposures move back to Stage 1 once they no longer meet the criteria above for a significant increase in credit risk and as cure </span></div><div class=\"ps10746 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">periods (specifically relating to forborne exposures) are\u00a0met. </span></div><div class=\"ps10747 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Stage 3</span></div><div class=\"ps10748 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets are included in Stage 3 when there is objective evidence of credit impairment. The Group assesses a loan as Stage </span></div><div class=\"ps10751 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">3 when contractual payments of </span><span class=\"f charStyle-7a1d24f9 ps10749\">either</span><span class=\"f charStyle-33e1c6d6 ps10750\"> principal or interest are past due for more than 90 days, the debtor is assessed as unlikely </span></div><div class=\"ps10752 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">to pay and credit impaired, or the loan is otherwise considered to be in default, for example, due to the appointment of an </span></div><div class=\"ps10753 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">administrator or the client is in receivership. Forborne loans that are considered non-performing, for example, if a loan is not </span></div><div class=\"ps10754 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">expected to meet the original contractual obligations in a reasonable time frame, will be classified as Stage 3. Loans which are 90 </span></div><div class=\"ps10755 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">days or more past due are considered to be in default.</span></div><div class=\"ps10756 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group applies the effective interest rate on Stage 3 assets to the amortised cost of the financial asset (i.e. gross carrying </span></div><div class=\"ps10757 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">amount less ECL allowance) instead of its gross carrying amount and incorporates the impact of the ECLs in estimated future cash </span></div><div class=\"ps10758 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">flows.</span></div><div class=\"ps10759 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Definition of default</span></div><div class=\"ps10760 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group has aligned the IFRS 9 and regulatory definitions of default, credit impaired and non-performing exposure. Assets that </span></div><div class=\"ps10761 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">are more than 90 days past due, or considered by management as unlikely to pay their obligations in full without realisation of </span></div><div class=\"ps10762 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">collateral are considered as exposures in default.</span></div><div class=\"ps10763 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">ECL calculation basis</span></div><div class=\"ps10764 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The assessment of credit risk and the estimation of ECL are required to be unbiased, probability-weighted and should incorporate </span></div><div class=\"ps10765 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">all available information relevant to the assessment, including information about past events, current conditions and reasonable and </span></div><div class=\"ps10766 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">supportable forecasts of economic conditions at the reporting date. In addition, the estimation of ECL should take into account the </span></div><div class=\"ps10767 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">time value of money. As a result, the recognition and measurement of impairment is intended to be forward\u2011looking and therefore, </span></div><div class=\"ps10768 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">potentially volatile.</span></div></div><div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Write-offs</span></div><div class=\"ps10770 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group has developed specific guidelines on write-off aimed at granting full compliance with IFRS 9 and the document </span></div><div class=\"ps10771 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">'Guidance to banks on non-performing loans' issued by the European Central Bank.</span></div><div class=\"ps10772 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">A loan or advance is written off in full against the related ECL impairment allowance when the entity has no reasonable </span></div><div class=\"ps10773 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">expectations of recovering a financial asset in its entirety or a portion thereof. This is assessed on a case-by-case basis with </span></div><div class=\"ps10774 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">considerations to indicators such as whether the exposure has been restructured or the given financial position of the borrower </span></div><div class=\"ps10775 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and guarantors. Any recoveries of amounts previously written off decrease the amount of impairment losses.</span></div><div class=\"ps10776 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Cured assets</span></div><div class=\"ps10777 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Loans and advances are regularly assessed to determine whether conditions which led to a significant increase in credit risk or </span></div><div class=\"ps10778 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">impairment still exist. Where applicable, the cured asset will move to the appropriate performing stage which reflects the re-</span></div><div class=\"ps10779 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">assessed credit risk in line with our Arrears, default and recovery (ADR) policy which is aligned to the applicable Regulatory </span></div><div class=\"ps10780 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">requirements.</span></div><div class=\"ps10781 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Process to determine ECL</span></div><div class=\"ps10782 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">ECL is calculated using three main components:<span class=\"f ps2\"> </span></span></div><div class=\"ps10783 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">A probability of default (PD)<span class=\"f ps2\"> </span></span></div><div class=\"ps10784 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">A loss given default (LGD)<span class=\"f ps2\"> </span></span></div><div class=\"ps10785 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">The exposure at default (EAD).<span class=\"f ps2\"> </span></span></div><div class=\"ps10786 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The 12-month and lifetime PDs represent the probability of a default occurring over the next 12 months or the lifetime of the </span></div><div class=\"ps10787 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">financial exposures, respectively, based on conditions existing at the balance sheet date and future forecast macro-economic </span></div><div class=\"ps10788 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">conditions that affect credit risk.</span></div><div class=\"ps10789 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The LGD represents losses expected on default, taking into account the mitigating effect of collateral and guarantees that are </span></div><div class=\"ps10790 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">integral to the instrument, the expected value when realised and the time value of money. The forecast value for the collateral is </span></div><div class=\"ps10791 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">also affected by the range of forward-looking, probability-weighted macro-economic scenarios. </span></div><div class=\"ps10792 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The EAD represents the expected balance at default, taking into account the repayment of principal and interest from the balance </span></div><div class=\"ps10793 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sheet date to the default event together with any expected drawdown of a committed facility. </span></div><div class=\"ps10794 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The calculation of the 12-month ECL is based on the 12-month PD and LGD along with the EAD and effective interest rate (EIR) for </span></div><div class=\"ps10795 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the asset. Lifetime ECL is calculated using the lifetime PD curve, and the appropriate LGDs and EADs, and discount rates using the </span></div><div class=\"ps10796 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">EIR for the remaining life of the financial asset.</span></div><div class=\"ps10797 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Expert judgement models or appropriate proxies for PDs are also utilised for certain portfolios where the ECL is found to be minimal, </span></div><div class=\"ps10798 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">either due to the portfolio\u2019s small relative size or the low default nature of these portfolios, such as cash and balances held at </span></div><div class=\"ps10799 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">central banks.</span></div><div class=\"ps10800 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Management adjustments are made to modelled output to account for situations where additional information and known or </span></div><div class=\"ps10801 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">expected risk factors have not been captured in the modelling process.</span></div><div class=\"ps10802 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Financial instruments held at fair value through profit or loss</span></div><div class=\"ps10803 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial instruments held at FVPL include all instruments classified as held for trading, those instruments designated as held at </span></div><div class=\"ps10804 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">FVPL, those financial assets which do not meet the criteria for amortised cost or FVOCI and derivative financial instruments.</span></div><div class=\"ps10805 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial instruments classified as FVPL are initially recorded at fair value on the balance sheet with changes in fair value </span></div><div class=\"ps10806 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">subsequently recognised in the income statement. Financial instruments are classified as held for trading when they are held with </span></div><div class=\"ps10807 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the intention of short-term disposal, held with the intention of generating short-term profit, or are derivatives which are not </span></div><div class=\"ps10808 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">designated as part of effective hedges. Financial instruments designated as held at FVPL are designated as such on initial </span></div><div class=\"ps10809 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recognition of the instrument and remain in this classification until derecognition. </span></div><div class=\"ps10810 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Changes in fair value of financial liabilities designated at fair value that are attributable to changes in own credit risk are recognised </span></div><div class=\"ps10811 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">in other comprehensive income. Any other changes in fair value are recognised in the income statement.</span></div><div class=\"ps10812 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Reclassification of financial instruments</span></div><div class=\"ps10813 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets are only reclassified where there has been a change in business model. Certain financial liabilities can be </span></div><div class=\"ps10814 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reclassified to equity.</span></div><div class=\"ps10815 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Modification of financial assets and liabilities</span></div><div class=\"ps10816 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Where the contractual terms of a financial asset or liability are renegotiated or otherwise modified in a way that is not considered to </span></div><div class=\"ps10817 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">be substantial, the gross carrying amount of the asset or liability is recalculated using the original effective interest rate where </span></div><div class=\"ps10818 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">applicable. The difference between the respective amounts is recognised as a modification gain or loss in the income statement. </span></div><div class=\"ps10819 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Where the modification is considered to be substantial, it is treated as a settlement of the original instrument and recognition of a </span></div><div class=\"ps10820 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">new instrument. The difference in the respective carrying amounts is recognised in the income statement.</span></div></div><div><div class=\"ps4165 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Derecognition of financial assets and liabilities</span></div><div class=\"ps5816 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">A financial asset, or a portion thereof, is derecognised when the Group\u2019s rights to cash flows have expired or when the Group has </span></div><div class=\"ps5817 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">transferred its rights to cash flows relating to the financial assets and either (a) the Group has transferred substantially all the risks </span></div><div class=\"ps5818 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and rewards associated with the financial assets or (b) the Group has neither transferred nor retained substantially all the risks and </span></div><div class=\"ps5819 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">rewards associated with the financial assets but has transferred control of the assets.</span></div><div class=\"ps10630 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">When the Group has neither transferred nor retained substantially all the risks and rewards and has retained control of the asset, </span></div><div class=\"ps10822 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the asset continues to be recognised only to the extent of the Group\u2019s continuing involvement, in which case, the Group also </span></div><div class=\"ps5822 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recognises an associated liability. The transferred asset and the associated liability are measured on a basis that reflects the rights </span></div><div class=\"ps5823 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and obligations that the Group has retained.</span></div><div class=\"ps10634 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">A financial liability is derecognised when it is extinguished, that is when the obligation is discharged, cancelled or expired. When an </span></div><div class=\"ps5825 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">existing financial liability is replaced or modified with substantially different terms, such a replacement or modification is treated as </span></div><div class=\"ps5826 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">a derecognition of the original liability and the recognition of a new liability. The difference in the respective carrying amounts is </span></div><div class=\"ps5827 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recognised in the income statement.</span></div><div class=\"ps10823 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Securitisation/credit investment and trading activities exposures</span></div><div class=\"ps10824 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group makes use of securitisation vehicles as a source of finance, as a means of risk transfer and to leverage returns through </span></div><div class=\"ps10825 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the retention of equity tranches in low default rate portfolios. The Group predominantly focuses on the securitisation of residential </span></div><div class=\"ps10826 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and commercial mortgages and lease receivables. The Group also trades in structured credit investments.</span></div><div class=\"ps10827 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The structured entities are consolidated under IFRS 10 Consolidated Financial Statements when the Group has exposure to or </span></div><div class=\"ps10828 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">rights to variable returns from its involvement with the investee and has the ability to affect those returns through its power over </span></div><div class=\"ps10829 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the investee.</span></div><div class=\"ps10830 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Certain loans and advances that are originated by the Group are transferred to structured entities, with the structured entities in </span></div><div class=\"ps10831 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">turn issuing debt securities to external investors to fund the purchase of the securitised assets. When the Group consolidates the </span></div><div class=\"ps10832 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">structured entity, the Group recognises the assets and liabilities on a gross basis. When the Group does not consolidate the </span></div><div class=\"ps10833 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">structured entity, the securitised assets are derecognised if the required criteria are met, and only any position still held by the </span></div><div class=\"ps5056 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group in the structured entity or retained interests in the assets is reflected.</span></div><div class=\"ps10834 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Day-one profit or loss</span></div><div class=\"ps10835 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">When the transaction price differs from the fair value of other observable current market transactions in the same instrument or </span></div><div class=\"ps10836 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">based on the valuation technique whose variables include only data from observable markets, the difference between the </span></div><div class=\"ps10837 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">transaction price and fair value is recognised immediately in the income statement. In cases where fair value is determined using </span></div><div class=\"ps10697 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">data which is not observable, the difference between the transaction price and model value is recognised in the income statement </span></div><div class=\"ps10698 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">when the inputs become observable, when the instrument is derecognised or over the life of the transaction, only to the extent that </span></div><div class=\"ps10699 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">it arises from a change in a factor (including time) that market participants would take into account when pricing the asset or </span></div><div class=\"ps10838 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">liability.</span></div><div class=\"ps10839 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Derivative instruments</span></div><div class=\"ps10840 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">All derivative instruments of the Group are recorded on the balance sheet at fair value. Positive and negative fair values are </span></div><div class=\"ps10841 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reported as assets and liabilities, respectively.</span></div><div class=\"ps10842 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Derivative positions are entered into either for trading purposes or as part of the Group\u2019s asset and liability balance sheet </span></div><div class=\"ps10843 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">management activities to manage exposures to foreign currency, interest rate and equity risks. Both realised and unrealised profit </span></div><div class=\"ps10844 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">or losses arising on derivatives are recognised in the income statement as part of trading income (other than circumstances in </span></div><div class=\"ps10845 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">which cash flow hedging is applied as detailed in the hedge accounting section below).</span></div><div class=\"ps10846 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Derivative instruments entered into as economic hedges which do not qualify for hedge accounting and derivatives that are </span></div><div class=\"ps10847 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">entered into for trading purposes are classified in the same way as instruments that are held-for-trading.</span></div><div class=\"ps10848 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Hedge accounting</span></div><div class=\"ps10849 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">When the Group first implemented IFRS 9 Financial Instruments, it made an election to continue to apply the hedge accounting <span class=\"f ps2\"> </span></span></div><div class=\"ps10850 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">requirements of IAS 39 as an accounting policy.<span class=\"f ps2\"> </span></span></div><div class=\"ps10851 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group applies either fair value, cash flow hedge or hedge of net investments in foreign operations accounting when the <span class=\"f ps2\"> </span></span></div><div class=\"ps10852 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">transactions meet the specified hedge accounting criteria.<span class=\"f ps2\"> </span></span></div><div class=\"ps10853 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">To qualify for hedge accounting treatment, the Group ensures that all of the following conditions are met: <span class=\"f ps2\"> </span></span></div><div class=\"ps10854 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">At inception of the hedge, the Group formally documents the relationship between the hedging instrument(s) and hedged item(s) <span class=\"f ps2\"> </span></span></div><div class=\"ps10855 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">including the risk management objectives and the strategy in undertaking the hedge transaction. Also at the inception of the <span class=\"f ps2\"> </span></span></div><div class=\"ps10856 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">hedge relationship, a formal assessment is undertaken to ensure the hedging instrument is expected to be highly effective in <span class=\"f ps2\"> </span></span></div><div class=\"ps10857 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">offsetting the designated risk in the hedged item. A hedge is expected to be highly effective if the changes in fair value or cash <span class=\"f ps2\"> </span></span></div><div class=\"ps10858 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">flows attributable to the hedged risk during the period for which the hedge is designated are expected to offset in a range of <span class=\"f ps2\"> </span></span></div><div class=\"ps10859 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">80% to 125%<span class=\"f ps2\"> </span></span></div><div class=\"ps10860 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">For cash flow hedges, a forecasted transaction that is the subject of the hedge must be highly probable and must present an <span class=\"f ps2\"> </span></span></div><div class=\"ps10861 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">exposure to variations in cash flows that could ultimately affect the income statement<span class=\"f ps2\"> </span></span></div><div class=\"ps10862 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">The effectiveness of the hedge can be reliably measured, i.e. the fair value or cash flows of the hedged item that are attributable <span class=\"f ps2\"> </span></span></div><div class=\"ps10863 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">to the hedged risk and the fair value of the hedging instrument can be reliably measured<span class=\"f ps2\"> </span></span></div></div><div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">The hedge effectiveness is assessed on an ongoing basis and determined actually to have been highly effective throughout the <span class=\"f ps2\"> </span></span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">financial reporting periods for which the hedge was designated.<span class=\"f ps2\"> </span></span></div><div class=\"ps7745 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For qualifying fair value hedges, the change in fair value of the hedging instrument is recognised in the income statement. Changes <span class=\"f ps2\"> </span></span></div><div class=\"ps6025 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">in fair value of the hedged item that are attributable to the hedged risk are also recognised in the income statement. Under micro <span class=\"f ps2\"> </span></span></div><div class=\"ps705 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">hedging, a corresponding adjustment is made to OCI where the hedged item is measured at FVOCI and to the carrying value of the <span class=\"f ps2\"> </span></span></div><div class=\"ps706 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">item itself for amortised cost items. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps1654\">For macro hedges of amortised cost items this adjustment is shown as a separate balance </span></div><div class=\"ps3314 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sheet line item.</span></div><div class=\"ps710 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For qualifying cash flow hedges in respect of non-financial assets and liabilities, the change in fair value of the hedging instrument </span></div><div class=\"ps712 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">relating to the effective portion is initially recognised directly in other comprehensive income in the cash flow hedge reserve and is </span></div><div class=\"ps3315 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">included in the initial cost of any asset/liability recognised or in all other cases released to the income statement when the hedged </span></div><div class=\"ps3316 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">firm commitment or forecasted transaction affects net profit. If the forecast transaction or firm commitment is no longer expected </span></div><div class=\"ps6373 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">to occur, the balance included in other comprehensive income is reclassified to the income statement immediately and recognised </span></div><div class=\"ps8274 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">in trading income from balance sheet management and other trading activities.</span></div><div class=\"ps6029 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For qualifying cash flow hedges in respect of financial assets and liabilities, the change in fair value of the hedging instrument that </span></div><div class=\"ps6374 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">represents an effective hedge is initially recognised in other comprehensive income and is reclassified to the income statement in </span></div><div class=\"ps7988 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the same period during which the relevant financial asset or liability affects the income statement. Any ineffective portion of the </span></div><div class=\"ps7990 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">hedge is immediately recognised in the income statement.</span></div><div class=\"ps6377 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For qualifying hedges of a net investment in a foreign operation, including a hedge of a monetary item that is accounted for as part </span></div><div class=\"ps6378 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of the net investment, are accounted for in a way similar to cash flow hedges. Changes in the fair value of the hedging instrument </span></div><div class=\"ps6379 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">relating to the effective portion of the hedge are recognised in other comprehensive income while any gains or losses relating to </span></div><div class=\"ps7995 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the ineffective portion are recognised in the income statement. On disposal of the foreign operation, the cumulative value of any </span></div><div class=\"ps7996 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">such gain or loss recorded in other comprehensive income is reclassified to the income statement.</span></div><div class=\"ps6382 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Hedge accounting is discontinued when it is determined that the hedging relationship ceases to meet the qualifying criteria, </span></div><div class=\"ps5212 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">including when the derivative expires, or is sold, terminated or exercised; when the hedged item matures or is sold or repaid; when </span></div><div class=\"ps6383 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">a forecasted transaction is no longer deemed highly probable or when the designation as a hedge is revoked.</span></div><div class=\"ps8261 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Sources of hedge ineffectiveness may arise from basis risk, including but not limited to the discount rates used for calculating the </span></div><div class=\"ps6385 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">fair value of derivatives, hedges using instruments with a non-nil fair value at the date of recognition, and notional and timing </span></div><div class=\"ps8000 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">differences between the hedged items and hedging instruments.</span></div><div class=\"ps10864 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Offsetting of financial assets and liabilities</span></div><div class=\"ps10865 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets and liabilities are offset when there is both an intention to settle on a net basis (or simultaneously) and a currently </span></div><div class=\"ps10866 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">enforceable legal right to offset exists.</span></div><div class=\"ps10867 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Issued debt and equity financial instruments</span></div><div class=\"ps10868 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial instruments issued by the Group are classified as liabilities if they contain a contractual obligation to deliver cash or </span></div><div class=\"ps10869 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">another financial asset.</span></div><div class=\"ps10870 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial instruments issued by the Group are classified as equity where they confer on the holder a residual interest in the Group, </span></div><div class=\"ps10871 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and the Group has no obligation to deliver either cash or another financial asset to the holder. The components of compound </span></div><div class=\"ps10872 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">issued financial instruments are accounted for separately with the liability component separated first and any residual amount </span></div><div class=\"ps10873 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">being allocated to the equity component.</span></div><div class=\"ps10874 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Equity instruments issued by subsidiaries of the Group are recorded as non-controlling interests on the balance sheet.</span></div><div class=\"ps10875 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Equity instruments are initially measured net of directly attributable issue costs.</span></div><div class=\"ps10876 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Treasury shares represent issued equity repurchased by the Group which have not been cancelled. Treasury shares are deducted </span></div><div class=\"ps10877 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">from shareholders\u2019 equity and are held at acquisition cost plus related transaction costs. Where treasury shares are subsequently </span></div><div class=\"ps10878 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sold or reissued, net proceeds received are included in shareholders\u2019 equity. Realised gains or losses on disposal are reflected </span></div><div class=\"ps10879 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">directly in retained income.</span></div><div class=\"ps6014 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Dividends on ordinary shares are recognised as a deduction from equity at the earlier of the payment date or the date that it is </span></div><div class=\"ps6015 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">approved by Investec plc.</span></div><div class=\"ps10880 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Non-sovereign and non-bank cash placements</span></div><div class=\"ps10881 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Non-sovereign and non-bank cash placements relates to overnight deposits placed with large corporate clients contractually </span></div><div class=\"ps10882 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">callable on demand. </span></div><div class=\"ps10883 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Sale and repurchase agreements (including securities borrowing and lending)</span></div><div class=\"ps10884 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Securities sold subject to a commitment to repurchase, at a fixed price or a selling price plus a lender\u2019s return, remain on-balance </span></div><div class=\"ps10885 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sheet as the requirements of derecognition have not been met. Proceeds received are recorded as a liability on the balance sheet </span></div><div class=\"ps10886 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">under \u2018repurchase agreements and cash collateral on securities lent\u2019. Securities that are purchased under a commitment to resell </span></div><div class=\"ps10887 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the securities at a future date are not recognised on the balance sheet. The consideration paid is recognised as an asset under </span></div><div class=\"ps10888 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2018reverse repurchase agreements and cash collateral on securities borrowed\u2019.</span></div><div class=\"ps10889 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Where financial instruments have been purchased at the same time as derivatives with the same counterparty, such that the </span></div><div class=\"ps10890 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">combined position has the economic substance of secured lending, an asset is recognised under \u2018reverse repurchase agreements </span></div><div class=\"ps10891 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and cash collateral on securities borrowed\u2019.</span></div></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The difference between the sale and repurchase prices is treated as interest and is accrued over the life of the agreement using </span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the effective interest method.</span></div><div class=\"ps7745 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Securities lending and borrowing transactions that are not cash collateralised do not result in recognition of securities borrowed or </span></div><div class=\"ps6025 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">derecognition of securities lent. Securities lending and borrowing transactions which are cash collateralised are accounted for in </span></div><div class=\"ps705 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the same manner as securities sold or purchased subject to repurchase commitments.</span></div><div class=\"ps80 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The cash collateral from agency-based scrip lending transactions is presented on a net basis where the master netting agreement </span></div><div class=\"ps707 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">provides for a legal right of offset and the intention is to settle net.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialAssetsExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-861": {
   "value": "<div class=\"ps10662 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Financial instruments</span></div><div class=\"ps10663 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial instruments are initially recognised at their fair value. For financial assets or financial liabilities not held at fair value </span></div><div class=\"ps10664 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">through profit or loss, transaction costs that are directly attributable to the acquisition or issue of the financial assets or financial </span></div><div class=\"ps7346 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">liabilities are included in the initial measurement. All other transaction costs are recorded in the income statement immediately. </span></div><div class=\"ps10665 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Regular way purchase and sales transactions in respect of financial assets that require delivery of a financial instrument within the </span></div><div class=\"ps10668 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">time frame established by market convention are recorded at </span><span class=\"f charStyle-33e1c6d6 ps10666\"> </span><span class=\"f charStyle-33e1c6d6 ps10667\">trade date.</span></div><div class=\"ps7349 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets are classified as at fair value through profit or loss (FVPL) if they are equity instruments or derivative instruments, <span class=\"f ps2\"> </span></span></div><div class=\"ps10669 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">while debt instruments are classified based on the business model and characteristics of related cash flows. Financial liabilities are <span class=\"f ps2\"> </span></span></div><div class=\"ps10670 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">classified as at amortised cost other than trading liabilities and derivative instruments, which are classified as at FVPL.<span class=\"f ps2\"> </span></span></div><div class=\"ps10671 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">However, the Group may make the following irrevocable election/designation at initial recognition of a financial asset on an asset-<span class=\"f ps2\"> </span></span></div><div class=\"ps10672 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">by-asset basis:<span class=\"f ps2\"> </span></span></div><div class=\"ps10673 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Elect to present subsequent changes in fair value of an equity investment that is neither held for trading nor contingent <span class=\"f ps2\"> </span></span></div><div class=\"ps10674 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">consideration recognised by an acquirer in a business combination to which IFRS 3 Business Combinations applies, in OCI<span class=\"f ps2\"> </span></span></div><div class=\"ps10675 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">A debt instrument that meets the amortised cost or FVOCI criteria as measured at FVPL if doing so eliminates or significantly <span class=\"f ps2\"> </span></span></div><div class=\"ps10676 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">reduces an accounting mismatch (referred to as the fair value option).<span class=\"f ps2\"> </span></span></div><div class=\"ps10677 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial liabilities may also be designated as at FVPL when doing so results in more relevant information, because either it <span class=\"f ps2\"> </span></span></div><div class=\"ps10678 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">eliminates or significantly reduces a measurement or recognition inconsistency that would otherwise arise from measuring assets <span class=\"f ps2\"> </span></span></div><div class=\"ps10679 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">or liabilities or recognising the gains and losses on them on different bases; or a group of financial liabilities or financial assets and <span class=\"f ps2\"> </span></span></div><div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">financial liabilities is managed and its performance is evaluated on a fair value basis. In addition, where a financial liability contract <span class=\"f ps2\"> </span></span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">contains one or more embedded derivatives (which significantly modifies the cash flows that would be required by the contract <span class=\"f ps2\"> </span></span></div><div class=\"ps701 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and is not clearly prohibited from separation from the host contract), the Group may designate the entire hybrid contract as a <span class=\"f ps2\"> </span></span></div><div class=\"ps702 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">financial instrument at FVPL.<span class=\"f ps2\"> </span></span></div><div class=\"ps705 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Debt instruments are typically designated at fair value when they incur interest at a fixed rate. The Group enters into derivatives <span class=\"f ps2\"> </span></span></div><div class=\"ps706 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">based on the contractual or behavioural term of the instruments, as appropriate, to protect against movements in market interest <span class=\"f ps2\"> </span></span></div><div class=\"ps3314 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">rates as an economic hedge, therefore the designation allows for the elimination of an accounting mismatch arising on fair value <span class=\"f ps2\"> </span></span></div><div class=\"ps6371 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">movements on these derivatives.<span class=\"f ps2\"> </span></span></div><div class=\"ps10681 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Business model assessment</span></div><div class=\"ps10634 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For financial assets, IFRS 9 Financial Instruments requires that a business model assessment is carried out which reflects how the </span></div><div class=\"ps5825 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group manages the assets in order to generate cash flows. The assessment is at a portfolio level, being the level at which a group </span></div><div class=\"ps5826 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of investments is managed. Factors considered by the Group in determining the business model for a portfolio include past </span></div><div class=\"ps5827 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">experience on how the cash flows for these assets were collected, how the assets\u2019 performance is evaluated and reported and </span></div><div class=\"ps5828 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">how risks are assessed and managed.</span></div><div class=\"ps5829 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The standard sets out different types of business models that dictate the classification in instances where the cash flows meet the </span></div><div class=\"ps10682 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">SPPI test.</span></div><div class=\"ps5831 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">\u25aa<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps461\">Hold to collect:</span><span class=\"f charStyle-8925e50a ps10683\"> </span><span class=\"f charStyle-33e1c6d6 ps10684\">it is intended to hold the asset to maturity to earn interest, collecting repayments of principal and interest from </span></div><div class=\"ps5832 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">the customer. These assets are accounted for at amortised cost</span></div><div class=\"ps10686 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">\u25aa<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps461\">Hold to collect and sell:</span><span class=\"f charStyle-33e1c6d6 ps10685\"> this model is similar to the hold to collect model, except that the entity may elect to sell some or\u00a0all of </span></div><div class=\"ps10687 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">the assets before maturity to achieve the objectives of the business model. These assets are accounted for at FVOCI</span></div><div class=\"ps10689 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">\u25aa<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps461\">Hold to sell/managed on a fair value basis:</span><span class=\"f charStyle-33e1c6d6 ps10688\"> the entity originates or purchases an asset with the intention of disposing of it in the </span></div><div class=\"ps10690 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">short or medium term to benefit from capital appreciation or the portfolio is managed on a fair value basis. These assets are </span></div><div class=\"ps10691 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">accounted for at FVPL.</span></div><div class=\"ps10692 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Financial instruments measured at amortised cost</span></div><div class=\"ps10693 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets that are debt instruments are held to collect the contractual cash flows and that contain contractual terms that </span></div><div class=\"ps10694 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">give rise to cash flows that are solely payments of principal and interest, such as most loans and advances to banks and customers </span></div><div class=\"ps10695 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and some debt securities, are measured at amortised cost. In addition, most financial liabilities are measured at amortised cost. </span></div><div class=\"ps10696 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Financial assets measured at fair value through other comprehensive income (FVOCI)</span></div><div class=\"ps10697 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets held for a business model that is achieved by both collecting contractual cash flows and selling and that contain </span></div><div class=\"ps10698 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">contractual terms that give rise on specified dates to cash flows that are solely payments of principal and interest are measured at </span></div><div class=\"ps10699 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">FVOCI. </span></div><div class=\"ps10700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">They are subsequently remeasured at fair value and changes therein (except for those relating to impairment, interest income and </span></div><div class=\"ps10701 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">foreign currency exchange gains and losses) are recognised in other comprehensive income until the assets are sold. Upon </span></div><div class=\"ps10702 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">disposal, the cumulative gains or losses in other comprehensive income are recognised in the income statement in investment </span></div><div class=\"ps10703 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">income.</span></div><div class=\"ps10704 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets measured at FVOCI are included in the impairment calculations and impairment is recognised in profit or loss.</span></div><div class=\"ps10705 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group measures equity instruments at FVOCI when it considers the investments to be strategic or held for long-term dividend </span></div><div class=\"ps10706 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">yield. The equity instruments are not held for trading. Gains and losses on financial assets that are equity instruments are never </span></div><div class=\"ps10707 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recycled to the income statement. Dividends are recognised in the income statement within investment income when the right of </span></div><div class=\"ps10708 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the payment has been established. Equity instruments at FVOCI are not subject to an impairment assessment.</span></div><div class=\"ps10709 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Financial guarantees and commitments</span></div><div class=\"ps10710 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial guarantee contracts issued by the Group are those contracts that require a payment to be made to reimburse the holder </span></div><div class=\"ps10711 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">for a loss it incurs because the specified debtor fails to make a payment when due, in accordance with the terms of a debt </span></div><div class=\"ps10712 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">instrument. Financial guarantees issued by the Group are not classified as insurance contracts and are initially recognised at fair </span></div><div class=\"ps10713 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">value.</span></div><div class=\"ps10714 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Subsequent to initial recognition, the liability under each guarantee is measured at the higher of the amount initially recognised less </span></div><div class=\"ps10715 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the cumulative amount of income recognised in accordance with IFRS 15 Revenue from Contracts with Customers, and the best </span></div><div class=\"ps10716 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">estimate of expected credit loss (ECL) calculated for the financial guarantee. Subsequent to initial measurement, all changes in the </span></div><div class=\"ps10717 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">balance sheet carrying value are recognised in the income statement.</span></div><div class=\"ps10718 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group may commit to provide a loan which has not yet been drawn. When the loan that arises from the lending commitment is </span></div><div class=\"ps10719 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">expected to meet the criteria to be measured at amortised cost or FVOCI, the undrawn commitment is also considered to be in the </span></div><div class=\"ps10720 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">scope of the ECL measurement model. </span></div></div><div><div class=\"ps4165 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Impairment of financial assets held at amortised cost or FVOCI</span></div><div class=\"ps5816 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">At each balance sheet date, each financial asset or portfolio of advances categorised at amortised cost or at FVOCI, issued </span></div><div class=\"ps5817 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">financial guarantee and loan commitment is measured for ECL impairment. The costs of loss allowances on assets held at </span></div><div class=\"ps5818 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">amortised cost and at FVOCI are presented as \u2018expected credit loss impairment (charges)/release\u2019 in the income statement. </span></div><div class=\"ps5819 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Allowances in respect of financial guarantees and loan commitments are presented as other liabilities and charges recorded within </span></div><div class=\"ps5820 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the same line the in income statement. Financial assets held at amortised cost are presented net of allowances, except where the </span></div><div class=\"ps5821 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">asset has been wholly or partially written off.</span><span class=\"f charStyle-33e1c6d6 ps10723\">\u00a0 </span></div><div class=\"ps5822 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Stage 1</span></div><div class=\"ps5986 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets that are considered performing and have not had a significant increase in credit risk are reported as Stage 1 assets. </span></div><div class=\"ps5987 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Stage 1 financial assets have loss allowances measured at an amount equal to a 12-month ECL.</span></div><div class=\"ps10724 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Stage 2</span></div><div class=\"ps10725 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets are considered to be in Stage 2 when their credit risk has increased significantly since initial recognition. A\u00a0loss </span></div><div class=\"ps10726 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">allowance equivalent to a lifetime ECL is required to\u00a0be\u00a0held.</span></div><div class=\"ps10727 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group\u2019s primary indicator for Stage 2 assets are distressed loans, potential problem loans and exposures in arrears that require </span></div><div class=\"ps10728 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">additional attention and supervision from watchlist committees and are under management review.</span></div><div class=\"ps10729 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Assets in forbearance are considered to be, at a minimum, Stage 2. Forbearance measures refer to concessions such </span></div><div class=\"ps10730 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">as\u00a0modification of the terms and conditions or refinancing that\u00a0has been granted to a debtor in financial difficulty. These\u00a0exposures </span></div><div class=\"ps10731 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">are assessed on a case-by-case basis to\u00a0determine whether the proposed modifications will be considered as forbearance. Where </span></div><div class=\"ps10732 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the Credit Committee considers it likely that the client will be able to return to perform against the original contractual obligations </span></div><div class=\"ps10733 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">within a reasonable time frame these assets will be considered performing and in\u00a0Stage 2. Forbearance is distinguished from </span></div><div class=\"ps10734 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">commercial renegotiations which take place as part of normal business activity and standard banking practice.</span></div><div class=\"ps10735 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In addition to loans under management review, an asset may also move from Stage 1 to Stage 2 if the model calculated probability </span></div><div class=\"ps10736 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of default (PD) has significantly increased since origination. This is tested on both a relative and absolute basis to assess whether a </span></div><div class=\"ps10737 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">significant deterioration in lifetime risk of default has occurred.</span></div><div class=\"ps10738 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">There is a common definition across the Bank\u2019s exposures regarding what constitutes a significant PD movement. The test involves </span></div><div class=\"ps10739 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">both an absolute and relative movement threshold. An asset is considered to have been subjected to a significant increase in credit </span></div><div class=\"ps10740 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">risk if the appropriate PD has doubled relative to the value at origination and on an absolute basis has increased by more than 1%. </span></div><div class=\"ps10741 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Any asset with an original rating that is classified as investment grade will be judged to have had a significant movement if the new </span></div><div class=\"ps10742 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">PD would classify it as sub-investment grade and the equivalent rating has moved by more than three notches. </span></div><div class=\"ps10743 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group adopts the view that all financial assets that are more than 30 days past due have experienced a significant increase in </span></div><div class=\"ps10744 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">credit risk. </span></div><div class=\"ps10745 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Exposures move back to Stage 1 once they no longer meet the criteria above for a significant increase in credit risk and as cure </span></div><div class=\"ps10746 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">periods (specifically relating to forborne exposures) are\u00a0met. </span></div><div class=\"ps10747 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Stage 3</span></div><div class=\"ps10748 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets are included in Stage 3 when there is objective evidence of credit impairment. The Group assesses a loan as Stage </span></div><div class=\"ps10751 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">3 when contractual payments of </span><span class=\"f charStyle-7a1d24f9 ps10749\">either</span><span class=\"f charStyle-33e1c6d6 ps10750\"> principal or interest are past due for more than 90 days, the debtor is assessed as unlikely </span></div><div class=\"ps10752 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">to pay and credit impaired, or the loan is otherwise considered to be in default, for example, due to the appointment of an </span></div><div class=\"ps10753 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">administrator or the client is in receivership. Forborne loans that are considered non-performing, for example, if a loan is not </span></div><div class=\"ps10754 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">expected to meet the original contractual obligations in a reasonable time frame, will be classified as Stage 3. Loans which are 90 </span></div><div class=\"ps10755 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">days or more past due are considered to be in default.</span></div><div class=\"ps10756 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group applies the effective interest rate on Stage 3 assets to the amortised cost of the financial asset (i.e. gross carrying </span></div><div class=\"ps10757 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">amount less ECL allowance) instead of its gross carrying amount and incorporates the impact of the ECLs in estimated future cash </span></div><div class=\"ps10758 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">flows.</span></div><div class=\"ps10759 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Definition of default</span></div><div class=\"ps10760 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group has aligned the IFRS 9 and regulatory definitions of default, credit impaired and non-performing exposure. Assets that </span></div><div class=\"ps10761 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">are more than 90 days past due, or considered by management as unlikely to pay their obligations in full without realisation of </span></div><div class=\"ps10762 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">collateral are considered as exposures in default.</span></div><div class=\"ps10763 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">ECL calculation basis</span></div><div class=\"ps10764 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The assessment of credit risk and the estimation of ECL are required to be unbiased, probability-weighted and should incorporate </span></div><div class=\"ps10765 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">all available information relevant to the assessment, including information about past events, current conditions and reasonable and </span></div><div class=\"ps10766 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">supportable forecasts of economic conditions at the reporting date. In addition, the estimation of ECL should take into account the </span></div><div class=\"ps10767 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">time value of money. As a result, the recognition and measurement of impairment is intended to be forward\u2011looking and therefore, </span></div><div class=\"ps10768 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">potentially volatile.</span></div></div><div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Write-offs</span></div><div class=\"ps10770 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group has developed specific guidelines on write-off aimed at granting full compliance with IFRS 9 and the document </span></div><div class=\"ps10771 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">'Guidance to banks on non-performing loans' issued by the European Central Bank.</span></div><div class=\"ps10772 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">A loan or advance is written off in full against the related ECL impairment allowance when the entity has no reasonable </span></div><div class=\"ps10773 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">expectations of recovering a financial asset in its entirety or a portion thereof. This is assessed on a case-by-case basis with </span></div><div class=\"ps10774 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">considerations to indicators such as whether the exposure has been restructured or the given financial position of the borrower </span></div><div class=\"ps10775 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and guarantors. Any recoveries of amounts previously written off decrease the amount of impairment losses.</span></div><div class=\"ps10776 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Cured assets</span></div><div class=\"ps10777 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Loans and advances are regularly assessed to determine whether conditions which led to a significant increase in credit risk or </span></div><div class=\"ps10778 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">impairment still exist. Where applicable, the cured asset will move to the appropriate performing stage which reflects the re-</span></div><div class=\"ps10779 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">assessed credit risk in line with our Arrears, default and recovery (ADR) policy which is aligned to the applicable Regulatory </span></div><div class=\"ps10780 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">requirements.</span></div><div class=\"ps10781 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Process to determine ECL</span></div><div class=\"ps10782 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">ECL is calculated using three main components:<span class=\"f ps2\"> </span></span></div><div class=\"ps10783 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">A probability of default (PD)<span class=\"f ps2\"> </span></span></div><div class=\"ps10784 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">A loss given default (LGD)<span class=\"f ps2\"> </span></span></div><div class=\"ps10785 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">The exposure at default (EAD).<span class=\"f ps2\"> </span></span></div><div class=\"ps10786 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The 12-month and lifetime PDs represent the probability of a default occurring over the next 12 months or the lifetime of the </span></div><div class=\"ps10787 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">financial exposures, respectively, based on conditions existing at the balance sheet date and future forecast macro-economic </span></div><div class=\"ps10788 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">conditions that affect credit risk.</span></div><div class=\"ps10789 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The LGD represents losses expected on default, taking into account the mitigating effect of collateral and guarantees that are </span></div><div class=\"ps10790 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">integral to the instrument, the expected value when realised and the time value of money. The forecast value for the collateral is </span></div><div class=\"ps10791 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">also affected by the range of forward-looking, probability-weighted macro-economic scenarios. </span></div><div class=\"ps10792 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The EAD represents the expected balance at default, taking into account the repayment of principal and interest from the balance </span></div><div class=\"ps10793 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sheet date to the default event together with any expected drawdown of a committed facility. </span></div><div class=\"ps10794 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The calculation of the 12-month ECL is based on the 12-month PD and LGD along with the EAD and effective interest rate (EIR) for </span></div><div class=\"ps10795 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the asset. Lifetime ECL is calculated using the lifetime PD curve, and the appropriate LGDs and EADs, and discount rates using the </span></div><div class=\"ps10796 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">EIR for the remaining life of the financial asset.</span></div><div class=\"ps10797 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Expert judgement models or appropriate proxies for PDs are also utilised for certain portfolios where the ECL is found to be minimal, </span></div><div class=\"ps10798 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">either due to the portfolio\u2019s small relative size or the low default nature of these portfolios, such as cash and balances held at </span></div><div class=\"ps10799 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">central banks.</span></div><div class=\"ps10800 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Management adjustments are made to modelled output to account for situations where additional information and known or </span></div><div class=\"ps10801 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">expected risk factors have not been captured in the modelling process.</span></div><div class=\"ps10802 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Financial instruments held at fair value through profit or loss</span></div><div class=\"ps10803 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial instruments held at FVPL include all instruments classified as held for trading, those instruments designated as held at </span></div><div class=\"ps10804 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">FVPL, those financial assets which do not meet the criteria for amortised cost or FVOCI and derivative financial instruments.</span></div><div class=\"ps10805 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial instruments classified as FVPL are initially recorded at fair value on the balance sheet with changes in fair value </span></div><div class=\"ps10806 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">subsequently recognised in the income statement. Financial instruments are classified as held for trading when they are held with </span></div><div class=\"ps10807 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the intention of short-term disposal, held with the intention of generating short-term profit, or are derivatives which are not </span></div><div class=\"ps10808 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">designated as part of effective hedges. Financial instruments designated as held at FVPL are designated as such on initial </span></div><div class=\"ps10809 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recognition of the instrument and remain in this classification until derecognition. </span></div><div class=\"ps10810 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Changes in fair value of financial liabilities designated at fair value that are attributable to changes in own credit risk are recognised </span></div><div class=\"ps10811 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">in other comprehensive income. Any other changes in fair value are recognised in the income statement.</span></div><div class=\"ps10812 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Reclassification of financial instruments</span></div><div class=\"ps10813 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets are only reclassified where there has been a change in business model. Certain financial liabilities can be </span></div><div class=\"ps10814 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reclassified to equity.</span></div><div class=\"ps10815 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Modification of financial assets and liabilities</span></div><div class=\"ps10816 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Where the contractual terms of a financial asset or liability are renegotiated or otherwise modified in a way that is not considered to </span></div><div class=\"ps10817 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">be substantial, the gross carrying amount of the asset or liability is recalculated using the original effective interest rate where </span></div><div class=\"ps10818 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">applicable. The difference between the respective amounts is recognised as a modification gain or loss in the income statement. </span></div><div class=\"ps10819 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Where the modification is considered to be substantial, it is treated as a settlement of the original instrument and recognition of a </span></div><div class=\"ps10820 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">new instrument. The difference in the respective carrying amounts is recognised in the income statement.</span></div></div><div><div class=\"ps4165 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Derecognition of financial assets and liabilities</span></div><div class=\"ps5816 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">A financial asset, or a portion thereof, is derecognised when the Group\u2019s rights to cash flows have expired or when the Group has </span></div><div class=\"ps5817 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">transferred its rights to cash flows relating to the financial assets and either (a) the Group has transferred substantially all the risks </span></div><div class=\"ps5818 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and rewards associated with the financial assets or (b) the Group has neither transferred nor retained substantially all the risks and </span></div><div class=\"ps5819 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">rewards associated with the financial assets but has transferred control of the assets.</span></div><div class=\"ps10630 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">When the Group has neither transferred nor retained substantially all the risks and rewards and has retained control of the asset, </span></div><div class=\"ps10822 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the asset continues to be recognised only to the extent of the Group\u2019s continuing involvement, in which case, the Group also </span></div><div class=\"ps5822 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recognises an associated liability. The transferred asset and the associated liability are measured on a basis that reflects the rights </span></div><div class=\"ps5823 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and obligations that the Group has retained.</span></div><div class=\"ps10634 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">A financial liability is derecognised when it is extinguished, that is when the obligation is discharged, cancelled or expired. When an </span></div><div class=\"ps5825 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">existing financial liability is replaced or modified with substantially different terms, such a replacement or modification is treated as </span></div><div class=\"ps5826 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">a derecognition of the original liability and the recognition of a new liability. The difference in the respective carrying amounts is </span></div><div class=\"ps5827 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recognised in the income statement.</span></div><div class=\"ps10823 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Securitisation/credit investment and trading activities exposures</span></div><div class=\"ps10824 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group makes use of securitisation vehicles as a source of finance, as a means of risk transfer and to leverage returns through </span></div><div class=\"ps10825 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the retention of equity tranches in low default rate portfolios. The Group predominantly focuses on the securitisation of residential </span></div><div class=\"ps10826 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and commercial mortgages and lease receivables. The Group also trades in structured credit investments.</span></div><div class=\"ps10827 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The structured entities are consolidated under IFRS 10 Consolidated Financial Statements when the Group has exposure to or </span></div><div class=\"ps10828 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">rights to variable returns from its involvement with the investee and has the ability to affect those returns through its power over </span></div><div class=\"ps10829 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the investee.</span></div><div class=\"ps10830 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Certain loans and advances that are originated by the Group are transferred to structured entities, with the structured entities in </span></div><div class=\"ps10831 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">turn issuing debt securities to external investors to fund the purchase of the securitised assets. When the Group consolidates the </span></div><div class=\"ps10832 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">structured entity, the Group recognises the assets and liabilities on a gross basis. When the Group does not consolidate the </span></div><div class=\"ps10833 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">structured entity, the securitised assets are derecognised if the required criteria are met, and only any position still held by the </span></div><div class=\"ps5056 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group in the structured entity or retained interests in the assets is reflected.</span></div><div class=\"ps10834 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Day-one profit or loss</span></div><div class=\"ps10835 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">When the transaction price differs from the fair value of other observable current market transactions in the same instrument or </span></div><div class=\"ps10836 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">based on the valuation technique whose variables include only data from observable markets, the difference between the </span></div><div class=\"ps10837 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">transaction price and fair value is recognised immediately in the income statement. In cases where fair value is determined using </span></div><div class=\"ps10697 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">data which is not observable, the difference between the transaction price and model value is recognised in the income statement </span></div><div class=\"ps10698 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">when the inputs become observable, when the instrument is derecognised or over the life of the transaction, only to the extent that </span></div><div class=\"ps10699 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">it arises from a change in a factor (including time) that market participants would take into account when pricing the asset or </span></div><div class=\"ps10838 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">liability.</span></div><div class=\"ps10839 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Derivative instruments</span></div><div class=\"ps10840 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">All derivative instruments of the Group are recorded on the balance sheet at fair value. Positive and negative fair values are </span></div><div class=\"ps10841 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reported as assets and liabilities, respectively.</span></div><div class=\"ps10842 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Derivative positions are entered into either for trading purposes or as part of the Group\u2019s asset and liability balance sheet </span></div><div class=\"ps10843 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">management activities to manage exposures to foreign currency, interest rate and equity risks. Both realised and unrealised profit </span></div><div class=\"ps10844 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">or losses arising on derivatives are recognised in the income statement as part of trading income (other than circumstances in </span></div><div class=\"ps10845 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">which cash flow hedging is applied as detailed in the hedge accounting section below).</span></div><div class=\"ps10846 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Derivative instruments entered into as economic hedges which do not qualify for hedge accounting and derivatives that are </span></div><div class=\"ps10847 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">entered into for trading purposes are classified in the same way as instruments that are held-for-trading.</span></div><div class=\"ps10848 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Hedge accounting</span></div><div class=\"ps10849 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">When the Group first implemented IFRS 9 Financial Instruments, it made an election to continue to apply the hedge accounting <span class=\"f ps2\"> </span></span></div><div class=\"ps10850 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">requirements of IAS 39 as an accounting policy.<span class=\"f ps2\"> </span></span></div><div class=\"ps10851 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group applies either fair value, cash flow hedge or hedge of net investments in foreign operations accounting when the <span class=\"f ps2\"> </span></span></div><div class=\"ps10852 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">transactions meet the specified hedge accounting criteria.<span class=\"f ps2\"> </span></span></div><div class=\"ps10853 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">To qualify for hedge accounting treatment, the Group ensures that all of the following conditions are met: <span class=\"f ps2\"> </span></span></div><div class=\"ps10854 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">At inception of the hedge, the Group formally documents the relationship between the hedging instrument(s) and hedged item(s) <span class=\"f ps2\"> </span></span></div><div class=\"ps10855 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">including the risk management objectives and the strategy in undertaking the hedge transaction. Also at the inception of the <span class=\"f ps2\"> </span></span></div><div class=\"ps10856 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">hedge relationship, a formal assessment is undertaken to ensure the hedging instrument is expected to be highly effective in <span class=\"f ps2\"> </span></span></div><div class=\"ps10857 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">offsetting the designated risk in the hedged item. A hedge is expected to be highly effective if the changes in fair value or cash <span class=\"f ps2\"> </span></span></div><div class=\"ps10858 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">flows attributable to the hedged risk during the period for which the hedge is designated are expected to offset in a range of <span class=\"f ps2\"> </span></span></div><div class=\"ps10859 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">80% to 125%<span class=\"f ps2\"> </span></span></div><div class=\"ps10860 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">For cash flow hedges, a forecasted transaction that is the subject of the hedge must be highly probable and must present an <span class=\"f ps2\"> </span></span></div><div class=\"ps10861 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">exposure to variations in cash flows that could ultimately affect the income statement<span class=\"f ps2\"> </span></span></div><div class=\"ps10862 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">The effectiveness of the hedge can be reliably measured, i.e. the fair value or cash flows of the hedged item that are attributable <span class=\"f ps2\"> </span></span></div><div class=\"ps10863 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">to the hedged risk and the fair value of the hedging instrument can be reliably measured<span class=\"f ps2\"> </span></span></div></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">The hedge effectiveness is assessed on an ongoing basis and determined actually to have been highly effective throughout the <span class=\"f ps2\"> </span></span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">financial reporting periods for which the hedge was designated.<span class=\"f ps2\"> </span></span></div><div class=\"ps7745 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For qualifying fair value hedges, the change in fair value of the hedging instrument is recognised in the income statement. Changes <span class=\"f ps2\"> </span></span></div><div class=\"ps6025 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">in fair value of the hedged item that are attributable to the hedged risk are also recognised in the income statement. Under micro <span class=\"f ps2\"> </span></span></div><div class=\"ps705 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">hedging, a corresponding adjustment is made to OCI where the hedged item is measured at FVOCI and to the carrying value of the <span class=\"f ps2\"> </span></span></div><div class=\"ps706 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">item itself for amortised cost items. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps1654\">For macro hedges of amortised cost items this adjustment is shown as a separate balance </span></div><div class=\"ps3314 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sheet line item.</span></div><div class=\"ps710 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For qualifying cash flow hedges in respect of non-financial assets and liabilities, the change in fair value of the hedging instrument </span></div><div class=\"ps712 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">relating to the effective portion is initially recognised directly in other comprehensive income in the cash flow hedge reserve and is </span></div><div class=\"ps3315 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">included in the initial cost of any asset/liability recognised or in all other cases released to the income statement when the hedged </span></div><div class=\"ps3316 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">firm commitment or forecasted transaction affects net profit. If the forecast transaction or firm commitment is no longer expected </span></div><div class=\"ps6373 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">to occur, the balance included in other comprehensive income is reclassified to the income statement immediately and recognised </span></div><div class=\"ps8274 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">in trading income from balance sheet management and other trading activities.</span></div><div class=\"ps6029 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For qualifying cash flow hedges in respect of financial assets and liabilities, the change in fair value of the hedging instrument that </span></div><div class=\"ps6374 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">represents an effective hedge is initially recognised in other comprehensive income and is reclassified to the income statement in </span></div><div class=\"ps7988 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the same period during which the relevant financial asset or liability affects the income statement. Any ineffective portion of the </span></div><div class=\"ps7990 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">hedge is immediately recognised in the income statement.</span></div><div class=\"ps6377 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For qualifying hedges of a net investment in a foreign operation, including a hedge of a monetary item that is accounted for as part </span></div><div class=\"ps6378 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of the net investment, are accounted for in a way similar to cash flow hedges. Changes in the fair value of the hedging instrument </span></div><div class=\"ps6379 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">relating to the effective portion of the hedge are recognised in other comprehensive income while any gains or losses relating to </span></div><div class=\"ps7995 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the ineffective portion are recognised in the income statement. On disposal of the foreign operation, the cumulative value of any </span></div><div class=\"ps7996 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">such gain or loss recorded in other comprehensive income is reclassified to the income statement.</span></div><div class=\"ps6382 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Hedge accounting is discontinued when it is determined that the hedging relationship ceases to meet the qualifying criteria, </span></div><div class=\"ps5212 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">including when the derivative expires, or is sold, terminated or exercised; when the hedged item matures or is sold or repaid; when </span></div><div class=\"ps6383 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">a forecasted transaction is no longer deemed highly probable or when the designation as a hedge is revoked.</span></div><div class=\"ps8261 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Sources of hedge ineffectiveness may arise from basis risk, including but not limited to the discount rates used for calculating the </span></div><div class=\"ps6385 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">fair value of derivatives, hedges using instruments with a non-nil fair value at the date of recognition, and notional and timing </span></div><div class=\"ps8000 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">differences between the hedged items and hedging instruments.</span></div><div class=\"ps10864 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Offsetting of financial assets and liabilities</span></div><div class=\"ps10865 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets and liabilities are offset when there is both an intention to settle on a net basis (or simultaneously) and a currently </span></div><div class=\"ps10866 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">enforceable legal right to offset exists.</span></div><div class=\"ps10867 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Issued debt and equity financial instruments</span></div><div class=\"ps10868 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial instruments issued by the Group are classified as liabilities if they contain a contractual obligation to deliver cash or </span></div><div class=\"ps10869 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">another financial asset.</span></div><div class=\"ps10870 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial instruments issued by the Group are classified as equity where they confer on the holder a residual interest in the Group, </span></div><div class=\"ps10871 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and the Group has no obligation to deliver either cash or another financial asset to the holder. The components of compound </span></div><div class=\"ps10872 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">issued financial instruments are accounted for separately with the liability component separated first and any residual amount </span></div><div class=\"ps10873 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">being allocated to the equity component.</span></div><div class=\"ps10874 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Equity instruments issued by subsidiaries of the Group are recorded as non-controlling interests on the balance sheet.</span></div><div class=\"ps10875 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Equity instruments are initially measured net of directly attributable issue costs.</span></div><div class=\"ps10876 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Treasury shares represent issued equity repurchased by the Group which have not been cancelled. Treasury shares are deducted </span></div><div class=\"ps10877 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">from shareholders\u2019 equity and are held at acquisition cost plus related transaction costs. Where treasury shares are subsequently </span></div><div class=\"ps10878 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sold or reissued, net proceeds received are included in shareholders\u2019 equity. Realised gains or losses on disposal are reflected </span></div><div class=\"ps10879 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">directly in retained income.</span></div><div class=\"ps6014 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Dividends on ordinary shares are recognised as a deduction from equity at the earlier of the payment date or the date that it is </span></div><div class=\"ps6015 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">approved by Investec plc.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentsOtherThanInvestmentsAccountedForUsingEquityMethodExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-864": {
   "value": "<div class=\"ps10709 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Financial guarantees and commitments</span></div><div class=\"ps10710 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial guarantee contracts issued by the Group are those contracts that require a payment to be made to reimburse the holder </span></div><div class=\"ps10711 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">for a loss it incurs because the specified debtor fails to make a payment when due, in accordance with the terms of a debt </span></div><div class=\"ps10712 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">instrument. Financial guarantees issued by the Group are not classified as insurance contracts and are initially recognised at fair </span></div><div class=\"ps10713 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">value.</span></div><div class=\"ps10714 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Subsequent to initial recognition, the liability under each guarantee is measured at the higher of the amount initially recognised less </span></div><div class=\"ps10715 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the cumulative amount of income recognised in accordance with IFRS 15 Revenue from Contracts with Customers, and the best </span></div><div class=\"ps10716 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">estimate of expected credit loss (ECL) calculated for the financial guarantee. Subsequent to initial measurement, all changes in the </span></div><div class=\"ps10717 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">balance sheet carrying value are recognised in the income statement.</span></div><div class=\"ps10718 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group may commit to provide a loan which has not yet been drawn. When the loan that arises from the lending commitment is </span></div><div class=\"ps10719 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">expected to meet the criteria to be measured at amortised cost or FVOCI, the undrawn commitment is also considered to be in the </span></div>scope of the ECL measurement model.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialGuaranteesExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-865": {
   "value": "<div><div class=\"ps4165 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Impairment of financial assets held at amortised cost or FVOCI</span></div><div class=\"ps5816 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">At each balance sheet date, each financial asset or portfolio of advances categorised at amortised cost or at FVOCI, issued </span></div><div class=\"ps5817 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">financial guarantee and loan commitment is measured for ECL impairment. The costs of loss allowances on assets held at </span></div><div class=\"ps5818 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">amortised cost and at FVOCI are presented as \u2018expected credit loss impairment (charges)/release\u2019 in the income statement. </span></div><div class=\"ps5819 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Allowances in respect of financial guarantees and loan commitments are presented as other liabilities and charges recorded within </span></div><div class=\"ps5820 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the same line the in income statement. Financial assets held at amortised cost are presented net of allowances, except where the </span></div><div class=\"ps5821 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">asset has been wholly or partially written off.</span><span class=\"f charStyle-33e1c6d6 ps10723\">\u00a0 </span></div><div class=\"ps5822 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Stage 1</span></div><div class=\"ps5986 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets that are considered performing and have not had a significant increase in credit risk are reported as Stage 1 assets. </span></div><div class=\"ps5987 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Stage 1 financial assets have loss allowances measured at an amount equal to a 12-month ECL.</span></div><div class=\"ps10724 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Stage 2</span></div><div class=\"ps10725 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets are considered to be in Stage 2 when their credit risk has increased significantly since initial recognition. A\u00a0loss </span></div><div class=\"ps10726 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">allowance equivalent to a lifetime ECL is required to\u00a0be\u00a0held.</span></div><div class=\"ps10727 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group\u2019s primary indicator for Stage 2 assets are distressed loans, potential problem loans and exposures in arrears that require </span></div><div class=\"ps10728 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">additional attention and supervision from watchlist committees and are under management review.</span></div><div class=\"ps10729 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Assets in forbearance are considered to be, at a minimum, Stage 2. Forbearance measures refer to concessions such </span></div><div class=\"ps10730 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">as\u00a0modification of the terms and conditions or refinancing that\u00a0has been granted to a debtor in financial difficulty. These\u00a0exposures </span></div><div class=\"ps10731 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">are assessed on a case-by-case basis to\u00a0determine whether the proposed modifications will be considered as forbearance. Where </span></div><div class=\"ps10732 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the Credit Committee considers it likely that the client will be able to return to perform against the original contractual obligations </span></div><div class=\"ps10733 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">within a reasonable time frame these assets will be considered performing and in\u00a0Stage 2. Forbearance is distinguished from </span></div><div class=\"ps10734 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">commercial renegotiations which take place as part of normal business activity and standard banking practice.</span></div><div class=\"ps10735 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In addition to loans under management review, an asset may also move from Stage 1 to Stage 2 if the model calculated probability </span></div><div class=\"ps10736 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of default (PD) has significantly increased since origination. This is tested on both a relative and absolute basis to assess whether a </span></div><div class=\"ps10737 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">significant deterioration in lifetime risk of default has occurred.</span></div><div class=\"ps10738 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">There is a common definition across the Bank\u2019s exposures regarding what constitutes a significant PD movement. The test involves </span></div><div class=\"ps10739 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">both an absolute and relative movement threshold. An asset is considered to have been subjected to a significant increase in credit </span></div><div class=\"ps10740 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">risk if the appropriate PD has doubled relative to the value at origination and on an absolute basis has increased by more than 1%. </span></div><div class=\"ps10741 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Any asset with an original rating that is classified as investment grade will be judged to have had a significant movement if the new </span></div><div class=\"ps10742 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">PD would classify it as sub-investment grade and the equivalent rating has moved by more than three notches. </span></div><div class=\"ps10743 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group adopts the view that all financial assets that are more than 30 days past due have experienced a significant increase in </span></div><div class=\"ps10744 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">credit risk. </span></div><div class=\"ps10745 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Exposures move back to Stage 1 once they no longer meet the criteria above for a significant increase in credit risk and as cure </span></div><div class=\"ps10746 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">periods (specifically relating to forborne exposures) are\u00a0met. </span></div><div class=\"ps10747 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Stage 3</span></div><div class=\"ps10748 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets are included in Stage 3 when there is objective evidence of credit impairment. The Group assesses a loan as Stage </span></div><div class=\"ps10751 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">3 when contractual payments of </span><span class=\"f charStyle-7a1d24f9 ps10749\">either</span><span class=\"f charStyle-33e1c6d6 ps10750\"> principal or interest are past due for more than 90 days, the debtor is assessed as unlikely </span></div><div class=\"ps10752 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">to pay and credit impaired, or the loan is otherwise considered to be in default, for example, due to the appointment of an </span></div><div class=\"ps10753 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">administrator or the client is in receivership. Forborne loans that are considered non-performing, for example, if a loan is not </span></div><div class=\"ps10754 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">expected to meet the original contractual obligations in a reasonable time frame, will be classified as Stage 3. Loans which are 90 </span></div><div class=\"ps10755 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">days or more past due are considered to be in default.</span></div><div class=\"ps10756 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group applies the effective interest rate on Stage 3 assets to the amortised cost of the financial asset (i.e. gross carrying </span></div><div class=\"ps10757 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">amount less ECL allowance) instead of its gross carrying amount and incorporates the impact of the ECLs in estimated future cash </span></div><div class=\"ps10758 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">flows.</span></div><div class=\"ps10759 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Definition of default</span></div><div class=\"ps10760 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group has aligned the IFRS 9 and regulatory definitions of default, credit impaired and non-performing exposure. Assets that </span></div><div class=\"ps10761 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">are more than 90 days past due, or considered by management as unlikely to pay their obligations in full without realisation of </span></div><div class=\"ps10762 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">collateral are considered as exposures in default.</span></div><div class=\"ps10763 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">ECL calculation basis</span></div><div class=\"ps10764 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The assessment of credit risk and the estimation of ECL are required to be unbiased, probability-weighted and should incorporate </span></div><div class=\"ps10765 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">all available information relevant to the assessment, including information about past events, current conditions and reasonable and </span></div><div class=\"ps10766 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">supportable forecasts of economic conditions at the reporting date. In addition, the estimation of ECL should take into account the </span></div><div class=\"ps10767 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">time value of money. As a result, the recognition and measurement of impairment is intended to be forward\u2011looking and therefore, </span></div><div class=\"ps10768 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">potentially volatile.</span></div></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Write-offs</span></div><div class=\"ps10770 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group has developed specific guidelines on write-off aimed at granting full compliance with IFRS 9 and the document </span></div><div class=\"ps10771 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">'Guidance to banks on non-performing loans' issued by the European Central Bank.</span></div><div class=\"ps10772 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">A loan or advance is written off in full against the related ECL impairment allowance when the entity has no reasonable </span></div><div class=\"ps10773 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">expectations of recovering a financial asset in its entirety or a portion thereof. This is assessed on a case-by-case basis with </span></div><div class=\"ps10774 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">considerations to indicators such as whether the exposure has been restructured or the given financial position of the borrower </span></div><div class=\"ps10775 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and guarantors. Any recoveries of amounts previously written off decrease the amount of impairment losses.</span></div><div class=\"ps10776 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Cured assets</span></div><div class=\"ps10777 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Loans and advances are regularly assessed to determine whether conditions which led to a significant increase in credit risk or </span></div><div class=\"ps10778 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">impairment still exist. Where applicable, the cured asset will move to the appropriate performing stage which reflects the re-</span></div><div class=\"ps10779 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">assessed credit risk in line with our Arrears, default and recovery (ADR) policy which is aligned to the applicable Regulatory </span></div><div class=\"ps10780 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">requirements.</span></div><div class=\"ps10781 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Process to determine ECL</span></div><div class=\"ps10782 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">ECL is calculated using three main components:<span class=\"f ps2\"> </span></span></div><div class=\"ps10783 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">A probability of default (PD)<span class=\"f ps2\"> </span></span></div><div class=\"ps10784 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">A loss given default (LGD)<span class=\"f ps2\"> </span></span></div><div class=\"ps10785 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">The exposure at default (EAD).<span class=\"f ps2\"> </span></span></div><div class=\"ps10786 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The 12-month and lifetime PDs represent the probability of a default occurring over the next 12 months or the lifetime of the </span></div><div class=\"ps10787 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">financial exposures, respectively, based on conditions existing at the balance sheet date and future forecast macro-economic </span></div><div class=\"ps10788 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">conditions that affect credit risk.</span></div><div class=\"ps10789 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The LGD represents losses expected on default, taking into account the mitigating effect of collateral and guarantees that are </span></div><div class=\"ps10790 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">integral to the instrument, the expected value when realised and the time value of money. The forecast value for the collateral is </span></div><div class=\"ps10791 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">also affected by the range of forward-looking, probability-weighted macro-economic scenarios. </span></div><div class=\"ps10792 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The EAD represents the expected balance at default, taking into account the repayment of principal and interest from the balance </span></div><div class=\"ps10793 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sheet date to the default event together with any expected drawdown of a committed facility. </span></div><div class=\"ps10794 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The calculation of the 12-month ECL is based on the 12-month PD and LGD along with the EAD and effective interest rate (EIR) for </span></div><div class=\"ps10795 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the asset. Lifetime ECL is calculated using the lifetime PD curve, and the appropriate LGDs and EADs, and discount rates using the </span></div><div class=\"ps10796 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">EIR for the remaining life of the financial asset.</span></div><div class=\"ps10797 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Expert judgement models or appropriate proxies for PDs are also utilised for certain portfolios where the ECL is found to be minimal, </span></div><div class=\"ps10798 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">either due to the portfolio\u2019s small relative size or the low default nature of these portfolios, such as cash and balances held at </span></div><div class=\"ps10799 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">central banks.</span></div><div class=\"ps10800 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Management adjustments are made to modelled output to account for situations where additional information and known or </span></div><div class=\"ps10801 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">expected risk factors have not been captured in the modelling process.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfFinancialAssetsExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-866": {
   "value": "<div class=\"ps10802 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Financial instruments held at fair value through profit or loss</span></div><div class=\"ps10803 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial instruments held at FVPL include all instruments classified as held for trading, those instruments designated as held at </span></div><div class=\"ps10804 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">FVPL, those financial assets which do not meet the criteria for amortised cost or FVOCI and derivative financial instruments.</span></div><div class=\"ps10805 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial instruments classified as FVPL are initially recorded at fair value on the balance sheet with changes in fair value </span></div><div class=\"ps10806 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">subsequently recognised in the income statement. Financial instruments are classified as held for trading when they are held with </span></div><div class=\"ps10807 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the intention of short-term disposal, held with the intention of generating short-term profit, or are derivatives which are not </span></div><div class=\"ps10808 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">designated as part of effective hedges. Financial instruments designated as held at FVPL are designated as such on initial </span></div><div class=\"ps10809 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recognition of the instrument and remain in this classification until derecognition. </span></div><div class=\"ps10810 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Changes in fair value of financial liabilities designated at fair value that are attributable to changes in own credit risk are recognised </span></div><div class=\"ps10811 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">in other comprehensive income. Any other changes in fair value are recognised in the income statement.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-867": {
   "value": "<div class=\"ps10812 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Reclassification of financial instruments</span></div><div class=\"ps10813 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets are only reclassified where there has been a change in business model. Certain financial liabilities can be </span></div><div class=\"ps10814 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reclassified to equity.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForReclassificationOfFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-868": {
   "value": "<div class=\"ps4165 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Derecognition of financial assets and liabilities</span></div><div class=\"ps5816 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">A financial asset, or a portion thereof, is derecognised when the Group\u2019s rights to cash flows have expired or when the Group has </span></div><div class=\"ps5817 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">transferred its rights to cash flows relating to the financial assets and either (a) the Group has transferred substantially all the risks </span></div><div class=\"ps5818 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and rewards associated with the financial assets or (b) the Group has neither transferred nor retained substantially all the risks and </span></div><div class=\"ps5819 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">rewards associated with the financial assets but has transferred control of the assets.</span></div><div class=\"ps10630 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">When the Group has neither transferred nor retained substantially all the risks and rewards and has retained control of the asset, </span></div><div class=\"ps10822 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the asset continues to be recognised only to the extent of the Group\u2019s continuing involvement, in which case, the Group also </span></div><div class=\"ps5822 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recognises an associated liability. The transferred asset and the associated liability are measured on a basis that reflects the rights </span></div><div class=\"ps5823 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and obligations that the Group has retained.</span></div><div class=\"ps10634 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">A financial liability is derecognised when it is extinguished, that is when the obligation is discharged, cancelled or expired. When an </span></div><div class=\"ps5825 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">existing financial liability is replaced or modified with substantially different terms, such a replacement or modification is treated as </span></div><div class=\"ps5826 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">a derecognition of the original liability and the recognition of a new liability. The difference in the respective carrying amounts is </span></div><div class=\"ps5827 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recognised in the income statement.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerecognitionOfFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-870": {
   "value": "<div class=\"ps10839 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Derivative instruments</span></div><div class=\"ps10840 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">All derivative instruments of the Group are recorded on the balance sheet at fair value. Positive and negative fair values are </span></div><div class=\"ps10841 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reported as assets and liabilities, respectively.</span></div><div class=\"ps10842 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Derivative positions are entered into either for trading purposes or as part of the Group\u2019s asset and liability balance sheet </span></div><div class=\"ps10843 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">management activities to manage exposures to foreign currency, interest rate and equity risks. Both realised and unrealised profit </span></div><div class=\"ps10844 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">or losses arising on derivatives are recognised in the income statement as part of trading income (other than circumstances in </span></div><div class=\"ps10845 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">which cash flow hedging is applied as detailed in the hedge accounting section below).</span></div><div class=\"ps10846 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Derivative instruments entered into as economic hedges which do not qualify for hedge accounting and derivatives that are </span></div><div class=\"ps10847 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">entered into for trading purposes are classified in the same way as instruments that are held-for-trading.</span></div><div class=\"ps10848 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Hedge accounting</span></div><div class=\"ps10849 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">When the Group first implemented IFRS 9 Financial Instruments, it made an election to continue to apply the hedge accounting <span class=\"f ps2\"> </span></span></div><div class=\"ps10850 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">requirements of IAS 39 as an accounting policy.<span class=\"f ps2\"> </span></span></div><div class=\"ps10851 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group applies either fair value, cash flow hedge or hedge of net investments in foreign operations accounting when the <span class=\"f ps2\"> </span></span></div><div class=\"ps10852 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">transactions meet the specified hedge accounting criteria.<span class=\"f ps2\"> </span></span></div><div class=\"ps10853 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">To qualify for hedge accounting treatment, the Group ensures that all of the following conditions are met: <span class=\"f ps2\"> </span></span></div><div class=\"ps10854 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">At inception of the hedge, the Group formally documents the relationship between the hedging instrument(s) and hedged item(s) <span class=\"f ps2\"> </span></span></div><div class=\"ps10855 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">including the risk management objectives and the strategy in undertaking the hedge transaction. Also at the inception of the <span class=\"f ps2\"> </span></span></div><div class=\"ps10856 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">hedge relationship, a formal assessment is undertaken to ensure the hedging instrument is expected to be highly effective in <span class=\"f ps2\"> </span></span></div><div class=\"ps10857 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">offsetting the designated risk in the hedged item. A hedge is expected to be highly effective if the changes in fair value or cash <span class=\"f ps2\"> </span></span></div><div class=\"ps10858 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">flows attributable to the hedged risk during the period for which the hedge is designated are expected to offset in a range of <span class=\"f ps2\"> </span></span></div><div class=\"ps10859 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">80% to 125%<span class=\"f ps2\"> </span></span></div><div class=\"ps10860 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">For cash flow hedges, a forecasted transaction that is the subject of the hedge must be highly probable and must present an <span class=\"f ps2\"> </span></span></div><div class=\"ps10861 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">exposure to variations in cash flows that could ultimately affect the income statement<span class=\"f ps2\"> </span></span></div><div class=\"ps10862 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">The effectiveness of the hedge can be reliably measured, i.e. the fair value or cash flows of the hedged item that are attributable <span class=\"f ps2\"> </span></span></div><div class=\"ps10863 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">to the hedged risk and the fair value of the hedging instrument can be reliably measured<span class=\"f ps2\"> </span></span></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">The hedge effectiveness is assessed on an ongoing basis and determined actually to have been highly effective throughout the <span class=\"f ps2\"> </span></span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">financial reporting periods for which the hedge was designated.<span class=\"f ps2\"> </span></span></div><div class=\"ps7745 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For qualifying fair value hedges, the change in fair value of the hedging instrument is recognised in the income statement. Changes <span class=\"f ps2\"> </span></span></div><div class=\"ps6025 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">in fair value of the hedged item that are attributable to the hedged risk are also recognised in the income statement. Under micro <span class=\"f ps2\"> </span></span></div><div class=\"ps705 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">hedging, a corresponding adjustment is made to OCI where the hedged item is measured at FVOCI and to the carrying value of the <span class=\"f ps2\"> </span></span></div><div class=\"ps706 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">item itself for amortised cost items. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps1654\">For macro hedges of amortised cost items this adjustment is shown as a separate balance </span></div><div class=\"ps3314 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sheet line item.</span></div><div class=\"ps710 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For qualifying cash flow hedges in respect of non-financial assets and liabilities, the change in fair value of the hedging instrument </span></div><div class=\"ps712 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">relating to the effective portion is initially recognised directly in other comprehensive income in the cash flow hedge reserve and is </span></div><div class=\"ps3315 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">included in the initial cost of any asset/liability recognised or in all other cases released to the income statement when the hedged </span></div><div class=\"ps3316 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">firm commitment or forecasted transaction affects net profit. If the forecast transaction or firm commitment is no longer expected </span></div><div class=\"ps6373 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">to occur, the balance included in other comprehensive income is reclassified to the income statement immediately and recognised </span></div><div class=\"ps8274 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">in trading income from balance sheet management and other trading activities.</span></div><div class=\"ps6029 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For qualifying cash flow hedges in respect of financial assets and liabilities, the change in fair value of the hedging instrument that </span></div><div class=\"ps6374 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">represents an effective hedge is initially recognised in other comprehensive income and is reclassified to the income statement in </span></div><div class=\"ps7988 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the same period during which the relevant financial asset or liability affects the income statement. Any ineffective portion of the </span></div><div class=\"ps7990 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">hedge is immediately recognised in the income statement.</span></div><div class=\"ps6377 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For qualifying hedges of a net investment in a foreign operation, including a hedge of a monetary item that is accounted for as part </span></div><div class=\"ps6378 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of the net investment, are accounted for in a way similar to cash flow hedges. Changes in the fair value of the hedging instrument </span></div><div class=\"ps6379 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">relating to the effective portion of the hedge are recognised in other comprehensive income while any gains or losses relating to </span></div><div class=\"ps7995 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the ineffective portion are recognised in the income statement. On disposal of the foreign operation, the cumulative value of any </span></div><div class=\"ps7996 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">such gain or loss recorded in other comprehensive income is reclassified to the income statement.</span></div><div class=\"ps6382 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Hedge accounting is discontinued when it is determined that the hedging relationship ceases to meet the qualifying criteria, </span></div><div class=\"ps5212 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">including when the derivative expires, or is sold, terminated or exercised; when the hedged item matures or is sold or repaid; when </span></div><div class=\"ps6383 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">a forecasted transaction is no longer deemed highly probable or when the designation as a hedge is revoked.</span></div><div class=\"ps8261 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Sources of hedge ineffectiveness may arise from basis risk, including but not limited to the discount rates used for calculating the </span></div><div class=\"ps6385 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">fair value of derivatives, hedges using instruments with a non-nil fair value at the date of recognition, and notional and timing </span></div><div class=\"ps8000 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">differences between the hedged items and hedging instruments.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerivativeFinancialInstrumentsAndHedgingExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-869": {
   "value": "<div class=\"ps10839 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Derivative instruments</span></div><div class=\"ps10840 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">All derivative instruments of the Group are recorded on the balance sheet at fair value. Positive and negative fair values are </span></div><div class=\"ps10841 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reported as assets and liabilities, respectively.</span></div><div class=\"ps10842 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Derivative positions are entered into either for trading purposes or as part of the Group\u2019s asset and liability balance sheet </span></div><div class=\"ps10843 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">management activities to manage exposures to foreign currency, interest rate and equity risks. Both realised and unrealised profit </span></div><div class=\"ps10844 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">or losses arising on derivatives are recognised in the income statement as part of trading income (other than circumstances in </span></div><div class=\"ps10845 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">which cash flow hedging is applied as detailed in the hedge accounting section below).</span></div><div class=\"ps10846 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Derivative instruments entered into as economic hedges which do not qualify for hedge accounting and derivatives that are </span></div><div class=\"ps10847 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">entered into for trading purposes are classified in the same way as instruments that are held-for-trading.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerivativeFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-871": {
   "value": "<div class=\"ps10848 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Hedge accounting</span></div><div class=\"ps10849 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">When the Group first implemented IFRS 9 Financial Instruments, it made an election to continue to apply the hedge accounting <span class=\"f ps2\"> </span></span></div><div class=\"ps10850 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">requirements of IAS 39 as an accounting policy.<span class=\"f ps2\"> </span></span></div><div class=\"ps10851 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group applies either fair value, cash flow hedge or hedge of net investments in foreign operations accounting when the <span class=\"f ps2\"> </span></span></div><div class=\"ps10852 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">transactions meet the specified hedge accounting criteria.<span class=\"f ps2\"> </span></span></div><div class=\"ps10853 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">To qualify for hedge accounting treatment, the Group ensures that all of the following conditions are met: <span class=\"f ps2\"> </span></span></div><div class=\"ps10854 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">At inception of the hedge, the Group formally documents the relationship between the hedging instrument(s) and hedged item(s) <span class=\"f ps2\"> </span></span></div><div class=\"ps10855 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">including the risk management objectives and the strategy in undertaking the hedge transaction. Also at the inception of the <span class=\"f ps2\"> </span></span></div><div class=\"ps10856 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">hedge relationship, a formal assessment is undertaken to ensure the hedging instrument is expected to be highly effective in <span class=\"f ps2\"> </span></span></div><div class=\"ps10857 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">offsetting the designated risk in the hedged item. A hedge is expected to be highly effective if the changes in fair value or cash <span class=\"f ps2\"> </span></span></div><div class=\"ps10858 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">flows attributable to the hedged risk during the period for which the hedge is designated are expected to offset in a range of <span class=\"f ps2\"> </span></span></div><div class=\"ps10859 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">80% to 125%<span class=\"f ps2\"> </span></span></div><div class=\"ps10860 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">For cash flow hedges, a forecasted transaction that is the subject of the hedge must be highly probable and must present an <span class=\"f ps2\"> </span></span></div><div class=\"ps10861 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">exposure to variations in cash flows that could ultimately affect the income statement<span class=\"f ps2\"> </span></span></div><div class=\"ps10862 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">The effectiveness of the hedge can be reliably measured, i.e. the fair value or cash flows of the hedged item that are attributable <span class=\"f ps2\"> </span></span></div><div class=\"ps10863 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">to the hedged risk and the fair value of the hedging instrument can be reliably measured<span class=\"f ps2\"> </span></span></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">The hedge effectiveness is assessed on an ongoing basis and determined actually to have been highly effective throughout the <span class=\"f ps2\"> </span></span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">financial reporting periods for which the hedge was designated.<span class=\"f ps2\"> </span></span></div><div class=\"ps7745 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For qualifying fair value hedges, the change in fair value of the hedging instrument is recognised in the income statement. Changes <span class=\"f ps2\"> </span></span></div><div class=\"ps6025 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">in fair value of the hedged item that are attributable to the hedged risk are also recognised in the income statement. Under micro <span class=\"f ps2\"> </span></span></div><div class=\"ps705 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">hedging, a corresponding adjustment is made to OCI where the hedged item is measured at FVOCI and to the carrying value of the <span class=\"f ps2\"> </span></span></div><div class=\"ps706 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">item itself for amortised cost items. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps1654\">For macro hedges of amortised cost items this adjustment is shown as a separate balance </span></div><div class=\"ps3314 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sheet line item.</span></div><div class=\"ps710 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For qualifying cash flow hedges in respect of non-financial assets and liabilities, the change in fair value of the hedging instrument </span></div><div class=\"ps712 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">relating to the effective portion is initially recognised directly in other comprehensive income in the cash flow hedge reserve and is </span></div><div class=\"ps3315 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">included in the initial cost of any asset/liability recognised or in all other cases released to the income statement when the hedged </span></div><div class=\"ps3316 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">firm commitment or forecasted transaction affects net profit. If the forecast transaction or firm commitment is no longer expected </span></div><div class=\"ps6373 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">to occur, the balance included in other comprehensive income is reclassified to the income statement immediately and recognised </span></div><div class=\"ps8274 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">in trading income from balance sheet management and other trading activities.</span></div><div class=\"ps6029 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For qualifying cash flow hedges in respect of financial assets and liabilities, the change in fair value of the hedging instrument that </span></div><div class=\"ps6374 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">represents an effective hedge is initially recognised in other comprehensive income and is reclassified to the income statement in </span></div><div class=\"ps7988 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the same period during which the relevant financial asset or liability affects the income statement. Any ineffective portion of the </span></div><div class=\"ps7990 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">hedge is immediately recognised in the income statement.</span></div><div class=\"ps6377 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For qualifying hedges of a net investment in a foreign operation, including a hedge of a monetary item that is accounted for as part </span></div><div class=\"ps6378 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of the net investment, are accounted for in a way similar to cash flow hedges. Changes in the fair value of the hedging instrument </span></div><div class=\"ps6379 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">relating to the effective portion of the hedge are recognised in other comprehensive income while any gains or losses relating to </span></div><div class=\"ps7995 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the ineffective portion are recognised in the income statement. On disposal of the foreign operation, the cumulative value of any </span></div><div class=\"ps7996 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">such gain or loss recorded in other comprehensive income is reclassified to the income statement.</span></div><div class=\"ps6382 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Hedge accounting is discontinued when it is determined that the hedging relationship ceases to meet the qualifying criteria, </span></div><div class=\"ps5212 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">including when the derivative expires, or is sold, terminated or exercised; when the hedged item matures or is sold or repaid; when </span></div><div class=\"ps6383 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">a forecasted transaction is no longer deemed highly probable or when the designation as a hedge is revoked.</span></div><div class=\"ps8261 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Sources of hedge ineffectiveness may arise from basis risk, including but not limited to the discount rates used for calculating the </span></div><div class=\"ps6385 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">fair value of derivatives, hedges using instruments with a non-nil fair value at the date of recognition, and notional and timing </span></div><div class=\"ps8000 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">differences between the hedged items and hedging instruments.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForHedgingExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-872": {
   "value": "<div class=\"ps10864 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Offsetting of financial assets and liabilities</span></div><div class=\"ps10865 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Financial assets and liabilities are offset when there is both an intention to settle on a net basis (or simultaneously) and a currently </span></div><div class=\"ps10866 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">enforceable legal right to offset exists.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForOffsettingOfFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-875": {
   "value": "<div class=\"ps10883 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Sale and repurchase agreements (including securities borrowing and lending)</span></div><div class=\"ps10884 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Securities sold subject to a commitment to repurchase, at a fixed price or a selling price plus a lender\u2019s return, remain on-balance </span></div><div class=\"ps10885 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sheet as the requirements of derecognition have not been met. Proceeds received are recorded as a liability on the balance sheet </span></div><div class=\"ps10886 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">under \u2018repurchase agreements and cash collateral on securities lent\u2019. Securities that are purchased under a commitment to resell </span></div><div class=\"ps10887 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the securities at a future date are not recognised on the balance sheet. The consideration paid is recognised as an asset under </span></div><div class=\"ps10888 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2018reverse repurchase agreements and cash collateral on securities borrowed\u2019.</span></div><div class=\"ps10889 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Where financial instruments have been purchased at the same time as derivatives with the same counterparty, such that the </span></div><div class=\"ps10890 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">combined position has the economic substance of secured lending, an asset is recognised under \u2018reverse repurchase agreements </span></div><div class=\"ps10891 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and cash collateral on securities borrowed\u2019.</span></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The difference between the sale and repurchase prices is treated as interest and is accrued over the life of the agreement using </span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the effective interest method.</span></div><div class=\"ps7745 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Securities lending and borrowing transactions that are not cash collateralised do not result in recognition of securities borrowed or </span></div><div class=\"ps6025 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">derecognition of securities lent. Securities lending and borrowing transactions which are cash collateralised are accounted for in </span></div><div class=\"ps705 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the same manner as securities sold or purchased subject to repurchase commitments.</span></div><div class=\"ps80 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The cash collateral from agency-based scrip lending transactions is presented on a net basis where the master netting agreement </span></div><div class=\"ps707 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">provides for a legal right of offset and the intention is to settle net.</span></div><div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_376\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">44<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16123\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16124\">Commitments, contingent liabilities and provisions<span class=\"f ps2\"> </span></span></div><div class=\"ps11275 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-8d4b9b37 ps9195\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Undrawn facilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps12462 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.84pt\"></span></span><span class=\"ps16125\">2\u00a0800\u00a0803<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps12463 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13pt\"></span></span><span class=\"ps5507\">2\u00a0477\u00a0158<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3425 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Guarantees^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14747 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.41pt\"></span></span><span class=\"ps8328\">83\u00a0647<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14748 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.16pt\"></span></span><span class=\"ps16126\">110\u00a0143<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps6433 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Irrevocable letters of credit^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14749 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.2pt\"></span></span><span class=\"ps9596\">312\u00a0762<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14751 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.98pt\"></span></span><span class=\"ps99\">461\u00a0265<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14752 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Commitments in scope of IFRS 9<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14753 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.22pt\"></span></span><span class=\"ps15684\">3\u00a0197\u00a0212<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14754 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.49pt\"></span></span><span class=\"ps16127\">3\u00a0048\u00a0566<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14755 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other commitments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14757 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.39pt\"></span></span><span class=\"ps2828\">59\u00a0331<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14759 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.63pt\"></span></span><span class=\"ps16128\">65\u00a0550<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14760 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.06pt\"></span></span><span class=\"ps16129\">3\u00a0256\u00a0543<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14761 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.7pt\"></span></span><span class=\"ps16130\">3\u00a0114\u00a0116<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps16131 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^ <span style=\"display:inline-block;height:5.81pt;width:9.82pt\"></span></span></span><span class=\"f charStyle-207fba8f ps968\">Guarantees and irrevocable letters of credit have been disaggregated in the current year and the prior year has been re-presented to align with risk disclosures.</span></div><div class=\"ps16132 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Guarantees are issued by Investec Bank plc on behalf of third parties and other Group companies. The guarantees are issued as </span></div><div class=\"ps16133 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">part of the banking business.</span></div><div class=\"ps16134 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Support is provided by Investec Bank plc to its subsidiaries where appropriate.</span></div><div class=\"ps1772 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Expected credit losses (ECL) of \u00a39 million (</span><span class=\"f charStyle-33e1c6d6 ps16135\">2025</span><span class=\"f charStyle-33e1c6d6 ps16136\">: \u00a38 million) arising on undrawn facilities and \u00a31 million (</span><span class=\"f charStyle-33e1c6d6 ps16137\">2025</span><span class=\"f charStyle-33e1c6d6 ps16138\">: \u00a32 million) arising on </span></div><div class=\"ps16143 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">guarantees and letters of credit are reported in other liabilities. For further details refer to </span><span class=\"f charStyle-33e1c6d6 ps16139\">page</span><span class=\"f charStyle-33e1c6d6 ps16140\"> </span><span class=\"f charStyle-c4fc3a3f ps16141\"><a class=\"Hyperlink\" href=\"#i0331dd6885fe4f23b3cba74a014792f1_9224\" style=\"z-index:1\">168</a></span><span class=\"f charStyle-33e1c6d6 ps16142\"> of the Investec Group\u2019s 2026 </span></div><div class=\"ps16144 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">risk and governance report.</span></div><div class=\"ps16145 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In addition to guarantees, irrevocable letters of credit, credit derivative instruments, undrawn facilities and other commitments, the </span></div><div class=\"ps16152 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group includes in its off-balance sheet exposures for risk management purposes</span><span class=\"f charStyle-33e1c6d6 ps16146\"> \u00a3</span><span class=\"f charStyle-33e1c6d6 ps16147\">75 </span><span class=\"f charStyle-33e1c6d6 ps16148\">million</span><span class=\"f charStyle-33e1c6d6 ps16149\"> (</span><span class=\"f charStyle-33e1c6d6 ps16150\">2025</span><span class=\"f charStyle-33e1c6d6 ps16151\">: \u00a372 million) of potential or </span></div><div class=\"ps16153 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">revocable exposures and similar arrangements that may arise in future, resulting in additional credit risk. </span></div><div class=\"ps16154 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Financial Services Compensation Scheme</span></div><div class=\"ps16155 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Financial Services Compensation Scheme (FSCS), the UK\u2019s statutory fund of last resort, provides compensation to customers </span></div><div class=\"ps16156 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of UK authorised financial institutions in the event that an institution which is a participating member of the FSCS is unable, or is </span></div><div class=\"ps16157 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">likely to be unable, to pay claims against it.</span></div><div class=\"ps9093 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The FSCS raises annual levies from participating members based on their level of participation (in the case of deposits, the </span></div><div class=\"ps16158 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">proportion that their protected deposits represent to total protected deposits) as at 31 December of the year preceding the </span></div><div class=\"ps16159 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">scheme year. Investec Bank plc is a participating member of the FSCS.</span></div><div class=\"ps16160 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">At the date of these financial statements, it is not possible to estimate whether there will ultimately be additional levies on the </span></div><div class=\"ps16161 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">industry, the level of the Group\u2019s market participation or other factors that may affect the amounts or timing of amounts that may </span></div><div class=\"ps16162 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">ultimately become payable, nor the effect that such levies may have upon operating results in any particular financial period.</span></div><div class=\"ps16163 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Legal and regulatory matters</span></div><div class=\"ps16164 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group operates in a legal and regulatory environment that exposes it to legal, regulatory and litigation risks. As a result, the </span></div><div class=\"ps16165 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group is involved in disputes, legal proceedings and is subject to enquiries and examinations, requests for information, audits, </span></div><div class=\"ps16166 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">investigations and other proceedings by regulators and competition authorities which arise in the ordinary course of business. The </span></div><div class=\"ps16167 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group evaluates all facts, the probability of the outcome of the proceedings and advice from internal and external legal counsel </span></div><div class=\"ps16168 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">when considering accounting and regulatory implications. At the present time, the Group does not expect the ultimate resolution of </span></div><div class=\"ps16170 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps2861\">any of these ongoing regulatory reviews and other matters to have a material adverse effect on its financial position.</span><span class=\"f charStyle-4646bb92 ps16169\"> </span></div><div class=\"ps16171 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Historical German dividend tax arbitrage transactions </span></div><div class=\"ps16172 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec Bank plc has previously been notified by the Office of the Public Prosecutor in Cologne, Germany, that it and certain of its </span></div><div class=\"ps16173 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">current and former employees may be involved in possible charges relating to historical involvement in German dividend tax </span></div><div class=\"ps16174 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">arbitrage transactions (known as cum-ex transactions). Investigations are ongoing and no formal proceedings have been issued </span></div><div class=\"ps16175 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">against Investec Bank plc by the Office of the Public Prosecutor. In addition, Investec Bank plc received certain enquiries in respect </span></div><div class=\"ps16176 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of client tax reclaims for the periods 2010-2011 relating to the historical German dividend arbitrage transactions from the German </span></div><div class=\"ps16177 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Federal Tax Office (FTO) in Bonn. The FTO provided more information in relation to their claims and Investec Bank plc has sought </span></div><div class=\"ps16178 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">further information and clarification. </span></div><div class=\"ps16179 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec Bank plc is cooperating with the German authorities and continues to conduct its own internal investigation into the </span></div><div class=\"ps16180 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">matters in question. A provision is held to reflect the estimate of financial outflows that could arise as a result of this matter and is </span></div><div class=\"ps16181 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reassessed at each reporting date. There are factual issues to be resolved which may have legal consequences, including financial </span></div><div class=\"ps16182 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">penalties. </span></div><div class=\"ps16183 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In relation to potential civil claims; whilst Investec Bank plc is not a claimant nor a defendant to any civil claims in respect of cum-ex </span></div><div class=\"ps16184 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">transactions, Investec Bank plc has received third party notices in relation to two civil proceedings in Germany and may elect to join </span></div><div class=\"ps16185 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the proceedings as a third party participant. Investec Bank plc has itself served third party notices on various participants to these </span></div><div class=\"ps16186 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">historic transactions in order to preserve the statute of limitations on any potential future claims that Investec Bank plc may seek to </span></div><div class=\"ps16187 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">bring against those parties, should Investec Bank plc incur any liability in the future. Investec Bank plc has also entered into </span></div><div class=\"ps16188 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">standstill agreements with some third parties in order to suspend the limitation period in respect of the potential civil claims. While </span></div><div class=\"ps16189 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec Bank plc is not a claimant nor a defendant to any civil claims at this stage, it cannot rule out the possibility of civil claims by </span></div><div class=\"ps16190 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">or against Investec Bank plc in future in relation to the relevant transactions. </span></div><div class=\"ps16191 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group has not provided further disclosure with respect to these historical dividend arbitrage transactions because it has </span></div><div class=\"ps16192 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">concluded that such disclosure may be expected to seriously prejudice its outcome.</span></div></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">44</span><span class=\"f charStyle-f6a3ab10 ps16123\">. </span><span class=\"f charStyle-f6a3ab10 ps16124\">Commitments, contingent liabilities and provisions</span><span class=\"f charStyle-f6a3ab10 ps16193\"> (continued)</span></div><div class=\"ps979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Motor finance commission review </span></div><div class=\"ps16194 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Investec Group (the Group) notes the FCA\u2019s announcement on 30 March 2026 regarding the final scope of the Motor Finance </span></div><div class=\"ps16195 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">compensation scheme, following the Supreme Court judgement handed down on 1 August 2025, and has undertaken an </span></div><div class=\"ps16196 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">assessment of the implications and potential impact of the proposed redress scheme.</span></div><div class=\"ps16197 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">As previously disclosed, in determining its existing provision the Group considered a range of scenarios to reflect uncertainties in </span></div><div class=\"ps16198 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">key assumptions, including potential regulatory responses and redress outcomes. The FCA has now provided further detail on the </span></div><div class=\"ps16199 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">approach, including the products in scope, the circumstances in which inadequate disclosure may give rise to an unfair relationship, </span></div><div class=\"ps16200 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the methodology for calculating redress, and the proposed customer engagement approach and time limits.</span></div><div class=\"ps16201 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Based on the scheme as currently proposed, the Group has concluded that its existing provision of \u00a330million, covering both </span></div><div class=\"ps16202 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">redress and associated operational costs, remains appropriate based on information currently available and our estimate of a </span></div><div class=\"ps16203 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">potential response rate. The ultimate financial impact could differ from these estimates as a result of customer take-up rates and </span></div><div class=\"ps16204 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the associated impact on operational costs; however, we do not believe this will impact the overall provision materially.</span></div><div class=\"ps16205 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group notes that the FCA\u2019s scheme is subject to ongoing legal challenges which, if successful, may materially affect the </span></div><div class=\"ps16206 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">design, implementation or existence of any redress framework. Accordingly, the legal and regulatory position, as well as the nature, </span></div><div class=\"ps16207 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">extent and timing of any remediation, remain materially uncertain pending the outcome of this challenge.</span></div><div class=\"ps16211 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:14.98pt\">45<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16209\" style=\"width:5.86pt\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16210\" style=\"width:84.68pt\">Pledged assets<span class=\"f ps2\"> </span></span></div><div class=\"ps16224 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:255.75pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"4\" style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps12364 ss1916\"><div><div class=\"ps1404 ss1514\"><span class=\"f charStyle-a26246ce ps12062\">Carrying amount<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss1514\"><span class=\"f charStyle-a26246ce ps16212\"> of pledged assets<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"4\" style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps2813 ss1916\"><div><div class=\"ps1400 ss1514\"><span class=\"f charStyle-a26246ce ps16213\">Related liability<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps429 ss30\"><div><div class=\"ps809 ss29\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16214 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16215 ss1663\"><div><div class=\"ps11070 ss114\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps9195\">2025</span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9660 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9661 ss1663\"><div><div class=\"ps11070 ss114\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps9195\">2025</span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps362 ss1746\"><div><div class=\"ps4014 ss29\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1002 ss1698\"><div><div class=\"ps997 ss29\"><span class=\"f charStyle-b7f6e8e5 ps7\">Pledged assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2492 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14793 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.28pt\"></span></span><span class=\"ps9500\">46\u00a0085<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14794 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.26pt\"></span></span><span class=\"ps11587\">48\u00a0103<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14795 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.38pt\"></span></span><span class=\"ps16216\">74\u00a0803<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2496 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">89\u00a0736<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps192 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14799 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.76pt\"></span></span><span class=\"ps16217\">1\u00a0149\u00a0518<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14800 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.9pt\"></span></span><span class=\"ps8422\">177\u00a0855<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14801 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.24pt\"></span></span><span class=\"ps16218\">1\u00a0041\u00a0804<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2500 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.31pt\"></span></span><span class=\"ps9242\">86\u00a0245<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2501 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Bank debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14805 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.65pt\"></span></span><span class=\"ps16219\">12\u00a0473<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14807 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.78pt\"></span></span><span class=\"ps11816\">14\u00a0872<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14808 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.5pt\"></span></span><span class=\"ps12189\">11\u00a0304<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2505 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.48pt\"></span></span><span class=\"ps10135\">7\u00a0212<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2506 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securities arising from trading activities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14812 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.1pt\"></span></span><span class=\"ps16007\">9\u00a0837<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14814 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.99pt\"></span></span><span class=\"ps9376\">9\u00a0213<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14815 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.23pt\"></span></span><span class=\"ps16041\">8\u00a0915<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2510 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.85pt\"></span></span><span class=\"ps12318\">8\u00a0538<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2511 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16220 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.97pt\"></span></span><span class=\"ps9560\">992\u00a0237<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps16221 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.55pt\"></span></span><span class=\"ps15308\">921\u00a0737<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16223 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.89pt\"></span></span><span class=\"ps16222\">2\u00a0441<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2515 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.52pt\"></span></span><span class=\"ps14223\">446\u00a0966<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4281 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14820 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.03pt\"></span></span><span class=\"ps11655\">121<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14821 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.88pt\"></span></span><span class=\"ps1604\">501<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14823 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.65pt\"></span></span><span class=\"ps9682\">205<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14824 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.54pt\"></span></span><span class=\"ps12182\">935<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14828 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.23pt\"></span></span><span class=\"ps14725\">2\u00a0210\u00a0271<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14830 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.49pt\"></span></span><span class=\"ps12028\">1\u00a0172\u00a0281<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11830 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.86pt\"></span></span><span class=\"ps9710\">1\u00a0139\u00a0472<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11832 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.63pt\"></span></span><span class=\"ps15081\">639\u00a0632<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps16225 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The assets pledged by the Group are strictly for the purpose of providing collateral for the counterparty. Additionally, assets </span></div><div class=\"ps16230 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">pledged for securities lending transactions amounting to\u00a0 </span><span class=\"f charStyle-33e1c6d6 ps16226\">\u00a3143\u00a0million</span><span class=\"f charStyle-33e1c6d6 ps16227\"> </span><span class=\"f charStyle-33e1c6d6 ps1350\"> (31 March 2025: </span><span class=\"f charStyle-33e1c6d6 ps16228\">\u00a352\u00a0million</span><span class=\"f charStyle-33e1c6d6 ps16229\">) are disclosed this year. These </span></div><div class=\"ps16231 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">are not included in \u201csovereign debt securities\u201d in the table above and have no related liabilities. </span></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">51<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps14684\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11433\">Offsetting<span class=\"f ps2\"> </span></span></div><div class=\"ps11275 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:143.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"10\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps8029 ss2078\"><div><div class=\"ps809 ss2077\"><span class=\"f charStyle-a26246ce ps17607\">Amounts subject to enforceable netting arrangements<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"5\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11278 ss1859\"><div><div class=\"ps809 ss1858\"><span class=\"f charStyle-a26246ce ps17608\">Effects of offsetting on-balance sheet<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"5\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11281 ss1859\"><div><div class=\"ps809 ss1858\"><span class=\"f charStyle-a26246ce ps17609\">Related amounts not offset*<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:39pt\"><td style=\"padding:0\"><div class=\"ps817 ss2079\"><div><div class=\"ps17610 ss1017\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11285 ss2080\"><div><div class=\"ps14214 ss296\"><span class=\"f charStyle-6f1c08a8 ps17611\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss296\"><span class=\"f charStyle-6f1c08a8 ps17612\"> amounts</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11286 ss2081\"><div><div class=\"ps14214 ss114\"><span class=\"f charStyle-6f1c08a8 ps13694\">Amounts<span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss114\"><span class=\"f charStyle-6f1c08a8 ps8384\"> offset<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11289 ss2081\"><div><div class=\"ps809 ss114\"><span class=\"f charStyle-ef17fa27 ps17613\">Net financial <span class=\"f ps2\"> </span></span></div><div class=\"ps14224 ss114\"><span class=\"f charStyle-ef17fa27 ps11101\">assets/<span class=\"f ps2\"> </span></span></div><div class=\"ps14218 ss114\"><span class=\"f charStyle-ef17fa27 ps107\">liabilities<span class=\"f ps2\"> </span></span></div><div class=\"ps14220 ss114\"><span class=\"f charStyle-ef17fa27 ps17614\">reported on<span class=\"f ps2\"> </span></span></div><div class=\"ps14214 ss114\"><span class=\"f charStyle-ef17fa27 ps17615\">the balance<span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss114\"><span class=\"f charStyle-ef17fa27 ps8351\">sheet<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17502 ss2080\"><div><div class=\"ps14218 ss296\"><span class=\"f charStyle-6f1c08a8 ps11101\">Financial<span class=\"f ps2\"> </span></span></div><div class=\"ps14220 ss296\"><span class=\"f charStyle-6f1c08a8 ps9199\"> instruments<span class=\"f ps2\"> </span></span></div><div class=\"ps14214 ss296\"><span class=\"f charStyle-6f1c08a8 ps17616\"> (including non-<span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss296\"><span class=\"f charStyle-6f1c08a8 ps3484\">cash collateral)<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2816 ss2081\"><div><div class=\"ps14214 ss114\"><span class=\"f charStyle-6f1c08a8 ps11069\">Cash<span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss114\"><span class=\"f charStyle-6f1c08a8 ps11104\"> collateral<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2817 ss2081\"><div><div class=\"ps14216 ss114\"><span class=\"f charStyle-ef17fa27 ps11493\">Net amount<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps4049 ss1633\"><div><div class=\"ps809 ss1017\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3844 ss1634\"><div><div class=\"ps997 ss1017\"><span class=\"f charStyle-b7f6e8e5 ps7\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps218 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-b7f6e8e5 ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps1353 ss1637\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Reverse repurchase agreements and <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">cash collateral on securities borrowed<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17617 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.18pt\"></span></span><span class=\"ps12886\">1\u00a0884\u00a0699<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17618 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17619 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.18pt\"></span></span><span class=\"ps9426\">1\u00a0884\u00a0699<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps17621 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.44pt\"></span></span><span class=\"ps17620\">(1\u00a0863\u00a0936)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17623 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.4pt\"></span></span><span class=\"ps17622\">(20\u00a0715)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15767 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.01pt\"></span></span><span class=\"ps13707\">48<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9234 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17624 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.2pt\"></span></span><span class=\"ps9977\">788\u00a0941<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17626 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.75pt\"></span></span><span class=\"ps17625\">(434\u00a0820)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17627 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.07pt\"></span></span><span class=\"ps9449\">354\u00a0121<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps17530 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.59pt\"></span></span><span class=\"ps4132\">(106\u00a0874)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9238 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.84pt\"></span></span><span class=\"ps14816\">(176\u00a0321)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9240 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.65pt\"></span></span><span class=\"ps16085\">70\u00a0926<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"><div class=\"ps9241 ss1634\"><div><div class=\"ps997 ss1017\"><span class=\"f charStyle-b7f6e8e5 ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11521 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17628 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.59pt\"></span></span><span class=\"ps12646\">723\u00a0344<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17629 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.97pt\"></span></span><span class=\"ps12519\">(304\u00a0139)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17630 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.95pt\"></span></span><span class=\"ps9521\">419\u00a0205<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps17631 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.59pt\"></span></span><span class=\"ps4132\">(106\u00a0874)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15944 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.46pt\"></span></span><span class=\"ps9478\">(38\u00a0489)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15945 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.84pt\"></span></span><span class=\"ps14816\">273\u00a0842<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps13072 ss1637\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Repurchase agreements and cash <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">collateral on securities lent<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17632 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.85pt\"></span></span><span class=\"ps12877\">1\u00a0065\u00a0587<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17633 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17634 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.85pt\"></span></span><span class=\"ps9416\">1\u00a0065\u00a0587<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps17635 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.8pt\"></span></span><span class=\"ps13450\">(1\u00a0065\u00a0654)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17636 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17637 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12761 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps17638 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.61pt\"></span></span><span class=\"ps13487\">1\u00a0093\u00a0527<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps17639 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.45pt\"></span></span><span class=\"ps6215\">(130\u00a0681)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps17640 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.63pt\"></span></span><span class=\"ps16109\">962\u00a0846<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12762 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps17641 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps17642 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.63pt\"></span></span><span class=\"ps16109\">962\u00a0846<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps17651 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:143.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"10\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps8029 ss2078\"><div><div class=\"ps809 ss2077\"><span class=\"f charStyle-a26246ce ps17607\">Amounts subject to enforceable netting arrangements<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"5\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11278 ss1859\"><div><div class=\"ps809 ss1858\"><span class=\"f charStyle-a26246ce ps17608\">Effects of offsetting on-balance sheet<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"5\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11281 ss1859\"><div><div class=\"ps809 ss1858\"><span class=\"f charStyle-a26246ce ps17609\">Related amounts not offset*<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:39pt\"><td style=\"padding:0\"><div class=\"ps817 ss2079\"><div><div class=\"ps17610 ss1017\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11285 ss2080\"><div><div class=\"ps14214 ss296\"><span class=\"f charStyle-6f1c08a8 ps17611\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss296\"><span class=\"f charStyle-6f1c08a8 ps17612\"> amounts</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11286 ss2081\"><div><div class=\"ps14214 ss114\"><span class=\"f charStyle-6f1c08a8 ps13694\">Amounts<span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss114\"><span class=\"f charStyle-6f1c08a8 ps17644\">offset<span class=\"f ps2\"> </span></span><span class=\"f charStyle-74272f2c ps17645\"><span class=\"f ps2\"> </span><sup>1</sup></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11289 ss2081\"><div><div class=\"ps809 ss114\"><span class=\"f charStyle-ef17fa27 ps17613\">Net financial <span class=\"f ps2\"> </span></span></div><div class=\"ps14224 ss114\"><span class=\"f charStyle-ef17fa27 ps11101\">assets/<span class=\"f ps2\"> </span></span></div><div class=\"ps14218 ss114\"><span class=\"f charStyle-ef17fa27 ps107\">liabilities<span class=\"f ps2\"> </span></span></div><div class=\"ps14220 ss114\"><span class=\"f charStyle-ef17fa27 ps17614\">reported on<span class=\"f ps2\"> </span></span></div><div class=\"ps14214 ss114\"><span class=\"f charStyle-ef17fa27 ps17615\">the balance<span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss114\"><span class=\"f charStyle-ef17fa27 ps8351\">sheet<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17502 ss2080\"><div><div class=\"ps14218 ss296\"><span class=\"f charStyle-6f1c08a8 ps11101\">Financial<span class=\"f ps2\"> </span></span></div><div class=\"ps14220 ss296\"><span class=\"f charStyle-6f1c08a8 ps9199\"> instruments<span class=\"f ps2\"> </span></span></div><div class=\"ps14214 ss296\"><span class=\"f charStyle-6f1c08a8 ps17616\"> (including non-<span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss296\"><span class=\"f charStyle-6f1c08a8 ps3484\">cash collateral)<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2816 ss2081\"><div><div class=\"ps14214 ss114\"><span class=\"f charStyle-6f1c08a8 ps11069\">Cash<span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss114\"><span class=\"f charStyle-6f1c08a8 ps15698\">collateral<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2817 ss2081\"><div><div class=\"ps14216 ss114\"><span class=\"f charStyle-ef17fa27 ps11493\">Net amount<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps4049 ss1633\"><div><div class=\"ps809 ss1017\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3844 ss1634\"><div><div class=\"ps997 ss1017\" style=\"font-size:12pt\"><span class=\"f charStyle-13225c7c ps7\">2025</span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps218 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-b7f6e8e5 ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps1353 ss1637\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Reverse repurchase agreements and <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">cash collateral on securities borrowed<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17617 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.63pt\"></span></span><span class=\"ps15081\">1\u00a0640\u00a0765<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17618 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17619 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.63pt\"></span></span><span class=\"ps3525\">1\u00a0640\u00a0765<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps17621 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.56pt\"></span></span><span class=\"ps17646\">(1\u00a0606\u00a0223)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17623 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.47pt\"></span></span><span class=\"ps17647\">(34\u00a0542)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15767 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9234 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17624 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.79pt\"></span></span><span class=\"ps10436\">919\u00a0030<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17626 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.63pt\"></span></span><span class=\"ps17648\">(619\u00a0749)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17627 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.98pt\"></span></span><span class=\"ps99\">299\u00a0281<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps17530 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.34pt\"></span></span><span class=\"ps15467\">(116\u00a0383)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9238 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.81pt\"></span></span><span class=\"ps14433\">(113\u00a0709)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9240 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.55pt\"></span></span><span class=\"ps11206\">69\u00a0189<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"><div class=\"ps9241 ss1634\"><div><div class=\"ps997 ss1017\"><span class=\"f charStyle-b7f6e8e5 ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11521 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17628 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.15pt\"></span></span><span class=\"ps9237\">783\u00a0108<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17629 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.68pt\"></span></span><span class=\"ps11651\">(508\u00a0317)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17630 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.57pt\"></span></span><span class=\"ps9523\">274\u00a0791<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps17631 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.34pt\"></span></span><span class=\"ps15467\">(116\u00a0383)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15944 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.28pt\"></span></span><span class=\"ps17649\">(37\u00a0815)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15945 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.93pt\"></span></span><span class=\"ps11836\">120\u00a0593<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps13072 ss1637\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Repurchase agreements and cash <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">collateral on securities lent<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17632 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.3pt\"></span></span><span class=\"ps9455\">178\u00a0202<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17633 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17634 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.3pt\"></span></span><span class=\"ps9492\">178\u00a0202<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps17635 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.83pt\"></span></span><span class=\"ps9291\">(176\u00a0831)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17636 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.09pt\"></span></span><span class=\"ps3234\">(522)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17637 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.44pt\"></span></span><span class=\"ps3232\">849<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12761 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-9458d4de ps7\">Other liabilities</span><span class=\"f charStyle-70e7a25b ps17650\"><sup>#</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps17638 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.58pt\"></span></span><span class=\"ps11124\">660\u00a0049<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps17639 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.6pt\"></span></span><span class=\"ps11627\">(111\u00a0432)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps17640 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.32pt\"></span></span><span class=\"ps9441\">548\u00a0617<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12762 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps17641 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps17642 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.32pt\"></span></span><span class=\"ps9441\">548\u00a0617<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps17652 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">The Group enters into derivatives and repurchase and reverse repurchase agreements with various counterparties which are governed by industry standard master </span></span></div><div class=\"ps17653 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">netting agreements. The Group holds and provides cash and securities collateral in respect of derivatives transactions covered by these agreements. The right to set </span></div><div class=\"ps17654 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">off balances under these master netting agreements or to set off cash and securities collateral only arises in the event of non-payment or default and, as a result, </span></div><div class=\"ps17655 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">these arrangements do not qualify for offsetting under IAS 32.<span class=\"f ps2\"> </span></span></div><div class=\"ps17656 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-3e468f6d ps14678\"><sup>#</sup></span><span class=\"f charStyle-207fba8f\"><span class=\"ps14679\"><span style=\"display:inline-block;height:5.81pt;width:11.71pt\"></span></span><span class=\"ps968\">Certain variation margin accounts that qualify in full for offsetting were previously shown against other assets, but have been re-presented to be shown against other </span></span></div><div class=\"ps17657 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">liabilities as this better reflects the net position at the reporting date.</span></div><div class=\"ps17659 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">1<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">Amounts offset for derivative financial assets and derivative financial liabilities represent variation margin received and paid on exchange traded/centrally cleared </span></span></div><div class=\"ps17660 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">derivatives and the netting of long and short derivative balances against clients with enforceable netting arrangements.</span></div><div class=\"ps17662 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps23\">2</span><span class=\"f charStyle-207fba8f\"><span class=\"ps17661\"><span style=\"display:inline-block;height:5.81pt;width:10.51pt\"></span></span><span class=\"ps968\">Financial instruments (including non-cash collateral) include financial collateral whether recognised or unrecognised.</span></span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCollateralExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-874": {
   "value": "<div class=\"ps10883 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Sale and repurchase agreements (including securities borrowing and lending)</span></div><div class=\"ps10884 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Securities sold subject to a commitment to repurchase, at a fixed price or a selling price plus a lender\u2019s return, remain on-balance </span></div><div class=\"ps10885 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sheet as the requirements of derecognition have not been met. Proceeds received are recorded as a liability on the balance sheet </span></div><div class=\"ps10886 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">under \u2018repurchase agreements and cash collateral on securities lent\u2019. Securities that are purchased under a commitment to resell </span></div><div class=\"ps10887 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the securities at a future date are not recognised on the balance sheet. The consideration paid is recognised as an asset under </span></div><div class=\"ps10888 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2018reverse repurchase agreements and cash collateral on securities borrowed\u2019.</span></div><div class=\"ps10889 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Where financial instruments have been purchased at the same time as derivatives with the same counterparty, such that the </span></div><div class=\"ps10890 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">combined position has the economic substance of secured lending, an asset is recognised under \u2018reverse repurchase agreements </span></div><div class=\"ps10891 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and cash collateral on securities borrowed\u2019.</span></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The difference between the sale and repurchase prices is treated as interest and is accrued over the life of the agreement using </span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the effective interest method.</span></div><div class=\"ps7745 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Securities lending and borrowing transactions that are not cash collateralised do not result in recognition of securities borrowed or </span></div><div class=\"ps6025 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">derecognition of securities lent. Securities lending and borrowing transactions which are cash collateralised are accounted for in </span></div><div class=\"ps705 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the same manner as securities sold or purchased subject to repurchase commitments.</span></div><div class=\"ps80 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The cash collateral from agency-based scrip lending transactions is presented on a net basis where the master netting agreement </span></div><div class=\"ps707 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">provides for a legal right of offset and the intention is to settle net.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForCollateralExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-873": {
   "value": "<div class=\"ps10883 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Sale and repurchase agreements (including securities borrowing and lending)</span></div><div class=\"ps10884 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Securities sold subject to a commitment to repurchase, at a fixed price or a selling price plus a lender\u2019s return, remain on-balance </span></div><div class=\"ps10885 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sheet as the requirements of derecognition have not been met. Proceeds received are recorded as a liability on the balance sheet </span></div><div class=\"ps10886 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">under \u2018repurchase agreements and cash collateral on securities lent\u2019. Securities that are purchased under a commitment to resell </span></div><div class=\"ps10887 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the securities at a future date are not recognised on the balance sheet. The consideration paid is recognised as an asset under </span></div><div class=\"ps10888 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2018reverse repurchase agreements and cash collateral on securities borrowed\u2019.</span></div><div class=\"ps10889 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Where financial instruments have been purchased at the same time as derivatives with the same counterparty, such that the </span></div><div class=\"ps10890 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">combined position has the economic substance of secured lending, an asset is recognised under \u2018reverse repurchase agreements </span></div><div class=\"ps10891 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and cash collateral on securities borrowed\u2019.</span></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The difference between the sale and repurchase prices is treated as interest and is accrued over the life of the agreement using </span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the effective interest method.</span></div><div class=\"ps7745 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Securities lending and borrowing transactions that are not cash collateralised do not result in recognition of securities borrowed or </span></div><div class=\"ps6025 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">derecognition of securities lent. Securities lending and borrowing transactions which are cash collateralised are accounted for in </span></div><div class=\"ps705 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the same manner as securities sold or purchased subject to repurchase commitments.</span></div><div class=\"ps80 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The cash collateral from agency-based scrip lending transactions is presented on a net basis where the master netting agreement </span></div><div class=\"ps707 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">provides for a legal right of offset and the intention is to settle net.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForRepurchaseAndReverseRepurchaseAgreementsExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-877": {
   "value": "<div class=\"ps10892 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Property and equipment</span></div><div class=\"ps8137 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Property and equipment are recorded at cost less accumulated depreciation and impairments. Cost is the cash equivalent paid or </span></div><div class=\"ps8138 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the fair value of the consideration given to acquire an asset and includes other expenditures that are directly attributable to the </span></div><div class=\"ps4877 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">acquisition of the asset. </span></div><div class=\"ps4878 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Depreciation is provided on the depreciable amount of each component on a straight-line basis over the expected useful life of the </span></div><div class=\"ps8181 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">asset. The depreciable amount related to each asset is determined as the difference between the cost and the residual value of the </span></div><div class=\"ps8182 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">asset. The residual value is the estimated amount, net of disposal costs that the Group would currently obtain from the disposal of </span></div><div class=\"ps8183 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">an asset in similar age and condition as expected at the end of its useful life.</span></div><div class=\"ps8740 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The current and comparative annual depreciation rates for each class of property and equipment are as follows:</span></div><div class=\"ps8741 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6\"><span class=\"ps23\">\u2022\u00a0 Computer and related equipment<span style=\"display:inline-block;height:7.75pt;width:18.74pt\"></span></span><span class=\"ps10893\"><span style=\"display:inline-block;height:7.75pt;width:31.19pt\"></span></span><span class=\"ps10894\">10% \u2013 33%</span></span></div><div class=\"ps4884 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6\"><span class=\"ps23\">\u2022\u00a0 Furniture and vehicles<span style=\"display:inline-block;height:7.75pt;width:59.2pt\"></span></span><span class=\"ps10893\"><span style=\"display:inline-block;height:7.75pt;width:31.19pt\"></span></span><span class=\"ps10894\">10% \u2013 25%</span></span></div><div class=\"ps4885 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6\"><span class=\"ps23\">\u2022\u00a0 Freehold properties<span style=\"display:inline-block;height:7.75pt;width:68.29pt\"></span></span><span class=\"ps10893\"><span style=\"display:inline-block;height:7.75pt;width:31.19pt\"></span></span><span class=\"ps10894\">2% \u2013 4%</span></span></div><div class=\"ps8818 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022\u00a0 Leasehold property and improvements*</span></div><div class=\"ps8744 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022\u00a0 Right-of-use assets*</span></div><div class=\"ps10895 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:5.5pt\"></span></span><span class=\"ps461\">Depreciation rates on leasehold improvements are determined with reference to the appropriate useful life of its separate components, limited to the period of the lease. </span></span></div><div class=\"ps10896 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps461\">Leasehold property and right-of-use asset depreciation rates are determined with reference to the period of the lease.</span></div><div class=\"ps8913 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">No depreciation is provided on freehold land. However, similar to other property-related assets, freehold land is subject to </span></div><div class=\"ps8914 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">impairment testing when an indication of impairment exists. </span></div><div class=\"ps10897 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Routine maintenance and service costs for Group assets are expensed as incurred. Subsequent expenditure is only capitalised if it </span></div><div class=\"ps10898 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">is probable that future economic benefits associated with the item will flow to the Group.</span></div>Property and equipment are derecognised on disposal or when no future economic benefits are expected to be realised.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-876": {
   "value": "<div class=\"ps10892 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Property and equipment</span></div><div class=\"ps8137 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Property and equipment are recorded at cost less accumulated depreciation and impairments. Cost is the cash equivalent paid or </span></div><div class=\"ps8138 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the fair value of the consideration given to acquire an asset and includes other expenditures that are directly attributable to the </span></div><div class=\"ps4877 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">acquisition of the asset. </span></div><div class=\"ps4878 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Depreciation is provided on the depreciable amount of each component on a straight-line basis over the expected useful life of the </span></div><div class=\"ps8181 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">asset. The depreciable amount related to each asset is determined as the difference between the cost and the residual value of the </span></div><div class=\"ps8182 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">asset. The residual value is the estimated amount, net of disposal costs that the Group would currently obtain from the disposal of </span></div><div class=\"ps8183 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">an asset in similar age and condition as expected at the end of its useful life.</span></div><div class=\"ps8740 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The current and comparative annual depreciation rates for each class of property and equipment are as follows:</span></div><div class=\"ps8741 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6\"><span class=\"ps23\">\u2022\u00a0 Computer and related equipment<span style=\"display:inline-block;height:7.75pt;width:18.74pt\"></span></span><span class=\"ps10893\"><span style=\"display:inline-block;height:7.75pt;width:31.19pt\"></span></span><span class=\"ps10894\">10% \u2013 33%</span></span></div><div class=\"ps4884 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6\"><span class=\"ps23\">\u2022\u00a0 Furniture and vehicles<span style=\"display:inline-block;height:7.75pt;width:59.2pt\"></span></span><span class=\"ps10893\"><span style=\"display:inline-block;height:7.75pt;width:31.19pt\"></span></span><span class=\"ps10894\">10% \u2013 25%</span></span></div><div class=\"ps4885 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6\"><span class=\"ps23\">\u2022\u00a0 Freehold properties<span style=\"display:inline-block;height:7.75pt;width:68.29pt\"></span></span><span class=\"ps10893\"><span style=\"display:inline-block;height:7.75pt;width:31.19pt\"></span></span><span class=\"ps10894\">2% \u2013 4%</span></span></div><div class=\"ps8818 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022\u00a0 Leasehold property and improvements*</span></div><div class=\"ps8744 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022\u00a0 Right-of-use assets*</span></div><div class=\"ps10895 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:5.5pt\"></span></span><span class=\"ps461\">Depreciation rates on leasehold improvements are determined with reference to the appropriate useful life of its separate components, limited to the period of the lease. </span></span></div><div class=\"ps10896 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps461\">Leasehold property and right-of-use asset depreciation rates are determined with reference to the period of the lease.</span></div><div class=\"ps8913 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">No depreciation is provided on freehold land. However, similar to other property-related assets, freehold land is subject to </span></div><div class=\"ps8914 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">impairment testing when an indication of impairment exists. </span></div><div class=\"ps10897 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Routine maintenance and service costs for Group assets are expensed as incurred. Subsequent expenditure is only capitalised if it </span></div><div class=\"ps10898 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">is probable that future economic benefits associated with the item will flow to the Group.</span></div>Property and equipment are derecognised on disposal or when no future economic benefits are expected to be realised.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDepreciationExpenseExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-878": {
   "value": "<div class=\"ps10897 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Routine maintenance and service costs for Group assets are expensed as incurred. Subsequent expenditure is only capitalised if it </span></div><div class=\"ps10898 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">is probable that future economic benefits associated with the item will flow to the Group.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForRepairsAndMaintenanceExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-879": {
   "value": "<div class=\"ps10899 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Leases</span></div><div class=\"ps4862 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">At inception of a contract the Group assesses whether a contract is, or contains, a lease. A contract is, or contains, a lease if the <span class=\"f ps2\"> </span></span></div><div class=\"ps8832 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">contract conveys the right to control the use of an identified asset for a period of time in exchange for consideration. To assess <span class=\"f ps2\"> </span></span></div><div class=\"ps8833 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">whether a contract conveys the right to control the use of an identified asset, the Group assesses whether:<span class=\"f ps2\"> </span></span></div><div class=\"ps4865 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">The Group has the right to obtain substantially all of the economic benefits from use of the asset throughout the period of use<span class=\"f ps2\"> </span></span></div><div class=\"ps8196 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">The Group has the right to direct the use of the asset.<span class=\"f ps2\"> </span></span></div><div class=\"ps8835 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">As a lessee, the Group recognises a right-of-use (ROU) asset and a lease liability at the lease commencement date.<span class=\"f ps2\"> </span></span></div><div class=\"ps10900 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The lease liability is initially measured at the present value of the lease payments that are not paid at the commencement date, <span class=\"f ps2\"> </span></span></div><div class=\"ps10901 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">discounted at the rate implicit in the lease, or, where that is not available, at the Group\u2019s incremental borrowing rate.<span class=\"f ps2\"> </span></span></div><div class=\"ps8201 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The lease liability will increase for the accrual of interest, and will result in a constant rate of return throughout the life of the lease, <span class=\"f ps2\"> </span></span></div><div class=\"ps8202 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and reduce when payments are made.<span class=\"f ps2\"> </span></span></div><div class=\"ps10902 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The ROU asset is initially measured at cost, which comprises the initial amount of the lease liability, any lease payments made at or <span class=\"f ps2\"> </span></span></div><div class=\"ps10903 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">before the commencement date, any indirect costs incurred and an estimate of costs to dismantle and remove the underlying asset <span class=\"f ps2\"> </span></span></div><div class=\"ps10904 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">or to restore the underlying asset or the site on which it is located, less any lease incentives received.<span class=\"f ps2\"> </span></span></div><div class=\"ps10905 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The ROU asset is subsequently depreciated using the straight-line method from the commencement date to the end of the lease <span class=\"f ps2\"> </span></span></div><div class=\"ps10906 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">term. In addition, the ROU asset is periodically reduced by impairment losses, if any, and adjusted for certain remeasurements of <span class=\"f ps2\"> </span></span></div><div class=\"ps10907 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the lease liability.<span class=\"f ps2\"> </span></span></div><div class=\"ps8210 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The lease liability is subsequently remeasured when there is a change in either the lease term, the Group\u2019s assessment of whether <span class=\"f ps2\"> </span></span></div><div class=\"ps8211 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">it will exercise a purchase, extension or termination option, future lease payments arising from a change in index or rate or if there is <span class=\"f ps2\"> </span></span></div><div class=\"ps10908 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">a change in the Group\u2019s estimate of the amount expected to be payable under a residual value guarantee.<span class=\"f ps2\"> </span></span></div><div class=\"ps8213 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Where the lease liability is remeasured, a corresponding adjustment is made to the carrying amount of the ROU asset, or is <span class=\"f ps2\"> </span></span></div><div class=\"ps8214 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recorded in the income statement if the carrying amount of the ROU asset has been reduced to zero.<span class=\"f ps2\"> </span></span></div><div class=\"ps10909 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For those lease modifications that do not result in a separate lease, the Group remeasures the lease liability using the lease term of <span class=\"f ps2\"> </span></span></div><div class=\"ps10910 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the modified lease and the discount rate as determined at the effective date of modification. Where the modification decreases the <span class=\"f ps2\"> </span></span></div><div class=\"ps10911 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">scope of the lease, the Group decreases the carrying amount of the right-of-use asset to reflect partial or full termination of the <span class=\"f ps2\"> </span></span></div><div class=\"ps10912 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">lease. Any difference between those adjustments is recognised in profit or loss at the effective date of the modification. For all <span class=\"f ps2\"> </span></span></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">other lease modifications which are not accounted for as a separate lease, the amount of the remeasurement of the lease liability is <span class=\"f ps2\"> </span></span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recognised as an adjustment to the corresponding right-of-use asset without affecting profit or loss.<span class=\"f ps2\"> </span></span></div><div class=\"ps7745 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group has elected to apply the accounting exemption not to recognise ROU assets and lease liabilities for low-value assets <span class=\"f ps2\"> </span></span></div><div class=\"ps6025 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and short-term leases that have a lease term of 12 months or less. The Group recognises the lease payments associated with these <span class=\"f ps2\"> </span></span></div><div class=\"ps705 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">leases as an expense on a straight-line basis over the lease term.<span class=\"f ps2\"> </span></span></div><div class=\"ps80 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">When the Group is the lessor, the lease must be classified as either a finance lease or an operating lease. A finance lease is a lease <span class=\"f ps2\"> </span></span></div><div class=\"ps707 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">which confers substantially all the risks and rewards of the leased assets on the lessee. All other leases are operating leases.<span class=\"f ps2\"> </span></span></div><div class=\"ps6372 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">When the lease is deemed a finance lease, the leased asset is not held on the balance sheet; instead a finance lease receivable is <span class=\"f ps2\"> </span></span></div><div class=\"ps8220 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recognised representing the minimum lease payments receivable under the terms of the lease, discounted at the rate of interest <span class=\"f ps2\"> </span></span></div><div class=\"ps8221 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">implicit in the lease. <span class=\"f ps2\"> </span></span></div><div class=\"ps6373 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">When the lease is deemed an operating lease, the lease income is recognised on a straight-line basis over the period of the lease <span class=\"f ps2\"> </span></span></div><div class=\"ps8274 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">unless another systematic basis is more appropriate.<span class=\"f ps2\"> </span></span></div><div class=\"ps6029 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">On the balance sheet, the ROU assets are included within property and equipment unless the asset is held for investment <span class=\"f ps2\"> </span></span></div><div class=\"ps6374 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">purposes, in which case the nature of the investment will determine the presentation. Finance lease receivables are ordinarily <span class=\"f ps2\"> </span></span></div><div class=\"ps7988 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">included within loans and advances to customers but are included in other assets where the Group holds a head lease and the <span class=\"f ps2\"> </span></span></div>sublease arrangement with external parties is a finance lease. Lease liabilities are included within other liabilities.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForLeasesExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-880": {
   "value": "<div class=\"ps10914 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Software and other acquired intangible assets</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIntangibleAssetsOtherThanGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-882": {
   "value": "<div class=\"ps10927 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Impairment of non-financial assets</span></div><div class=\"ps10928 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">At each balance sheet date, the Group reviews the carrying value of non-financial assets for indication of impairment. The </span></div><div class=\"ps10929 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recoverable amount, being the higher of fair value less cost of disposal and value in use, is determined for any assets for which an </span></div><div class=\"ps10930 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">indication of impairment is identified, and annually in the case of cash-generating units containing goodwill. If the recoverable </span></div><div class=\"ps10931 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">amount of an asset is less than its carrying value, the carrying value of the asset is reduced to its recoverable amount.</span></div><div class=\"ps10932 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Impairment losses are recognised as an expense in the income statement in the period in which they are identified. Reversals of </span></div><div class=\"ps10933 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">impairment losses are recognised in income in the period in which the reversals are identified, to the extent that the carrying value </span></div><div class=\"ps10934 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of the asset does not exceed the amount that would have been calculated without impairment.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfAssetsExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-881": {
   "value": "<div class=\"ps10927 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Impairment of non-financial assets</span></div><div class=\"ps10928 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">At each balance sheet date, the Group reviews the carrying value of non-financial assets for indication of impairment. The </span></div><div class=\"ps10929 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recoverable amount, being the higher of fair value less cost of disposal and value in use, is determined for any assets for which an </span></div><div class=\"ps10930 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">indication of impairment is identified, and annually in the case of cash-generating units containing goodwill. If the recoverable </span></div><div class=\"ps10931 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">amount of an asset is less than its carrying value, the carrying value of the asset is reduced to its recoverable amount.</span></div><div class=\"ps10932 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Impairment losses are recognised as an expense in the income statement in the period in which they are identified. Reversals of </span></div><div class=\"ps10933 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">impairment losses are recognised in income in the period in which the reversals are identified, to the extent that the carrying value </span></div><div class=\"ps10934 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of the asset does not exceed the amount that would have been calculated without impairment.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfNonfinancialAssetsExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-884": {
   "value": "<div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Taxation and deferred taxation</span></div><div class=\"ps979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Current taxation payable is provided for based on the amount expected to be payable on taxable profit at rates that are enacted or <span class=\"f ps2\"> </span></span></div><div class=\"ps980 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">substantively enacted and applicable to the relevant period.<span class=\"f ps2\"> </span></span></div><div class=\"ps4870 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Deferred taxation is provided on temporary differences between the carrying amount of an asset or liability on the balance sheet <span class=\"f ps2\"> </span></span></div><div class=\"ps4871 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and its tax base, except where such temporary differences arise from:<span class=\"f ps2\"> </span></span></div><div class=\"ps8136 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">The initial recognition of goodwill<span class=\"f ps2\"> </span></span></div><div class=\"ps8839 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">The initial recognition of an asset or liability in a transaction which is not a business combination and at the time of the <span class=\"f ps2\"> </span></span></div><div class=\"ps8840 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">transaction has no effect on the income statement or taxable profit<span class=\"f ps2\"> </span></span></div><div class=\"ps4876 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Temporary differences associated with the investments in subsidiaries and interests in associated undertakings and joint venture <span class=\"f ps2\"> </span></span></div><div class=\"ps8179 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">holdings, where the timing of the reversal of the temporary differences can be controlled and it is probable that the temporary <span class=\"f ps2\"> </span></span></div><div class=\"ps8180 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">differences will not reverse in the foreseeable future.<span class=\"f ps2\"> </span></span></div><div class=\"ps8726 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Deferred taxation assets or liabilities are measured using the taxation rates that have been enacted or substantively enacted at the <span class=\"f ps2\"> </span></span></div><div class=\"ps4879 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">balance sheet date.<span class=\"f ps2\"> </span></span></div><div class=\"ps8183 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Deferred taxation assets are recognised to the extent that it is probable that future taxable profit will be available against which the <span class=\"f ps2\"> </span></span></div><div class=\"ps4881 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">deferred taxation asset can be utilised. <span class=\"f ps2\"> </span></span></div>Items recognised directly in other comprehensive income are net of related current and deferred taxation.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIncomeTaxExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-883": {
   "value": "<div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Taxation and deferred taxation</span></div><div class=\"ps979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Current taxation payable is provided for based on the amount expected to be payable on taxable profit at rates that are enacted or <span class=\"f ps2\"> </span></span></div><div class=\"ps980 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">substantively enacted and applicable to the relevant period.<span class=\"f ps2\"> </span></span></div><div class=\"ps4870 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Deferred taxation is provided on temporary differences between the carrying amount of an asset or liability on the balance sheet <span class=\"f ps2\"> </span></span></div><div class=\"ps4871 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and its tax base, except where such temporary differences arise from:<span class=\"f ps2\"> </span></span></div><div class=\"ps8136 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">The initial recognition of goodwill<span class=\"f ps2\"> </span></span></div><div class=\"ps8839 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">The initial recognition of an asset or liability in a transaction which is not a business combination and at the time of the <span class=\"f ps2\"> </span></span></div><div class=\"ps8840 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">transaction has no effect on the income statement or taxable profit<span class=\"f ps2\"> </span></span></div><div class=\"ps4876 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Temporary differences associated with the investments in subsidiaries and interests in associated undertakings and joint venture <span class=\"f ps2\"> </span></span></div><div class=\"ps8179 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">holdings, where the timing of the reversal of the temporary differences can be controlled and it is probable that the temporary <span class=\"f ps2\"> </span></span></div><div class=\"ps8180 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">differences will not reverse in the foreseeable future.<span class=\"f ps2\"> </span></span></div><div class=\"ps8726 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Deferred taxation assets or liabilities are measured using the taxation rates that have been enacted or substantively enacted at the <span class=\"f ps2\"> </span></span></div><div class=\"ps4879 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">balance sheet date.<span class=\"f ps2\"> </span></span></div><div class=\"ps8183 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Deferred taxation assets are recognised to the extent that it is probable that future taxable profit will be available against which the <span class=\"f ps2\"> </span></span></div><div class=\"ps4881 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">deferred taxation asset can be utilised. <span class=\"f ps2\"> </span></span></div>Items recognised directly in other comprehensive income are net of related current and deferred taxation.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDeferredIncomeTaxExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-886": {
   "value": "<div class=\"ps10940 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Provisions, contingent liabilities and contingent assets</span></div><div class=\"ps8143 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Provisions are recognised when the Group has a present legal or constructive obligation as a result of a past event, for which it is </span></div><div class=\"ps8144 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">probable that an outflow of resources embodying economic benefits will be required to settle the obligation and a reliable estimate </span></div><div class=\"ps8145 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">can be made of the amount of the obligation. The expense relating to a provision is presented in the income statement net of any </span></div><div class=\"ps4848 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reimbursement that qualifies for recognition. Contingent assets and contingent liabilities are not recognised on the balance sheet.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForProvisionsExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-885": {
   "value": "<div class=\"ps10940 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Provisions, contingent liabilities and contingent assets</span></div><div class=\"ps8143 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Provisions are recognised when the Group has a present legal or constructive obligation as a result of a past event, for which it is </span></div><div class=\"ps8144 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">probable that an outflow of resources embodying economic benefits will be required to settle the obligation and a reliable estimate </span></div><div class=\"ps8145 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">can be made of the amount of the obligation. The expense relating to a provision is presented in the income statement net of any </span></div><div class=\"ps4848 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reimbursement that qualifies for recognition. Contingent assets and contingent liabilities are not recognised on the balance sheet.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForContingentLiabilitiesAndContingentAssetsExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-887": {
   "value": "<div class=\"ps10941 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Standards and interpretations issued but not yet effective</span></div><div class=\"ps10942 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The following amendments, standards and interpretations that have been issued but are not yet effective, are applicable to the </span></div><div class=\"ps10943 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group and expected to have an impact on financial reporting. These standards and interpretations have not been applied in these </span></div><div class=\"ps10944 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">annual financial statements. The Group intends to comply with these standards from the effective dates. With the exception of the </span></div><div class=\"ps10945 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">standards noted below, all other amendments, standards and interpretations, issued but not yet effective, are not expected to </span></div><div class=\"ps10946 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">impact the Group materially. </span></div><div class=\"ps10947 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">IFRS 18 Presentation and Disclosure in Financial Statements</span></div><div class=\"ps10948 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">IFRS 18 introduces new requirements on presentation within the statement of profit or loss, including specified totals and subtotals. </span></div><div class=\"ps10949 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">It also requires disclosure of management-defined performance measures and includes new requirements for the location, </span></div><div class=\"ps10950 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">aggregation and disaggregation of financial information. Changes proposed under IFRS 18 relate only to the presentation and </span></div><div class=\"ps10951 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">disclosure within the financial statements and do not affect the recognition or measurement of transactions.</span></div><div class=\"ps10952 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The direct and consequential amendments under IFRS 18 are effective for annual reporting periods beginning on or after </span></div><div class=\"ps10953 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">1\u00a0January\u00a02027. The new standard will result in structural changes to the presentation of the Group\u2019s income statement, changes in </span></div><div class=\"ps10954 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">aggregation and disaggregation throughout the financial statements and additional disclosures relating to certain performance </span></div><div class=\"ps10955 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">measures. The reporting teams are in the process of making decisions on the revised presentation of financial statements, and the </span></div><div class=\"ps10956 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">full impact of the implementation is still under assessment.</span></div><div class=\"ps10957 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Amendments to IFRS 9 Amendments to Classification and Measurement of Financial Instruments and </span></div><div class=\"ps10958 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">IFRS 7 disclosures</span></div><div class=\"ps10959 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The IASB has issued amendments to the classification and measurement of financial instruments which, amongst other changes </span></div><div class=\"ps10960 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">less significant to the Group, clarify that a financial liability is derecognised on the \u2018settlement date\u2019, when the related obligation is </span></div><div class=\"ps10961 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">discharged, cancelled, expires or the liability otherwise qualifies for derecognition. It also introduces an accounting policy option to </span></div><div class=\"ps10962 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">derecognise financial liabilities that are settled through an electronic payment system before settlement date if certain conditions </span></div><div class=\"ps10963 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">are met.</span></div><div class=\"ps10964 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">These amendments are effective for annual reporting periods beginning on or after 1 January 2026. The reporting teams are </span></div>working closely with the respective operations teams in order to determine the impact of these changes.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfChangesInAccountingPoliciesAccountingEstimatesAndErrorsExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-888": {
   "value": "<div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Key management assumptions</span></div><div class=\"ps979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In preparation of the annual financial statements in accordance with IFRS Accounting Standards, the Group makes certain </span></div><div class=\"ps980 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">estimations and applies judgements in applying accounting policies that affect the reported amount of assets, liabilities, income and </span></div><div class=\"ps981 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">expenses. Due to the inherent uncertainty in making estimates, actual results reported in future periods may be based upon </span></div><div class=\"ps982 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">amounts which differ from those estimates.</span></div><div class=\"ps4872 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Estimates and judgements are continually evaluated and are based on historical experience and other factors, including </span></div><div class=\"ps2365 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">expectations of future events that are believed to be reasonable under the circumstances. In preparing the financial statements, </span></div><div class=\"ps8839 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the Group has considered the impact of climate-related risks on its financial position and performance. Many of the effects arising </span></div><div class=\"ps8840 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">from climate change will be longer term in nature, with an inherent level of uncertainty and have limited effect on accounting </span></div><div class=\"ps8137 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">judgements and estimates for the current period.</span></div><div class=\"ps8179 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-cc327f97 ps23\">Key areas of estimation uncertainty include:</span></div><div class=\"ps8139 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">In accordance with IFRS 13 Fair Value Measurement, the Group categorises financial instruments carried on the balance sheet at </span></div><div class=\"ps8726 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">fair value using a three-level hierarchy. Financial instruments categorised as level 1 are valued using quoted market prices and </span></div><div class=\"ps4879 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">therefore there is minimal judgement applied in determining fair value. However, the fair value of financial instruments </span></div><div class=\"ps4880 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">categorised as level 2 and, in particular, level 3 are determined using valuation techniques including discounted cash flow </span></div><div class=\"ps8739 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">analysis, price-earnings multiples, net asset value and complex valuation models. The valuation techniques for level 3 financial </span></div><div class=\"ps8740 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">instruments involve management judgement and estimates, the extent of which depends on the complexity of the instrument, </span></div><div class=\"ps8815 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">counterparty and own credit risk, funding cost, low levels of market liquidity, and the availability of market observable </span></div><div class=\"ps4883 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">information. In particular, significant uncertainty exists in the valuation of unlisted investments and fair value loans in the private </span></div><div class=\"ps4884 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">equity and direct investments portfolios. The estimation of fair value is subject to an uncertain economic outlook. Key valuation </span></div><div class=\"ps8816 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">inputs are based on the most relevant observable market information and can include expected cash flows, yield curves, </span></div><div class=\"ps8817 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">discount rates, growth rates, earnings multiples and the underlying assets and liabilities within a business, adjusted where </span></div><div class=\"ps8818 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">necessary for factors that specifically apply to the individual investments, sector-specific factors and recognising market </span></div><div class=\"ps10967 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">volatility and liquidity. Further details of the Group\u2019s level 3 financial instruments, valuation techniques, key valuation inputs </span></div><div class=\"ps10968 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">applied and the sensitivity of the valuation including the effect of applying reasonably possible alternative assumptions in </span></div><div class=\"ps10970 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">determining their fair value are set out in note</span><span class=\"f charStyle-33e1c6d6 ps10969\"> 13</span></div><div class=\"ps10974 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-13225c7c ps23\">Details of unlisted investments can be found </span><span class=\"f charStyle-13225c7c ps10971\">in note 23</span><span class=\"f charStyle-13225c7c ps10972\">\u00a0 with further analysis contained in the risk management note on </span><span class=\"f charStyle-13225c7c ps10973\">page 179.</span></div><div class=\"ps10975 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">The measurement of ECL has reliance on expert credit judgement. Key judgemental areas are highlighted below and are subject <span class=\"f ps2\"> </span></span></div><div class=\"ps10976 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">to robust governance processes. Key drivers of measurement uncertainty include: <span class=\"f ps2\"> </span></span></div><div class=\"ps10977 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4188\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps1121\">The assessment of staging due to a significant increase in credit risk<span class=\"f ps2\"> </span></span></div><div class=\"ps10978 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4188\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps1121\">Assessment of ECL on Stage 3 exposures, including the valuation of collateral, expected timing of cash flows, client industry <span class=\"f ps2\"> </span></span></div><div class=\"ps10979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps1121\">considerations and recovery strategies<span class=\"f ps2\"> </span></span></div><div class=\"ps10980 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4188\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps1121\">The determination of write-off points<span class=\"f ps2\"> </span></span></div><div class=\"ps10981 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4188\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps1121\">A range of forward-looking, probability-weighted macro-economic scenarios <span class=\"f ps2\"> </span></span></div><div class=\"ps10983 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4188\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps1121\">Estimations of probabilities of default, loss given default and exposures at default using models.<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps10982\"> <span class=\"f ps2\"> </span></span></div><div class=\"ps10986 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-13225c7c ps23\">Details of ECL measurement can be found in the risk management note on </span><span class=\"f charStyle-13225c7c ps10984\">pages</span><span class=\"f charStyle-13225c7c ps10985\"> 159 and 162.</span></div><div class=\"ps10987 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u25aa<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">The Group\u2019s income tax charge and balance sheet provision are judgemental in nature. This arises from certain transactions for <span class=\"f ps2\"> </span></span></div><div class=\"ps10988 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">which the ultimate tax treatment can only be determined by final resolution with the relevant local tax authorities. The Group has <span class=\"f ps2\"> </span></span></div><div class=\"ps10989 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">recognised in its current tax provision certain amounts in respect of taxation that involve a degree of estimation and uncertainty <span class=\"f ps2\"> </span></span></div><div class=\"ps10990 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">where the tax treatment cannot finally be determined until a resolution has been reached by the relevant tax authority and <span class=\"f ps2\"> </span></span></div><div class=\"ps10991 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">whether the proposed tax treatment will be accepted by the authorities. The carrying amount of this provision is sensitive to the <span class=\"f ps2\"> </span></span></div><div class=\"ps10992 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">resolution of issues, which is often dependent on the timetable and progress of discussion and negotiations with the relevant tax <span class=\"f ps2\"> </span></span></div><div class=\"ps10993 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">authorities, arbitration process and legal proceedings in the relevant tax jurisdictions in which the Group operates. Issues can <span class=\"f ps2\"> </span></span></div><div class=\"ps10994 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">take many years to resolve and assumptions on the likely outcome would therefore have to be made by the Group in order to <span class=\"f ps2\"> </span></span></div><div class=\"ps10995 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">determine if an exposure should be measured based on the most likely amount or expected value. In making any estimates, <span class=\"f ps2\"> </span></span></div><div class=\"ps10996 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">management\u2019s judgement has been based on various factors, including: <span class=\"f ps2\"> </span></span></div><div class=\"ps10997 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4188\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps1121\">The current status of tax audits and enquiries <span class=\"f ps2\"> </span></span></div><div class=\"ps10998 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4188\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps1121\">The current status of discussions and negotiations with the relevant tax authorities <span class=\"f ps2\"> </span></span></div><div class=\"ps10999 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4188\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps1121\">The results of any previous claims <span class=\"f ps2\"> </span></span></div><div class=\"ps11001 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4188\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps1121\">Any changes to the relevant tax environments.<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps11000\"> <span class=\"f ps2\"> </span></span></div><div class=\"ps11002 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">The Group operates in a legal and regulatory environment that exposes it to litigation risks. As a result, the Group is involved in </span></div><div class=\"ps11003 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">disputes and legal proceedings which arise in the ordinary course of business. The Group evaluates all facts, the probability of </span></div><div class=\"ps11004 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">the outcome of legal proceedings, commercial outcomes and advice from internal and external legal counsel when considering </span></div><div class=\"ps11005 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">the accounting implications</span></div><div class=\"ps11006 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">The Group makes use of reasonable and supportable information to make accounting judgements and estimates related to </span></div><div class=\"ps9126 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">climate change. This includes information about the observable impact of climate change on the current credit risk of clients and </span></div><div class=\"ps11007 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">the valuation of assets. Many of the effects arising from climate change will be longer term in nature, with an inherent level of </span></div><div class=\"ps11008 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">uncertainty and have a limited effect on accounting judgements and estimates for the current period.</span></div><div class=\"ps11009 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6\"><span class=\"ps23\"><span style=\"display:inline-block;height:7.75pt;width:8.5pt\"></span></span><span class=\"ps461\">The following items represent the most significant effects that climate change can have in the shorter term: </span></span></div></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4188\"> \u2013 The measurement of ECL considers the ability of borrowers to make contractual payments as and when they become due. </span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps1121\">Investec performed an assessment of specific sectors that could be most impacted by climate risk in all jurisdictions, </span></div><div class=\"ps701 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps1121\">specifically focusing on the ability of the clients in these sectors to meet their financing needs. The assessment further </span></div><div class=\"ps702 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps1121\">included a review of Investec\u2019s appetite to fund clients in the respective sectors. While these have not resulted in material </span></div><div class=\"ps3313 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps1121\">impact to ECL, the determination of the impact of these risks on PD, LGD and other inputs into the ECL calculation is ongoing</span></div><div class=\"ps706 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4188\">\u2013 The assessment of asset impairment, based on value in use, and the ability to recognise deferred tax assets are based on </span></div><div class=\"ps3314 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps1121\">future expected cash flows. The expected cash flows are based on management\u2019s best estimate of the operational results, </span></div><div class=\"ps6371 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps1121\">including the near-term impact of climate risk. The Group did not consider any additional adjustments to the cash flows to </span></div><div class=\"ps6372 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps1121\">account for this risk given the time frame of the cash flows that were considered </span></div><div class=\"ps3315 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4188\">\u2013 The use of market indicators as inputs to fair value is assumed to include current information and knowledge regarding the </span></div><div class=\"ps3316 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps1121\">effect of climate risk. </span></div><div class=\"ps11011 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-13225c7c ps23\">\u00a0 \u00a0  Refer to further analysis contained in the risk management note on </span><span class=\"f charStyle-13225c7c ps11010\">pages</span><span class=\"f charStyle-13225c7c ps3881\"> 155 to 176. </span></div><div class=\"ps11012 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\"> Critical accounting judgements are applied in these key areas: </span></div><div class=\"ps5202 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">In accordance with IFRS 10 Consolidated Financial Statements, the Group controls and consolidates an investee where the </span></div><div class=\"ps11013 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">Group has power over the entity\u2019s relevant activities, is exposed to variable returns from its involvement with the investee and </span></div><div class=\"ps11014 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">has the ability to affect the returns through its power over the entity. Determining whether the Group controls another entity </span></div><div class=\"ps11015 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">requires judgement by identifying an entity\u2019s relevant activities, being those activities that significantly affect the investee\u2019s </span></div><div class=\"ps11016 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">returns, and whether the Group controls those relevant activities by considering the rights attached to both current and potential </span></div><div class=\"ps11018 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">voting rights, de facto control and other contractual rights including whether such rights are substantive.</span><span class=\"f charStyle-33e1c6d6 ps11017\"> </span></div><div class=\"ps11023 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps2861\">\u00a0 \u00a0 </span><span class=\"f charStyle-13225c7c ps11019\">Details<span id=\"ia190542f16724d799870dfe035dbbe22_51390\"></span></span><span class=\"f charStyle-13225c7c ps11020\"> of subsidiaries can be found in </span><span class=\"f charStyle-13225c7c ps11021\">note</span><span class=\"f charStyle-13225c7c ps11022\"> 49.</span></div><div class=\"ps11024 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">On the basis of current financial projections and having made appropriate enquiries, the directors have a reasonable expectation </span></div><div class=\"ps11028 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">that the Group has adequate resources to continue in operational existence up to</span><span class=\"f charStyle-33e1c6d6 ps11025\"> </span><span class=\"f charStyle-33e1c6d6 ps11026\">12\u00a0June 2027</span><span class=\"f charStyle-33e1c6d6 ps11027\">, which is a period of 12 months </span></div><div class=\"ps11029 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">from the date of issue of the financial statements. Accordingly, the going concern basis is adopted in the preparation of the </span></div><div class=\"ps11030 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">financial statements.</span></div><div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_376\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">44<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16123\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16124\">Commitments, contingent liabilities and provisions<span class=\"f ps2\"> </span></span></div><div class=\"ps11275 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-8d4b9b37 ps9195\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Undrawn facilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps12462 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.84pt\"></span></span><span class=\"ps16125\">2\u00a0800\u00a0803<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps12463 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13pt\"></span></span><span class=\"ps5507\">2\u00a0477\u00a0158<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3425 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Guarantees^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14747 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.41pt\"></span></span><span class=\"ps8328\">83\u00a0647<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14748 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.16pt\"></span></span><span class=\"ps16126\">110\u00a0143<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps6433 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Irrevocable letters of credit^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14749 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.2pt\"></span></span><span class=\"ps9596\">312\u00a0762<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14751 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.98pt\"></span></span><span class=\"ps99\">461\u00a0265<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14752 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Commitments in scope of IFRS 9<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14753 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.22pt\"></span></span><span class=\"ps15684\">3\u00a0197\u00a0212<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14754 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.49pt\"></span></span><span class=\"ps16127\">3\u00a0048\u00a0566<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14755 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other commitments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14757 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.39pt\"></span></span><span class=\"ps2828\">59\u00a0331<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14759 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.63pt\"></span></span><span class=\"ps16128\">65\u00a0550<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14760 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.06pt\"></span></span><span class=\"ps16129\">3\u00a0256\u00a0543<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14761 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.7pt\"></span></span><span class=\"ps16130\">3\u00a0114\u00a0116<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps16131 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^ <span style=\"display:inline-block;height:5.81pt;width:9.82pt\"></span></span></span><span class=\"f charStyle-207fba8f ps968\">Guarantees and irrevocable letters of credit have been disaggregated in the current year and the prior year has been re-presented to align with risk disclosures.</span></div><div class=\"ps16132 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Guarantees are issued by Investec Bank plc on behalf of third parties and other Group companies. The guarantees are issued as </span></div><div class=\"ps16133 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">part of the banking business.</span></div><div class=\"ps16134 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Support is provided by Investec Bank plc to its subsidiaries where appropriate.</span></div><div class=\"ps1772 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Expected credit losses (ECL) of \u00a39 million (</span><span class=\"f charStyle-33e1c6d6 ps16135\">2025</span><span class=\"f charStyle-33e1c6d6 ps16136\">: \u00a38 million) arising on undrawn facilities and \u00a31 million (</span><span class=\"f charStyle-33e1c6d6 ps16137\">2025</span><span class=\"f charStyle-33e1c6d6 ps16138\">: \u00a32 million) arising on </span></div><div class=\"ps16143 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">guarantees and letters of credit are reported in other liabilities. For further details refer to </span><span class=\"f charStyle-33e1c6d6 ps16139\">page</span><span class=\"f charStyle-33e1c6d6 ps16140\"> </span><span class=\"f charStyle-c4fc3a3f ps16141\"><a class=\"Hyperlink\" href=\"#i0331dd6885fe4f23b3cba74a014792f1_9224\" style=\"z-index:1\">168</a></span><span class=\"f charStyle-33e1c6d6 ps16142\"> of the Investec Group\u2019s 2026 </span></div><div class=\"ps16144 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">risk and governance report.</span></div><div class=\"ps16145 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In addition to guarantees, irrevocable letters of credit, credit derivative instruments, undrawn facilities and other commitments, the </span></div><div class=\"ps16152 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group includes in its off-balance sheet exposures for risk management purposes</span><span class=\"f charStyle-33e1c6d6 ps16146\"> \u00a3</span><span class=\"f charStyle-33e1c6d6 ps16147\">75 </span><span class=\"f charStyle-33e1c6d6 ps16148\">million</span><span class=\"f charStyle-33e1c6d6 ps16149\"> (</span><span class=\"f charStyle-33e1c6d6 ps16150\">2025</span><span class=\"f charStyle-33e1c6d6 ps16151\">: \u00a372 million) of potential or </span></div><div class=\"ps16153 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">revocable exposures and similar arrangements that may arise in future, resulting in additional credit risk. </span></div><div class=\"ps16154 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Financial Services Compensation Scheme</span></div><div class=\"ps16155 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Financial Services Compensation Scheme (FSCS), the UK\u2019s statutory fund of last resort, provides compensation to customers </span></div><div class=\"ps16156 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of UK authorised financial institutions in the event that an institution which is a participating member of the FSCS is unable, or is </span></div><div class=\"ps16157 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">likely to be unable, to pay claims against it.</span></div><div class=\"ps9093 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The FSCS raises annual levies from participating members based on their level of participation (in the case of deposits, the </span></div><div class=\"ps16158 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">proportion that their protected deposits represent to total protected deposits) as at 31 December of the year preceding the </span></div><div class=\"ps16159 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">scheme year. Investec Bank plc is a participating member of the FSCS.</span></div><div class=\"ps16160 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">At the date of these financial statements, it is not possible to estimate whether there will ultimately be additional levies on the </span></div><div class=\"ps16161 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">industry, the level of the Group\u2019s market participation or other factors that may affect the amounts or timing of amounts that may </span></div><div class=\"ps16162 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">ultimately become payable, nor the effect that such levies may have upon operating results in any particular financial period.</span></div><div class=\"ps16163 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Legal and regulatory matters</span></div><div class=\"ps16164 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group operates in a legal and regulatory environment that exposes it to legal, regulatory and litigation risks. As a result, the </span></div><div class=\"ps16165 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group is involved in disputes, legal proceedings and is subject to enquiries and examinations, requests for information, audits, </span></div><div class=\"ps16166 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">investigations and other proceedings by regulators and competition authorities which arise in the ordinary course of business. The </span></div><div class=\"ps16167 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group evaluates all facts, the probability of the outcome of the proceedings and advice from internal and external legal counsel </span></div><div class=\"ps16168 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">when considering accounting and regulatory implications. At the present time, the Group does not expect the ultimate resolution of </span></div><div class=\"ps16170 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps2861\">any of these ongoing regulatory reviews and other matters to have a material adverse effect on its financial position.</span><span class=\"f charStyle-4646bb92 ps16169\"> </span></div><div class=\"ps16171 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Historical German dividend tax arbitrage transactions </span></div><div class=\"ps16172 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec Bank plc has previously been notified by the Office of the Public Prosecutor in Cologne, Germany, that it and certain of its </span></div><div class=\"ps16173 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">current and former employees may be involved in possible charges relating to historical involvement in German dividend tax </span></div><div class=\"ps16174 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">arbitrage transactions (known as cum-ex transactions). Investigations are ongoing and no formal proceedings have been issued </span></div><div class=\"ps16175 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">against Investec Bank plc by the Office of the Public Prosecutor. In addition, Investec Bank plc received certain enquiries in respect </span></div><div class=\"ps16176 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of client tax reclaims for the periods 2010-2011 relating to the historical German dividend arbitrage transactions from the German </span></div><div class=\"ps16177 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Federal Tax Office (FTO) in Bonn. The FTO provided more information in relation to their claims and Investec Bank plc has sought </span></div><div class=\"ps16178 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">further information and clarification. </span></div><div class=\"ps16179 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec Bank plc is cooperating with the German authorities and continues to conduct its own internal investigation into the </span></div><div class=\"ps16180 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">matters in question. A provision is held to reflect the estimate of financial outflows that could arise as a result of this matter and is </span></div><div class=\"ps16181 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reassessed at each reporting date. There are factual issues to be resolved which may have legal consequences, including financial </span></div><div class=\"ps16182 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">penalties. </span></div><div class=\"ps16183 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In relation to potential civil claims; whilst Investec Bank plc is not a claimant nor a defendant to any civil claims in respect of cum-ex </span></div><div class=\"ps16184 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">transactions, Investec Bank plc has received third party notices in relation to two civil proceedings in Germany and may elect to join </span></div><div class=\"ps16185 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the proceedings as a third party participant. Investec Bank plc has itself served third party notices on various participants to these </span></div><div class=\"ps16186 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">historic transactions in order to preserve the statute of limitations on any potential future claims that Investec Bank plc may seek to </span></div><div class=\"ps16187 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">bring against those parties, should Investec Bank plc incur any liability in the future. Investec Bank plc has also entered into </span></div><div class=\"ps16188 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">standstill agreements with some third parties in order to suspend the limitation period in respect of the potential civil claims. While </span></div><div class=\"ps16189 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec Bank plc is not a claimant nor a defendant to any civil claims at this stage, it cannot rule out the possibility of civil claims by </span></div><div class=\"ps16190 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">or against Investec Bank plc in future in relation to the relevant transactions. </span></div><div class=\"ps16191 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group has not provided further disclosure with respect to these historical dividend arbitrage transactions because it has </span></div><div class=\"ps16192 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">concluded that such disclosure may be expected to seriously prejudice its outcome.</span></div></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">44</span><span class=\"f charStyle-f6a3ab10 ps16123\">. </span><span class=\"f charStyle-f6a3ab10 ps16124\">Commitments, contingent liabilities and provisions</span><span class=\"f charStyle-f6a3ab10 ps16193\"> (continued)</span></div><div class=\"ps979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Motor finance commission review </span></div><div class=\"ps16194 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Investec Group (the Group) notes the FCA\u2019s announcement on 30 March 2026 regarding the final scope of the Motor Finance </span></div><div class=\"ps16195 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">compensation scheme, following the Supreme Court judgement handed down on 1 August 2025, and has undertaken an </span></div><div class=\"ps16196 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">assessment of the implications and potential impact of the proposed redress scheme.</span></div><div class=\"ps16197 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">As previously disclosed, in determining its existing provision the Group considered a range of scenarios to reflect uncertainties in </span></div><div class=\"ps16198 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">key assumptions, including potential regulatory responses and redress outcomes. The FCA has now provided further detail on the </span></div><div class=\"ps16199 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">approach, including the products in scope, the circumstances in which inadequate disclosure may give rise to an unfair relationship, </span></div><div class=\"ps16200 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the methodology for calculating redress, and the proposed customer engagement approach and time limits.</span></div><div class=\"ps16201 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Based on the scheme as currently proposed, the Group has concluded that its existing provision of \u00a330million, covering both </span></div><div class=\"ps16202 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">redress and associated operational costs, remains appropriate based on information currently available and our estimate of a </span></div><div class=\"ps16203 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">potential response rate. The ultimate financial impact could differ from these estimates as a result of customer take-up rates and </span></div><div class=\"ps16204 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the associated impact on operational costs; however, we do not believe this will impact the overall provision materially.</span></div><div class=\"ps16205 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group notes that the FCA\u2019s scheme is subject to ongoing legal challenges which, if successful, may materially affect the </span></div><div class=\"ps16206 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">design, implementation or existence of any redress framework. Accordingly, the legal and regulatory position, as well as the nature, </span></div><div class=\"ps16207 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">extent and timing of any remediation, remain materially uncertain pending the outcome of this challenge.</span></div><div class=\"ps21161 ss8\"><div class=\"ss2258 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:133.5pt\"></td></tr><tr style=\"height:18.75pt\"><td style=\"padding:0\"><div class=\"ps19 ss2259\"><div><div class=\"ps18156 ss2258\"><span class=\"f charStyle-b9f48ea1 ps7\">Key judgements<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21162 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The measurement of ECL has reliance on expert credit </span></div><div class=\"ps21163 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">judgement. Key judgemental areas are highlighted below and <span class=\"f ps2\"> </span></span></div><div class=\"ps21164 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">are subject to robust governance processes. Key drivers of </span></div><div class=\"ps21165 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">measurement uncertainty include:<span class=\"f ps2\"> </span></span></div><div class=\"ps21166 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">The assessment of a significant increase in credit risk<span class=\"f ps2\"> </span></span></div><div class=\"ps21167 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">A range of forward-looking probability weighted macro-<span class=\"f ps2\"> </span></span></div><div class=\"ps21168 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">economic scenarios</span></div><div class=\"ps21169 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Estimations of probabilities of default, loss given default and </span></div><div class=\"ps21170 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">exposures at default using models.</span></div><div class=\"ps21171 ss8\"><div class=\"ss222 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:20.25pt\"></td><td style=\"padding:0;width:214.5pt\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss1214\"><div><div class=\"ps28 ss92\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Page_references.svg\" id=\"i-191\" src=\"data:image/svg+xml;base64,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\" style=\"height:15.59pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps387 ss2260\"><div><div class=\"ps472 ss601\"><span class=\"f charStyle-2b0f4fe0 ps7\">For further detail on our process for determining ECL <span class=\"f ps2\"> </span></span></div><div class=\"ps5741 ss601\"><span class=\"f charStyle-2b0f4fe0 ps7\">please refer to page 80.<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps74\">Key judgements<span id=\"i91b264f798f74674a4826bdb70aa144f_1665\"></span><span id=\"i91b264f798f74674a4826bdb70aa144f_1666\"></span></span><span class=\"f charStyle-21b4da98 ps21172\"> at </span><span class=\"f charStyle-21b4da98 ps21173\">31 March 2026</span></div><div class=\"ps10770 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Key judgemental areas under IFRS 9 are subject to robust </span></div><div class=\"ps10771 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">governance processes. At 31 March 2026, the composition and </span></div><div class=\"ps19160 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">weightings of the forward-looking macro-economic scenarios </span></div><div class=\"ps19161 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">were revised to reflect the current pressures in the macro-</span></div><div class=\"ps19162 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">economic environment, however there remains reliance on </span></div><div class=\"ps19163 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">expert credit judgements to ensure that the overall level of ECL </span></div><div class=\"ps19164 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">is reasonable.</span></div><div class=\"ps21174 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">The recalibration of models in preparation for IRB adoption, </span></div><div class=\"ps19440 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">together with adjustments to address known model </span></div><div class=\"ps19447 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">implementation deficiencies, resulted in an increase in ECL of </span></div><div class=\"ps21175 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">\u00a33.7 million during the year. This was offset by the full release </span></div><div class=\"ps21176 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">of the management overlay (31 March 2025: \u00a33.7 million), which </span></div><div class=\"ps19169 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">had previously been maintained to capture uncertainty in the </span></div><div class=\"ps19170 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">models\u2019 predictive capability.</span></div><div class=\"ps21177 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps74\">Macro-economic sensitivities</span></div><div class=\"ps21178 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps74\">Changes in macro-economic scenarios and weightings may </span></div><div class=\"ps10784 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps74\">result in the volatility of provisions, particularly to Stage 1 and 2 </span></div><div class=\"ps21179 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps74\">assets. Sensitivities to macro-economic scenarios and factors </span></div><div class=\"ps21180 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps74\">form part of our overall risk monitoring, in particular the Bank\u2019s </span></div><div class=\"ps10786 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps74\">potential ECLs if each scenario were given a 100% weighting. In </span></div><div class=\"ps21181 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps74\">these instances all non-modelled ECLs, including credit </span></div><div class=\"ps21182 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps74\">assessed ECLs and other management judgements remain </span></div><div class=\"ps21183 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps74\">unchanged.</span></div><div class=\"ps21184 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">The total reported ECL at 31 March 2026 amounted to \u00a3217 </span></div><div class=\"ps21185 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">million (31 March 2025: \u00a3187 million). The table below </span></div><div class=\"ps21186 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">summarises the variance from reported ECL should the base </span></div><div class=\"ps21187 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">case and two downside cases be weighted by 100%. Whilst the </span></div><div class=\"ps21188 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">outputs from these 100% weighted scenarios are consistent </span></div><div class=\"ps21189 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">with the macro-economic factor inputs set out in the context of </span></div><div class=\"ps21190 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">each scenario, in practice the outcome could differ due to </span></div><div class=\"ps21191 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">management actions or other key judgements applied.</span></div><div class=\"ps21200 ss8\"><div class=\"ss222 ws0 ps89\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:187.5pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:32.25pt\"><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss2262\"><div><div class=\"ps12002 ss2261\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">At </span><span class=\"f charStyle-ef17fa27 ps13038\">31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21196 ss2263\"><div><div class=\"ps12008 ss99\"><span class=\"f charStyle-ef17fa27 ps21192\">(Increased)</span></div><div class=\"ps12003 ss99\"><span class=\"f charStyle-ef17fa27 ps21193\">/decreased </span></div><div class=\"ps12004 ss99\"><span class=\"f charStyle-ef17fa27 ps21194\">change in </span></div><div class=\"ps12006 ss99\"><span class=\"f charStyle-ef17fa27 ps21195\">reported </span></div><div class=\"ps12002 ss99\"><span class=\"f charStyle-ef17fa27 ps8377\">ECL</span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps2487 ss2264\"><div><div class=\"ps2158 ss2261\"><span class=\"f charStyle-2b0f4fe0 ps7\">Base case (100%)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps21197 ss850\"><div><div class=\"ps2158 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.01pt\"></span></span><span class=\"ps9510\">9.4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3458 ss2265\"><div><div class=\"ps4184 ss2261\"><span class=\"f charStyle-2b0f4fe0 ps7\">Severe downside 1 (100%)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21198 ss855\"><div><div class=\"ps4184 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.79pt\"></span></span><span class=\"ps10386\">(30.8)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3463 ss2265\"><div><div class=\"ps4184 ss2261\"><span class=\"f charStyle-2b0f4fe0 ps7\">Downside 2 (100%)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21199 ss855\"><div><div class=\"ps4184 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.65pt\"></span></span><span class=\"ps14687\">(6.5)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps21209 ss8\"><div class=\"ss222 ws0 ps89\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:190.5pt\"></td><td style=\"padding:0;width:44.25pt\"></td></tr><tr style=\"height:42pt\"><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss2267\"><div><div class=\"ps14216 ss2266\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">At </span><span class=\"f charStyle-ef17fa27 ps13038\">31 March 2025</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21203 ss2268\"><div><div class=\"ps19959 ss99\"><span class=\"f charStyle-6f1c08a8 ps21201\">(Increased)/</span></div><div class=\"ps19947 ss99\"><span class=\"f charStyle-6f1c08a8 ps16739\">decreased </span></div><div class=\"ps19948 ss99\"><span class=\"f charStyle-6f1c08a8 ps21202\">change in </span></div><div class=\"ps19950 ss99\"><span class=\"f charStyle-6f1c08a8 ps13450\">reported </span></div><div class=\"ps19951 ss99\"><span class=\"f charStyle-6f1c08a8 ps9544\">ECL</span></div></div></div></td></tr><tr style=\"height:9pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21204 ss2269\" style=\"overflow:hidden\"><div><div class=\"ps2467 ss99\"><span class=\"f charStyle-8d4b9b37 ps13474\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3564 ss2270\"><div><div class=\"ps2158 ss2266\"><span class=\"f charStyle-2b0f4fe0 ps7\">Base case (100%)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps21205 ss850\"><div><div class=\"ps2158 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.36pt\"></span></span><span class=\"ps13900\">9.1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps216 ss2271\"><div><div class=\"ps4184 ss2266\"><span class=\"f charStyle-2b0f4fe0 ps7\">Downside 1 - trade war (100%)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21206 ss855\"><div><div class=\"ps4184 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.08pt\"></span></span><span class=\"ps9472\">(26.5)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14634 ss2271\"><div><div class=\"ps4184 ss2266\"><span class=\"f charStyle-2b0f4fe0 ps7\">Downside 2 - global synchronised downturn (100%)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21208 ss855\"><div><div class=\"ps4184 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.19pt\"></span></span><span class=\"ps21207\">(16.8)</span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAccountingJudgementsAndEstimatesExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-889": {
   "value": "Key areas of estimation uncertainty include:\u2022 In accordance with IFRS 13 Fair Value Measurement, the Group categorises financial instruments carried on the 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 judgement applied in determining fair value. However, the fair value of financial instruments categorised as level 2 and, in particular, level 3 are determined using valuation techniques including discounted cash flow analysis, price-earnings multiples, net asset value and complex valuation models. The valuation techniques for level 3 financial instruments involve management judgement and estimates, the extent of which depends on the complexity of the instrument, counterparty and own credit risk, funding cost, low levels of market liquidity, and the availability of market observable information. In particular, significant uncertainty exists in the valuation of unlisted investments and fair value loans in the private equity and direct investments portfolios. The estimation of fair value is subject to an uncertain economic outlook. Key valuation inputs are based on the most relevant observable market information and can include expected cash flows, yield curves, discount rates, growth rates, earnings multiples and the underlying assets and liabilities within a business, adjusted where necessary for factors that specifically apply to the individual investments, sector-specific factors and recognising market volatility and liquidity. Further details of the Group\u2019s level 3 financial instruments, valuation techniques, key valuation inputs applied and the sensitivity of the valuation including the effect of applying reasonably possible alternative assumptions in determining their fair value are set out in note 13Details of unlisted investments can be found in note 23\u00a0 with further analysis contained in the risk management note on page 179.\u2022 The measurement of ECL has reliance on expert credit judgement. Key judgemental areas are highlighted below and are subject  to robust governance processes. Key drivers of measurement uncertainty include:  \u2013 The assessment of staging due to a significant increase in credit risk \u2013 Assessment of ECL on Stage 3 exposures, including the valuation of collateral, expected timing of cash flows, client industry  considerations and recovery strategies \u2013 The determination of write-off points \u2013 A range of forward-looking, probability-weighted macro-economic scenarios  \u2013 Estimations of probabilities of default, loss given default and exposures at default using models.   Details of ECL measurement can be found in the risk management note on pages 159 and 162.\u25aa The Group\u2019s income tax charge and balance sheet provision are judgemental in nature. This arises from certain transactions for  which the ultimate tax treatment can only be determined by final resolution with the relevant local tax authorities. The Group has  recognised in its current tax provision certain amounts in respect of taxation that involve a degree of estimation and uncertainty  where the tax treatment cannot finally be determined until a resolution has been reached by the relevant tax authority and  whether the proposed tax treatment will be accepted by the authorities. The carrying amount of this provision is sensitive to the  resolution of issues, which is often dependent on the timetable and progress of discussion and negotiations with the relevant tax  authorities, arbitration process and legal proceedings in the relevant tax jurisdictions in which the Group operates. Issues can  take many years to resolve and assumptions on the likely outcome would therefore have to be made by the Group in order to  determine if an exposure should be measured based on the most likely amount or expected value. In making any estimates,  management\u2019s judgement has been based on various factors, including:  \u2013 The current status of tax audits and enquiries  \u2013 The current status of discussions and negotiations with the relevant tax authorities  \u2013 The results of any previous claims  \u2013 Any changes to the relevant tax environments.   \u2022 The Group operates in a legal and regulatory environment that exposes it to litigation risks. As a result, the Group is involved in disputes and legal proceedings which arise in the ordinary course of business. The Group evaluates all facts, the probability of the outcome of legal proceedings, commercial outcomes and advice from internal and external legal counsel when considering the accounting implications\u2022 The Group makes use of reasonable and supportable information to make accounting judgements and estimates related to climate change. This includes information about the observable impact of climate change on the current credit risk of clients and the valuation of assets. Many of the effects arising from climate change will be longer term in nature, with an inherent level of uncertainty and have a limited effect on accounting judgements and estimates for the current period.The following items represent the most significant effects that climate change can have in the shorter term:  \u2013 The measurement of ECL considers the ability of borrowers to make contractual payments as and when they become due. Investec performed an assessment of specific sectors that could be most impacted by climate risk in all jurisdictions, specifically focusing on the ability of the clients in these sectors to meet their financing needs. The assessment further included a review of Investec\u2019s appetite to fund clients in the respective sectors. While these have not resulted in material impact to ECL, the determination of the impact of these risks on PD, LGD and other inputs into the ECL calculation is ongoing\u2013 The assessment of asset impairment, based on value in use, and the ability to recognise deferred tax assets are based on future expected cash flows. The expected cash flows are based on management\u2019s best estimate of the operational results, including the near-term impact of climate risk. The Group did not consider any additional adjustments to the cash flows to account for this risk given the time frame of the cash flows that were considered \u2013 The use of market indicators as inputs to fair value is assumed to include current information and knowledge regarding the effect of climate risk.",
   "dimensions": {
    "concept": "ifrs-full:ExplanationOfAssumptionAboutFutureWithSignificantRiskOfResultingInMaterialAdjustments",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-890": {
   "value": "<div class=\"ps11036 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">1<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11032\">.<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11033\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11034\">Segmental business analysis \u2013 income statement <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11035\">\u00a0 \u00a0 </span></div><div class=\"ps11037 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Wealth &amp; Investment<span class=\"f ps2\"> </span></span></div><div class=\"ps11042 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Wealth &amp; Investment<span class=\"f ps2\"> </span></span><span class=\"f charStyle-21b4da98 ps11038\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps11039\">includes </span><span class=\"f charStyle-33e1c6d6 ps11040\">our share of<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps11041\"> equity accounted earnings of the combined Rathbones Group, and IBSAG which houses <span class=\"f ps2\"> </span></span></div><div class=\"ps11044 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps2861\">our Swiss wealth business<span class=\"f ps2\"> </span></span><span class=\"f charStyle-4646bb92 ps11043\">.<span class=\"f ps2\"> </span></span></div><div class=\"ps11045 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Private Banking<span class=\"f ps2\"> </span></span></div><div class=\"ps11046 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Our Private Banking business in the UK comprises lending (primarily residential mortgages), savings and transactional banking <span class=\"f ps2\"> </span></span></div><div class=\"ps11047 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">(including international payments) to HNW clients, coupled with bespoke foreign exchange and financing solutions for qualifying <span class=\"f ps2\"> </span></span></div><div class=\"ps11048 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">HNW clients.</span></div><div class=\"ps11049 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Corporate, Investment Banking and Other<span class=\"f ps2\"> </span></span></div><div class=\"ps11050 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Our Corporate and Investment Banking businesses comprises business activities that provide lending, advisory and risk <span class=\"f ps2\"> </span></span></div><div class=\"ps11051 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">management services to growth-orientated corporate clients in the private companies, private equity and listed companies arenas, </span></div><div class=\"ps11052 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">including specialist sector-focused expertise. This segment also includes our central treasury and liability management channels.</span></div><div class=\"ps11053 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Group Investments<span class=\"f ps2\"> </span></span></div><div class=\"ps11054 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Assets in this segment have been separated from our core banking activities in order to make a more meaningful assessment of the <span class=\"f ps2\"> </span></span></div><div class=\"ps11055 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">underlying performance and value of the franchise businesses, and at the same time provide transparency of the standalone values <span class=\"f ps2\"> </span></span></div><div class=\"ps11056 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of the assets classified as Group Investments.<span class=\"f ps2\"> </span></span></div><div class=\"ps11057 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Group Costs</span></div><div class=\"ps11059 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-630618af ps23\"><span style=\"background-color:inherit\">G</span><span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps11058\">roup costs are disclosed separately and include executive and support functions which are associated with Group-level activities. <span class=\"f ps2\"> </span></span></div><div class=\"ps11060 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">These costs are not incurred by the operating divisions and are necessary to support the operational functioning of the Group.<span class=\"f ps2\"> </span></span></div><div class=\"ps11061 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Adjusted operating profit<span class=\"f ps2\"> </span></span></div><div class=\"ps11063 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Management\u2019s measure of operating profit, \u2018adjusted operating profit\u2019, is calculated based on </span><span class=\"f charStyle-33e1c6d6 ps11062\">profit<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps2672\"> before taxation, adjusted to </span></div><div class=\"ps11064 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">remove goodwill, acquired intangibles and strategic actions, including such items within equity accounted earnings, and non-</span></div><div class=\"ps11065 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">controlling interests.</span></div><div class=\"ps11098 ss8\"><div class=\"ss47 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:372pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss1615\"><div><div class=\"ps809 ss1614\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11071 ss1616\"><div><div class=\"ps11070 ss1308\"><span class=\"f charStyle-a26246ce ps11069\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"padding:0\"><div class=\"ps11073 ss1616\"><div><div class=\"ps11070 ss1308\"><span class=\"f charStyle-8d4b9b37 ps11072\">2025<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps816 ss1617\"><div><div class=\"ps4014 ss1614\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3664 ss1618\"><div><div class=\"ps997 ss1614\"><span class=\"f charStyle-b7f6e8e5 ps7\">Profit before taxation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps11075 ss1313\"><div><div class=\"ps997 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.44pt\"></span></span><span class=\"ps11074\">413\u00a0937<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps11076 ss1313\"><div><div class=\"ps997 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.07pt\"></span></span><span class=\"ps9530\">405\u00a0823<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps824 ss1615\"><div><div class=\"ps815 ss1614\"><span class=\"f charStyle-2b0f4fe0 ps7\">Financial impact of strategic actions*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11078 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.52pt\"></span></span><span class=\"ps11077\">19\u00a0119<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11080 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.92pt\"></span></span><span class=\"ps11079\">19\u00a0993<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps830 ss1615\"><div><div class=\"ps815 ss1614\"><span class=\"f charStyle-2b0f4fe0 ps7\">Adjustments related to equity accounted earnings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11082 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.29pt\"></span></span><span class=\"ps11081\">29\u00a0579<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11083 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.57pt\"></span></span><span class=\"ps2466\">34\u00a0299<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps837 ss1615\"><div><div class=\"ps815 ss1614\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Amortisation of acquired intangibles<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11084 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.01pt\"></span></span><span class=\"ps9715\">15\u00a0048<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11086 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.49pt\"></span></span><span class=\"ps11085\">6\u00a0312<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps843 ss1615\"><div><div class=\"ps815 ss1614\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Acquisition related and integration costs of associate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11087 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.14pt\"></span></span><span class=\"ps8414\">14\u00a0531<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps11089 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.52pt\"></span></span><span class=\"ps11088\">27\u00a0987<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps849 ss1615\"><div><div class=\"ps815 ss1614\"><span class=\"f charStyle-2b0f4fe0 ps7\">Less: profit attributable to non-controlling interests<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11091 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.56pt\"></span></span><span class=\"ps11090\">(355)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11093 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">(12)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps853 ss1615\"><div><div class=\"ps815 ss1614\"><span class=\"f charStyle-b7f6e8e5 ps7\">Adjusted operating profit <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps11095 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17pt\"></span></span><span class=\"ps11094\">462\u00a0280<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps11097 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.62pt\"></span></span><span class=\"ps11096\">460\u00a0103<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps11099 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Included within this line in the current year are movements in value on deferred considerations on various transactions, continuing integration costs resulting from the </span></span></div><div class=\"ps11100 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">Rathbones deal as well as various capital costs incurred in contemplation of potential transactions.</span></div><div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">1</span><span class=\"f charStyle-f6a3ab10 ps11032\">. </span><span class=\"f charStyle-f6a3ab10 ps11034\">Segmental business analysis \u2013 income statement </span><span class=\"f charStyle-f6a3ab10 ps11035\">(continued)<span class=\"f ps2\"> </span></span></div><div class=\"ps11275 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:140.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps11102 ss1620\"><div><div class=\"ps809 ss1514\"><span class=\"f charStyle-a26246ce ps11101\">Specialist Banking<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-left:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps11103 ss1620\"><div><div class=\"ps809 ss1514\"><span class=\"f charStyle-a26246ce ps838\">Private Client<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"3\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11106 ss1621\"><div><div class=\"ps8329 ss296\"><span class=\"f charStyle-8d4b9b37 ps11104\">Corporate, <span class=\"f ps2\"> </span></span></div><div class=\"ps8331 ss296\"><span class=\"f charStyle-8d4b9b37 ps11105\">Investment <span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss296\"><span class=\"f charStyle-8d4b9b37 ps8554\">Banking and <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss296\"><span class=\"f charStyle-8d4b9b37 ps953\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" rowspan=\"3\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11109 ss1621\"><div><div class=\"ps8325 ss296\"><span class=\"f charStyle-8d4b9b37 ps11107\">Group <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss296\"><span class=\"f charStyle-8d4b9b37 ps11108\">Investments<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" rowspan=\"3\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11111 ss1621\"><div><div class=\"ps8325 ss296\"><span class=\"f charStyle-8d4b9b37 ps11107\">Group<span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss296\"><span class=\"f charStyle-8d4b9b37 ps11110\"> Costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps817 ss1622\"><div><div class=\"ps809 ss314\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31\u00a0March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11115 ss1623\"><div><div class=\"ps11112 ss296\"><span class=\"f charStyle-8d4b9b37 ps2197\">Wealth &amp;<span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss296\"><span class=\"f charStyle-8d4b9b37 ps11113\"> Investment<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11117 ss1623\"><div><div class=\"ps11114 ss296\"><span class=\"f charStyle-8d4b9b37 ps11116\">Private Banking<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps823 ss1623\"><div><div class=\"ps11112 ss296\"><span class=\"f charStyle-a26246ce ps11118\">Total<span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss296\"><span class=\"f charStyle-a26246ce ps11119\"> Group<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps824 ss1622\"><div><div class=\"ps809 ss314\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps830 ss1624\"><div><div class=\"ps997 ss314\"><span class=\"f charStyle-2b0f4fe0 ps7\">Net interest income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11121 ss301\"><div><div class=\"ps997 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.12pt\"></span></span><span class=\"ps11120\">6\u00a0128<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11123 ss301\"><div><div class=\"ps997 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.78pt\"></span></span><span class=\"ps11122\">76\u00a0528<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11125 ss301\"><div><div class=\"ps997 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.58pt\"></span></span><span class=\"ps11124\">638\u00a0620<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11127 ss301\"><div><div class=\"ps997 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11128 ss301\"><div><div class=\"ps997 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps836 ss301\"><div><div class=\"ps997 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.69pt\"></span></span><span class=\"ps11129\">721\u00a0276<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4003 ss1622\"><div><div class=\"ps815 ss314\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fee and commission income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11131 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.56pt\"></span></span><span class=\"ps11130\">12\u00a0292<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11133 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.98pt\"></span></span><span class=\"ps11132\">1\u00a0094<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11135 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.74pt\"></span></span><span class=\"ps11134\">214\u00a0948<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"padding:0\"><div class=\"ps11136 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"padding:0\"><div class=\"ps11137 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11139 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.35pt\"></span></span><span class=\"ps11138\">228\u00a0334<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4562 ss1622\"><div><div class=\"ps815 ss314\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fee and commission expense<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11141 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.19pt\"></span></span><span class=\"ps11140\">(855)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11143 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.55pt\"></span></span><span class=\"ps11142\">(26)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11145 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.67pt\"></span></span><span class=\"ps11144\">(20\u00a0608)</span></span></div></div></div></td><td colspan=\"2\" style=\"padding:0\"><div class=\"ps11146 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"padding:0\"><div class=\"ps11147 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11149 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.84pt\"></span></span><span class=\"ps11148\">(21\u00a0489)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9218 ss1622\"><div><div class=\"ps815 ss314\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11151 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.57pt\"></span></span><span class=\"ps11150\">3<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11152 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11154 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.67pt\"></span></span><span class=\"ps11153\">49\u00a0579<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"padding:0\"><div class=\"ps11156 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.11pt\"></span></span><span class=\"ps11155\">11\u00a0907<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"padding:0\"><div class=\"ps11157 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11159 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.43pt\"></span></span><span class=\"ps11158\">61\u00a0489<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:30pt\"><td style=\"padding:0\"><div class=\"ps9225 ss1625\"><div><div class=\"ps815 ss314\"><span class=\"f charStyle-2b0f4fe0 ps7\">Share of post-taxation operating <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss314\"><span class=\"f charStyle-2b0f4fe0 ps7\">profit\u00a0of associates and joint <span class=\"f ps2\"> </span></span></div><div class=\"ps8432 ss314\"><span class=\"f charStyle-2b0f4fe0 ps7\">venture\u00a0holdings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11161 ss1626\"><div><div class=\"ps8432 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.63pt\"></span></span><span class=\"ps11160\">80\u00a0897<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11162 ss1626\"><div><div class=\"ps8432 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11164 ss1626\"><div><div class=\"ps8432 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30pt\"></span></span><span class=\"ps11163\">8\u00a0965<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"padding:0\"><div class=\"ps11165 ss1626\"><div><div class=\"ps8432 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"padding:0\"><div class=\"ps11166 ss1626\"><div><div class=\"ps8432 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11168 ss1626\"><div><div class=\"ps8432 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.31pt\"></span></span><span class=\"ps11167\">89\u00a0862<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4288 ss1622\"><div><div class=\"ps815 ss314\"><span class=\"f charStyle-2b0f4fe0 ps7\">Trading income/(loss) arising from<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td colspan=\"2\" style=\"padding:0\"></td><td colspan=\"2\" style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4294 ss1622\"><div><div class=\"ps815 ss314\"><span class=\"f charStyle-9458d4de ps680\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps681\">customer flow<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11169 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.12pt\"></span></span><span class=\"ps11120\">1\u00a0686<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11170 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.75pt\"></span></span><span class=\"ps10280\">3\u00a0144<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11171 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.2pt\"></span></span><span class=\"ps10492\">86\u00a0664<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"padding:0\"><div class=\"ps11172 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"padding:0\"><div class=\"ps11173 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11175 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.32pt\"></span></span><span class=\"ps11174\">91\u00a0494<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps4301 ss1627\"><div><div class=\"ps815 ss314\"><span class=\"f charStyle-9458d4de ps680\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps681\">balance sheet management and <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss314\"><span class=\"f charStyle-9458d4de ps681\">other trading activities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11177 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.41pt\"></span></span><span class=\"ps11176\">(39)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11179 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.37pt\"></span></span><span class=\"ps11178\">61<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11180 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.83pt\"></span></span><span class=\"ps2228\">6\u00a0008<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"padding:0\"><div class=\"ps11181 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"padding:0\"><div class=\"ps11182 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11184 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.7pt\"></span></span><span class=\"ps11183\">6\u00a0030<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2380 ss1622\"><div><div class=\"ps815 ss314\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other operating income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11185 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11186 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11188 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.99pt\"></span></span><span class=\"ps11187\">20\u00a0778<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11189 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11190 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11191 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.99pt\"></span></span><span class=\"ps11187\">20\u00a0778<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11192 ss1622\"><div><div class=\"ps815 ss314\"><span class=\"f charStyle-b7f6e8e5 ps7\">Operating income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11193 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.03pt\"></span></span><span class=\"ps4947\">100\u00a0112<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11195 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.19pt\"></span></span><span class=\"ps11194\">80\u00a0801<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11197 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.42pt\"></span></span><span class=\"ps11196\">1\u00a0004\u00a0954<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11198 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.17pt\"></span></span><span class=\"ps8455\">11\u00a0907<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11199 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.31pt\"></span></span><span class=\"ps1621\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11200 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.6pt\"></span></span><span class=\"ps3712\">1\u00a0197\u00a0774<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps11201 ss1627\"><div><div class=\"ps815 ss314\"><span class=\"f charStyle-2b0f4fe0 ps7\">Expected credit loss impairment <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss314\"><span class=\"f charStyle-2b0f4fe0 ps7\">charges<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11203 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.82pt\"></span></span><span class=\"ps11202\">5<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11205 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.02pt\"></span></span><span class=\"ps11204\">(4\u00a0036)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11207 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.55pt\"></span></span><span class=\"ps11206\">(93\u00a0331)</span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11208 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11209 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11211 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.95pt\"></span></span><span class=\"ps11210\">(97\u00a0362)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps9269 ss1627\"><div><div class=\"ps815 ss314\"><span class=\"f charStyle-b7f6e8e5 ps7\">Operating income after expected <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss314\"><span class=\"f charStyle-b7f6e8e5 ps7\">credit loss impairment charges<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11212 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.29pt\"></span></span><span class=\"ps9484\">100\u00a0117<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11214 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.43pt\"></span></span><span class=\"ps11213\">76\u00a0765<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11216 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.18pt\"></span></span><span class=\"ps11215\">911\u00a0623<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11217 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.17pt\"></span></span><span class=\"ps8455\">11\u00a0907<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11218 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.31pt\"></span></span><span class=\"ps1621\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11220 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.22pt\"></span></span><span class=\"ps11219\">1\u00a0100\u00a0412<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9708 ss1622\"><div><div class=\"ps815 ss314\"><span class=\"f charStyle-2b0f4fe0 ps7\">Operating costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11221 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.82pt\"></span></span><span class=\"ps10400\">(19\u00a0064)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11223 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.49pt\"></span></span><span class=\"ps11222\">(44\u00a0245)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11224 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.36pt\"></span></span><span class=\"ps4126\">(542\u00a0738)</span></span></div></div></div></td><td colspan=\"2\" style=\"padding:0\"><div class=\"ps11225 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"padding:0\"><div class=\"ps11226 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.01pt\"></span></span><span class=\"ps9232\">(31\u00a0730)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11227 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.43pt\"></span></span><span class=\"ps9480\">(637\u00a0777)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps9712 ss1627\"><div><div class=\"ps815 ss314\"><span class=\"f charStyle-2b0f4fe0 ps7\">Profit attributable to non-controlling <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss314\"><span class=\"f charStyle-2b0f4fe0 ps7\">interests<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11228 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11229 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11230 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.06pt\"></span></span><span class=\"ps8484\">(355)</span></span></div></div></div></td><td colspan=\"2\" style=\"padding:0\"><div class=\"ps11231 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"padding:0\"><div class=\"ps11232 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11233 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.06pt\"></span></span><span class=\"ps8484\">(355)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps2561 ss1622\"><div><div class=\"ps815 ss314\"><span class=\"f charStyle-b7f6e8e5 ps7\">Adjusted operating profit/(loss)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11235 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.53pt\"></span></span><span class=\"ps11234\">81\u00a0053<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11237 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.71pt\"></span></span><span class=\"ps11236\">32\u00a0520<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11239 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.31pt\"></span></span><span class=\"ps11238\">368\u00a0530<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ececeb;padding:0\"><div class=\"ps11240 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.17pt\"></span></span><span class=\"ps8455\">11\u00a0907<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ececeb;padding:0\"><div class=\"ps11242 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.85pt\"></span></span><span class=\"ps11241\">(31\u00a0730)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps11243 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.5pt\"></span></span><span class=\"ps10072\">462\u00a0280<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2566 ss1622\"><div><div class=\"ps815 ss314\"><span class=\"f charStyle-b7f6e8e5 ps7\">Selected returns and key statistics<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td colspan=\"2\" style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4354 ss1622\"><div><div class=\"ps815 ss314\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cost to income ratio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11245 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0 ps11244\">19.0%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11246 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0 ps9369\">54.8%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11248 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0 ps11247\">54.0%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11250 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0 ps11249\">n/a<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps11251 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0 ps11249\">n/a<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11253 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0 ps11252\">53.3%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11254 ss1622\"><div><div class=\"ps815 ss314\"><span class=\"f charStyle-2b0f4fe0 ps7\">Total assets (\u00a3\u2019mn)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11255 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.1pt\"></span></span><span class=\"ps10033\">1\u00a0026<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11257 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.87pt\"></span></span><span class=\"ps11256\">5\u00a0636<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11258 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.67pt\"></span></span><span class=\"ps4719\">25\u00a0126<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"padding:0\"><div class=\"ps11260 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.8pt\"></span></span><span class=\"ps11259\">212<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11261 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11263 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.1pt\"></span></span><span class=\"ps11262\">32\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11264 ss1622\"><div><div class=\"ps815 ss314\"><span class=\"f charStyle-2b0f4fe0 ps7\">Total liabilities (\u00a3\u2019mn)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11266 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.53pt\"></span></span><span class=\"ps11265\">208<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11267 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.37pt\"></span></span><span class=\"ps11178\">19<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11269 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.28pt\"></span></span><span class=\"ps11268\">28\u00a0028<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11270 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11272 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.7pt\"></span></span><span class=\"ps11271\">8<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11274 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.18pt\"></span></span><span class=\"ps11273\">28\u00a0263<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div></div><div class=\"ps72 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:143.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps11277 ss1620\"><div><div class=\"ps809 ss1514\"><span class=\"f charStyle-a26246ce ps11101\">Specialist Banking<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-left:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps11278 ss1620\"><div><div class=\"ps809 ss1514\"><span class=\"f charStyle-a26246ce ps838\">Private Client<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" rowspan=\"3\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11281 ss1628\"><div><div class=\"ps11279 ss296\"><span class=\"f charStyle-8d4b9b37 ps11107\">Group <span class=\"f ps2\"> </span></span></div><div class=\"ps11280 ss296\"><span class=\"f charStyle-8d4b9b37 ps11108\">Investments<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"3\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2815 ss1629\"><div><div class=\"ps11279 ss114\"><span class=\"f charStyle-8d4b9b37 ps11282\">Group<span class=\"f ps2\"> </span></span></div><div class=\"ps11280 ss114\"><span class=\"f charStyle-8d4b9b37 ps4227\"> Costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"padding:0\"><div class=\"ps817 ss1630\"><div><div class=\"ps3707 ss1017\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31\u00a0March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11285 ss1631\"><div><div class=\"ps11283 ss296\"><span class=\"f charStyle-8d4b9b37 ps2197\">Wealth &amp;<span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss296\"><span class=\"f charStyle-8d4b9b37 ps11113\"> Investment<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11286 ss1631\"><div><div class=\"ps11284 ss296\"><span class=\"f charStyle-8d4b9b37 ps11116\">Private Banking<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11289 ss1631\"><div><div class=\"ps11287 ss296\"><span class=\"f charStyle-8d4b9b37 ps11104\">Corporate, <span class=\"f ps2\"> </span></span></div><div class=\"ps11288 ss296\"><span class=\"f charStyle-8d4b9b37 ps11105\">Investment <span class=\"f ps2\"> </span></span></div><div class=\"ps11283 ss296\"><span class=\"f charStyle-8d4b9b37 ps8554\">Banking and <span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss296\"><span class=\"f charStyle-8d4b9b37 ps953\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2817 ss1632\"><div><div class=\"ps11283 ss114\"><span class=\"f charStyle-ef17fa27 ps11290\">Total<span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss114\"><span class=\"f charStyle-ef17fa27 ps11291\"> Group</span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps1202 ss1633\"><div><div class=\"ps809 ss1017\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps4468 ss1634\"><div><div class=\"ps997 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Net interest income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11293 ss301\"><div><div class=\"ps997 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.33pt\"></span></span><span class=\"ps11292\">7\u00a0381<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11294 ss301\"><div><div class=\"ps997 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.19pt\"></span></span><span class=\"ps7426\">96\u00a0639<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11295 ss301\"><div><div class=\"ps997 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.8pt\"></span></span><span class=\"ps9192\">670\u00a0633<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11296 ss301\"><div><div class=\"ps997 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11297 ss301\"><div><div class=\"ps997 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps11298 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.31pt\"></span></span><span class=\"ps11238\">774\u00a0653<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3744 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fee and commission income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11300 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.29pt\"></span></span><span class=\"ps11299\">10\u00a0424<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11302 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.92pt\"></span></span><span class=\"ps11301\">979<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11304 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.55pt\"></span></span><span class=\"ps11303\">183\u00a0340<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"padding:0\"><div class=\"ps11305 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"padding:0\"><div class=\"ps11306 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11307 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.96pt\"></span></span><span class=\"ps9223\">194\u00a0743<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1597 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fee and commission expense<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11309 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.5pt\"></span></span><span class=\"ps11308\">(1\u00a0054)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11310 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">(19)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11312 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.81pt\"></span></span><span class=\"ps11311\">(12\u00a0838)</span></span></div></div></div></td><td colspan=\"2\" style=\"padding:0\"><div class=\"ps11313 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"padding:0\"><div class=\"ps11314 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11315 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.29pt\"></span></span><span class=\"ps9228\">(13\u00a0911)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3751 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11317 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:46.94pt\"></span></span><span class=\"ps11316\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11318 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11320 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.64pt\"></span></span><span class=\"ps11319\">41\u00a0740<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"padding:0\"><div class=\"ps11322 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.23pt\"></span></span><span class=\"ps11321\">10\u00a0977<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"padding:0\"><div class=\"ps11323 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11324 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.01pt\"></span></span><span class=\"ps9232\">52\u00a0718<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:30pt\"><td style=\"padding:0\"><div class=\"ps3757 ss1635\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Share of post-taxation operating <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">profit\u00a0of associates and joint <span class=\"f ps2\"> </span></span></div><div class=\"ps8432 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">venture\u00a0holdings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11326 ss1626\"><div><div class=\"ps8432 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.79pt\"></span></span><span class=\"ps11325\">69\u00a0147<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11327 ss1626\"><div><div class=\"ps8432 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11329 ss1626\"><div><div class=\"ps8432 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.08pt\"></span></span><span class=\"ps11328\">6\u00a0073<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"padding:0\"><div class=\"ps11330 ss1626\"><div><div class=\"ps8432 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"padding:0\"><div class=\"ps11331 ss1626\"><div><div class=\"ps8432 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11332 ss1636\"><div><div class=\"ps8432 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.76pt\"></span></span><span class=\"ps7142\">75\u00a0220<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2517 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Trading income/(loss) arising from<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td colspan=\"2\" style=\"padding:0\"></td><td colspan=\"2\" style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2522 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-9458d4de ps680\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps681\">customer flow<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11333 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.48pt\"></span></span><span class=\"ps9942\">1\u00a0792<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11335 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.95pt\"></span></span><span class=\"ps11334\">3\u00a0018<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11337 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.5pt\"></span></span><span class=\"ps11336\">80\u00a0732<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"padding:0\"><div class=\"ps11338 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"padding:0\"><div class=\"ps9471 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2526 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.42pt\"></span></span><span class=\"ps9257\">85\u00a0542<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps2527 ss1637\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-9458d4de ps680\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps681\">balance sheet management and <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1017\"><span class=\"f charStyle-9458d4de ps681\">other trading activities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11340 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.29pt\"></span></span><span class=\"ps11339\">(34)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11342 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.78pt\"></span></span><span class=\"ps11341\">(47)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11344 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.88pt\"></span></span><span class=\"ps11343\">14\u00a0317<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"padding:0\"><div class=\"ps11345 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"padding:0\"><div class=\"ps9476 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2531 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.3pt\"></span></span><span class=\"ps9261\">14\u00a0236<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11346 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other operating income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11347 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11348 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11350 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.24pt\"></span></span><span class=\"ps11349\">5\u00a0764<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11351 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11352 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11353 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.24pt\"></span></span><span class=\"ps9267\">5\u00a0764<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11354 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-b7f6e8e5 ps7\">Operating income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11355 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.43pt\"></span></span><span class=\"ps11213\">87\u00a0657<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11357 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.64pt\"></span></span><span class=\"ps11356\">100\u00a0570<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11359 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.15pt\"></span></span><span class=\"ps11358\">989\u00a0761<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11361 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.38pt\"></span></span><span class=\"ps11360\">10\u00a0977<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11362 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.31pt\"></span></span><span class=\"ps1621\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11364 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.38pt\"></span></span><span class=\"ps11363\">1\u00a0188\u00a0965<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps9827 ss1637\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Expected credit loss impairment <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">charges<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11365 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">(16)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11366 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.52pt\"></span></span><span class=\"ps11077\">(5\u00a0582)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps10155 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.73pt\"></span></span><span class=\"ps11367\">(91\u00a0442)</span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11368 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11369 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11370 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.91pt\"></span></span><span class=\"ps9278\">(97\u00a0040)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps11371 ss1637\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-b7f6e8e5 ps7\">Operating income after expected <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1017\"><span class=\"f charStyle-b7f6e8e5 ps7\">credit loss impairment charges<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11373 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.97pt\"></span></span><span class=\"ps11372\">87\u00a0641<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11375 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.2pt\"></span></span><span class=\"ps11374\">94\u00a0988<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11377 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.67pt\"></span></span><span class=\"ps11376\">898\u00a0319<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11378 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.38pt\"></span></span><span class=\"ps11360\">10\u00a0977<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11379 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.31pt\"></span></span><span class=\"ps1621\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11380 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.4pt\"></span></span><span class=\"ps9433\">1\u00a0091\u00a0925<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11381 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Operating costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11382 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.94pt\"></span></span><span class=\"ps10215\">(15\u00a0366)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11384 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.93pt\"></span></span><span class=\"ps11383\">(47\u00a0860)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11386 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.22pt\"></span></span><span class=\"ps11385\">(535\u00a0062)</span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11387 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11389 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.57pt\"></span></span><span class=\"ps11388\">(33\u00a0522)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11390 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.45pt\"></span></span><span class=\"ps6215\">(631\u00a0810)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps11391 ss1637\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Profit attributable to non-controlling <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">interests<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11392 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11393 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11394 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">(12)</span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11395 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11396 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11397 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">(12)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9516 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-b7f6e8e5 ps7\">Adjusted operating profit/(loss)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11399 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.89pt\"></span></span><span class=\"ps11398\">72\u00a0275<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11400 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.2pt\"></span></span><span class=\"ps10492\">47\u00a0128<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11402 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.62pt\"></span></span><span class=\"ps11401\">363\u00a0245<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ececeb;padding:0\"><div class=\"ps11403 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.38pt\"></span></span><span class=\"ps11360\">10\u00a0977<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ececeb;padding:0\"><div class=\"ps9517 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.87pt\"></span></span><span class=\"ps11404\">(33\u00a0522)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps9518 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.12pt\"></span></span><span class=\"ps11405\">460\u00a0103<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9519 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-b7f6e8e5 ps7\">Selected returns and key statistics<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td colspan=\"2\" style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1665 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cost to income ratio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11407 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0 ps11406\">17.5%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11409 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0 ps11408\">47.6%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11411 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0 ps11410\">54.1%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11412 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0 ps11249\">n/a<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps9526 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0 ps11249\">n/a<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2574 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0 ps11413\">53.1%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2575 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Total assets (\u00a3\u2019mn)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11414 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.1pt\"></span></span><span class=\"ps10033\">1\u00a0022<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11415 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.24pt\"></span></span><span class=\"ps433\">5\u00a0196<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11417 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.42pt\"></span></span><span class=\"ps11416\">23\u00a0472<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"padding:0\"><div class=\"ps11419 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.54pt\"></span></span><span class=\"ps11418\">134<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9529 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0 ps11249\">n/a<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2579 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.2pt\"></span></span><span class=\"ps9977\">29\u00a0824<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2580 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Total liabilities (\u00a3\u2019mn)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11421 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.9pt\"></span></span><span class=\"ps11420\">185<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11423 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.14pt\"></span></span><span class=\"ps11422\">26<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11425 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.9pt\"></span></span><span class=\"ps11424\">26\u00a0115<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11426 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps9533 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.71pt\"></span></span><span class=\"ps11427\">9<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2584 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.16pt\"></span></span><span class=\"ps11428\">26\u00a0335<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps11851 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Segmental breakdown of operating costs<span class=\"f ps2\"> </span></span></div><div class=\"ps11908 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:202.5pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps11852 ss1620\"><div><div class=\"ps809 ss1514\"><span class=\"f charStyle-a26246ce ps11101\">Specialist Banking<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11853 ss1620\"><div><div class=\"ps809 ss1514\"><span class=\"f charStyle-a26246ce ps838\">Private Client<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"3\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11854 ss1621\"><div><div class=\"ps8329 ss296\"><span class=\"f charStyle-8d4b9b37 ps11104\">Corporate, <span class=\"f ps2\"> </span></span></div><div class=\"ps8331 ss296\"><span class=\"f charStyle-8d4b9b37 ps11105\">Investment <span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss296\"><span class=\"f charStyle-8d4b9b37 ps8554\">Banking and <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss296\"><span class=\"f charStyle-8d4b9b37 ps953\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"3\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11855 ss1667\"><div><div class=\"ps8325 ss114\"><span class=\"f charStyle-8d4b9b37 ps11282\">Group<span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss114\"><span class=\"f charStyle-8d4b9b37 ps4227\"> Costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps817 ss1668\"><div><div class=\"ps809 ss1078\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31\u00a0March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11856 ss1623\"><div><div class=\"ps11112 ss296\"><span class=\"f charStyle-8d4b9b37 ps2197\">Wealth &amp;<span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss296\"><span class=\"f charStyle-8d4b9b37 ps11113\"> Investment<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11857 ss1623\"><div><div class=\"ps11114 ss296\"><span class=\"f charStyle-8d4b9b37 ps11116\">Private Banking<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2817 ss1623\"><div><div class=\"ps11112 ss296\"><span class=\"f charStyle-a26246ce ps11118\">Total<span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss296\"><span class=\"f charStyle-a26246ce ps11119\"> Group<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps824 ss1668\"><div><div class=\"ps809 ss1078\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps830 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Staff costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11859 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.59pt\"></span></span><span class=\"ps11858\">9\u00a0715<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11861 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.63pt\"></span></span><span class=\"ps11860\">13\u00a0881<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11863 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.81pt\"></span></span><span class=\"ps11862\">386\u00a0531<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11865 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.36pt\"></span></span><span class=\"ps11864\">15\u00a0877<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2821 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.46pt\"></span></span><span class=\"ps9601\">426\u00a0004<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Premises expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11866 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.09pt\"></span></span><span class=\"ps3234\">1\u00a0280<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11868 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.45pt\"></span></span><span class=\"ps11867\">1\u00a0375<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11870 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.44pt\"></span></span><span class=\"ps11869\">26\u00a0596<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11872 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.91pt\"></span></span><span class=\"ps11871\">251<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2825 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.41pt\"></span></span><span class=\"ps11873\">29\u00a0502<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps843 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Equipment expenses (excluding depreciation)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11875 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.1pt\"></span></span><span class=\"ps11874\">3\u00a0114<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11876 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.21pt\"></span></span><span class=\"ps880\">6\u00a0105<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11878 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.3pt\"></span></span><span class=\"ps11877\">48\u00a0258<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11879 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.67pt\"></span></span><span class=\"ps11798\">586<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2829 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.26pt\"></span></span><span class=\"ps11880\">58\u00a0063<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps849 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Business expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9994 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.86pt\"></span></span><span class=\"ps11881\">4\u00a0831<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11883 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.16pt\"></span></span><span class=\"ps11882\">20\u00a0263<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11884 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.28pt\"></span></span><span class=\"ps11268\">68\u00a0280<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11885 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.5pt\"></span></span><span class=\"ps11829\">15\u00a0063<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2831 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.04pt\"></span></span><span class=\"ps11886\">108\u00a0437<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps853 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Marketing expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11888 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.13pt\"></span></span><span class=\"ps11887\">89<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11890 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.13pt\"></span></span><span class=\"ps11889\">2\u00a0621<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11891 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.96pt\"></span></span><span class=\"ps10225\">10\u00a0507<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11893 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.78pt\"></span></span><span class=\"ps11892\">(47)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11894 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.97pt\"></span></span><span class=\"ps9952\">13\u00a0170<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps858 ss1669\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-9458d4de ps7\">Depreciation, amortisation and impairment on </span></div><div class=\"ps469 ss1078\"><span class=\"f charStyle-9458d4de ps681\">equipment, software and intangibles</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11896 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.11pt\"></span></span><span class=\"ps11895\">35<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11897 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11898 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.01pt\"></span></span><span class=\"ps8351\">2\u00a0566<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11899 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11900 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.1pt\"></span></span><span class=\"ps10033\">2\u00a0601<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11902 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.27pt\"></span></span><span class=\"ps11901\">19\u00a0064<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11903 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.29pt\"></span></span><span class=\"ps9228\">44\u00a0245<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11904 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.1pt\"></span></span><span class=\"ps110\">542\u00a0738<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11906 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.91pt\"></span></span><span class=\"ps11905\">31\u00a0730<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11907 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.35pt\"></span></span><span class=\"ps11138\">637\u00a0777<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps11944 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:202.5pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps11852 ss1620\"><div><div class=\"ps809 ss1514\"><span class=\"f charStyle-a26246ce ps11101\">Specialist Banking<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11853 ss1620\"><div><div class=\"ps809 ss1514\"><span class=\"f charStyle-a26246ce ps838\">Private Client<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"3\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11854 ss1621\"><div><div class=\"ps8329 ss296\"><span class=\"f charStyle-8d4b9b37 ps11104\">Corporate, <span class=\"f ps2\"> </span></span></div><div class=\"ps8331 ss296\"><span class=\"f charStyle-8d4b9b37 ps11105\">Investment <span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss296\"><span class=\"f charStyle-8d4b9b37 ps8554\">Banking and <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss296\"><span class=\"f charStyle-8d4b9b37 ps953\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"3\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11855 ss1667\"><div><div class=\"ps8325 ss114\"><span class=\"f charStyle-8d4b9b37 ps11282\">Group<span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss114\"><span class=\"f charStyle-8d4b9b37 ps4227\"> Costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps817 ss1668\"><div><div class=\"ps809 ss1078\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31\u00a0March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11856 ss1623\"><div><div class=\"ps11112 ss296\"><span class=\"f charStyle-8d4b9b37 ps2197\">Wealth &amp;<span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss296\"><span class=\"f charStyle-8d4b9b37 ps11113\"> Investment<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11857 ss1623\"><div><div class=\"ps11114 ss296\"><span class=\"f charStyle-8d4b9b37 ps11116\">Private Banking<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2817 ss1623\"><div><div class=\"ps11112 ss296\"><span class=\"f charStyle-a26246ce ps11118\">Total<span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss296\"><span class=\"f charStyle-a26246ce ps11119\"> Group<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps824 ss1668\"><div><div class=\"ps809 ss1078\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps830 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Staff costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11859 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.09pt\"></span></span><span class=\"ps3234\">8\u00a0019<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11861 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.1pt\"></span></span><span class=\"ps11840\">17\u00a0180<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11863 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.7pt\"></span></span><span class=\"ps11909\">393\u00a0565<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11865 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.4pt\"></span></span><span class=\"ps11910\">14\u00a0405<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2821 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.59pt\"></span></span><span class=\"ps11911\">433\u00a0169<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Premises expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11866 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.03pt\"></span></span><span class=\"ps11912\">579<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11868 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.34pt\"></span></span><span class=\"ps11913\">1\u00a0397<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11870 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.55pt\"></span></span><span class=\"ps11914\">25\u00a0214<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11872 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.91pt\"></span></span><span class=\"ps11871\">615<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2825 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.75pt\"></span></span><span class=\"ps11915\">27\u00a0805<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps843 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Equipment expenses (excluding depreciation)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11875 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.86pt\"></span></span><span class=\"ps11916\">3\u00a0258<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11876 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.89pt\"></span></span><span class=\"ps1616\">6\u00a0645<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11878 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.12pt\"></span></span><span class=\"ps11917\">38\u00a0600<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11879 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.3pt\"></span></span><span class=\"ps5100\">384<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2829 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.53pt\"></span></span><span class=\"ps11563\">48\u00a0887<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"padding:0\"><div class=\"ps849 ss1670\"><div><div class=\"ps9695 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Business expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9994 ss388\"><div><div class=\"ps9695 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.73pt\"></span></span><span class=\"ps11918\">3\u00a0365<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11883 ss388\"><div><div class=\"ps9695 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.36pt\"></span></span><span class=\"ps10360\">20\u00a0031<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11884 ss388\"><div><div class=\"ps9695 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.66pt\"></span></span><span class=\"ps11919\">61\u00a0865<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11885 ss1578\"><div><div class=\"ps9695 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.91pt\"></span></span><span class=\"ps9679\">17\u00a0692<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2831 ss388\"><div><div class=\"ps9695 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.93pt\"></span></span><span class=\"ps11920\">102\u00a0953<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4677 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Marketing expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11922 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.49pt\"></span></span><span class=\"ps11921\">76<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11924 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.22pt\"></span></span><span class=\"ps11923\">2\u00a0607<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11926 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.25pt\"></span></span><span class=\"ps11925\">9\u00a0722<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11928 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.45pt\"></span></span><span class=\"ps11927\">426<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11930 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.64pt\"></span></span><span class=\"ps11929\">12\u00a0831<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps11931 ss1669\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-9458d4de ps7\">Depreciation, amortisation and impairment on </span></div><div class=\"ps469 ss1078\"><span class=\"f charStyle-9458d4de ps681\">equipment, software and intangibles</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11932 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.14pt\"></span></span><span class=\"ps11422\">69<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11933 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11934 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.87pt\"></span></span><span class=\"ps11256\">6\u00a0096<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11935 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11936 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.24pt\"></span></span><span class=\"ps433\">6\u00a0165<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11938 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.74pt\"></span></span><span class=\"ps11937\">15\u00a0366<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11939 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.48pt\"></span></span><span class=\"ps11677\">47\u00a0860<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11941 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.65pt\"></span></span><span class=\"ps11940\">535\u00a0062<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11942 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.93pt\"></span></span><span class=\"ps9424\">33\u00a0522<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11943 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.74pt\"></span></span><span class=\"ps10265\">631\u00a0810<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEntitysReportableSegmentsExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-894": {
   "value": "<div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">2<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11430\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11431\">Net interest income<span class=\"f ps2\"> </span></span></div><div class=\"ps72 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:120pt\"></td><td style=\"padding:0;width:24.75pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:52.5pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:52.5pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"4\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps6175 ss1638\"><div><div class=\"ps809 ss1070\"><span class=\"f charStyle-a26246ce ps11432\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"4\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps11434 ss1638\"><div><div class=\"ps809 ss1070\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps11433\">2025</span></div></div></div></td></tr><tr style=\"height:23.25pt\"><td style=\"padding:0\"><div class=\"ps816 ss1640\"><div><div class=\"ps3707 ss1639\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11435 ss1177\"><div><div class=\"ps11284 ss10\"><span class=\"f charStyle-6f1c08a8 ps9654\">Notes<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8323 ss1641\"><div><div class=\"ps11287 ss1335\"><span class=\"f charStyle-ef17fa27 ps11436\">Average</span></div><div class=\"ps11288 ss1335\"><span class=\"f charStyle-ef17fa27 ps9383\"> balance</span></div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-ef17fa27 ps928\">sheet</span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-ef17fa27 ps11252\"> value</span><span class=\"f charStyle-d8bac126 ps11437\"><sup>*</sup></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11439 ss1641\"><div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-a26246ce ps11268\">Interest<span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-a26246ce ps11438\"> income<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11441 ss1641\"><div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-a26246ce ps11436\">Average<span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-a26246ce ps11440\"> yield<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11447 ss1641\"><div><div class=\"ps11287 ss1335\"><span class=\"f charStyle-6f1c08a8 ps11442\">Average</span></div><div class=\"ps11288 ss1335\"><span class=\"f charStyle-6f1c08a8 ps11443\"> balance</span></div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-6f1c08a8 ps11444\">sheet</span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-6f1c08a8 ps11445\">value</span><span class=\"f charStyle-74272f2c ps11446\"><sup>*</sup></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11449 ss1641\"><div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-8d4b9b37 ps11448\">Interest<span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-8d4b9b37 ps3967\"> income<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11451 ss1641\"><div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-8d4b9b37 ps11442\">Average<span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-8d4b9b37 ps11450\"> yield<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11452 ss1642\"><div><div class=\"ps809 ss1639\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1202 ss1640\"><div><div class=\"ps997 ss1639\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cash, near cash and bank debt <span class=\"f ps2\"> </span></span></div><div class=\"ps2366 ss1639\"><span class=\"f charStyle-2b0f4fe0 ps7\">and sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11454 ss1643\"><div><div class=\"ps2366 ss10\"><span class=\"f charStyle-2b0f4fe0 ps11453\">1<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps11456 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.57pt\"></span></span><span class=\"ps11455\">9\u00a0469\u00a0766<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps11458 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.72pt\"></span></span><span class=\"ps11457\">364\u00a0431<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps11460 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps11459\"></span><span class=\"ps11459\">3.85%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11462 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.67pt\"></span></span><span class=\"ps11461\">9\u00a0976\u00a0288<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11464 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.55pt\"></span></span><span class=\"ps11463\">477\u00a0608<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ffffff;border-top:0.5pt solid #000;padding:0\"><div class=\"ps11466 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps11465\"></span><span class=\"ps11465\">4.79%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3463 ss1642\"><div><div class=\"ps815 ss1639\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11468 ss1576\"><div><div class=\"ps815 ss10\"><span class=\"f charStyle-2b0f4fe0 ps11467\">2<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11469 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.3pt\"></span></span><span class=\"ps4127\">17\u00a0328\u00a0589<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11471 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.76pt\"></span></span><span class=\"ps11470\">1\u00a0240\u00a0215<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11472 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps11282\"></span><span class=\"ps11282\">7.16%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11474 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.81pt\"></span></span><span class=\"ps11473\">16\u00a0727\u00a0744<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11475 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.86pt\"></span></span><span class=\"ps3514\">1\u00a0334\u00a0303<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11477 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps11476\"></span><span class=\"ps11476\">7.98%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3467 ss1642\"><div><div class=\"ps815 ss1639\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Private client<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11478 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.32pt\"></span></span><span class=\"ps10407\">5\u00a0469\u00a0986<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11480 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.7pt\"></span></span><span class=\"ps11479\">275\u00a0196<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11482 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps11481\"></span><span class=\"ps11481\">5.03%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11484 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.4pt\"></span></span><span class=\"ps11483\">5\u00a0183\u00a0842<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11486 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.08pt\"></span></span><span class=\"ps11485\">281\u00a0839<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ffffff;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11487 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps10044\"></span><span class=\"ps10044\">5.44%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps3472 ss1646\"><div><div class=\"ps815 ss1639\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Corporate, institutional and <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1639\"><span class=\"f charStyle-2b0f4fe0 ps1864\">other clients<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11489 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.15pt\"></span></span><span class=\"ps11488\">11\u00a0858\u00a0603<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11490 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.32pt\"></span></span><span class=\"ps9352\">965\u00a0019<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11492 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps11491\"></span><span class=\"ps11491\">8.14%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11494 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.05pt\"></span></span><span class=\"ps11493\">11\u00a0543\u00a0902<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11496 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.41pt\"></span></span><span class=\"ps11495\">1\u00a0052\u00a0464<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps11497 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps9970\"></span><span class=\"ps9970\">9.12%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps9452 ss1646\"><div><div class=\"ps815 ss1639\"><span class=\"f charStyle-9458d4de ps7\">Other debt securities and other <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1639\"><span class=\"f charStyle-9458d4de ps7\">loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11499 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.14pt\"></span></span><span class=\"ps11498\">1\u00a0115\u00a0692<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11501 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.45pt\"></span></span><span class=\"ps11500\">66\u00a0248<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11503 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps11502\"></span><span class=\"ps11502\">5.94%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11504 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.92pt\"></span></span><span class=\"ps9354\">795\u00a0811<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11505 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.77pt\"></span></span><span class=\"ps9675\">56\u00a0535<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11507 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps11506\"></span><span class=\"ps11506\">7.10%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps130 ss1642\"><div><div class=\"ps815 ss1639\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11509 ss1576\"><div><div class=\"ps815 ss10\"><span class=\"f charStyle-2b0f4fe0 ps11508\">3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11511 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.38pt\"></span></span><span class=\"ps11510\">2\u00a0961<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11513 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.78pt\"></span></span><span class=\"ps11512\">64\u00a0072<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11515 ss1522\"><div><div class=\"ps815 ss1518\"><span class=\"f charStyle-2b0f4fe0 ps11514\">n/a<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11517 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.35pt\"></span></span><span class=\"ps11516\">141\u00a0669<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11519 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.8pt\"></span></span><span class=\"ps11518\">91\u00a0654<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps11520 ss1522\"><div><div class=\"ps815 ss1518\"><span class=\"f charStyle-2b0f4fe0 ps11514\">n/a<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td></tr><tr style=\"height:12pt\"><td colspan=\"2\" style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11521 ss1649\"><div><div class=\"ps815 ss1648\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total interest-earning assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11523 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.07pt\"></span></span><span class=\"ps11522\">27\u00a0917\u00a0008<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11525 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.6pt\"></span></span><span class=\"ps11524\">1\u00a0734\u00a0966<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11527 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps11526\"></span><span class=\"ps11526\">6.21%<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11529 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.5pt\"></span></span><span class=\"ps11528\">27\u00a0641\u00a0512<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11531 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.88pt\"></span></span><span class=\"ps11530\">1\u00a0960\u00a0100<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11533 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps11532\"></span><span class=\"ps11532\">7.09%<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps11572 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:120pt\"></td><td style=\"padding:0;width:24.75pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:52.5pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:52.5pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"4\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps6175 ss1638\"><div><div class=\"ps809 ss1070\"><span class=\"f charStyle-a26246ce ps11432\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"4\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps11434 ss1638\"><div><div class=\"ps809 ss1070\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps11433\">2025</span></div></div></div></td></tr><tr style=\"height:23.25pt\"><td style=\"padding:0\"><div class=\"ps816 ss1640\"><div><div class=\"ps3707 ss1639\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11435 ss1177\"><div><div class=\"ps11284 ss10\"><span class=\"f charStyle-6f1c08a8 ps9654\">Notes<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8323 ss1641\"><div><div class=\"ps11287 ss1335\"><span class=\"f charStyle-ef17fa27 ps11436\">Average</span></div><div class=\"ps11288 ss1335\"><span class=\"f charStyle-ef17fa27 ps9383\"> balance</span></div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-ef17fa27 ps11534\"> sheet</span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-ef17fa27 ps11252\"> value</span><span class=\"f charStyle-d8bac126 ps11437\"><sup>*</sup></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11439 ss1641\"><div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-a26246ce ps11268\">Interest<span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-a26246ce ps11535\"> expense<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11441 ss1641\"><div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-a26246ce ps11436\">Average<span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-a26246ce ps11440\"> yield<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11447 ss1641\"><div><div class=\"ps11287 ss1335\"><span class=\"f charStyle-6f1c08a8 ps11442\">Average</span></div><div class=\"ps11288 ss1335\"><span class=\"f charStyle-6f1c08a8 ps11443\"> balance</span></div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-6f1c08a8 ps11444\">sheet</span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-6f1c08a8 ps11445\">value</span><span class=\"f charStyle-74272f2c ps11446\"><sup>*</sup></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11449 ss1641\"><div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-8d4b9b37 ps11448\">Interest<span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-8d4b9b37 ps8367\"> expense<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11451 ss1641\"><div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-8d4b9b37 ps11442\">Average<span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-8d4b9b37 ps11450\"> yield<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11452 ss1642\"><div><div class=\"ps809 ss1639\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1202 ss1640\"><div><div class=\"ps997 ss1639\"><span class=\"f charStyle-9458d4de ps7\">Deposits by banks and other <span class=\"f ps2\"> </span></span></div><div class=\"ps2366 ss1639\"><span class=\"f charStyle-9458d4de ps7\">debt-related securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11454 ss1643\"><div><div class=\"ps2366 ss10\"><span class=\"f charStyle-2b0f4fe0 ps11536\">4<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps11456 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.28pt\"></span></span><span class=\"ps11537\">3\u00a0190\u00a0496<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps11458 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0 ps11538\">116\u00a0924<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps11460 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps5563\"></span><span class=\"ps5563\">3.66%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11462 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17pt\"></span></span><span class=\"ps11094\">3\u00a0112\u00a0165<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11464 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0 ps11539\">121\u00a0022<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ffffff;border-top:0.5pt solid #000;padding:0\"><div class=\"ps11466 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps11540\"></span><span class=\"ps11540\">3.89%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3463 ss1642\"><div><div class=\"ps815 ss1639\"><span class=\"f charStyle-2b0f4fe0 ps7\">Customer accounts (deposits)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11469 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.21pt\"></span></span><span class=\"ps11541\">21\u00a0726\u00a0884<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11471 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0 ps11542\">811\u00a0529<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11472 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps11543\"></span><span class=\"ps11543\">3.74%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11474 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.7pt\"></span></span><span class=\"ps11544\">21\u00a0446\u00a0503<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11475 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0 ps11545\">944\u00a0449<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ffffff;padding:0\"><div class=\"ps11477 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps2281\"></span><span class=\"ps2281\">4.40%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3467 ss1642\"><div><div class=\"ps815 ss1639\"><span class=\"f charStyle-2b0f4fe0 ps7\">Subordinated liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11478 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.52pt\"></span></span><span class=\"ps11546\">710\u00a0045<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11480 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0 ps11547\">44\u00a0232<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11482 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps5563\"></span><span class=\"ps5563\">6.23%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11484 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.04pt\"></span></span><span class=\"ps11548\">690\u00a0103<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11486 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0 ps11549\">42\u00a0565<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ffffff;padding:0\"><div class=\"ps11487 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps11282\"></span><span class=\"ps11282\">6.17%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3472 ss1642\"><div><div class=\"ps815 ss1639\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11551 ss1576\"><div><div class=\"ps815 ss10\"><span class=\"f charStyle-2b0f4fe0 ps11550\">5<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11489 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.44pt\"></span></span><span class=\"ps9598\">161\u00a0609<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11490 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0 ps8377\">41\u00a0005<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11492 ss1522\"><div><div class=\"ps815 ss1518\"><span class=\"f charStyle-2b0f4fe0 ps11514\">n/a<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11494 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.96pt\"></span></span><span class=\"ps6947\">219\u00a0339<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11496 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0 ps11552\">77\u00a0411<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11497 ss1522\"><div><div class=\"ps815 ss1518\"><span class=\"f charStyle-2b0f4fe0 ps11514\">n/a<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td colspan=\"2\" style=\"background-color:#ececeb;padding:0\"><div class=\"ps3477 ss1649\"><div><div class=\"ps815 ss1648\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total interest-bearing liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps11554 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.51pt\"></span></span><span class=\"ps11553\">25\u00a0789\u00a0034<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps11556 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.1pt\"></span></span><span class=\"ps11555\">1\u00a0013\u00a0690<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps11558 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps11557\"></span><span class=\"ps11557\">3.93%<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11560 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.57pt\"></span></span><span class=\"ps11559\">25\u00a0468\u00a0110<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11562 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5 ps11561\">1\u00a0185\u00a0447<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ececeb;padding:0\"><div class=\"ps11564 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps11563\"></span><span class=\"ps11563\">4.65%<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps1217 ss1642\"><div><div class=\"ps815 ss1639\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net interest income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps11565 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.35pt\"></span></span><span class=\"ps11138\">721\u00a0276<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11567 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5 ps11566\">774\u00a0653<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3485 ss1642\"><div><div class=\"ps815 ss1639\"><span class=\"f charStyle-b7f6e8e5 ps7\">Annualised net interest margin<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11569 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5 ps11568\">2.58%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11571 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5 ps11570\">2.80%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps11573 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c39f85c2 ps23\">Notes:<span class=\"f ps2\"> </span></span></div><div class=\"ps11574 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">1<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">Comprises (as per the balance sheet) cash and balances at central banks; loans and advances to banks; reverse repurchase agreements and cash collateral on </span></span></div><div class=\"ps11575 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">securities borrowed; sovereign debt securities; and bank debt securities.<span class=\"f ps2\"> </span></span></div><div class=\"ps11576 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">2<span style=\"display:inline-block;height:5.81pt;width:10.51pt\"></span></span><span class=\"ps968\">Comprises (as per the balance sheet) loans and advances to customers.</span></span></div><div class=\"ps11577 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">3<span style=\"display:inline-block;height:5.81pt;width:10.4pt\"></span></span><span class=\"ps968\">Comprises (as per the balance sheet) lease receivables (housed in other assets on the balance sheet) and other assets as well as interest income from derivative </span></span></div><div class=\"ps11578 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">financial instruments and off-balance sheet assets where the nominal amount is not reflected on the balance sheet.</span></div><div class=\"ps11579 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">4<span style=\"display:inline-block;height:5.81pt;width:10.42pt\"></span></span><span class=\"ps968\">Comprises (as per the balance sheet) deposits by banks; debt securities in issue; repurchase agreements and cash collateral on securities lent.</span></span></div><div class=\"ps11580 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">5<span style=\"display:inline-block;height:5.81pt;width:10.6pt\"></span></span><span class=\"ps968\">Comprises (as per the balance sheet) liabilities arising from lease liabilities (housed in other liabilities on the balance sheet) as well as interest expense from derivative </span></span></div><div class=\"ps11581 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">financial instruments where the nominal amount is not reflected on the balance sheet.</span></div><div class=\"ps11583 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">The average balance sheet value is calculated using a straight-line 13-point average.</span></span></div><span class=\"f charStyle-f6a3ab10 ps11584\">3<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11585\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11586\">Net fee and commission income<span class=\"f ps2\"> </span></span><div class=\"ps11275 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1650\"><div><div class=\"ps11114 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1650\"><div><div class=\"ps11114 ss114\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps9195\">2025</span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps817 ss1651\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Wealth &amp; Investment businesses net fee and commission income*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2816 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.26pt\"></span></span><span class=\"ps11587\">11\u00a0437<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2817 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.57pt\"></span></span><span class=\"ps11588\">9\u00a0370<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9200 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fund management fees/fees for assets under management<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9202 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.36pt\"></span></span><span class=\"ps11589\">10\u00a0335<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps9203 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.95pt\"></span></span><span class=\"ps11590\">9\u00a0050<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9204 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Private client transactional fees<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9206 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.59pt\"></span></span><span class=\"ps11591\">1\u00a0957<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps9208 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.22pt\"></span></span><span class=\"ps11592\">1\u00a0374<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4003 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fee and commission expense<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9211 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.19pt\"></span></span><span class=\"ps11593\">(855)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps9213 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.5pt\"></span></span><span class=\"ps11336\">(1\u00a0054)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps4562 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Specialist Banking net fee and commission income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps9215 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.44pt\"></span></span><span class=\"ps11594\">195\u00a0408<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9217 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.53pt\"></span></span><span class=\"ps11595\">171\u00a0462<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9218 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-9458d4de ps7\">Specialist Banking fee and commission income</span><span class=\"f charStyle-70e7a25b ps11596\"><span class=\"f ps2\"> </span><sup>^</sup></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9222 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.84pt\"></span></span><span class=\"ps9494\">216\u00a0042<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps9224 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.95pt\"></span></span><span class=\"ps9276\">184\u00a0319<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9225 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Specialist Banking fee and commission expense<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9227 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.45pt\"></span></span><span class=\"ps11597\">(20\u00a0634)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps9229 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.42pt\"></span></span><span class=\"ps11598\">(12\u00a0857)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps220 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net fee and commission income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps9231 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.39pt\"></span></span><span class=\"ps10013\">206\u00a0845<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9233 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.69pt\"></span></span><span class=\"ps11599\">180\u00a0832<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9234 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fee and commission income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9238 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.35pt\"></span></span><span class=\"ps9221\">228\u00a0334<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps9240 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.96pt\"></span></span><span class=\"ps9223\">194\u00a0743<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9241 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fee and commission expense<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9243 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.84pt\"></span></span><span class=\"ps3977\">(21\u00a0489)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps9244 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.29pt\"></span></span><span class=\"ps9228\">(13\u00a0911)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9245 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net fee and commission income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps9247 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.39pt\"></span></span><span class=\"ps10013\">206\u00a0845<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps9249 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.69pt\"></span></span><span class=\"ps11599\">180\u00a0832<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps3337 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Annuity fees (net of fees payable)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9251 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.66pt\"></span></span><span class=\"ps11600\">54\u00a0754<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps9253 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.27pt\"></span></span><span class=\"ps11601\">35\u00a0953<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9254 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Deal fees<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11603 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.3pt\"></span></span><span class=\"ps11602\">152\u00a0091<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11604 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.09pt\"></span></span><span class=\"ps9539\">144\u00a0879<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps11605 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Wealth &amp; Investment businesses relates to Investec Bank (Switzerland) AG.</span></span></div><div class=\"ps11613 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">Included in Specialist Banking is fee and commission income of</span></span><span class=\"f charStyle-207fba8f ps7999\"> \u00a3</span><span class=\"f charStyle-207fba8f ps11606\">26.1</span><span class=\"f charStyle-207fba8f ps11607\"> million</span><span class=\"f charStyle-207fba8f ps11608\"> (<span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps11609\">31 March 2025</span><span class=\"f charStyle-207fba8f ps11610\">: \u00a3<span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps11611\">8.4</span><span class=\"f charStyle-207fba8f ps11612\"> million) for operating lease income, generated from aircraft leasing </span></div><div class=\"ps11614 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">structures, which are out of the scope of IFRS 15 \u2013 Revenue from Contracts with Customers.<span class=\"f ps2\"> </span></span></div><div class=\"ps11619 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">4</span><span class=\"f charStyle-f6a3ab10 ps11617\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11618\">Investment income<span class=\"f ps2\"> </span></span></div><div class=\"ps11772 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:84.75pt\"></td><td style=\"padding:0;width:49.5pt\"></td><td style=\"padding:0;width:49.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:49.5pt\"></td><td style=\"padding:0;width:49.5pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:30.75pt\"><td style=\"padding:0\"><div class=\"ps19 ss1653\"><div><div class=\"ps11620 ss1652\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11625 ss1655\"><div><div class=\"ps11622 ss1654\"><span class=\"f charStyle-6f1c08a8 ps11621\">Listed<span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss1654\"><span class=\"f charStyle-6f1c08a8 ps11623\">equities<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11628 ss1655\"><div><div class=\"ps11622 ss1654\"><span class=\"f charStyle-6f1c08a8 ps11626\">Unlisted<span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss1654\"><span class=\"f charStyle-6f1c08a8 ps11627\"> equities<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11631 ss1656\"><div><div class=\"ps11622 ss926\"><span class=\"f charStyle-6f1c08a8 ps11629\">Warrants and<span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss926\"><span class=\"f charStyle-6f1c08a8 ps11630\"> profit shares<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2922 ss1656\"><div><div class=\"ps11633 ss926\"><span class=\"f charStyle-ef17fa27 ps11632\">Total<span class=\"f ps2\"> </span></span></div><div class=\"ps11622 ss926\"><span class=\"f charStyle-ef17fa27 ps11634\"> investment</span></div><div class=\"ps11624 ss926\"><span class=\"f charStyle-ef17fa27 ps11635\"> portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps4234 ss1655\"><div><div class=\"ps11636 ss1654\"><span class=\"f charStyle-6f1c08a8 ps11408\">Debt<span class=\"f ps2\"> </span></span></div><div class=\"ps11638 ss1654\"><span class=\"f charStyle-6f1c08a8 ps11637\"> securities<span class=\"f ps2\"> </span></span></div><div class=\"ps11633 ss1654\"><span class=\"f charStyle-6f1c08a8 ps11639\"> (sovereign,<span class=\"f ps2\"> </span></span></div><div class=\"ps11622 ss1654\"><span class=\"f charStyle-6f1c08a8 ps11640\"> bank and<span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss1654\"><span class=\"f charStyle-6f1c08a8 ps11641\"> other)<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps4237 ss1655\"><div><div class=\"ps11633 ss1654\"><span class=\"f charStyle-6f1c08a8 ps11642\">Investment<span class=\"f ps2\"> </span></span></div><div class=\"ps11622 ss1654\"><span class=\"f charStyle-6f1c08a8 ps2469\"> and trading<span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss1654\"><span class=\"f charStyle-6f1c08a8 ps7309\"> properties<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11645 ss1656\"><div><div class=\"ps11622 ss926\"><span class=\"f charStyle-8d4b9b37 ps11643\">Other asset <span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss926\"><span class=\"f charStyle-8d4b9b37 ps11644\">categories <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps4197 ss1656\"><div><div class=\"ps11624 ss926\"><span class=\"f charStyle-ef17fa27 ps11632\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3512 ss1657\"><div><div class=\"ps809 ss1652\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3516 ss1658\"><div><div class=\"ps997 ss1652\"><span class=\"f charStyle-b7f6e8e5 ps7\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4077 ss1657\"><div><div class=\"ps815 ss1652\"><span class=\"f charStyle-2b0f4fe0 ps7\">Realised<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11647 ss1659\"><div><div class=\"ps815 ss1654\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.38pt\"></span></span><span class=\"ps11646\">2\u00a0247<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11648 ss1659\"><div><div class=\"ps815 ss1654\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.71pt\"></span></span><span class=\"ps9402\">17\u00a0701<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11650 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.03pt\"></span></span><span class=\"ps11649\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11652 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.68pt\"></span></span><span class=\"ps11651\">19\u00a0948<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11654 ss1659\"><div><div class=\"ps815 ss1654\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.75pt\"></span></span><span class=\"ps11653\">(1\u00a0583)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11656 ss1659\"><div><div class=\"ps815 ss1654\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.03pt\"></span></span><span class=\"ps11655\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11658 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.47pt\"></span></span><span class=\"ps11657\">15\u00a0017<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11660 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.15pt\"></span></span><span class=\"ps11659\">33\u00a0382<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps6738 ss1657\"><div><div class=\"ps815 ss1652\"><span class=\"f charStyle-2b0f4fe0 ps7\">Unrealised*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11662 ss1659\"><div><div class=\"ps815 ss1654\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.14pt\"></span></span><span class=\"ps11661\">670<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11664 ss1659\"><div><div class=\"ps815 ss1654\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.47pt\"></span></span><span class=\"ps11663\">1\u00a0885<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11665 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.03pt\"></span></span><span class=\"ps11649\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11666 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.48pt\"></span></span><span class=\"ps5099\">2\u00a0555<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11668 ss1659\"><div><div class=\"ps815 ss1654\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.4pt\"></span></span><span class=\"ps11667\">172<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11670 ss1659\"><div><div class=\"ps815 ss1654\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.73pt\"></span></span><span class=\"ps11669\">(1\u00a0090)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11671 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.96pt\"></span></span><span class=\"ps6947\">7\u00a0576<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11673 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.24pt\"></span></span><span class=\"ps11672\">9\u00a0213<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11674 ss1657\"><div><div class=\"ps815 ss1652\"><span class=\"f charStyle-2b0f4fe0 ps7\">Dividend income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11676 ss1659\"><div><div class=\"ps815 ss1654\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.39pt\"></span></span><span class=\"ps11675\">12\u00a0179<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11678 ss1659\"><div><div class=\"ps815 ss1654\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.48pt\"></span></span><span class=\"ps11677\">5\u00a0255<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11679 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.03pt\"></span></span><span class=\"ps11649\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11681 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.78pt\"></span></span><span class=\"ps11680\">17\u00a0434<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11682 ss1659\"><div><div class=\"ps815 ss1654\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.03pt\"></span></span><span class=\"ps11655\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11683 ss1659\"><div><div class=\"ps815 ss1654\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.03pt\"></span></span><span class=\"ps11655\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11685 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.85pt\"></span></span><span class=\"ps11684\">75<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11687 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.24pt\"></span></span><span class=\"ps11686\">17\u00a0509<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps11688 ss1660\"><div><div class=\"ps815 ss1652\"><span class=\"f charStyle-2b0f4fe0 ps7\">Funding and other net <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1652\"><span class=\"f charStyle-2b0f4fe0 ps7\">related income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11689 ss1661\"><div><div class=\"ps469 ss1654\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.03pt\"></span></span><span class=\"ps11655\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11690 ss1661\"><div><div class=\"ps469 ss1654\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.03pt\"></span></span><span class=\"ps11655\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11691 ss1662\"><div><div class=\"ps469 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.03pt\"></span></span><span class=\"ps11649\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11692 ss1662\"><div><div class=\"ps469 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.03pt\"></span></span><span class=\"ps11649\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11693 ss1661\"><div><div class=\"ps469 ss1654\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.03pt\"></span></span><span class=\"ps11655\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11694 ss1661\"><div><div class=\"ps469 ss1654\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.34pt\"></span></span><span class=\"ps11101\">1\u00a0385<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11695 ss1662\"><div><div class=\"ps469 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.03pt\"></span></span><span class=\"ps11649\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11697 ss1662\"><div><div class=\"ps469 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.34pt\"></span></span><span class=\"ps11696\">1\u00a0385<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11698 ss1659\"><div><div class=\"ps815 ss1654\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.77pt\"></span></span><span class=\"ps9734\">15\u00a0096<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11700 ss1659\"><div><div class=\"ps815 ss1654\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.83pt\"></span></span><span class=\"ps11699\">24\u00a0841<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11701 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.56pt\"></span></span><span class=\"ps11090\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11703 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.09pt\"></span></span><span class=\"ps11702\">39\u00a0937<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11705 ss1659\"><div><div class=\"ps815 ss1654\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.18pt\"></span></span><span class=\"ps11704\">(1\u00a0411)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11707 ss1659\"><div><div class=\"ps815 ss1654\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.56pt\"></span></span><span class=\"ps11706\">295<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11709 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.04pt\"></span></span><span class=\"ps11708\">22\u00a0668<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11711 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.73pt\"></span></span><span class=\"ps11710\">61\u00a0489<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps341 ss1657\"><div><div class=\"ps815 ss1652\"><span class=\"f charStyle-b7f6e8e5 ps7\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11712 ss1657\"><div><div class=\"ps815 ss1652\"><span class=\"f charStyle-2b0f4fe0 ps7\">Realised<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11713 ss1659\"><div><div class=\"ps815 ss1654\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.73pt\"></span></span><span class=\"ps11669\">(2\u00a0001)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11714 ss1659\"><div><div class=\"ps815 ss1654\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.26pt\"></span></span><span class=\"ps11587\">6\u00a0526<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11715 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.49pt\"></span></span><span class=\"ps11222\">1\u00a0194<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11717 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.84pt\"></span></span><span class=\"ps11716\">5\u00a0719<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11718 ss1659\"><div><div class=\"ps815 ss1654\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.37pt\"></span></span><span class=\"ps986\">4\u00a0897<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11719 ss1659\"><div><div class=\"ps815 ss1654\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.03pt\"></span></span><span class=\"ps11655\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11721 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.11pt\"></span></span><span class=\"ps11720\">(994)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11722 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.15pt\"></span></span><span class=\"ps11358\">9\u00a0622<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps49 ss1657\"><div><div class=\"ps815 ss1652\"><span class=\"f charStyle-2b0f4fe0 ps7\">Unrealised*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11724 ss1659\"><div><div class=\"ps815 ss1654\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.37pt\"></span></span><span class=\"ps11723\">2\u00a0541<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11726 ss1659\"><div><div class=\"ps815 ss1654\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.67pt\"></span></span><span class=\"ps11725\">37\u00a0462<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11728 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.45pt\"></span></span><span class=\"ps11727\">(451)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11729 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.66pt\"></span></span><span class=\"ps10063\">39\u00a0552<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11731 ss1659\"><div><div class=\"ps815 ss1654\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.5pt\"></span></span><span class=\"ps11730\">(3\u00a0410)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11732 ss1659\"><div><div class=\"ps815 ss1654\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.36pt\"></span></span><span class=\"ps4126\">(11\u00a0000)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11734 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.14pt\"></span></span><span class=\"ps11733\">702<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11736 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.44pt\"></span></span><span class=\"ps11735\">25\u00a0844<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11737 ss1657\"><div><div class=\"ps815 ss1652\"><span class=\"f charStyle-2b0f4fe0 ps7\">Dividend income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11738 ss1659\"><div><div class=\"ps815 ss1654\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.87pt\"></span></span><span class=\"ps11404\">11\u00a0230<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11739 ss1659\"><div><div class=\"ps815 ss1654\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.9pt\"></span></span><span class=\"ps10191\">4\u00a0428<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11740 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.03pt\"></span></span><span class=\"ps11649\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11742 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.02pt\"></span></span><span class=\"ps11741\">15\u00a0658<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11743 ss1659\"><div><div class=\"ps815 ss1654\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.03pt\"></span></span><span class=\"ps11655\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11744 ss1659\"><div><div class=\"ps815 ss1654\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.03pt\"></span></span><span class=\"ps11655\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11745 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.85pt\"></span></span><span class=\"ps11684\">75<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11747 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.99pt\"></span></span><span class=\"ps11746\">15\u00a0733<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps3338 ss1660\"><div><div class=\"ps815 ss1652\"><span class=\"f charStyle-2b0f4fe0 ps7\">Funding and other net <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1652\"><span class=\"f charStyle-2b0f4fe0 ps7\">related income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11748 ss1661\"><div><div class=\"ps469 ss1654\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.03pt\"></span></span><span class=\"ps11655\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11749 ss1661\"><div><div class=\"ps469 ss1654\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.03pt\"></span></span><span class=\"ps11655\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11750 ss1662\"><div><div class=\"ps469 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.03pt\"></span></span><span class=\"ps11649\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11751 ss1662\"><div><div class=\"ps469 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.03pt\"></span></span><span class=\"ps11649\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11752 ss1661\"><div><div class=\"ps469 ss1654\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.03pt\"></span></span><span class=\"ps11655\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11753 ss1661\"><div><div class=\"ps469 ss1654\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.72pt\"></span></span><span class=\"ps10078\">1\u00a0519<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11754 ss1662\"><div><div class=\"ps469 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.03pt\"></span></span><span class=\"ps11649\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11756 ss1662\"><div><div class=\"ps469 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.72pt\"></span></span><span class=\"ps11755\">1\u00a0519<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11757 ss1659\"><div><div class=\"ps815 ss1654\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.91pt\"></span></span><span class=\"ps9278\">11\u00a0770<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11759 ss1659\"><div><div class=\"ps815 ss1654\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.6pt\"></span></span><span class=\"ps11758\">48\u00a0416<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11761 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.58pt\"></span></span><span class=\"ps11760\">743<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11763 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.6pt\"></span></span><span class=\"ps11762\">60\u00a0929<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11765 ss1659\"><div><div class=\"ps815 ss1654\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.17pt\"></span></span><span class=\"ps11764\">1\u00a0487<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11767 ss1659\"><div><div class=\"ps815 ss1654\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.62pt\"></span></span><span class=\"ps11766\">(9\u00a0481)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11769 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.15pt\"></span></span><span class=\"ps11768\">(217)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11771 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.7pt\"></span></span><span class=\"ps11770\">52\u00a0718<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">In a year of realisation, any prior period mark-to-market gains/(losses) recognised are reversed in the unrealised line item </span></span><span class=\"f charStyle-207fba8f ps11773\">and recognised in the realised line item<span class=\"f ps2\"> </span></span><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">5</span><span class=\"f charStyle-f6a3ab10 ps11776\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11777\">Other operating income<span class=\"f ps2\"> </span></span></div><div class=\"ps72 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1650\"><div><div class=\"ps11114 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1650\"><div><div class=\"ps11114 ss114\"><span class=\"f charStyle-8d4b9b37 ps9195\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps817 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Insurance proceeds<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2816 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.62pt\"></span></span><span class=\"ps11778\">10\u00a0321<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps2817 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps824 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Losses recognised on property and equipment<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2818 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.94pt\"></span></span><span class=\"ps11779\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2819 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.66pt\"></span></span><span class=\"ps11780\">(41)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps830 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Unrealised (losses)/gains on other investments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2820 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.38pt\"></span></span><span class=\"ps11781\">775<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2821 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.44pt\"></span></span><span class=\"ps3232\">(911)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Income from operating leases<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2823 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.01pt\"></span></span><span class=\"ps9381\">1\u00a0924<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2825 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.12pt\"></span></span><span class=\"ps9673\">2\u00a0595<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps843 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Income from government grants*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2827 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.06pt\"></span></span><span class=\"ps11782\">7\u00a0757<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2829 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.24pt\"></span></span><span class=\"ps11783\">4\u00a0121<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2830 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.33pt\"></span></span><span class=\"ps11784\">20\u00a0778<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2831 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.76pt\"></span></span><span class=\"ps11785\">5\u00a0764<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps11786 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Government grants income includes Research and Development Expenditure Credits.</span></span></div><div class=\"ps11787 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">Insurance proceeds relate to a recovery in respect of a previously written off exposure on a policy that was not integral to the loan.</span></span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRevenueExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-893": {
   "value": "<div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">2<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11430\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11431\">Net interest income<span class=\"f ps2\"> </span></span></div><div class=\"ps72 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:120pt\"></td><td style=\"padding:0;width:24.75pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:52.5pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:52.5pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"4\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps6175 ss1638\"><div><div class=\"ps809 ss1070\"><span class=\"f charStyle-a26246ce ps11432\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"4\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps11434 ss1638\"><div><div class=\"ps809 ss1070\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps11433\">2025</span></div></div></div></td></tr><tr style=\"height:23.25pt\"><td style=\"padding:0\"><div class=\"ps816 ss1640\"><div><div class=\"ps3707 ss1639\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11435 ss1177\"><div><div class=\"ps11284 ss10\"><span class=\"f charStyle-6f1c08a8 ps9654\">Notes<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8323 ss1641\"><div><div class=\"ps11287 ss1335\"><span class=\"f charStyle-ef17fa27 ps11436\">Average</span></div><div class=\"ps11288 ss1335\"><span class=\"f charStyle-ef17fa27 ps9383\"> balance</span></div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-ef17fa27 ps928\">sheet</span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-ef17fa27 ps11252\"> value</span><span class=\"f charStyle-d8bac126 ps11437\"><sup>*</sup></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11439 ss1641\"><div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-a26246ce ps11268\">Interest<span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-a26246ce ps11438\"> income<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11441 ss1641\"><div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-a26246ce ps11436\">Average<span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-a26246ce ps11440\"> yield<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11447 ss1641\"><div><div class=\"ps11287 ss1335\"><span class=\"f charStyle-6f1c08a8 ps11442\">Average</span></div><div class=\"ps11288 ss1335\"><span class=\"f charStyle-6f1c08a8 ps11443\"> balance</span></div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-6f1c08a8 ps11444\">sheet</span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-6f1c08a8 ps11445\">value</span><span class=\"f charStyle-74272f2c ps11446\"><sup>*</sup></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11449 ss1641\"><div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-8d4b9b37 ps11448\">Interest<span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-8d4b9b37 ps3967\"> income<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11451 ss1641\"><div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-8d4b9b37 ps11442\">Average<span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-8d4b9b37 ps11450\"> yield<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11452 ss1642\"><div><div class=\"ps809 ss1639\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1202 ss1640\"><div><div class=\"ps997 ss1639\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cash, near cash and bank debt <span class=\"f ps2\"> </span></span></div><div class=\"ps2366 ss1639\"><span class=\"f charStyle-2b0f4fe0 ps7\">and sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11454 ss1643\"><div><div class=\"ps2366 ss10\"><span class=\"f charStyle-2b0f4fe0 ps11453\">1<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps11456 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.57pt\"></span></span><span class=\"ps11455\">9\u00a0469\u00a0766<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps11458 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.72pt\"></span></span><span class=\"ps11457\">364\u00a0431<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps11460 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps11459\"></span><span class=\"ps11459\">3.85%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11462 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.67pt\"></span></span><span class=\"ps11461\">9\u00a0976\u00a0288<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11464 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.55pt\"></span></span><span class=\"ps11463\">477\u00a0608<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ffffff;border-top:0.5pt solid #000;padding:0\"><div class=\"ps11466 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps11465\"></span><span class=\"ps11465\">4.79%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3463 ss1642\"><div><div class=\"ps815 ss1639\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11468 ss1576\"><div><div class=\"ps815 ss10\"><span class=\"f charStyle-2b0f4fe0 ps11467\">2<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11469 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.3pt\"></span></span><span class=\"ps4127\">17\u00a0328\u00a0589<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11471 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.76pt\"></span></span><span class=\"ps11470\">1\u00a0240\u00a0215<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11472 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps11282\"></span><span class=\"ps11282\">7.16%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11474 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.81pt\"></span></span><span class=\"ps11473\">16\u00a0727\u00a0744<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11475 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.86pt\"></span></span><span class=\"ps3514\">1\u00a0334\u00a0303<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11477 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps11476\"></span><span class=\"ps11476\">7.98%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3467 ss1642\"><div><div class=\"ps815 ss1639\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Private client<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11478 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.32pt\"></span></span><span class=\"ps10407\">5\u00a0469\u00a0986<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11480 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.7pt\"></span></span><span class=\"ps11479\">275\u00a0196<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11482 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps11481\"></span><span class=\"ps11481\">5.03%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11484 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.4pt\"></span></span><span class=\"ps11483\">5\u00a0183\u00a0842<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11486 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.08pt\"></span></span><span class=\"ps11485\">281\u00a0839<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ffffff;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11487 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps10044\"></span><span class=\"ps10044\">5.44%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps3472 ss1646\"><div><div class=\"ps815 ss1639\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Corporate, institutional and <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1639\"><span class=\"f charStyle-2b0f4fe0 ps1864\">other clients<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11489 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.15pt\"></span></span><span class=\"ps11488\">11\u00a0858\u00a0603<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11490 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.32pt\"></span></span><span class=\"ps9352\">965\u00a0019<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11492 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps11491\"></span><span class=\"ps11491\">8.14%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11494 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.05pt\"></span></span><span class=\"ps11493\">11\u00a0543\u00a0902<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11496 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.41pt\"></span></span><span class=\"ps11495\">1\u00a0052\u00a0464<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps11497 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps9970\"></span><span class=\"ps9970\">9.12%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps9452 ss1646\"><div><div class=\"ps815 ss1639\"><span class=\"f charStyle-9458d4de ps7\">Other debt securities and other <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1639\"><span class=\"f charStyle-9458d4de ps7\">loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11499 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.14pt\"></span></span><span class=\"ps11498\">1\u00a0115\u00a0692<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11501 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.45pt\"></span></span><span class=\"ps11500\">66\u00a0248<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11503 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps11502\"></span><span class=\"ps11502\">5.94%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11504 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.92pt\"></span></span><span class=\"ps9354\">795\u00a0811<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11505 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.77pt\"></span></span><span class=\"ps9675\">56\u00a0535<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11507 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps11506\"></span><span class=\"ps11506\">7.10%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps130 ss1642\"><div><div class=\"ps815 ss1639\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11509 ss1576\"><div><div class=\"ps815 ss10\"><span class=\"f charStyle-2b0f4fe0 ps11508\">3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11511 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.38pt\"></span></span><span class=\"ps11510\">2\u00a0961<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11513 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.78pt\"></span></span><span class=\"ps11512\">64\u00a0072<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11515 ss1522\"><div><div class=\"ps815 ss1518\"><span class=\"f charStyle-2b0f4fe0 ps11514\">n/a<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11517 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.35pt\"></span></span><span class=\"ps11516\">141\u00a0669<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11519 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.8pt\"></span></span><span class=\"ps11518\">91\u00a0654<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps11520 ss1522\"><div><div class=\"ps815 ss1518\"><span class=\"f charStyle-2b0f4fe0 ps11514\">n/a<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td></tr><tr style=\"height:12pt\"><td colspan=\"2\" style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11521 ss1649\"><div><div class=\"ps815 ss1648\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total interest-earning assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11523 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.07pt\"></span></span><span class=\"ps11522\">27\u00a0917\u00a0008<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11525 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.6pt\"></span></span><span class=\"ps11524\">1\u00a0734\u00a0966<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11527 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps11526\"></span><span class=\"ps11526\">6.21%<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11529 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.5pt\"></span></span><span class=\"ps11528\">27\u00a0641\u00a0512<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11531 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.88pt\"></span></span><span class=\"ps11530\">1\u00a0960\u00a0100<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11533 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps11532\"></span><span class=\"ps11532\">7.09%<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps11572 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:120pt\"></td><td style=\"padding:0;width:24.75pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:52.5pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:52.5pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"4\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps6175 ss1638\"><div><div class=\"ps809 ss1070\"><span class=\"f charStyle-a26246ce ps11432\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"4\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps11434 ss1638\"><div><div class=\"ps809 ss1070\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps11433\">2025</span></div></div></div></td></tr><tr style=\"height:23.25pt\"><td style=\"padding:0\"><div class=\"ps816 ss1640\"><div><div class=\"ps3707 ss1639\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11435 ss1177\"><div><div class=\"ps11284 ss10\"><span class=\"f charStyle-6f1c08a8 ps9654\">Notes<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8323 ss1641\"><div><div class=\"ps11287 ss1335\"><span class=\"f charStyle-ef17fa27 ps11436\">Average</span></div><div class=\"ps11288 ss1335\"><span class=\"f charStyle-ef17fa27 ps9383\"> balance</span></div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-ef17fa27 ps11534\"> sheet</span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-ef17fa27 ps11252\"> value</span><span class=\"f charStyle-d8bac126 ps11437\"><sup>*</sup></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11439 ss1641\"><div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-a26246ce ps11268\">Interest<span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-a26246ce ps11535\"> expense<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11441 ss1641\"><div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-a26246ce ps11436\">Average<span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-a26246ce ps11440\"> yield<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11447 ss1641\"><div><div class=\"ps11287 ss1335\"><span class=\"f charStyle-6f1c08a8 ps11442\">Average</span></div><div class=\"ps11288 ss1335\"><span class=\"f charStyle-6f1c08a8 ps11443\"> balance</span></div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-6f1c08a8 ps11444\">sheet</span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-6f1c08a8 ps11445\">value</span><span class=\"f charStyle-74272f2c ps11446\"><sup>*</sup></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11449 ss1641\"><div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-8d4b9b37 ps11448\">Interest<span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-8d4b9b37 ps8367\"> expense<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11451 ss1641\"><div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-8d4b9b37 ps11442\">Average<span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-8d4b9b37 ps11450\"> yield<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11452 ss1642\"><div><div class=\"ps809 ss1639\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1202 ss1640\"><div><div class=\"ps997 ss1639\"><span class=\"f charStyle-9458d4de ps7\">Deposits by banks and other <span class=\"f ps2\"> </span></span></div><div class=\"ps2366 ss1639\"><span class=\"f charStyle-9458d4de ps7\">debt-related securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11454 ss1643\"><div><div class=\"ps2366 ss10\"><span class=\"f charStyle-2b0f4fe0 ps11536\">4<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps11456 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.28pt\"></span></span><span class=\"ps11537\">3\u00a0190\u00a0496<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps11458 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0 ps11538\">116\u00a0924<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps11460 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps5563\"></span><span class=\"ps5563\">3.66%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11462 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17pt\"></span></span><span class=\"ps11094\">3\u00a0112\u00a0165<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11464 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0 ps11539\">121\u00a0022<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ffffff;border-top:0.5pt solid #000;padding:0\"><div class=\"ps11466 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps11540\"></span><span class=\"ps11540\">3.89%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3463 ss1642\"><div><div class=\"ps815 ss1639\"><span class=\"f charStyle-2b0f4fe0 ps7\">Customer accounts (deposits)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11469 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.21pt\"></span></span><span class=\"ps11541\">21\u00a0726\u00a0884<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11471 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0 ps11542\">811\u00a0529<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11472 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps11543\"></span><span class=\"ps11543\">3.74%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11474 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.7pt\"></span></span><span class=\"ps11544\">21\u00a0446\u00a0503<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11475 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0 ps11545\">944\u00a0449<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ffffff;padding:0\"><div class=\"ps11477 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps2281\"></span><span class=\"ps2281\">4.40%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3467 ss1642\"><div><div class=\"ps815 ss1639\"><span class=\"f charStyle-2b0f4fe0 ps7\">Subordinated liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11478 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.52pt\"></span></span><span class=\"ps11546\">710\u00a0045<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11480 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0 ps11547\">44\u00a0232<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11482 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps5563\"></span><span class=\"ps5563\">6.23%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11484 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.04pt\"></span></span><span class=\"ps11548\">690\u00a0103<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11486 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0 ps11549\">42\u00a0565<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ffffff;padding:0\"><div class=\"ps11487 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps11282\"></span><span class=\"ps11282\">6.17%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3472 ss1642\"><div><div class=\"ps815 ss1639\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11551 ss1576\"><div><div class=\"ps815 ss10\"><span class=\"f charStyle-2b0f4fe0 ps11550\">5<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11489 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.44pt\"></span></span><span class=\"ps9598\">161\u00a0609<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11490 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0 ps8377\">41\u00a0005<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11492 ss1522\"><div><div class=\"ps815 ss1518\"><span class=\"f charStyle-2b0f4fe0 ps11514\">n/a<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11494 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.96pt\"></span></span><span class=\"ps6947\">219\u00a0339<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11496 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0 ps11552\">77\u00a0411<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11497 ss1522\"><div><div class=\"ps815 ss1518\"><span class=\"f charStyle-2b0f4fe0 ps11514\">n/a<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td colspan=\"2\" style=\"background-color:#ececeb;padding:0\"><div class=\"ps3477 ss1649\"><div><div class=\"ps815 ss1648\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total interest-bearing liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps11554 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.51pt\"></span></span><span class=\"ps11553\">25\u00a0789\u00a0034<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps11556 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.1pt\"></span></span><span class=\"ps11555\">1\u00a0013\u00a0690<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps11558 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps11557\"></span><span class=\"ps11557\">3.93%<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11560 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.57pt\"></span></span><span class=\"ps11559\">25\u00a0468\u00a0110<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11562 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5 ps11561\">1\u00a0185\u00a0447<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ececeb;padding:0\"><div class=\"ps11564 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps11563\"></span><span class=\"ps11563\">4.65%<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps1217 ss1642\"><div><div class=\"ps815 ss1639\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net interest income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps11565 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.35pt\"></span></span><span class=\"ps11138\">721\u00a0276<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11567 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5 ps11566\">774\u00a0653<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3485 ss1642\"><div><div class=\"ps815 ss1639\"><span class=\"f charStyle-b7f6e8e5 ps7\">Annualised net interest margin<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11569 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5 ps11568\">2.58%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11571 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5 ps11570\">2.80%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps11573 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c39f85c2 ps23\">Notes:<span class=\"f ps2\"> </span></span></div><div class=\"ps11574 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">1<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">Comprises (as per the balance sheet) cash and balances at central banks; loans and advances to banks; reverse repurchase agreements and cash collateral on </span></span></div><div class=\"ps11575 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">securities borrowed; sovereign debt securities; and bank debt securities.<span class=\"f ps2\"> </span></span></div><div class=\"ps11576 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">2<span style=\"display:inline-block;height:5.81pt;width:10.51pt\"></span></span><span class=\"ps968\">Comprises (as per the balance sheet) loans and advances to customers.</span></span></div><div class=\"ps11577 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">3<span style=\"display:inline-block;height:5.81pt;width:10.4pt\"></span></span><span class=\"ps968\">Comprises (as per the balance sheet) lease receivables (housed in other assets on the balance sheet) and other assets as well as interest income from derivative </span></span></div><div class=\"ps11578 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">financial instruments and off-balance sheet assets where the nominal amount is not reflected on the balance sheet.</span></div><div class=\"ps11579 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">4<span style=\"display:inline-block;height:5.81pt;width:10.42pt\"></span></span><span class=\"ps968\">Comprises (as per the balance sheet) deposits by banks; debt securities in issue; repurchase agreements and cash collateral on securities lent.</span></span></div><div class=\"ps11580 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">5<span style=\"display:inline-block;height:5.81pt;width:10.6pt\"></span></span><span class=\"ps968\">Comprises (as per the balance sheet) liabilities arising from lease liabilities (housed in other liabilities on the balance sheet) as well as interest expense from derivative </span></span></div><div class=\"ps11581 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">financial instruments where the nominal amount is not reflected on the balance sheet.</span></div><div class=\"ps11583 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">The average balance sheet value is calculated using a straight-line 13-point average.</span></span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestExpenseExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-892": {
   "value": "<div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">2<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11430\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11431\">Net interest income<span class=\"f ps2\"> </span></span></div><div class=\"ps72 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:120pt\"></td><td style=\"padding:0;width:24.75pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:52.5pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:52.5pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"4\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps6175 ss1638\"><div><div class=\"ps809 ss1070\"><span class=\"f charStyle-a26246ce ps11432\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"4\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps11434 ss1638\"><div><div class=\"ps809 ss1070\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps11433\">2025</span></div></div></div></td></tr><tr style=\"height:23.25pt\"><td style=\"padding:0\"><div class=\"ps816 ss1640\"><div><div class=\"ps3707 ss1639\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11435 ss1177\"><div><div class=\"ps11284 ss10\"><span class=\"f charStyle-6f1c08a8 ps9654\">Notes<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8323 ss1641\"><div><div class=\"ps11287 ss1335\"><span class=\"f charStyle-ef17fa27 ps11436\">Average</span></div><div class=\"ps11288 ss1335\"><span class=\"f charStyle-ef17fa27 ps9383\"> balance</span></div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-ef17fa27 ps928\">sheet</span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-ef17fa27 ps11252\"> value</span><span class=\"f charStyle-d8bac126 ps11437\"><sup>*</sup></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11439 ss1641\"><div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-a26246ce ps11268\">Interest<span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-a26246ce ps11438\"> income<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11441 ss1641\"><div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-a26246ce ps11436\">Average<span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-a26246ce ps11440\"> yield<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11447 ss1641\"><div><div class=\"ps11287 ss1335\"><span class=\"f charStyle-6f1c08a8 ps11442\">Average</span></div><div class=\"ps11288 ss1335\"><span class=\"f charStyle-6f1c08a8 ps11443\"> balance</span></div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-6f1c08a8 ps11444\">sheet</span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-6f1c08a8 ps11445\">value</span><span class=\"f charStyle-74272f2c ps11446\"><sup>*</sup></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11449 ss1641\"><div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-8d4b9b37 ps11448\">Interest<span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-8d4b9b37 ps3967\"> income<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11451 ss1641\"><div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-8d4b9b37 ps11442\">Average<span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-8d4b9b37 ps11450\"> yield<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11452 ss1642\"><div><div class=\"ps809 ss1639\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1202 ss1640\"><div><div class=\"ps997 ss1639\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cash, near cash and bank debt <span class=\"f ps2\"> </span></span></div><div class=\"ps2366 ss1639\"><span class=\"f charStyle-2b0f4fe0 ps7\">and sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11454 ss1643\"><div><div class=\"ps2366 ss10\"><span class=\"f charStyle-2b0f4fe0 ps11453\">1<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps11456 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.57pt\"></span></span><span class=\"ps11455\">9\u00a0469\u00a0766<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps11458 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.72pt\"></span></span><span class=\"ps11457\">364\u00a0431<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps11460 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps11459\"></span><span class=\"ps11459\">3.85%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11462 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.67pt\"></span></span><span class=\"ps11461\">9\u00a0976\u00a0288<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11464 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.55pt\"></span></span><span class=\"ps11463\">477\u00a0608<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ffffff;border-top:0.5pt solid #000;padding:0\"><div class=\"ps11466 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps11465\"></span><span class=\"ps11465\">4.79%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3463 ss1642\"><div><div class=\"ps815 ss1639\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11468 ss1576\"><div><div class=\"ps815 ss10\"><span class=\"f charStyle-2b0f4fe0 ps11467\">2<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11469 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.3pt\"></span></span><span class=\"ps4127\">17\u00a0328\u00a0589<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11471 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.76pt\"></span></span><span class=\"ps11470\">1\u00a0240\u00a0215<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11472 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps11282\"></span><span class=\"ps11282\">7.16%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11474 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.81pt\"></span></span><span class=\"ps11473\">16\u00a0727\u00a0744<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11475 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.86pt\"></span></span><span class=\"ps3514\">1\u00a0334\u00a0303<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11477 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps11476\"></span><span class=\"ps11476\">7.98%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3467 ss1642\"><div><div class=\"ps815 ss1639\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Private client<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11478 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.32pt\"></span></span><span class=\"ps10407\">5\u00a0469\u00a0986<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11480 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.7pt\"></span></span><span class=\"ps11479\">275\u00a0196<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11482 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps11481\"></span><span class=\"ps11481\">5.03%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11484 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.4pt\"></span></span><span class=\"ps11483\">5\u00a0183\u00a0842<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11486 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.08pt\"></span></span><span class=\"ps11485\">281\u00a0839<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ffffff;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11487 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps10044\"></span><span class=\"ps10044\">5.44%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps3472 ss1646\"><div><div class=\"ps815 ss1639\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Corporate, institutional and <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1639\"><span class=\"f charStyle-2b0f4fe0 ps1864\">other clients<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11489 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.15pt\"></span></span><span class=\"ps11488\">11\u00a0858\u00a0603<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11490 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.32pt\"></span></span><span class=\"ps9352\">965\u00a0019<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11492 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps11491\"></span><span class=\"ps11491\">8.14%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11494 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.05pt\"></span></span><span class=\"ps11493\">11\u00a0543\u00a0902<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11496 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.41pt\"></span></span><span class=\"ps11495\">1\u00a0052\u00a0464<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps11497 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps9970\"></span><span class=\"ps9970\">9.12%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps9452 ss1646\"><div><div class=\"ps815 ss1639\"><span class=\"f charStyle-9458d4de ps7\">Other debt securities and other <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1639\"><span class=\"f charStyle-9458d4de ps7\">loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11499 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.14pt\"></span></span><span class=\"ps11498\">1\u00a0115\u00a0692<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11501 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.45pt\"></span></span><span class=\"ps11500\">66\u00a0248<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11503 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps11502\"></span><span class=\"ps11502\">5.94%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11504 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.92pt\"></span></span><span class=\"ps9354\">795\u00a0811<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11505 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.77pt\"></span></span><span class=\"ps9675\">56\u00a0535<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11507 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps11506\"></span><span class=\"ps11506\">7.10%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps130 ss1642\"><div><div class=\"ps815 ss1639\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11509 ss1576\"><div><div class=\"ps815 ss10\"><span class=\"f charStyle-2b0f4fe0 ps11508\">3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11511 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.38pt\"></span></span><span class=\"ps11510\">2\u00a0961<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11513 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.78pt\"></span></span><span class=\"ps11512\">64\u00a0072<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11515 ss1522\"><div><div class=\"ps815 ss1518\"><span class=\"f charStyle-2b0f4fe0 ps11514\">n/a<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11517 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.35pt\"></span></span><span class=\"ps11516\">141\u00a0669<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11519 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.8pt\"></span></span><span class=\"ps11518\">91\u00a0654<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps11520 ss1522\"><div><div class=\"ps815 ss1518\"><span class=\"f charStyle-2b0f4fe0 ps11514\">n/a<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td></tr><tr style=\"height:12pt\"><td colspan=\"2\" style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11521 ss1649\"><div><div class=\"ps815 ss1648\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total interest-earning assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11523 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.07pt\"></span></span><span class=\"ps11522\">27\u00a0917\u00a0008<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11525 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.6pt\"></span></span><span class=\"ps11524\">1\u00a0734\u00a0966<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11527 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps11526\"></span><span class=\"ps11526\">6.21%<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11529 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.5pt\"></span></span><span class=\"ps11528\">27\u00a0641\u00a0512<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11531 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.88pt\"></span></span><span class=\"ps11530\">1\u00a0960\u00a0100<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11533 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps11532\"></span><span class=\"ps11532\">7.09%<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps11572 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:120pt\"></td><td style=\"padding:0;width:24.75pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:52.5pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:52.5pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"4\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps6175 ss1638\"><div><div class=\"ps809 ss1070\"><span class=\"f charStyle-a26246ce ps11432\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"4\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps11434 ss1638\"><div><div class=\"ps809 ss1070\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps11433\">2025</span></div></div></div></td></tr><tr style=\"height:23.25pt\"><td style=\"padding:0\"><div class=\"ps816 ss1640\"><div><div class=\"ps3707 ss1639\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11435 ss1177\"><div><div class=\"ps11284 ss10\"><span class=\"f charStyle-6f1c08a8 ps9654\">Notes<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8323 ss1641\"><div><div class=\"ps11287 ss1335\"><span class=\"f charStyle-ef17fa27 ps11436\">Average</span></div><div class=\"ps11288 ss1335\"><span class=\"f charStyle-ef17fa27 ps9383\"> balance</span></div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-ef17fa27 ps11534\"> sheet</span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-ef17fa27 ps11252\"> value</span><span class=\"f charStyle-d8bac126 ps11437\"><sup>*</sup></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11439 ss1641\"><div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-a26246ce ps11268\">Interest<span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-a26246ce ps11535\"> expense<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11441 ss1641\"><div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-a26246ce ps11436\">Average<span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-a26246ce ps11440\"> yield<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11447 ss1641\"><div><div class=\"ps11287 ss1335\"><span class=\"f charStyle-6f1c08a8 ps11442\">Average</span></div><div class=\"ps11288 ss1335\"><span class=\"f charStyle-6f1c08a8 ps11443\"> balance</span></div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-6f1c08a8 ps11444\">sheet</span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-6f1c08a8 ps11445\">value</span><span class=\"f charStyle-74272f2c ps11446\"><sup>*</sup></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11449 ss1641\"><div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-8d4b9b37 ps11448\">Interest<span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-8d4b9b37 ps8367\"> expense<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11451 ss1641\"><div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-8d4b9b37 ps11442\">Average<span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-8d4b9b37 ps11450\"> yield<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11452 ss1642\"><div><div class=\"ps809 ss1639\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1202 ss1640\"><div><div class=\"ps997 ss1639\"><span class=\"f charStyle-9458d4de ps7\">Deposits by banks and other <span class=\"f ps2\"> </span></span></div><div class=\"ps2366 ss1639\"><span class=\"f charStyle-9458d4de ps7\">debt-related securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11454 ss1643\"><div><div class=\"ps2366 ss10\"><span class=\"f charStyle-2b0f4fe0 ps11536\">4<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps11456 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.28pt\"></span></span><span class=\"ps11537\">3\u00a0190\u00a0496<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps11458 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0 ps11538\">116\u00a0924<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps11460 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps5563\"></span><span class=\"ps5563\">3.66%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11462 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17pt\"></span></span><span class=\"ps11094\">3\u00a0112\u00a0165<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11464 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0 ps11539\">121\u00a0022<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ffffff;border-top:0.5pt solid #000;padding:0\"><div class=\"ps11466 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps11540\"></span><span class=\"ps11540\">3.89%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3463 ss1642\"><div><div class=\"ps815 ss1639\"><span class=\"f charStyle-2b0f4fe0 ps7\">Customer accounts (deposits)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11469 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.21pt\"></span></span><span class=\"ps11541\">21\u00a0726\u00a0884<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11471 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0 ps11542\">811\u00a0529<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11472 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps11543\"></span><span class=\"ps11543\">3.74%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11474 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.7pt\"></span></span><span class=\"ps11544\">21\u00a0446\u00a0503<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11475 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0 ps11545\">944\u00a0449<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ffffff;padding:0\"><div class=\"ps11477 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps2281\"></span><span class=\"ps2281\">4.40%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3467 ss1642\"><div><div class=\"ps815 ss1639\"><span class=\"f charStyle-2b0f4fe0 ps7\">Subordinated liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11478 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.52pt\"></span></span><span class=\"ps11546\">710\u00a0045<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11480 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0 ps11547\">44\u00a0232<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11482 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps5563\"></span><span class=\"ps5563\">6.23%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11484 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.04pt\"></span></span><span class=\"ps11548\">690\u00a0103<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11486 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0 ps11549\">42\u00a0565<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ffffff;padding:0\"><div class=\"ps11487 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps11282\"></span><span class=\"ps11282\">6.17%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3472 ss1642\"><div><div class=\"ps815 ss1639\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11551 ss1576\"><div><div class=\"ps815 ss10\"><span class=\"f charStyle-2b0f4fe0 ps11550\">5<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11489 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.44pt\"></span></span><span class=\"ps9598\">161\u00a0609<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11490 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0 ps8377\">41\u00a0005<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11492 ss1522\"><div><div class=\"ps815 ss1518\"><span class=\"f charStyle-2b0f4fe0 ps11514\">n/a<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11494 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.96pt\"></span></span><span class=\"ps6947\">219\u00a0339<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11496 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0 ps11552\">77\u00a0411<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11497 ss1522\"><div><div class=\"ps815 ss1518\"><span class=\"f charStyle-2b0f4fe0 ps11514\">n/a<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td colspan=\"2\" style=\"background-color:#ececeb;padding:0\"><div class=\"ps3477 ss1649\"><div><div class=\"ps815 ss1648\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total interest-bearing liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps11554 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.51pt\"></span></span><span class=\"ps11553\">25\u00a0789\u00a0034<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps11556 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.1pt\"></span></span><span class=\"ps11555\">1\u00a0013\u00a0690<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps11558 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps11557\"></span><span class=\"ps11557\">3.93%<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11560 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.57pt\"></span></span><span class=\"ps11559\">25\u00a0468\u00a0110<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11562 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5 ps11561\">1\u00a0185\u00a0447<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ececeb;padding:0\"><div class=\"ps11564 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps11563\"></span><span class=\"ps11563\">4.65%<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps1217 ss1642\"><div><div class=\"ps815 ss1639\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net interest income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps11565 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.35pt\"></span></span><span class=\"ps11138\">721\u00a0276<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11567 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5 ps11566\">774\u00a0653<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3485 ss1642\"><div><div class=\"ps815 ss1639\"><span class=\"f charStyle-b7f6e8e5 ps7\">Annualised net interest margin<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11569 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5 ps11568\">2.58%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11571 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5 ps11570\">2.80%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps11573 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c39f85c2 ps23\">Notes:<span class=\"f ps2\"> </span></span></div><div class=\"ps11574 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">1<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">Comprises (as per the balance sheet) cash and balances at central banks; loans and advances to banks; reverse repurchase agreements and cash collateral on </span></span></div><div class=\"ps11575 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">securities borrowed; sovereign debt securities; and bank debt securities.<span class=\"f ps2\"> </span></span></div><div class=\"ps11576 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">2<span style=\"display:inline-block;height:5.81pt;width:10.51pt\"></span></span><span class=\"ps968\">Comprises (as per the balance sheet) loans and advances to customers.</span></span></div><div class=\"ps11577 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">3<span style=\"display:inline-block;height:5.81pt;width:10.4pt\"></span></span><span class=\"ps968\">Comprises (as per the balance sheet) lease receivables (housed in other assets on the balance sheet) and other assets as well as interest income from derivative </span></span></div><div class=\"ps11578 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">financial instruments and off-balance sheet assets where the nominal amount is not reflected on the balance sheet.</span></div><div class=\"ps11579 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">4<span style=\"display:inline-block;height:5.81pt;width:10.42pt\"></span></span><span class=\"ps968\">Comprises (as per the balance sheet) deposits by banks; debt securities in issue; repurchase agreements and cash collateral on securities lent.</span></span></div><div class=\"ps11580 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">5<span style=\"display:inline-block;height:5.81pt;width:10.6pt\"></span></span><span class=\"ps968\">Comprises (as per the balance sheet) liabilities arising from lease liabilities (housed in other liabilities on the balance sheet) as well as interest expense from derivative </span></span></div><div class=\"ps11581 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">financial instruments where the nominal amount is not reflected on the balance sheet.</span></div><div class=\"ps11583 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">The average balance sheet value is calculated using a straight-line 13-point average.</span></span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestIncomeExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-891": {
   "value": "<div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">2<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11430\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11431\">Net interest income<span class=\"f ps2\"> </span></span></div><div class=\"ps72 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:120pt\"></td><td style=\"padding:0;width:24.75pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:52.5pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:52.5pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"4\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps6175 ss1638\"><div><div class=\"ps809 ss1070\"><span class=\"f charStyle-a26246ce ps11432\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"4\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps11434 ss1638\"><div><div class=\"ps809 ss1070\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps11433\">2025</span></div></div></div></td></tr><tr style=\"height:23.25pt\"><td style=\"padding:0\"><div class=\"ps816 ss1640\"><div><div class=\"ps3707 ss1639\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11435 ss1177\"><div><div class=\"ps11284 ss10\"><span class=\"f charStyle-6f1c08a8 ps9654\">Notes<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8323 ss1641\"><div><div class=\"ps11287 ss1335\"><span class=\"f charStyle-ef17fa27 ps11436\">Average</span></div><div class=\"ps11288 ss1335\"><span class=\"f charStyle-ef17fa27 ps9383\"> balance</span></div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-ef17fa27 ps928\">sheet</span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-ef17fa27 ps11252\"> value</span><span class=\"f charStyle-d8bac126 ps11437\"><sup>*</sup></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11439 ss1641\"><div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-a26246ce ps11268\">Interest<span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-a26246ce ps11438\"> income<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11441 ss1641\"><div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-a26246ce ps11436\">Average<span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-a26246ce ps11440\"> yield<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11447 ss1641\"><div><div class=\"ps11287 ss1335\"><span class=\"f charStyle-6f1c08a8 ps11442\">Average</span></div><div class=\"ps11288 ss1335\"><span class=\"f charStyle-6f1c08a8 ps11443\"> balance</span></div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-6f1c08a8 ps11444\">sheet</span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-6f1c08a8 ps11445\">value</span><span class=\"f charStyle-74272f2c ps11446\"><sup>*</sup></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11449 ss1641\"><div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-8d4b9b37 ps11448\">Interest<span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-8d4b9b37 ps3967\"> income<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11451 ss1641\"><div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-8d4b9b37 ps11442\">Average<span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-8d4b9b37 ps11450\"> yield<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11452 ss1642\"><div><div class=\"ps809 ss1639\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1202 ss1640\"><div><div class=\"ps997 ss1639\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cash, near cash and bank debt <span class=\"f ps2\"> </span></span></div><div class=\"ps2366 ss1639\"><span class=\"f charStyle-2b0f4fe0 ps7\">and sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11454 ss1643\"><div><div class=\"ps2366 ss10\"><span class=\"f charStyle-2b0f4fe0 ps11453\">1<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps11456 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.57pt\"></span></span><span class=\"ps11455\">9\u00a0469\u00a0766<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps11458 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.72pt\"></span></span><span class=\"ps11457\">364\u00a0431<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps11460 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps11459\"></span><span class=\"ps11459\">3.85%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11462 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.67pt\"></span></span><span class=\"ps11461\">9\u00a0976\u00a0288<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11464 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.55pt\"></span></span><span class=\"ps11463\">477\u00a0608<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ffffff;border-top:0.5pt solid #000;padding:0\"><div class=\"ps11466 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps11465\"></span><span class=\"ps11465\">4.79%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3463 ss1642\"><div><div class=\"ps815 ss1639\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11468 ss1576\"><div><div class=\"ps815 ss10\"><span class=\"f charStyle-2b0f4fe0 ps11467\">2<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11469 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.3pt\"></span></span><span class=\"ps4127\">17\u00a0328\u00a0589<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11471 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.76pt\"></span></span><span class=\"ps11470\">1\u00a0240\u00a0215<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11472 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps11282\"></span><span class=\"ps11282\">7.16%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11474 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.81pt\"></span></span><span class=\"ps11473\">16\u00a0727\u00a0744<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11475 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.86pt\"></span></span><span class=\"ps3514\">1\u00a0334\u00a0303<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11477 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps11476\"></span><span class=\"ps11476\">7.98%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3467 ss1642\"><div><div class=\"ps815 ss1639\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Private client<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11478 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.32pt\"></span></span><span class=\"ps10407\">5\u00a0469\u00a0986<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11480 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.7pt\"></span></span><span class=\"ps11479\">275\u00a0196<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11482 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps11481\"></span><span class=\"ps11481\">5.03%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11484 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.4pt\"></span></span><span class=\"ps11483\">5\u00a0183\u00a0842<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11486 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.08pt\"></span></span><span class=\"ps11485\">281\u00a0839<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ffffff;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11487 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps10044\"></span><span class=\"ps10044\">5.44%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps3472 ss1646\"><div><div class=\"ps815 ss1639\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Corporate, institutional and <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1639\"><span class=\"f charStyle-2b0f4fe0 ps1864\">other clients<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11489 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.15pt\"></span></span><span class=\"ps11488\">11\u00a0858\u00a0603<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11490 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.32pt\"></span></span><span class=\"ps9352\">965\u00a0019<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11492 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps11491\"></span><span class=\"ps11491\">8.14%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11494 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.05pt\"></span></span><span class=\"ps11493\">11\u00a0543\u00a0902<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11496 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.41pt\"></span></span><span class=\"ps11495\">1\u00a0052\u00a0464<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps11497 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps9970\"></span><span class=\"ps9970\">9.12%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps9452 ss1646\"><div><div class=\"ps815 ss1639\"><span class=\"f charStyle-9458d4de ps7\">Other debt securities and other <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1639\"><span class=\"f charStyle-9458d4de ps7\">loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11499 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.14pt\"></span></span><span class=\"ps11498\">1\u00a0115\u00a0692<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11501 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.45pt\"></span></span><span class=\"ps11500\">66\u00a0248<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11503 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps11502\"></span><span class=\"ps11502\">5.94%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11504 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.92pt\"></span></span><span class=\"ps9354\">795\u00a0811<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11505 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.77pt\"></span></span><span class=\"ps9675\">56\u00a0535<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ffffff;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11507 ss1647\"><div><div class=\"ps469 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps11506\"></span><span class=\"ps11506\">7.10%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps130 ss1642\"><div><div class=\"ps815 ss1639\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11509 ss1576\"><div><div class=\"ps815 ss10\"><span class=\"f charStyle-2b0f4fe0 ps11508\">3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11511 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.38pt\"></span></span><span class=\"ps11510\">2\u00a0961<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11513 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.78pt\"></span></span><span class=\"ps11512\">64\u00a0072<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11515 ss1522\"><div><div class=\"ps815 ss1518\"><span class=\"f charStyle-2b0f4fe0 ps11514\">n/a<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11517 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.35pt\"></span></span><span class=\"ps11516\">141\u00a0669<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11519 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.8pt\"></span></span><span class=\"ps11518\">91\u00a0654<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps11520 ss1522\"><div><div class=\"ps815 ss1518\"><span class=\"f charStyle-2b0f4fe0 ps11514\">n/a<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td></tr><tr style=\"height:12pt\"><td colspan=\"2\" style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11521 ss1649\"><div><div class=\"ps815 ss1648\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total interest-earning assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11523 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.07pt\"></span></span><span class=\"ps11522\">27\u00a0917\u00a0008<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11525 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.6pt\"></span></span><span class=\"ps11524\">1\u00a0734\u00a0966<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11527 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps11526\"></span><span class=\"ps11526\">6.21%<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11529 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.5pt\"></span></span><span class=\"ps11528\">27\u00a0641\u00a0512<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11531 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.88pt\"></span></span><span class=\"ps11530\">1\u00a0960\u00a0100<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11533 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps11532\"></span><span class=\"ps11532\">7.09%<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps11572 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:120pt\"></td><td style=\"padding:0;width:24.75pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:52.5pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:52.5pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"4\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps6175 ss1638\"><div><div class=\"ps809 ss1070\"><span class=\"f charStyle-a26246ce ps11432\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"4\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps11434 ss1638\"><div><div class=\"ps809 ss1070\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps11433\">2025</span></div></div></div></td></tr><tr style=\"height:23.25pt\"><td style=\"padding:0\"><div class=\"ps816 ss1640\"><div><div class=\"ps3707 ss1639\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11435 ss1177\"><div><div class=\"ps11284 ss10\"><span class=\"f charStyle-6f1c08a8 ps9654\">Notes<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8323 ss1641\"><div><div class=\"ps11287 ss1335\"><span class=\"f charStyle-ef17fa27 ps11436\">Average</span></div><div class=\"ps11288 ss1335\"><span class=\"f charStyle-ef17fa27 ps9383\"> balance</span></div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-ef17fa27 ps11534\"> sheet</span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-ef17fa27 ps11252\"> value</span><span class=\"f charStyle-d8bac126 ps11437\"><sup>*</sup></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11439 ss1641\"><div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-a26246ce ps11268\">Interest<span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-a26246ce ps11535\"> expense<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11441 ss1641\"><div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-a26246ce ps11436\">Average<span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-a26246ce ps11440\"> yield<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11447 ss1641\"><div><div class=\"ps11287 ss1335\"><span class=\"f charStyle-6f1c08a8 ps11442\">Average</span></div><div class=\"ps11288 ss1335\"><span class=\"f charStyle-6f1c08a8 ps11443\"> balance</span></div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-6f1c08a8 ps11444\">sheet</span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-6f1c08a8 ps11445\">value</span><span class=\"f charStyle-74272f2c ps11446\"><sup>*</sup></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11449 ss1641\"><div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-8d4b9b37 ps11448\">Interest<span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-8d4b9b37 ps8367\"> expense<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11451 ss1641\"><div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-8d4b9b37 ps11442\">Average<span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-8d4b9b37 ps11450\"> yield<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11452 ss1642\"><div><div class=\"ps809 ss1639\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1202 ss1640\"><div><div class=\"ps997 ss1639\"><span class=\"f charStyle-9458d4de ps7\">Deposits by banks and other <span class=\"f ps2\"> </span></span></div><div class=\"ps2366 ss1639\"><span class=\"f charStyle-9458d4de ps7\">debt-related securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11454 ss1643\"><div><div class=\"ps2366 ss10\"><span class=\"f charStyle-2b0f4fe0 ps11536\">4<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps11456 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.28pt\"></span></span><span class=\"ps11537\">3\u00a0190\u00a0496<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps11458 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0 ps11538\">116\u00a0924<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps11460 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps5563\"></span><span class=\"ps5563\">3.66%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11462 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17pt\"></span></span><span class=\"ps11094\">3\u00a0112\u00a0165<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11464 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0 ps11539\">121\u00a0022<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ffffff;border-top:0.5pt solid #000;padding:0\"><div class=\"ps11466 ss1644\"><div><div class=\"ps2366 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps11540\"></span><span class=\"ps11540\">3.89%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3463 ss1642\"><div><div class=\"ps815 ss1639\"><span class=\"f charStyle-2b0f4fe0 ps7\">Customer accounts (deposits)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11469 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.21pt\"></span></span><span class=\"ps11541\">21\u00a0726\u00a0884<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11471 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0 ps11542\">811\u00a0529<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11472 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps11543\"></span><span class=\"ps11543\">3.74%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11474 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.7pt\"></span></span><span class=\"ps11544\">21\u00a0446\u00a0503<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11475 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0 ps11545\">944\u00a0449<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ffffff;padding:0\"><div class=\"ps11477 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps2281\"></span><span class=\"ps2281\">4.40%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3467 ss1642\"><div><div class=\"ps815 ss1639\"><span class=\"f charStyle-2b0f4fe0 ps7\">Subordinated liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11478 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.52pt\"></span></span><span class=\"ps11546\">710\u00a0045<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11480 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0 ps11547\">44\u00a0232<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11482 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps5563\"></span><span class=\"ps5563\">6.23%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11484 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.04pt\"></span></span><span class=\"ps11548\">690\u00a0103<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11486 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0 ps11549\">42\u00a0565<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ffffff;padding:0\"><div class=\"ps11487 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps11282\"></span><span class=\"ps11282\">6.17%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3472 ss1642\"><div><div class=\"ps815 ss1639\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11551 ss1576\"><div><div class=\"ps815 ss10\"><span class=\"f charStyle-2b0f4fe0 ps11550\">5<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11489 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.44pt\"></span></span><span class=\"ps9598\">161\u00a0609<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11490 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0 ps8377\">41\u00a0005<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11492 ss1522\"><div><div class=\"ps815 ss1518\"><span class=\"f charStyle-2b0f4fe0 ps11514\">n/a<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11494 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.96pt\"></span></span><span class=\"ps6947\">219\u00a0339<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11496 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0 ps11552\">77\u00a0411<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11497 ss1522\"><div><div class=\"ps815 ss1518\"><span class=\"f charStyle-2b0f4fe0 ps11514\">n/a<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td colspan=\"2\" style=\"background-color:#ececeb;padding:0\"><div class=\"ps3477 ss1649\"><div><div class=\"ps815 ss1648\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total interest-bearing liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps11554 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.51pt\"></span></span><span class=\"ps11553\">25\u00a0789\u00a0034<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps11556 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.1pt\"></span></span><span class=\"ps11555\">1\u00a0013\u00a0690<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps11558 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps11557\"></span><span class=\"ps11557\">3.93%<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11560 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.57pt\"></span></span><span class=\"ps11559\">25\u00a0468\u00a0110<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11562 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5 ps11561\">1\u00a0185\u00a0447<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#ececeb;padding:0\"><div class=\"ps11564 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps11563\"></span><span class=\"ps11563\">4.65%<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps1217 ss1642\"><div><div class=\"ps815 ss1639\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net interest income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps11565 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.35pt\"></span></span><span class=\"ps11138\">721\u00a0276<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11567 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5 ps11566\">774\u00a0653<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3485 ss1642\"><div><div class=\"ps815 ss1639\"><span class=\"f charStyle-b7f6e8e5 ps7\">Annualised net interest margin<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11569 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5 ps11568\">2.58%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11571 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5 ps11570\">2.80%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps11573 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c39f85c2 ps23\">Notes:<span class=\"f ps2\"> </span></span></div><div class=\"ps11574 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">1<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">Comprises (as per the balance sheet) cash and balances at central banks; loans and advances to banks; reverse repurchase agreements and cash collateral on </span></span></div><div class=\"ps11575 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">securities borrowed; sovereign debt securities; and bank debt securities.<span class=\"f ps2\"> </span></span></div><div class=\"ps11576 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">2<span style=\"display:inline-block;height:5.81pt;width:10.51pt\"></span></span><span class=\"ps968\">Comprises (as per the balance sheet) loans and advances to customers.</span></span></div><div class=\"ps11577 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">3<span style=\"display:inline-block;height:5.81pt;width:10.4pt\"></span></span><span class=\"ps968\">Comprises (as per the balance sheet) lease receivables (housed in other assets on the balance sheet) and other assets as well as interest income from derivative </span></span></div><div class=\"ps11578 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">financial instruments and off-balance sheet assets where the nominal amount is not reflected on the balance sheet.</span></div><div class=\"ps11579 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">4<span style=\"display:inline-block;height:5.81pt;width:10.42pt\"></span></span><span class=\"ps968\">Comprises (as per the balance sheet) deposits by banks; debt securities in issue; repurchase agreements and cash collateral on securities lent.</span></span></div><div class=\"ps11580 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">5<span style=\"display:inline-block;height:5.81pt;width:10.6pt\"></span></span><span class=\"ps968\">Comprises (as per the balance sheet) liabilities arising from lease liabilities (housed in other liabilities on the balance sheet) as well as interest expense from derivative </span></span></div><div class=\"ps11581 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">financial instruments where the nominal amount is not reflected on the balance sheet.</span></div><div class=\"ps11583 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">The average balance sheet value is calculated using a straight-line 13-point average.</span></span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestIncomeExpenseExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-895": {
   "value": "<span class=\"f charStyle-f6a3ab10 ps11584\">3<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11585\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11586\">Net fee and commission income<span class=\"f ps2\"> </span></span><div class=\"ps11275 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1650\"><div><div class=\"ps11114 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1650\"><div><div class=\"ps11114 ss114\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps9195\">2025</span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps817 ss1651\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Wealth &amp; Investment businesses net fee and commission income*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2816 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.26pt\"></span></span><span class=\"ps11587\">11\u00a0437<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2817 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.57pt\"></span></span><span class=\"ps11588\">9\u00a0370<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9200 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fund management fees/fees for assets under management<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9202 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.36pt\"></span></span><span class=\"ps11589\">10\u00a0335<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps9203 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.95pt\"></span></span><span class=\"ps11590\">9\u00a0050<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9204 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Private client transactional fees<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9206 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.59pt\"></span></span><span class=\"ps11591\">1\u00a0957<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps9208 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.22pt\"></span></span><span class=\"ps11592\">1\u00a0374<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4003 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fee and commission expense<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9211 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.19pt\"></span></span><span class=\"ps11593\">(855)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps9213 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.5pt\"></span></span><span class=\"ps11336\">(1\u00a0054)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps4562 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Specialist Banking net fee and commission income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps9215 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.44pt\"></span></span><span class=\"ps11594\">195\u00a0408<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9217 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.53pt\"></span></span><span class=\"ps11595\">171\u00a0462<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9218 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-9458d4de ps7\">Specialist Banking fee and commission income</span><span class=\"f charStyle-70e7a25b ps11596\"><span class=\"f ps2\"> </span><sup>^</sup></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9222 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.84pt\"></span></span><span class=\"ps9494\">216\u00a0042<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps9224 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.95pt\"></span></span><span class=\"ps9276\">184\u00a0319<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9225 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Specialist Banking fee and commission expense<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9227 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.45pt\"></span></span><span class=\"ps11597\">(20\u00a0634)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps9229 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.42pt\"></span></span><span class=\"ps11598\">(12\u00a0857)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps220 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net fee and commission income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps9231 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.39pt\"></span></span><span class=\"ps10013\">206\u00a0845<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9233 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.69pt\"></span></span><span class=\"ps11599\">180\u00a0832<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9234 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fee and commission income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9238 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.35pt\"></span></span><span class=\"ps9221\">228\u00a0334<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps9240 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.96pt\"></span></span><span class=\"ps9223\">194\u00a0743<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9241 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fee and commission expense<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9243 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.84pt\"></span></span><span class=\"ps3977\">(21\u00a0489)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps9244 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.29pt\"></span></span><span class=\"ps9228\">(13\u00a0911)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9245 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net fee and commission income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps9247 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.39pt\"></span></span><span class=\"ps10013\">206\u00a0845<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps9249 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.69pt\"></span></span><span class=\"ps11599\">180\u00a0832<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps3337 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Annuity fees (net of fees payable)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9251 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.66pt\"></span></span><span class=\"ps11600\">54\u00a0754<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps9253 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.27pt\"></span></span><span class=\"ps11601\">35\u00a0953<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9254 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Deal fees<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11603 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.3pt\"></span></span><span class=\"ps11602\">152\u00a0091<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11604 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.09pt\"></span></span><span class=\"ps9539\">144\u00a0879<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps11605 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Wealth &amp; Investment businesses relates to Investec Bank (Switzerland) AG.</span></span></div><div class=\"ps11613 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">Included in Specialist Banking is fee and commission income of</span></span><span class=\"f charStyle-207fba8f ps7999\"> \u00a3</span><span class=\"f charStyle-207fba8f ps11606\">26.1</span><span class=\"f charStyle-207fba8f ps11607\"> million</span><span class=\"f charStyle-207fba8f ps11608\"> (<span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps11609\">31 March 2025</span><span class=\"f charStyle-207fba8f ps11610\">: \u00a3<span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps11611\">8.4</span><span class=\"f charStyle-207fba8f ps11612\"> million) for operating lease income, generated from aircraft leasing </span></div>structures, which are out of the scope of IFRS 15 \u2013 Revenue from Contracts with Customers.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFeeAndCommissionIncomeExpenseExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-898": {
   "value": "<div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">5</span><span class=\"f charStyle-f6a3ab10 ps11776\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11777\">Other operating income<span class=\"f ps2\"> </span></span></div><div class=\"ps72 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1650\"><div><div class=\"ps11114 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1650\"><div><div class=\"ps11114 ss114\"><span class=\"f charStyle-8d4b9b37 ps9195\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps817 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Insurance proceeds<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2816 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.62pt\"></span></span><span class=\"ps11778\">10\u00a0321<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps2817 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps824 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Losses recognised on property and equipment<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2818 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.94pt\"></span></span><span class=\"ps11779\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2819 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.66pt\"></span></span><span class=\"ps11780\">(41)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps830 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Unrealised (losses)/gains on other investments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2820 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.38pt\"></span></span><span class=\"ps11781\">775<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2821 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.44pt\"></span></span><span class=\"ps3232\">(911)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Income from operating leases<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2823 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.01pt\"></span></span><span class=\"ps9381\">1\u00a0924<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2825 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.12pt\"></span></span><span class=\"ps9673\">2\u00a0595<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps843 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Income from government grants*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2827 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.06pt\"></span></span><span class=\"ps11782\">7\u00a0757<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2829 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.24pt\"></span></span><span class=\"ps11783\">4\u00a0121<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2830 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.33pt\"></span></span><span class=\"ps11784\">20\u00a0778<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2831 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.76pt\"></span></span><span class=\"ps11785\">5\u00a0764<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps11786 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Government grants income includes Research and Development Expenditure Credits.</span></span></div><div class=\"ps11787 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">Insurance proceeds relate to a recovery in respect of a previously written off exposure on a policy that was not integral to the loan.</span></span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherOperatingIncomeExpenseExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-897": {
   "value": "<div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">5</span><span class=\"f charStyle-f6a3ab10 ps11776\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11777\">Other operating income<span class=\"f ps2\"> </span></span></div><div class=\"ps72 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1650\"><div><div class=\"ps11114 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1650\"><div><div class=\"ps11114 ss114\"><span class=\"f charStyle-8d4b9b37 ps9195\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps817 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Insurance proceeds<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2816 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.62pt\"></span></span><span class=\"ps11778\">10\u00a0321<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps2817 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps824 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Losses recognised on property and equipment<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2818 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.94pt\"></span></span><span class=\"ps11779\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2819 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.66pt\"></span></span><span class=\"ps11780\">(41)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps830 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Unrealised (losses)/gains on other investments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2820 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.38pt\"></span></span><span class=\"ps11781\">775<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2821 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.44pt\"></span></span><span class=\"ps3232\">(911)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Income from operating leases<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2823 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.01pt\"></span></span><span class=\"ps9381\">1\u00a0924<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2825 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.12pt\"></span></span><span class=\"ps9673\">2\u00a0595<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps843 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Income from government grants*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2827 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.06pt\"></span></span><span class=\"ps11782\">7\u00a0757<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2829 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.24pt\"></span></span><span class=\"ps11783\">4\u00a0121<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2830 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.33pt\"></span></span><span class=\"ps11784\">20\u00a0778<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2831 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.76pt\"></span></span><span class=\"ps11785\">5\u00a0764<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps11786 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Government grants income includes Research and Development Expenditure Credits.</span></span></div><div class=\"ps11787 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">Insurance proceeds relate to a recovery in respect of a previously written off exposure on a policy that was not integral to the loan.</span></span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGovernmentGrantsExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-896": {
   "value": "<div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">5</span><span class=\"f charStyle-f6a3ab10 ps11776\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11777\">Other operating income<span class=\"f ps2\"> </span></span></div><div class=\"ps72 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1650\"><div><div class=\"ps11114 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1650\"><div><div class=\"ps11114 ss114\"><span class=\"f charStyle-8d4b9b37 ps9195\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps817 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Insurance proceeds<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2816 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.62pt\"></span></span><span class=\"ps11778\">10\u00a0321<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps2817 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps824 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Losses recognised on property and equipment<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2818 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.94pt\"></span></span><span class=\"ps11779\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2819 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.66pt\"></span></span><span class=\"ps11780\">(41)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps830 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Unrealised (losses)/gains on other investments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2820 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.38pt\"></span></span><span class=\"ps11781\">775<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2821 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.44pt\"></span></span><span class=\"ps3232\">(911)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Income from operating leases<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2823 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.01pt\"></span></span><span class=\"ps9381\">1\u00a0924<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2825 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.12pt\"></span></span><span class=\"ps9673\">2\u00a0595<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps843 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Income from government grants*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2827 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.06pt\"></span></span><span class=\"ps11782\">7\u00a0757<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2829 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.24pt\"></span></span><span class=\"ps11783\">4\u00a0121<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2830 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.33pt\"></span></span><span class=\"ps11784\">20\u00a0778<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2831 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.76pt\"></span></span><span class=\"ps11785\">5\u00a0764<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps11786 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Government grants income includes Research and Development Expenditure Credits.</span></span></div><div class=\"ps11787 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">Insurance proceeds relate to a recovery in respect of a previously written off exposure on a policy that was not integral to the loan.</span></span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherOperatingIncomeExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-899": {
   "value": "<div class=\"ps11792 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">6<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11789\">.<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11790\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11791\">Expected credit loss impairment charges<span class=\"f ps2\"> </span></span></div><div class=\"ps11802 ss8\"><div class=\"ss218 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1650\"><div><div class=\"ps11114 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps814 ss1650\"><div><div class=\"ps11114 ss114\"><span class=\"f charStyle-8d4b9b37 ps9195\">2025<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps817 ss1651\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Expected credit losses have arisen on the following items:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9200 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9202 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.29pt\"></span></span><span class=\"ps9484\">96\u00a0583<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11794 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.03pt\"></span></span><span class=\"ps11793\">97\u00a0279<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9204 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9206 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.37pt\"></span></span><span class=\"ps11795\">12<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11796 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.71pt\"></span></span><span class=\"ps11427\">6<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4003 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other balance sheet assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9211 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.4pt\"></span></span><span class=\"ps11797\">309<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11139 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.67pt\"></span></span><span class=\"ps11798\">859<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4562 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Undrawn commitments and guarantees<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9215 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.55pt\"></span></span><span class=\"ps961\">458<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11149 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.62pt\"></span></span><span class=\"ps11799\">(1\u00a0104)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps9222 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.06pt\"></span></span><span class=\"ps11800\">97\u00a0362<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11159 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.27pt\"></span></span><span class=\"ps11801\">97\u00a0040<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps14690 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:12.99pt\">16<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11431\" style=\"width:5.86pt\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps14689\" style=\"width:163.01pt\">Loans and advances to banks<span class=\"f ps2\"> </span></span></div><div class=\"ps14702 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1650\"><div><div class=\"ps11114 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1650\"><div><div class=\"ps11114 ss114\"><span class=\"f charStyle-8d4b9b37 ps9195\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps817 ss1651\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Gross loans and advances to banks <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2816 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.18pt\"></span></span><span class=\"ps9489\">801\u00a0166<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps2817 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.07pt\"></span></span><span class=\"ps9422\">860\u00a0297<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9200 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Expected credit loss<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9202 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.55pt\"></span></span><span class=\"ps946\">(62)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps9203 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.38pt\"></span></span><span class=\"ps14691\">(30)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9204 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net loans and advances to banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps9206 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.39pt\"></span></span><span class=\"ps14692\">801\u00a0104<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9208 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.89pt\"></span></span><span class=\"ps10327\">860\u00a0267<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4003 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">The country risk of loans and advances to banks lies in the following geographies:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4562 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">North America<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9215 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.4pt\"></span></span><span class=\"ps14693\">101\u00a0736<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps11149 ss1856\" style=\"overflow:hidden\"><div><div class=\"ps14694 ss447\"><span class=\"f charStyle-9a9691b1 ps7\">9<span class=\"f ps2\"> </span></span></div><div class=\"ps14695 ss447\"><span class=\"f charStyle-9a9691b1 ps7\">5</span></div><div class=\"ps14696 ss447\"><span class=\"f charStyle-9a9691b1 ps7\">\u00a0<span class=\"f ps2\"> </span></span></div><div class=\"ps14697 ss447\"><span class=\"f charStyle-9a9691b1 ps7\">4<span class=\"f ps2\"> </span></span></div><div class=\"ps14698 ss447\"><span class=\"f charStyle-9a9691b1 ps7\">6<span class=\"f ps2\"> </span></span></div><div class=\"ps14699 ss447\"><span class=\"f charStyle-9a9691b1 ps7\">2<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9217 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.32pt\"></span></span><span class=\"ps13291\">95\u00a0462<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9218 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Asia<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9222 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.41pt\"></span></span><span class=\"ps9239\">10\u00a0492<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps9224 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27pt\"></span></span><span class=\"ps11950\">8\u00a0474<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9225 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Europe (excluding UK)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9227 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.71pt\"></span></span><span class=\"ps12041\">373\u00a0469<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps9229 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.43pt\"></span></span><span class=\"ps9689\">408\u00a0603<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps220 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">United Kingdom<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9231 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.9pt\"></span></span><span class=\"ps14700\">307\u00a0583<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps9233 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.8pt\"></span></span><span class=\"ps14290\">327\u00a0036<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9234 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9238 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.65pt\"></span></span><span class=\"ps9682\">355<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps9240 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.66pt\"></span></span><span class=\"ps1611\">473<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9241 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">South Africa<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9243 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.1pt\"></span></span><span class=\"ps11840\">2\u00a0016<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps9244 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.48pt\"></span></span><span class=\"ps10135\">2\u00a0671<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9245 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Australia<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9247 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.86pt\"></span></span><span class=\"ps14701\">5\u00a0453<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps9249 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.89pt\"></span></span><span class=\"ps12563\">17\u00a0548<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps9251 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.39pt\"></span></span><span class=\"ps14692\">801\u00a0104<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps9253 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.89pt\"></span></span><span class=\"ps10327\">860\u00a0267<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps14945 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:14.81pt\">24<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps14943\" style=\"width:5.86pt\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps14944\" style=\"width:356.34pt\">Loans and advances to customers and other loans and advances<span class=\"f ps2\"> </span></span></div><div class=\"ps14969 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps14732 ss651\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-8d4b9b37 ps14946\">2025^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss1651\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Gross loans and advances to customers at amortised cost<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps12462 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.18pt\"></span></span><span class=\"ps14947\">14\u00a0515\u00a0528<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps12463 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.81pt\"></span></span><span class=\"ps14948\">14\u00a0390\u00a0276<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps824 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-9458d4de ps7\">Gross loans and advances to customers at FVOCI<span class=\"f ps2\"> </span></span><span class=\"f charStyle-70e7a25b ps14949\"><span class=\"f ps2\"> </span><sup>^</sup></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps2818 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.42pt\"></span></span><span class=\"ps11196\">2\u00a0686\u00a0156<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps2819 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.87pt\"></span></span><span class=\"ps10534\">2\u00a0027\u00a0975<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps830 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Gross loans and advances to customers subject to expected credit losses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2820 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.69pt\"></span></span><span class=\"ps14950\">17\u00a0201\u00a0684<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps2821 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.81pt\"></span></span><span class=\"ps14948\">16\u00a0418\u00a0251<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-9458d4de ps7\">Expected credit losses on loans and advances to customers at amortised cost and FVOCI<span class=\"f ps2\"> </span></span><span class=\"f charStyle-70e7a25b ps14951\"><sup>^</sup></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps2823 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.29pt\"></span></span><span class=\"ps10290\">(207\u00a0030)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps2825 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.73pt\"></span></span><span class=\"ps14952\">(176\u00a0458)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps843 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-13225c7c ps7\">Net loans and advances to customers at amortised cost and FVOCI<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2827 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:4.89pt\"></span></span><span class=\"ps14953\">16\u00a0994\u00a0654<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps2829 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.91pt\"></span></span><span class=\"ps14954\">16\u00a0241\u00a0793<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps849 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Loans and advances to customers at fair value through profit and loss<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2830 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.17pt\"></span></span><span class=\"ps9309\">808\u00a0999<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2831 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.5pt\"></span></span><span class=\"ps14955\">571\u00a0929<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps853 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps11957 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.45pt\"></span></span><span class=\"ps14956\">17\u00a0803\u00a0653<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11894 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.05pt\"></span></span><span class=\"ps14957\">16\u00a0813\u00a0723<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3328 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Gross other loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14959 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.98pt\"></span></span><span class=\"ps14958\">114\u00a0462<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14960 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.08pt\"></span></span><span class=\"ps9472\">139\u00a0221<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1026 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Expected credit losses on other loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14962 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.43pt\"></span></span><span class=\"ps14961\">(24)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14964 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.12pt\"></span></span><span class=\"ps14963\">(9)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps1027 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net other loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14966 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.69pt\"></span></span><span class=\"ps14965\">114\u00a0438<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14968 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.41pt\"></span></span><span class=\"ps14967\">139\u00a0212<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps14970 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">Gross and ECL figures have been re-presented to include interest in suspense of \u00a311.6 million and ECL held against financial assets held at FVOCI of \u00a322.6 million, </span></span></div><div class=\"ps14971 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">previously disclosed separately. </span></div><div class=\"ps14980 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">For further analysis on loans and advances for the Group, refer to <span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps14973\">pages</span><span class=\"f charStyle-2bfb2495 ps14974\"> </span><span class=\"f charStyle-4cea0f20 ps14975\"><a class=\"Hyperlink\" href=\"#iccba24ea0cd14a1fbe74568356c33a8e_424\" style=\"z-index:1\">167</a><span class=\"f ps2\"> </span></span><span class=\"f charStyle-f835ea38 ps14976\"> </span><span class=\"f charStyle-2bfb2495 ps14977\">to <span class=\"f ps2\"> </span></span><span class=\"f charStyle-4cea0f20 ps14978\"><a class=\"Hyperlink\" href=\"#i91b264f798f74674a4826bdb70aa144f_1666\" style=\"z-index:1\">173</a><span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps14979\"> in the notes to risk and capital <span class=\"f ps2\"> </span></span></div>management.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAllowanceForCreditLossesExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-905": {
   "value": "<div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_241\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">7<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11804\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11805\">Operating costs<span class=\"f ps2\"> </span></span></div><div class=\"ps72 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps9195\">2025</span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:5.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps213 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Staff compensation costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11807 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.85pt\"></span></span><span class=\"ps11806\">414\u00a0958<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11808 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.84pt\"></span></span><span class=\"ps9494\">423\u00a0152<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9200 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Salaries and wages (including directors\u2019 remuneration)**<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9202 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.95pt\"></span></span><span class=\"ps11809\">328\u00a0687<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps9203 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.44pt\"></span></span><span class=\"ps11810\">335\u00a0046<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps734 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Share-based payment expense<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11812 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.56pt\"></span></span><span class=\"ps11811\">21\u00a0299<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11813 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.26pt\"></span></span><span class=\"ps9999\">23\u00a0733<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps4561 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Social security costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11814 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.27pt\"></span></span><span class=\"ps11601\">43\u00a0407<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11815 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.41pt\"></span></span><span class=\"ps9239\">43\u00a0615<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps843 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Pensions and provident fund contributions<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps2827 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.78pt\"></span></span><span class=\"ps11816\">21\u00a0565<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps2829 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.75pt\"></span></span><span class=\"ps11817\">20\u00a0758<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps4676 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Training and other costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11819 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.64pt\"></span></span><span class=\"ps11818\">11\u00a0046<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11821 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.08pt\"></span></span><span class=\"ps11820\">10\u00a0017<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps3472 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Staff costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9676 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.46pt\"></span></span><span class=\"ps11822\">426\u00a0004<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps8590 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.59pt\"></span></span><span class=\"ps11823\">433\u00a0169<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps4656 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Premises expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11824 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.41pt\"></span></span><span class=\"ps8328\">29\u00a0502<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11825 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.75pt\"></span></span><span class=\"ps11817\">27\u00a0805<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps1355 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Premises expenses (excluding depreciation and impairments)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11826 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.91pt\"></span></span><span class=\"ps9679\">12\u00a0972<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11828 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.14pt\"></span></span><span class=\"ps11827\">12\u00a0179<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps4288 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Premises depreciation and impairments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11830 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.5pt\"></span></span><span class=\"ps11829\">16\u00a0530<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11832 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.67pt\"></span></span><span class=\"ps11831\">15\u00a0626<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps2517 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Equipment expenses (excluding depreciation)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9467 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.26pt\"></span></span><span class=\"ps9999\">58\u00a0063<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps2521 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">48\u00a0887<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps4586 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Business expenses*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11835 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.04pt\"></span></span><span class=\"ps11834\">108\u00a0437<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11837 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.93pt\"></span></span><span class=\"ps11836\">102\u00a0953<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps11737 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Marketing expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11838 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.97pt\"></span></span><span class=\"ps11372\">13\u00a0170<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11839 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.64pt\"></span></span><span class=\"ps11818\">12\u00a0831<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps2380 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Depreciation, amortisation and impairment on equipment, software and intangibles^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11841 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.1pt\"></span></span><span class=\"ps11840\">2\u00a0601<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11842 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.24pt\"></span></span><span class=\"ps9304\">6\u00a0165<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11352 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.35pt\"></span></span><span class=\"ps9221\">637\u00a0777<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11353 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.74pt\"></span></span><span class=\"ps11843\">631\u00a0810<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps11844 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Business expenses mainly comprise insurance costs, consulting and professional fees, travel expenses and subscriptions. </span></span></div><div class=\"ps11845 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">Included within depreciation charge for the year is \u00a3nil (31 March 2025: \u00a34 million) of depreciation expense relating to other assets.</span></span></div><div class=\"ps11848 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">**<span style=\"display:inline-block;height:5.81pt;width:8.17pt\"></span></span><span class=\"ps968\">Details of the directors\u2019 emoluments, pensions and their interests are disclosed in the Investec remuneration report </span></span><span class=\"f charStyle-207fba8f ps11846\">2026<span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps11847\">.</span></div><div class=\"ps11851 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Segmental breakdown of operating costs<span class=\"f ps2\"> </span></span></div><div class=\"ps11908 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:202.5pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps11852 ss1620\"><div><div class=\"ps809 ss1514\"><span class=\"f charStyle-a26246ce ps11101\">Specialist Banking<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11853 ss1620\"><div><div class=\"ps809 ss1514\"><span class=\"f charStyle-a26246ce ps838\">Private Client<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"3\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11854 ss1621\"><div><div class=\"ps8329 ss296\"><span class=\"f charStyle-8d4b9b37 ps11104\">Corporate, <span class=\"f ps2\"> </span></span></div><div class=\"ps8331 ss296\"><span class=\"f charStyle-8d4b9b37 ps11105\">Investment <span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss296\"><span class=\"f charStyle-8d4b9b37 ps8554\">Banking and <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss296\"><span class=\"f charStyle-8d4b9b37 ps953\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"3\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11855 ss1667\"><div><div class=\"ps8325 ss114\"><span class=\"f charStyle-8d4b9b37 ps11282\">Group<span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss114\"><span class=\"f charStyle-8d4b9b37 ps4227\"> Costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps817 ss1668\"><div><div class=\"ps809 ss1078\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31\u00a0March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11856 ss1623\"><div><div class=\"ps11112 ss296\"><span class=\"f charStyle-8d4b9b37 ps2197\">Wealth &amp;<span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss296\"><span class=\"f charStyle-8d4b9b37 ps11113\"> Investment<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11857 ss1623\"><div><div class=\"ps11114 ss296\"><span class=\"f charStyle-8d4b9b37 ps11116\">Private Banking<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2817 ss1623\"><div><div class=\"ps11112 ss296\"><span class=\"f charStyle-a26246ce ps11118\">Total<span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss296\"><span class=\"f charStyle-a26246ce ps11119\"> Group<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps824 ss1668\"><div><div class=\"ps809 ss1078\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps830 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Staff costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11859 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.59pt\"></span></span><span class=\"ps11858\">9\u00a0715<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11861 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.63pt\"></span></span><span class=\"ps11860\">13\u00a0881<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11863 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.81pt\"></span></span><span class=\"ps11862\">386\u00a0531<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11865 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.36pt\"></span></span><span class=\"ps11864\">15\u00a0877<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2821 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.46pt\"></span></span><span class=\"ps9601\">426\u00a0004<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Premises expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11866 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.09pt\"></span></span><span class=\"ps3234\">1\u00a0280<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11868 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.45pt\"></span></span><span class=\"ps11867\">1\u00a0375<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11870 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.44pt\"></span></span><span class=\"ps11869\">26\u00a0596<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11872 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.91pt\"></span></span><span class=\"ps11871\">251<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2825 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.41pt\"></span></span><span class=\"ps11873\">29\u00a0502<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps843 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Equipment expenses (excluding depreciation)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11875 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.1pt\"></span></span><span class=\"ps11874\">3\u00a0114<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11876 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.21pt\"></span></span><span class=\"ps880\">6\u00a0105<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11878 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.3pt\"></span></span><span class=\"ps11877\">48\u00a0258<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11879 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.67pt\"></span></span><span class=\"ps11798\">586<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2829 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.26pt\"></span></span><span class=\"ps11880\">58\u00a0063<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps849 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Business expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9994 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.86pt\"></span></span><span class=\"ps11881\">4\u00a0831<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11883 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.16pt\"></span></span><span class=\"ps11882\">20\u00a0263<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11884 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.28pt\"></span></span><span class=\"ps11268\">68\u00a0280<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11885 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.5pt\"></span></span><span class=\"ps11829\">15\u00a0063<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2831 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.04pt\"></span></span><span class=\"ps11886\">108\u00a0437<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps853 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Marketing expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11888 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.13pt\"></span></span><span class=\"ps11887\">89<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11890 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.13pt\"></span></span><span class=\"ps11889\">2\u00a0621<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11891 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.96pt\"></span></span><span class=\"ps10225\">10\u00a0507<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11893 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.78pt\"></span></span><span class=\"ps11892\">(47)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11894 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.97pt\"></span></span><span class=\"ps9952\">13\u00a0170<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps858 ss1669\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-9458d4de ps7\">Depreciation, amortisation and impairment on </span></div><div class=\"ps469 ss1078\"><span class=\"f charStyle-9458d4de ps681\">equipment, software and intangibles</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11896 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.11pt\"></span></span><span class=\"ps11895\">35<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11897 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11898 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.01pt\"></span></span><span class=\"ps8351\">2\u00a0566<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11899 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11900 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.1pt\"></span></span><span class=\"ps10033\">2\u00a0601<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11902 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.27pt\"></span></span><span class=\"ps11901\">19\u00a0064<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11903 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.29pt\"></span></span><span class=\"ps9228\">44\u00a0245<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11904 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.1pt\"></span></span><span class=\"ps110\">542\u00a0738<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11906 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.91pt\"></span></span><span class=\"ps11905\">31\u00a0730<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11907 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.35pt\"></span></span><span class=\"ps11138\">637\u00a0777<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps11944 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:202.5pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps11852 ss1620\"><div><div class=\"ps809 ss1514\"><span class=\"f charStyle-a26246ce ps11101\">Specialist Banking<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11853 ss1620\"><div><div class=\"ps809 ss1514\"><span class=\"f charStyle-a26246ce ps838\">Private Client<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"3\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11854 ss1621\"><div><div class=\"ps8329 ss296\"><span class=\"f charStyle-8d4b9b37 ps11104\">Corporate, <span class=\"f ps2\"> </span></span></div><div class=\"ps8331 ss296\"><span class=\"f charStyle-8d4b9b37 ps11105\">Investment <span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss296\"><span class=\"f charStyle-8d4b9b37 ps8554\">Banking and <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss296\"><span class=\"f charStyle-8d4b9b37 ps953\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"3\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11855 ss1667\"><div><div class=\"ps8325 ss114\"><span class=\"f charStyle-8d4b9b37 ps11282\">Group<span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss114\"><span class=\"f charStyle-8d4b9b37 ps4227\"> Costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps817 ss1668\"><div><div class=\"ps809 ss1078\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31\u00a0March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11856 ss1623\"><div><div class=\"ps11112 ss296\"><span class=\"f charStyle-8d4b9b37 ps2197\">Wealth &amp;<span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss296\"><span class=\"f charStyle-8d4b9b37 ps11113\"> Investment<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11857 ss1623\"><div><div class=\"ps11114 ss296\"><span class=\"f charStyle-8d4b9b37 ps11116\">Private Banking<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2817 ss1623\"><div><div class=\"ps11112 ss296\"><span class=\"f charStyle-a26246ce ps11118\">Total<span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss296\"><span class=\"f charStyle-a26246ce ps11119\"> Group<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps824 ss1668\"><div><div class=\"ps809 ss1078\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps830 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Staff costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11859 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.09pt\"></span></span><span class=\"ps3234\">8\u00a0019<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11861 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.1pt\"></span></span><span class=\"ps11840\">17\u00a0180<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11863 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.7pt\"></span></span><span class=\"ps11909\">393\u00a0565<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11865 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.4pt\"></span></span><span class=\"ps11910\">14\u00a0405<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2821 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.59pt\"></span></span><span class=\"ps11911\">433\u00a0169<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Premises expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11866 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.03pt\"></span></span><span class=\"ps11912\">579<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11868 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.34pt\"></span></span><span class=\"ps11913\">1\u00a0397<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11870 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.55pt\"></span></span><span class=\"ps11914\">25\u00a0214<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11872 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.91pt\"></span></span><span class=\"ps11871\">615<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2825 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.75pt\"></span></span><span class=\"ps11915\">27\u00a0805<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps843 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Equipment expenses (excluding depreciation)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11875 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.86pt\"></span></span><span class=\"ps11916\">3\u00a0258<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11876 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.89pt\"></span></span><span class=\"ps1616\">6\u00a0645<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11878 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.12pt\"></span></span><span class=\"ps11917\">38\u00a0600<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11879 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.3pt\"></span></span><span class=\"ps5100\">384<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2829 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.53pt\"></span></span><span class=\"ps11563\">48\u00a0887<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"padding:0\"><div class=\"ps849 ss1670\"><div><div class=\"ps9695 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Business expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9994 ss388\"><div><div class=\"ps9695 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.73pt\"></span></span><span class=\"ps11918\">3\u00a0365<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11883 ss388\"><div><div class=\"ps9695 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.36pt\"></span></span><span class=\"ps10360\">20\u00a0031<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11884 ss388\"><div><div class=\"ps9695 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.66pt\"></span></span><span class=\"ps11919\">61\u00a0865<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11885 ss1578\"><div><div class=\"ps9695 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.91pt\"></span></span><span class=\"ps9679\">17\u00a0692<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2831 ss388\"><div><div class=\"ps9695 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.93pt\"></span></span><span class=\"ps11920\">102\u00a0953<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4677 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Marketing expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11922 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.49pt\"></span></span><span class=\"ps11921\">76<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11924 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.22pt\"></span></span><span class=\"ps11923\">2\u00a0607<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11926 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.25pt\"></span></span><span class=\"ps11925\">9\u00a0722<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11928 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.45pt\"></span></span><span class=\"ps11927\">426<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11930 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.64pt\"></span></span><span class=\"ps11929\">12\u00a0831<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps11931 ss1669\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-9458d4de ps7\">Depreciation, amortisation and impairment on </span></div><div class=\"ps469 ss1078\"><span class=\"f charStyle-9458d4de ps681\">equipment, software and intangibles</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11932 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.14pt\"></span></span><span class=\"ps11422\">69<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11933 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11934 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.87pt\"></span></span><span class=\"ps11256\">6\u00a0096<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11935 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11936 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.24pt\"></span></span><span class=\"ps433\">6\u00a0165<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11938 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.74pt\"></span></span><span class=\"ps11937\">15\u00a0366<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11939 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.48pt\"></span></span><span class=\"ps11677\">47\u00a0860<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11941 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.65pt\"></span></span><span class=\"ps11940\">535\u00a0062<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11942 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.93pt\"></span></span><span class=\"ps9424\">33\u00a0522<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11943 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.74pt\"></span></span><span class=\"ps10265\">631\u00a0810<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEmployeeBenefitsExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-904": {
   "value": "<div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_241\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">7<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11804\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11805\">Operating costs<span class=\"f ps2\"> </span></span></div><div class=\"ps72 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps9195\">2025</span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:5.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps213 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Staff compensation costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11807 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.85pt\"></span></span><span class=\"ps11806\">414\u00a0958<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11808 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.84pt\"></span></span><span class=\"ps9494\">423\u00a0152<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9200 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Salaries and wages (including directors\u2019 remuneration)**<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9202 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.95pt\"></span></span><span class=\"ps11809\">328\u00a0687<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps9203 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.44pt\"></span></span><span class=\"ps11810\">335\u00a0046<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps734 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Share-based payment expense<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11812 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.56pt\"></span></span><span class=\"ps11811\">21\u00a0299<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11813 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.26pt\"></span></span><span class=\"ps9999\">23\u00a0733<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps4561 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Social security costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11814 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.27pt\"></span></span><span class=\"ps11601\">43\u00a0407<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11815 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.41pt\"></span></span><span class=\"ps9239\">43\u00a0615<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps843 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Pensions and provident fund contributions<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps2827 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.78pt\"></span></span><span class=\"ps11816\">21\u00a0565<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps2829 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.75pt\"></span></span><span class=\"ps11817\">20\u00a0758<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps4676 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Training and other costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11819 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.64pt\"></span></span><span class=\"ps11818\">11\u00a0046<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11821 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.08pt\"></span></span><span class=\"ps11820\">10\u00a0017<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps3472 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Staff costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9676 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.46pt\"></span></span><span class=\"ps11822\">426\u00a0004<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps8590 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.59pt\"></span></span><span class=\"ps11823\">433\u00a0169<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps4656 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Premises expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11824 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.41pt\"></span></span><span class=\"ps8328\">29\u00a0502<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11825 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.75pt\"></span></span><span class=\"ps11817\">27\u00a0805<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps1355 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Premises expenses (excluding depreciation and impairments)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11826 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.91pt\"></span></span><span class=\"ps9679\">12\u00a0972<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11828 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.14pt\"></span></span><span class=\"ps11827\">12\u00a0179<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps4288 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Premises depreciation and impairments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11830 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.5pt\"></span></span><span class=\"ps11829\">16\u00a0530<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11832 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.67pt\"></span></span><span class=\"ps11831\">15\u00a0626<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps2517 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Equipment expenses (excluding depreciation)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9467 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.26pt\"></span></span><span class=\"ps9999\">58\u00a0063<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps2521 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">48\u00a0887<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps4586 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Business expenses*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11835 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.04pt\"></span></span><span class=\"ps11834\">108\u00a0437<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11837 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.93pt\"></span></span><span class=\"ps11836\">102\u00a0953<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps11737 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Marketing expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11838 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.97pt\"></span></span><span class=\"ps11372\">13\u00a0170<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11839 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.64pt\"></span></span><span class=\"ps11818\">12\u00a0831<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps2380 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Depreciation, amortisation and impairment on equipment, software and intangibles^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11841 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.1pt\"></span></span><span class=\"ps11840\">2\u00a0601<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11842 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.24pt\"></span></span><span class=\"ps9304\">6\u00a0165<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11352 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.35pt\"></span></span><span class=\"ps9221\">637\u00a0777<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11353 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.74pt\"></span></span><span class=\"ps11843\">631\u00a0810<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps11844 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Business expenses mainly comprise insurance costs, consulting and professional fees, travel expenses and subscriptions. </span></span></div><div class=\"ps11845 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">Included within depreciation charge for the year is \u00a3nil (31 March 2025: \u00a34 million) of depreciation expense relating to other assets.</span></span></div><div class=\"ps11848 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">**<span style=\"display:inline-block;height:5.81pt;width:8.17pt\"></span></span><span class=\"ps968\">Details of the directors\u2019 emoluments, pensions and their interests are disclosed in the Investec remuneration report </span></span><span class=\"f charStyle-207fba8f ps11846\">2026<span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps11847\">.</span></div><div class=\"ps11851 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Segmental breakdown of operating costs<span class=\"f ps2\"> </span></span></div><div class=\"ps11908 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:202.5pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps11852 ss1620\"><div><div class=\"ps809 ss1514\"><span class=\"f charStyle-a26246ce ps11101\">Specialist Banking<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11853 ss1620\"><div><div class=\"ps809 ss1514\"><span class=\"f charStyle-a26246ce ps838\">Private Client<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"3\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11854 ss1621\"><div><div class=\"ps8329 ss296\"><span class=\"f charStyle-8d4b9b37 ps11104\">Corporate, <span class=\"f ps2\"> </span></span></div><div class=\"ps8331 ss296\"><span class=\"f charStyle-8d4b9b37 ps11105\">Investment <span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss296\"><span class=\"f charStyle-8d4b9b37 ps8554\">Banking and <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss296\"><span class=\"f charStyle-8d4b9b37 ps953\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"3\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11855 ss1667\"><div><div class=\"ps8325 ss114\"><span class=\"f charStyle-8d4b9b37 ps11282\">Group<span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss114\"><span class=\"f charStyle-8d4b9b37 ps4227\"> Costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps817 ss1668\"><div><div class=\"ps809 ss1078\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31\u00a0March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11856 ss1623\"><div><div class=\"ps11112 ss296\"><span class=\"f charStyle-8d4b9b37 ps2197\">Wealth &amp;<span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss296\"><span class=\"f charStyle-8d4b9b37 ps11113\"> Investment<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11857 ss1623\"><div><div class=\"ps11114 ss296\"><span class=\"f charStyle-8d4b9b37 ps11116\">Private Banking<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2817 ss1623\"><div><div class=\"ps11112 ss296\"><span class=\"f charStyle-a26246ce ps11118\">Total<span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss296\"><span class=\"f charStyle-a26246ce ps11119\"> Group<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps824 ss1668\"><div><div class=\"ps809 ss1078\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps830 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Staff costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11859 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.59pt\"></span></span><span class=\"ps11858\">9\u00a0715<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11861 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.63pt\"></span></span><span class=\"ps11860\">13\u00a0881<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11863 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.81pt\"></span></span><span class=\"ps11862\">386\u00a0531<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11865 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.36pt\"></span></span><span class=\"ps11864\">15\u00a0877<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2821 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.46pt\"></span></span><span class=\"ps9601\">426\u00a0004<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Premises expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11866 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.09pt\"></span></span><span class=\"ps3234\">1\u00a0280<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11868 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.45pt\"></span></span><span class=\"ps11867\">1\u00a0375<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11870 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.44pt\"></span></span><span class=\"ps11869\">26\u00a0596<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11872 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.91pt\"></span></span><span class=\"ps11871\">251<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2825 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.41pt\"></span></span><span class=\"ps11873\">29\u00a0502<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps843 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Equipment expenses (excluding depreciation)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11875 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.1pt\"></span></span><span class=\"ps11874\">3\u00a0114<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11876 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.21pt\"></span></span><span class=\"ps880\">6\u00a0105<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11878 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.3pt\"></span></span><span class=\"ps11877\">48\u00a0258<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11879 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.67pt\"></span></span><span class=\"ps11798\">586<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2829 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.26pt\"></span></span><span class=\"ps11880\">58\u00a0063<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps849 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Business expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9994 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.86pt\"></span></span><span class=\"ps11881\">4\u00a0831<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11883 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.16pt\"></span></span><span class=\"ps11882\">20\u00a0263<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11884 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.28pt\"></span></span><span class=\"ps11268\">68\u00a0280<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11885 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.5pt\"></span></span><span class=\"ps11829\">15\u00a0063<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2831 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.04pt\"></span></span><span class=\"ps11886\">108\u00a0437<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps853 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Marketing expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11888 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.13pt\"></span></span><span class=\"ps11887\">89<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11890 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.13pt\"></span></span><span class=\"ps11889\">2\u00a0621<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11891 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.96pt\"></span></span><span class=\"ps10225\">10\u00a0507<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11893 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.78pt\"></span></span><span class=\"ps11892\">(47)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11894 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.97pt\"></span></span><span class=\"ps9952\">13\u00a0170<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps858 ss1669\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-9458d4de ps7\">Depreciation, amortisation and impairment on </span></div><div class=\"ps469 ss1078\"><span class=\"f charStyle-9458d4de ps681\">equipment, software and intangibles</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11896 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.11pt\"></span></span><span class=\"ps11895\">35<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11897 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11898 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.01pt\"></span></span><span class=\"ps8351\">2\u00a0566<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11899 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11900 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.1pt\"></span></span><span class=\"ps10033\">2\u00a0601<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11902 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.27pt\"></span></span><span class=\"ps11901\">19\u00a0064<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11903 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.29pt\"></span></span><span class=\"ps9228\">44\u00a0245<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11904 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.1pt\"></span></span><span class=\"ps110\">542\u00a0738<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11906 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.91pt\"></span></span><span class=\"ps11905\">31\u00a0730<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11907 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.35pt\"></span></span><span class=\"ps11138\">637\u00a0777<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps11944 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:202.5pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps11852 ss1620\"><div><div class=\"ps809 ss1514\"><span class=\"f charStyle-a26246ce ps11101\">Specialist Banking<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11853 ss1620\"><div><div class=\"ps809 ss1514\"><span class=\"f charStyle-a26246ce ps838\">Private Client<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"3\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11854 ss1621\"><div><div class=\"ps8329 ss296\"><span class=\"f charStyle-8d4b9b37 ps11104\">Corporate, <span class=\"f ps2\"> </span></span></div><div class=\"ps8331 ss296\"><span class=\"f charStyle-8d4b9b37 ps11105\">Investment <span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss296\"><span class=\"f charStyle-8d4b9b37 ps8554\">Banking and <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss296\"><span class=\"f charStyle-8d4b9b37 ps953\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"3\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11855 ss1667\"><div><div class=\"ps8325 ss114\"><span class=\"f charStyle-8d4b9b37 ps11282\">Group<span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss114\"><span class=\"f charStyle-8d4b9b37 ps4227\"> Costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps817 ss1668\"><div><div class=\"ps809 ss1078\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31\u00a0March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11856 ss1623\"><div><div class=\"ps11112 ss296\"><span class=\"f charStyle-8d4b9b37 ps2197\">Wealth &amp;<span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss296\"><span class=\"f charStyle-8d4b9b37 ps11113\"> Investment<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11857 ss1623\"><div><div class=\"ps11114 ss296\"><span class=\"f charStyle-8d4b9b37 ps11116\">Private Banking<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2817 ss1623\"><div><div class=\"ps11112 ss296\"><span class=\"f charStyle-a26246ce ps11118\">Total<span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss296\"><span class=\"f charStyle-a26246ce ps11119\"> Group<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps824 ss1668\"><div><div class=\"ps809 ss1078\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps830 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Staff costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11859 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.09pt\"></span></span><span class=\"ps3234\">8\u00a0019<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11861 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.1pt\"></span></span><span class=\"ps11840\">17\u00a0180<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11863 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.7pt\"></span></span><span class=\"ps11909\">393\u00a0565<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11865 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.4pt\"></span></span><span class=\"ps11910\">14\u00a0405<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2821 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.59pt\"></span></span><span class=\"ps11911\">433\u00a0169<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Premises expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11866 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.03pt\"></span></span><span class=\"ps11912\">579<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11868 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.34pt\"></span></span><span class=\"ps11913\">1\u00a0397<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11870 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.55pt\"></span></span><span class=\"ps11914\">25\u00a0214<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11872 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.91pt\"></span></span><span class=\"ps11871\">615<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2825 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.75pt\"></span></span><span class=\"ps11915\">27\u00a0805<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps843 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Equipment expenses (excluding depreciation)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11875 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.86pt\"></span></span><span class=\"ps11916\">3\u00a0258<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11876 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.89pt\"></span></span><span class=\"ps1616\">6\u00a0645<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11878 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.12pt\"></span></span><span class=\"ps11917\">38\u00a0600<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11879 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.3pt\"></span></span><span class=\"ps5100\">384<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2829 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.53pt\"></span></span><span class=\"ps11563\">48\u00a0887<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"padding:0\"><div class=\"ps849 ss1670\"><div><div class=\"ps9695 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Business expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9994 ss388\"><div><div class=\"ps9695 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.73pt\"></span></span><span class=\"ps11918\">3\u00a0365<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11883 ss388\"><div><div class=\"ps9695 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.36pt\"></span></span><span class=\"ps10360\">20\u00a0031<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11884 ss388\"><div><div class=\"ps9695 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.66pt\"></span></span><span class=\"ps11919\">61\u00a0865<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11885 ss1578\"><div><div class=\"ps9695 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.91pt\"></span></span><span class=\"ps9679\">17\u00a0692<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2831 ss388\"><div><div class=\"ps9695 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.93pt\"></span></span><span class=\"ps11920\">102\u00a0953<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4677 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Marketing expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11922 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.49pt\"></span></span><span class=\"ps11921\">76<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11924 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.22pt\"></span></span><span class=\"ps11923\">2\u00a0607<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11926 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.25pt\"></span></span><span class=\"ps11925\">9\u00a0722<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11928 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.45pt\"></span></span><span class=\"ps11927\">426<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11930 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.64pt\"></span></span><span class=\"ps11929\">12\u00a0831<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps11931 ss1669\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-9458d4de ps7\">Depreciation, amortisation and impairment on </span></div><div class=\"ps469 ss1078\"><span class=\"f charStyle-9458d4de ps681\">equipment, software and intangibles</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11932 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.14pt\"></span></span><span class=\"ps11422\">69<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11933 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11934 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.87pt\"></span></span><span class=\"ps11256\">6\u00a0096<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11935 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11936 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.24pt\"></span></span><span class=\"ps433\">6\u00a0165<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11938 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.74pt\"></span></span><span class=\"ps11937\">15\u00a0366<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11939 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.48pt\"></span></span><span class=\"ps11677\">47\u00a0860<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11941 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.65pt\"></span></span><span class=\"ps11940\">535\u00a0062<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11942 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.93pt\"></span></span><span class=\"ps9424\">33\u00a0522<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11943 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.74pt\"></span></span><span class=\"ps10265\">631\u00a0810<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepreciationAndAmortisationExpenseExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-903": {
   "value": "<div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_241\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">7<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11804\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11805\">Operating costs<span class=\"f ps2\"> </span></span></div><div class=\"ps72 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps9195\">2025</span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:5.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps213 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Staff compensation costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11807 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.85pt\"></span></span><span class=\"ps11806\">414\u00a0958<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11808 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.84pt\"></span></span><span class=\"ps9494\">423\u00a0152<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9200 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Salaries and wages (including directors\u2019 remuneration)**<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9202 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.95pt\"></span></span><span class=\"ps11809\">328\u00a0687<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps9203 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.44pt\"></span></span><span class=\"ps11810\">335\u00a0046<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps734 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Share-based payment expense<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11812 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.56pt\"></span></span><span class=\"ps11811\">21\u00a0299<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11813 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.26pt\"></span></span><span class=\"ps9999\">23\u00a0733<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps4561 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Social security costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11814 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.27pt\"></span></span><span class=\"ps11601\">43\u00a0407<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11815 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.41pt\"></span></span><span class=\"ps9239\">43\u00a0615<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps843 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Pensions and provident fund contributions<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps2827 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.78pt\"></span></span><span class=\"ps11816\">21\u00a0565<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps2829 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.75pt\"></span></span><span class=\"ps11817\">20\u00a0758<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps4676 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Training and other costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11819 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.64pt\"></span></span><span class=\"ps11818\">11\u00a0046<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11821 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.08pt\"></span></span><span class=\"ps11820\">10\u00a0017<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps3472 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Staff costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9676 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.46pt\"></span></span><span class=\"ps11822\">426\u00a0004<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps8590 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.59pt\"></span></span><span class=\"ps11823\">433\u00a0169<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps4656 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Premises expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11824 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.41pt\"></span></span><span class=\"ps8328\">29\u00a0502<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11825 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.75pt\"></span></span><span class=\"ps11817\">27\u00a0805<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps1355 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Premises expenses (excluding depreciation and impairments)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11826 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.91pt\"></span></span><span class=\"ps9679\">12\u00a0972<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11828 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.14pt\"></span></span><span class=\"ps11827\">12\u00a0179<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps4288 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Premises depreciation and impairments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11830 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.5pt\"></span></span><span class=\"ps11829\">16\u00a0530<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11832 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.67pt\"></span></span><span class=\"ps11831\">15\u00a0626<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps2517 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Equipment expenses (excluding depreciation)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9467 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.26pt\"></span></span><span class=\"ps9999\">58\u00a0063<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps2521 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">48\u00a0887<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps4586 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Business expenses*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11835 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.04pt\"></span></span><span class=\"ps11834\">108\u00a0437<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11837 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.93pt\"></span></span><span class=\"ps11836\">102\u00a0953<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps11737 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Marketing expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11838 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.97pt\"></span></span><span class=\"ps11372\">13\u00a0170<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11839 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.64pt\"></span></span><span class=\"ps11818\">12\u00a0831<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps2380 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Depreciation, amortisation and impairment on equipment, software and intangibles^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11841 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.1pt\"></span></span><span class=\"ps11840\">2\u00a0601<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11842 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.24pt\"></span></span><span class=\"ps9304\">6\u00a0165<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11352 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.35pt\"></span></span><span class=\"ps9221\">637\u00a0777<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11353 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.74pt\"></span></span><span class=\"ps11843\">631\u00a0810<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps11844 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Business expenses mainly comprise insurance costs, consulting and professional fees, travel expenses and subscriptions. </span></span></div><div class=\"ps11845 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">Included within depreciation charge for the year is \u00a3nil (31 March 2025: \u00a34 million) of depreciation expense relating to other assets.</span></span></div><div class=\"ps11848 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">**<span style=\"display:inline-block;height:5.81pt;width:8.17pt\"></span></span><span class=\"ps968\">Details of the directors\u2019 emoluments, pensions and their interests are disclosed in the Investec remuneration report </span></span><span class=\"f charStyle-207fba8f ps11846\">2026<span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps11847\">.</span></div><div class=\"ps11851 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Segmental breakdown of operating costs<span class=\"f ps2\"> </span></span></div><div class=\"ps11908 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:202.5pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps11852 ss1620\"><div><div class=\"ps809 ss1514\"><span class=\"f charStyle-a26246ce ps11101\">Specialist Banking<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11853 ss1620\"><div><div class=\"ps809 ss1514\"><span class=\"f charStyle-a26246ce ps838\">Private Client<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"3\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11854 ss1621\"><div><div class=\"ps8329 ss296\"><span class=\"f charStyle-8d4b9b37 ps11104\">Corporate, <span class=\"f ps2\"> </span></span></div><div class=\"ps8331 ss296\"><span class=\"f charStyle-8d4b9b37 ps11105\">Investment <span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss296\"><span class=\"f charStyle-8d4b9b37 ps8554\">Banking and <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss296\"><span class=\"f charStyle-8d4b9b37 ps953\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"3\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11855 ss1667\"><div><div class=\"ps8325 ss114\"><span class=\"f charStyle-8d4b9b37 ps11282\">Group<span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss114\"><span class=\"f charStyle-8d4b9b37 ps4227\"> Costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps817 ss1668\"><div><div class=\"ps809 ss1078\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31\u00a0March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11856 ss1623\"><div><div class=\"ps11112 ss296\"><span class=\"f charStyle-8d4b9b37 ps2197\">Wealth &amp;<span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss296\"><span class=\"f charStyle-8d4b9b37 ps11113\"> Investment<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11857 ss1623\"><div><div class=\"ps11114 ss296\"><span class=\"f charStyle-8d4b9b37 ps11116\">Private Banking<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2817 ss1623\"><div><div class=\"ps11112 ss296\"><span class=\"f charStyle-a26246ce ps11118\">Total<span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss296\"><span class=\"f charStyle-a26246ce ps11119\"> Group<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps824 ss1668\"><div><div class=\"ps809 ss1078\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps830 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Staff costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11859 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.59pt\"></span></span><span class=\"ps11858\">9\u00a0715<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11861 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.63pt\"></span></span><span class=\"ps11860\">13\u00a0881<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11863 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.81pt\"></span></span><span class=\"ps11862\">386\u00a0531<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11865 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.36pt\"></span></span><span class=\"ps11864\">15\u00a0877<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2821 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.46pt\"></span></span><span class=\"ps9601\">426\u00a0004<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Premises expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11866 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.09pt\"></span></span><span class=\"ps3234\">1\u00a0280<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11868 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.45pt\"></span></span><span class=\"ps11867\">1\u00a0375<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11870 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.44pt\"></span></span><span class=\"ps11869\">26\u00a0596<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11872 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.91pt\"></span></span><span class=\"ps11871\">251<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2825 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.41pt\"></span></span><span class=\"ps11873\">29\u00a0502<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps843 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Equipment expenses (excluding depreciation)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11875 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.1pt\"></span></span><span class=\"ps11874\">3\u00a0114<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11876 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.21pt\"></span></span><span class=\"ps880\">6\u00a0105<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11878 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.3pt\"></span></span><span class=\"ps11877\">48\u00a0258<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11879 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.67pt\"></span></span><span class=\"ps11798\">586<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2829 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.26pt\"></span></span><span class=\"ps11880\">58\u00a0063<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps849 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Business expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9994 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.86pt\"></span></span><span class=\"ps11881\">4\u00a0831<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11883 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.16pt\"></span></span><span class=\"ps11882\">20\u00a0263<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11884 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.28pt\"></span></span><span class=\"ps11268\">68\u00a0280<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11885 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.5pt\"></span></span><span class=\"ps11829\">15\u00a0063<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2831 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.04pt\"></span></span><span class=\"ps11886\">108\u00a0437<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps853 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Marketing expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11888 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.13pt\"></span></span><span class=\"ps11887\">89<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11890 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.13pt\"></span></span><span class=\"ps11889\">2\u00a0621<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11891 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.96pt\"></span></span><span class=\"ps10225\">10\u00a0507<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11893 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.78pt\"></span></span><span class=\"ps11892\">(47)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11894 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.97pt\"></span></span><span class=\"ps9952\">13\u00a0170<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps858 ss1669\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-9458d4de ps7\">Depreciation, amortisation and impairment on </span></div><div class=\"ps469 ss1078\"><span class=\"f charStyle-9458d4de ps681\">equipment, software and intangibles</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11896 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.11pt\"></span></span><span class=\"ps11895\">35<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11897 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11898 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.01pt\"></span></span><span class=\"ps8351\">2\u00a0566<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11899 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11900 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.1pt\"></span></span><span class=\"ps10033\">2\u00a0601<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11902 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.27pt\"></span></span><span class=\"ps11901\">19\u00a0064<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11903 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.29pt\"></span></span><span class=\"ps9228\">44\u00a0245<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11904 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.1pt\"></span></span><span class=\"ps110\">542\u00a0738<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11906 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.91pt\"></span></span><span class=\"ps11905\">31\u00a0730<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11907 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.35pt\"></span></span><span class=\"ps11138\">637\u00a0777<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps11944 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:202.5pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps11852 ss1620\"><div><div class=\"ps809 ss1514\"><span class=\"f charStyle-a26246ce ps11101\">Specialist Banking<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11853 ss1620\"><div><div class=\"ps809 ss1514\"><span class=\"f charStyle-a26246ce ps838\">Private Client<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"3\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11854 ss1621\"><div><div class=\"ps8329 ss296\"><span class=\"f charStyle-8d4b9b37 ps11104\">Corporate, <span class=\"f ps2\"> </span></span></div><div class=\"ps8331 ss296\"><span class=\"f charStyle-8d4b9b37 ps11105\">Investment <span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss296\"><span class=\"f charStyle-8d4b9b37 ps8554\">Banking and <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss296\"><span class=\"f charStyle-8d4b9b37 ps953\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"3\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11855 ss1667\"><div><div class=\"ps8325 ss114\"><span class=\"f charStyle-8d4b9b37 ps11282\">Group<span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss114\"><span class=\"f charStyle-8d4b9b37 ps4227\"> Costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps817 ss1668\"><div><div class=\"ps809 ss1078\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31\u00a0March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11856 ss1623\"><div><div class=\"ps11112 ss296\"><span class=\"f charStyle-8d4b9b37 ps2197\">Wealth &amp;<span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss296\"><span class=\"f charStyle-8d4b9b37 ps11113\"> Investment<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11857 ss1623\"><div><div class=\"ps11114 ss296\"><span class=\"f charStyle-8d4b9b37 ps11116\">Private Banking<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2817 ss1623\"><div><div class=\"ps11112 ss296\"><span class=\"f charStyle-a26246ce ps11118\">Total<span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss296\"><span class=\"f charStyle-a26246ce ps11119\"> Group<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps824 ss1668\"><div><div class=\"ps809 ss1078\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps830 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Staff costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11859 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.09pt\"></span></span><span class=\"ps3234\">8\u00a0019<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11861 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.1pt\"></span></span><span class=\"ps11840\">17\u00a0180<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11863 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.7pt\"></span></span><span class=\"ps11909\">393\u00a0565<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11865 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.4pt\"></span></span><span class=\"ps11910\">14\u00a0405<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2821 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.59pt\"></span></span><span class=\"ps11911\">433\u00a0169<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Premises expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11866 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.03pt\"></span></span><span class=\"ps11912\">579<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11868 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.34pt\"></span></span><span class=\"ps11913\">1\u00a0397<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11870 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.55pt\"></span></span><span class=\"ps11914\">25\u00a0214<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11872 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.91pt\"></span></span><span class=\"ps11871\">615<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2825 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.75pt\"></span></span><span class=\"ps11915\">27\u00a0805<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps843 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Equipment expenses (excluding depreciation)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11875 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.86pt\"></span></span><span class=\"ps11916\">3\u00a0258<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11876 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.89pt\"></span></span><span class=\"ps1616\">6\u00a0645<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11878 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.12pt\"></span></span><span class=\"ps11917\">38\u00a0600<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11879 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.3pt\"></span></span><span class=\"ps5100\">384<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2829 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.53pt\"></span></span><span class=\"ps11563\">48\u00a0887<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"padding:0\"><div class=\"ps849 ss1670\"><div><div class=\"ps9695 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Business expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9994 ss388\"><div><div class=\"ps9695 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.73pt\"></span></span><span class=\"ps11918\">3\u00a0365<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11883 ss388\"><div><div class=\"ps9695 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.36pt\"></span></span><span class=\"ps10360\">20\u00a0031<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11884 ss388\"><div><div class=\"ps9695 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.66pt\"></span></span><span class=\"ps11919\">61\u00a0865<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11885 ss1578\"><div><div class=\"ps9695 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.91pt\"></span></span><span class=\"ps9679\">17\u00a0692<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2831 ss388\"><div><div class=\"ps9695 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.93pt\"></span></span><span class=\"ps11920\">102\u00a0953<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4677 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Marketing expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11922 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.49pt\"></span></span><span class=\"ps11921\">76<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11924 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.22pt\"></span></span><span class=\"ps11923\">2\u00a0607<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11926 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.25pt\"></span></span><span class=\"ps11925\">9\u00a0722<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11928 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.45pt\"></span></span><span class=\"ps11927\">426<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11930 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.64pt\"></span></span><span class=\"ps11929\">12\u00a0831<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps11931 ss1669\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-9458d4de ps7\">Depreciation, amortisation and impairment on </span></div><div class=\"ps469 ss1078\"><span class=\"f charStyle-9458d4de ps681\">equipment, software and intangibles</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11932 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.14pt\"></span></span><span class=\"ps11422\">69<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11933 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11934 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.87pt\"></span></span><span class=\"ps11256\">6\u00a0096<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11935 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11936 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.24pt\"></span></span><span class=\"ps433\">6\u00a0165<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11938 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.74pt\"></span></span><span class=\"ps11937\">15\u00a0366<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11939 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.48pt\"></span></span><span class=\"ps11677\">47\u00a0860<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11941 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.65pt\"></span></span><span class=\"ps11940\">535\u00a0062<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11942 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.93pt\"></span></span><span class=\"ps9424\">33\u00a0522<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11943 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.74pt\"></span></span><span class=\"ps10265\">631\u00a0810<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">7</span><span class=\"f charStyle-f6a3ab10 ps11804\">. </span><span class=\"f charStyle-f6a3ab10 ps11805\">Operating costs</span><span class=\"f charStyle-f6a3ab10 ps11946\"> (continued)<span class=\"f ps2\"> </span></span></div><div class=\"ps979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The amounts below represent the costs incurred or to be incurred by the Group in respect of the audit of the financial statements </span></div><div class=\"ps980 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and for other audit related services for the respective financial years.</span></div><div class=\"ps11967 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps9656\">2026</span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps9195\">2025</span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps3664 ss1651\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-13225c7c ps7\">Deloitte fees</span><span class=\"f charStyle-19493eb4 ps11948\"><span class=\"f ps2\"> </span><sup>^</sup></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps824 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total audit fees<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps2818 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.56pt\"></span></span><span class=\"ps11130\">6\u00a0188<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps2819 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.01pt\"></span></span><span class=\"ps11949\">5\u00a0756<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps830 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Audit of the Group\u2019s accounts<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2820 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.65pt\"></span></span><span class=\"ps9682\">520<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps2821 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.44pt\"></span></span><span class=\"ps3232\">482<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps837 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Audit of the Group\u2019s subsidiaries<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps2823 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27pt\"></span></span><span class=\"ps11950\">5\u00a0668<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps2825 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.24pt\"></span></span><span class=\"ps9267\">5\u00a0274<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps843 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total non-audit fees<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2827 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.04pt\"></span></span><span class=\"ps11951\">1\u00a0547<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2829 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26pt\"></span></span><span class=\"ps11952\">2\u00a0697<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps849 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-9458d4de ps7\">Audit-related assurance services</span><span class=\"f charStyle-70e7a25b ps11953\"><span class=\"f ps2\"> </span><sup>1</sup></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2830 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.33pt\"></span></span><span class=\"ps11954\">1\u00a0109<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps2831 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.1pt\"></span></span><span class=\"ps11840\">1\u00a0066<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps853 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-9458d4de ps7\">Other assurance services</span><span class=\"f charStyle-70e7a25b ps11955\"><span class=\"f ps2\"> </span><sup>2</sup></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11957 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.25pt\"></span></span><span class=\"ps11956\">65<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11894 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.56pt\"></span></span><span class=\"ps11958\">564<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps858 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-9458d4de ps7\">Services related to corporate finance transactions</span><span class=\"f charStyle-70e7a25b ps11959\"><span class=\"f ps2\"> </span><sup>3</sup></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11961 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38pt\"></span></span><span class=\"ps11960\">63<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11900 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.11pt\"></span></span><span class=\"ps850\">60<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps863 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other non-audit services<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11963 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.63pt\"></span></span><span class=\"ps11962\">310<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11964 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.42pt\"></span></span><span class=\"ps9607\">1\u00a0007<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps368 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total auditor\u2019s remuneration<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11965 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.39pt\"></span></span><span class=\"ps10321\">7\u00a0735<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11966 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.28pt\"></span></span><span class=\"ps11268\">8\u00a0453<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps11968 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">1.<span style=\"display:inline-block;height:5.81pt;width:9.9pt\"></span></span><span class=\"ps968\">Audit-related assurance fees consist of reviews of interim financial information and reporting accountant services.</span></span></div><div class=\"ps11969 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">2.<span style=\"display:inline-block;height:5.81pt;width:8.91pt\"></span></span><span class=\"ps968\">Other assurance services relate to services required by law or regulation (including reporting on regulatory returns, agreed-upon-procedures relating to statutory and </span></span></div><div class=\"ps11970 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">regulatory filings and reporting to regulators on client assets).</span></div><div class=\"ps11971 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">3.<span style=\"display:inline-block;height:5.81pt;width:8.8pt\"></span></span><span class=\"ps968\">Corporate finance transaction services relate to comfort letters on debt issuances.</span></span></div><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">In addition, audit fees of </span></span><span class=\"f charStyle-207fba8f ps11972\">\u00a31.7<span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps11973\"> million (</span><span class=\"f charStyle-207fba8f ps11974\">2025</span>: \u00a31.6 million) are borne by the Company and relate to the Investec DLC Group.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherOperatingExpenseExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-902": {
   "value": "<div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_241\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">7<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11804\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11805\">Operating costs<span class=\"f ps2\"> </span></span></div><div class=\"ps72 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps9195\">2025</span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:5.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps213 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Staff compensation costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11807 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.85pt\"></span></span><span class=\"ps11806\">414\u00a0958<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11808 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.84pt\"></span></span><span class=\"ps9494\">423\u00a0152<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9200 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Salaries and wages (including directors\u2019 remuneration)**<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9202 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.95pt\"></span></span><span class=\"ps11809\">328\u00a0687<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps9203 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.44pt\"></span></span><span class=\"ps11810\">335\u00a0046<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps734 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Share-based payment expense<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11812 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.56pt\"></span></span><span class=\"ps11811\">21\u00a0299<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11813 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.26pt\"></span></span><span class=\"ps9999\">23\u00a0733<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps4561 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Social security costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11814 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.27pt\"></span></span><span class=\"ps11601\">43\u00a0407<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11815 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.41pt\"></span></span><span class=\"ps9239\">43\u00a0615<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps843 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Pensions and provident fund contributions<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps2827 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.78pt\"></span></span><span class=\"ps11816\">21\u00a0565<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps2829 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.75pt\"></span></span><span class=\"ps11817\">20\u00a0758<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps4676 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Training and other costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11819 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.64pt\"></span></span><span class=\"ps11818\">11\u00a0046<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11821 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.08pt\"></span></span><span class=\"ps11820\">10\u00a0017<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps3472 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Staff costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9676 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.46pt\"></span></span><span class=\"ps11822\">426\u00a0004<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps8590 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.59pt\"></span></span><span class=\"ps11823\">433\u00a0169<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps4656 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Premises expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11824 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.41pt\"></span></span><span class=\"ps8328\">29\u00a0502<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11825 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.75pt\"></span></span><span class=\"ps11817\">27\u00a0805<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps1355 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Premises expenses (excluding depreciation and impairments)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11826 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.91pt\"></span></span><span class=\"ps9679\">12\u00a0972<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11828 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.14pt\"></span></span><span class=\"ps11827\">12\u00a0179<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps4288 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Premises depreciation and impairments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11830 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.5pt\"></span></span><span class=\"ps11829\">16\u00a0530<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11832 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.67pt\"></span></span><span class=\"ps11831\">15\u00a0626<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps2517 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Equipment expenses (excluding depreciation)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9467 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.26pt\"></span></span><span class=\"ps9999\">58\u00a0063<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps2521 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">48\u00a0887<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps4586 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Business expenses*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11835 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.04pt\"></span></span><span class=\"ps11834\">108\u00a0437<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11837 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.93pt\"></span></span><span class=\"ps11836\">102\u00a0953<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps11737 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Marketing expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11838 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.97pt\"></span></span><span class=\"ps11372\">13\u00a0170<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11839 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.64pt\"></span></span><span class=\"ps11818\">12\u00a0831<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps2380 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Depreciation, amortisation and impairment on equipment, software and intangibles^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11841 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.1pt\"></span></span><span class=\"ps11840\">2\u00a0601<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11842 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.24pt\"></span></span><span class=\"ps9304\">6\u00a0165<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11352 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.35pt\"></span></span><span class=\"ps9221\">637\u00a0777<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11353 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.74pt\"></span></span><span class=\"ps11843\">631\u00a0810<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps11844 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Business expenses mainly comprise insurance costs, consulting and professional fees, travel expenses and subscriptions. </span></span></div><div class=\"ps11845 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">Included within depreciation charge for the year is \u00a3nil (31 March 2025: \u00a34 million) of depreciation expense relating to other assets.</span></span></div><div class=\"ps11848 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">**<span style=\"display:inline-block;height:5.81pt;width:8.17pt\"></span></span><span class=\"ps968\">Details of the directors\u2019 emoluments, pensions and their interests are disclosed in the Investec remuneration report </span></span><span class=\"f charStyle-207fba8f ps11846\">2026<span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps11847\">.</span></div><div class=\"ps11851 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Segmental breakdown of operating costs<span class=\"f ps2\"> </span></span></div><div class=\"ps11908 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:202.5pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps11852 ss1620\"><div><div class=\"ps809 ss1514\"><span class=\"f charStyle-a26246ce ps11101\">Specialist Banking<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11853 ss1620\"><div><div class=\"ps809 ss1514\"><span class=\"f charStyle-a26246ce ps838\">Private Client<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"3\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11854 ss1621\"><div><div class=\"ps8329 ss296\"><span class=\"f charStyle-8d4b9b37 ps11104\">Corporate, <span class=\"f ps2\"> </span></span></div><div class=\"ps8331 ss296\"><span class=\"f charStyle-8d4b9b37 ps11105\">Investment <span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss296\"><span class=\"f charStyle-8d4b9b37 ps8554\">Banking and <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss296\"><span class=\"f charStyle-8d4b9b37 ps953\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"3\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11855 ss1667\"><div><div class=\"ps8325 ss114\"><span class=\"f charStyle-8d4b9b37 ps11282\">Group<span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss114\"><span class=\"f charStyle-8d4b9b37 ps4227\"> Costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps817 ss1668\"><div><div class=\"ps809 ss1078\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31\u00a0March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11856 ss1623\"><div><div class=\"ps11112 ss296\"><span class=\"f charStyle-8d4b9b37 ps2197\">Wealth &amp;<span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss296\"><span class=\"f charStyle-8d4b9b37 ps11113\"> Investment<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11857 ss1623\"><div><div class=\"ps11114 ss296\"><span class=\"f charStyle-8d4b9b37 ps11116\">Private Banking<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2817 ss1623\"><div><div class=\"ps11112 ss296\"><span class=\"f charStyle-a26246ce ps11118\">Total<span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss296\"><span class=\"f charStyle-a26246ce ps11119\"> Group<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps824 ss1668\"><div><div class=\"ps809 ss1078\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps830 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Staff costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11859 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.59pt\"></span></span><span class=\"ps11858\">9\u00a0715<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11861 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.63pt\"></span></span><span class=\"ps11860\">13\u00a0881<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11863 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.81pt\"></span></span><span class=\"ps11862\">386\u00a0531<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11865 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.36pt\"></span></span><span class=\"ps11864\">15\u00a0877<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2821 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.46pt\"></span></span><span class=\"ps9601\">426\u00a0004<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Premises expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11866 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.09pt\"></span></span><span class=\"ps3234\">1\u00a0280<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11868 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.45pt\"></span></span><span class=\"ps11867\">1\u00a0375<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11870 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.44pt\"></span></span><span class=\"ps11869\">26\u00a0596<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11872 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.91pt\"></span></span><span class=\"ps11871\">251<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2825 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.41pt\"></span></span><span class=\"ps11873\">29\u00a0502<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps843 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Equipment expenses (excluding depreciation)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11875 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.1pt\"></span></span><span class=\"ps11874\">3\u00a0114<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11876 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.21pt\"></span></span><span class=\"ps880\">6\u00a0105<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11878 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.3pt\"></span></span><span class=\"ps11877\">48\u00a0258<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11879 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.67pt\"></span></span><span class=\"ps11798\">586<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2829 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.26pt\"></span></span><span class=\"ps11880\">58\u00a0063<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps849 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Business expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9994 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.86pt\"></span></span><span class=\"ps11881\">4\u00a0831<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11883 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.16pt\"></span></span><span class=\"ps11882\">20\u00a0263<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11884 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.28pt\"></span></span><span class=\"ps11268\">68\u00a0280<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11885 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.5pt\"></span></span><span class=\"ps11829\">15\u00a0063<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2831 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.04pt\"></span></span><span class=\"ps11886\">108\u00a0437<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps853 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Marketing expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11888 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.13pt\"></span></span><span class=\"ps11887\">89<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11890 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.13pt\"></span></span><span class=\"ps11889\">2\u00a0621<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11891 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.96pt\"></span></span><span class=\"ps10225\">10\u00a0507<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11893 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.78pt\"></span></span><span class=\"ps11892\">(47)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11894 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.97pt\"></span></span><span class=\"ps9952\">13\u00a0170<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps858 ss1669\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-9458d4de ps7\">Depreciation, amortisation and impairment on </span></div><div class=\"ps469 ss1078\"><span class=\"f charStyle-9458d4de ps681\">equipment, software and intangibles</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11896 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.11pt\"></span></span><span class=\"ps11895\">35<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11897 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11898 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.01pt\"></span></span><span class=\"ps8351\">2\u00a0566<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11899 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11900 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.1pt\"></span></span><span class=\"ps10033\">2\u00a0601<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11902 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.27pt\"></span></span><span class=\"ps11901\">19\u00a0064<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11903 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.29pt\"></span></span><span class=\"ps9228\">44\u00a0245<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11904 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.1pt\"></span></span><span class=\"ps110\">542\u00a0738<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11906 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.91pt\"></span></span><span class=\"ps11905\">31\u00a0730<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11907 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.35pt\"></span></span><span class=\"ps11138\">637\u00a0777<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps11944 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:202.5pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps11852 ss1620\"><div><div class=\"ps809 ss1514\"><span class=\"f charStyle-a26246ce ps11101\">Specialist Banking<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11853 ss1620\"><div><div class=\"ps809 ss1514\"><span class=\"f charStyle-a26246ce ps838\">Private Client<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"3\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11854 ss1621\"><div><div class=\"ps8329 ss296\"><span class=\"f charStyle-8d4b9b37 ps11104\">Corporate, <span class=\"f ps2\"> </span></span></div><div class=\"ps8331 ss296\"><span class=\"f charStyle-8d4b9b37 ps11105\">Investment <span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss296\"><span class=\"f charStyle-8d4b9b37 ps8554\">Banking and <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss296\"><span class=\"f charStyle-8d4b9b37 ps953\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"3\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11855 ss1667\"><div><div class=\"ps8325 ss114\"><span class=\"f charStyle-8d4b9b37 ps11282\">Group<span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss114\"><span class=\"f charStyle-8d4b9b37 ps4227\"> Costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps817 ss1668\"><div><div class=\"ps809 ss1078\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31\u00a0March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11856 ss1623\"><div><div class=\"ps11112 ss296\"><span class=\"f charStyle-8d4b9b37 ps2197\">Wealth &amp;<span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss296\"><span class=\"f charStyle-8d4b9b37 ps11113\"> Investment<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11857 ss1623\"><div><div class=\"ps11114 ss296\"><span class=\"f charStyle-8d4b9b37 ps11116\">Private Banking<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2817 ss1623\"><div><div class=\"ps11112 ss296\"><span class=\"f charStyle-a26246ce ps11118\">Total<span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss296\"><span class=\"f charStyle-a26246ce ps11119\"> Group<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps824 ss1668\"><div><div class=\"ps809 ss1078\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps830 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Staff costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11859 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.09pt\"></span></span><span class=\"ps3234\">8\u00a0019<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11861 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.1pt\"></span></span><span class=\"ps11840\">17\u00a0180<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11863 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.7pt\"></span></span><span class=\"ps11909\">393\u00a0565<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11865 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.4pt\"></span></span><span class=\"ps11910\">14\u00a0405<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2821 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.59pt\"></span></span><span class=\"ps11911\">433\u00a0169<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Premises expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11866 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.03pt\"></span></span><span class=\"ps11912\">579<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11868 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.34pt\"></span></span><span class=\"ps11913\">1\u00a0397<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11870 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.55pt\"></span></span><span class=\"ps11914\">25\u00a0214<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11872 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.91pt\"></span></span><span class=\"ps11871\">615<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2825 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.75pt\"></span></span><span class=\"ps11915\">27\u00a0805<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps843 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Equipment expenses (excluding depreciation)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11875 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.86pt\"></span></span><span class=\"ps11916\">3\u00a0258<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11876 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.89pt\"></span></span><span class=\"ps1616\">6\u00a0645<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11878 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.12pt\"></span></span><span class=\"ps11917\">38\u00a0600<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11879 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.3pt\"></span></span><span class=\"ps5100\">384<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2829 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.53pt\"></span></span><span class=\"ps11563\">48\u00a0887<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"padding:0\"><div class=\"ps849 ss1670\"><div><div class=\"ps9695 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Business expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9994 ss388\"><div><div class=\"ps9695 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.73pt\"></span></span><span class=\"ps11918\">3\u00a0365<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11883 ss388\"><div><div class=\"ps9695 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.36pt\"></span></span><span class=\"ps10360\">20\u00a0031<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11884 ss388\"><div><div class=\"ps9695 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.66pt\"></span></span><span class=\"ps11919\">61\u00a0865<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11885 ss1578\"><div><div class=\"ps9695 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.91pt\"></span></span><span class=\"ps9679\">17\u00a0692<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2831 ss388\"><div><div class=\"ps9695 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.93pt\"></span></span><span class=\"ps11920\">102\u00a0953<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4677 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Marketing expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11922 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.49pt\"></span></span><span class=\"ps11921\">76<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11924 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.22pt\"></span></span><span class=\"ps11923\">2\u00a0607<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11926 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.25pt\"></span></span><span class=\"ps11925\">9\u00a0722<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11928 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.45pt\"></span></span><span class=\"ps11927\">426<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11930 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.64pt\"></span></span><span class=\"ps11929\">12\u00a0831<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps11931 ss1669\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-9458d4de ps7\">Depreciation, amortisation and impairment on </span></div><div class=\"ps469 ss1078\"><span class=\"f charStyle-9458d4de ps681\">equipment, software and intangibles</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11932 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.14pt\"></span></span><span class=\"ps11422\">69<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11933 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11934 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.87pt\"></span></span><span class=\"ps11256\">6\u00a0096<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11935 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11936 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.24pt\"></span></span><span class=\"ps433\">6\u00a0165<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11938 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.74pt\"></span></span><span class=\"ps11937\">15\u00a0366<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11939 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.48pt\"></span></span><span class=\"ps11677\">47\u00a0860<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11941 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.65pt\"></span></span><span class=\"ps11940\">535\u00a0062<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11942 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.93pt\"></span></span><span class=\"ps9424\">33\u00a0522<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11943 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.74pt\"></span></span><span class=\"ps10265\">631\u00a0810<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">7</span><span class=\"f charStyle-f6a3ab10 ps11804\">. </span><span class=\"f charStyle-f6a3ab10 ps11805\">Operating costs</span><span class=\"f charStyle-f6a3ab10 ps11946\"> (continued)<span class=\"f ps2\"> </span></span></div><div class=\"ps979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The amounts below represent the costs incurred or to be incurred by the Group in respect of the audit of the financial statements </span></div><div class=\"ps980 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and for other audit related services for the respective financial years.</span></div><div class=\"ps11967 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps9656\">2026</span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps9195\">2025</span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps3664 ss1651\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-13225c7c ps7\">Deloitte fees</span><span class=\"f charStyle-19493eb4 ps11948\"><span class=\"f ps2\"> </span><sup>^</sup></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps824 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total audit fees<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps2818 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.56pt\"></span></span><span class=\"ps11130\">6\u00a0188<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps2819 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.01pt\"></span></span><span class=\"ps11949\">5\u00a0756<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps830 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Audit of the Group\u2019s accounts<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2820 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.65pt\"></span></span><span class=\"ps9682\">520<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps2821 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.44pt\"></span></span><span class=\"ps3232\">482<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps837 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Audit of the Group\u2019s subsidiaries<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps2823 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27pt\"></span></span><span class=\"ps11950\">5\u00a0668<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps2825 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.24pt\"></span></span><span class=\"ps9267\">5\u00a0274<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps843 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total non-audit fees<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2827 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.04pt\"></span></span><span class=\"ps11951\">1\u00a0547<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2829 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26pt\"></span></span><span class=\"ps11952\">2\u00a0697<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps849 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-9458d4de ps7\">Audit-related assurance services</span><span class=\"f charStyle-70e7a25b ps11953\"><span class=\"f ps2\"> </span><sup>1</sup></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2830 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.33pt\"></span></span><span class=\"ps11954\">1\u00a0109<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps2831 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.1pt\"></span></span><span class=\"ps11840\">1\u00a0066<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps853 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-9458d4de ps7\">Other assurance services</span><span class=\"f charStyle-70e7a25b ps11955\"><span class=\"f ps2\"> </span><sup>2</sup></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11957 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.25pt\"></span></span><span class=\"ps11956\">65<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11894 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.56pt\"></span></span><span class=\"ps11958\">564<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps858 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-9458d4de ps7\">Services related to corporate finance transactions</span><span class=\"f charStyle-70e7a25b ps11959\"><span class=\"f ps2\"> </span><sup>3</sup></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11961 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38pt\"></span></span><span class=\"ps11960\">63<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11900 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.11pt\"></span></span><span class=\"ps850\">60<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps863 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other non-audit services<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11963 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.63pt\"></span></span><span class=\"ps11962\">310<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11964 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.42pt\"></span></span><span class=\"ps9607\">1\u00a0007<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps368 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total auditor\u2019s remuneration<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11965 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.39pt\"></span></span><span class=\"ps10321\">7\u00a0735<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11966 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.28pt\"></span></span><span class=\"ps11268\">8\u00a0453<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps11968 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">1.<span style=\"display:inline-block;height:5.81pt;width:9.9pt\"></span></span><span class=\"ps968\">Audit-related assurance fees consist of reviews of interim financial information and reporting accountant services.</span></span></div><div class=\"ps11969 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">2.<span style=\"display:inline-block;height:5.81pt;width:8.91pt\"></span></span><span class=\"ps968\">Other assurance services relate to services required by law or regulation (including reporting on regulatory returns, agreed-upon-procedures relating to statutory and </span></span></div><div class=\"ps11970 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">regulatory filings and reporting to regulators on client assets).</span></div><div class=\"ps11971 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">3.<span style=\"display:inline-block;height:5.81pt;width:8.8pt\"></span></span><span class=\"ps968\">Corporate finance transaction services relate to comfort letters on debt issuances.</span></span></div><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">In addition, audit fees of </span></span><span class=\"f charStyle-207fba8f ps11972\">\u00a31.7<span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps11973\"> million (</span><span class=\"f charStyle-207fba8f ps11974\">2025</span>: \u00a31.6 million) are borne by the Company and relate to the Investec DLC Group.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGeneralAndAdministrativeExpenseExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-901": {
   "value": "<div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_241\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">7<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11804\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11805\">Operating costs<span class=\"f ps2\"> </span></span></div><div class=\"ps72 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps9195\">2025</span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:5.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps213 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Staff compensation costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11807 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.85pt\"></span></span><span class=\"ps11806\">414\u00a0958<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11808 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.84pt\"></span></span><span class=\"ps9494\">423\u00a0152<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9200 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Salaries and wages (including directors\u2019 remuneration)**<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9202 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.95pt\"></span></span><span class=\"ps11809\">328\u00a0687<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps9203 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.44pt\"></span></span><span class=\"ps11810\">335\u00a0046<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps734 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Share-based payment expense<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11812 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.56pt\"></span></span><span class=\"ps11811\">21\u00a0299<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11813 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.26pt\"></span></span><span class=\"ps9999\">23\u00a0733<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps4561 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Social security costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11814 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.27pt\"></span></span><span class=\"ps11601\">43\u00a0407<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11815 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.41pt\"></span></span><span class=\"ps9239\">43\u00a0615<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps843 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Pensions and provident fund contributions<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps2827 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.78pt\"></span></span><span class=\"ps11816\">21\u00a0565<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps2829 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.75pt\"></span></span><span class=\"ps11817\">20\u00a0758<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps4676 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Training and other costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11819 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.64pt\"></span></span><span class=\"ps11818\">11\u00a0046<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11821 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.08pt\"></span></span><span class=\"ps11820\">10\u00a0017<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps3472 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Staff costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9676 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.46pt\"></span></span><span class=\"ps11822\">426\u00a0004<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps8590 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.59pt\"></span></span><span class=\"ps11823\">433\u00a0169<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps4656 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Premises expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11824 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.41pt\"></span></span><span class=\"ps8328\">29\u00a0502<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11825 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.75pt\"></span></span><span class=\"ps11817\">27\u00a0805<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps1355 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Premises expenses (excluding depreciation and impairments)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11826 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.91pt\"></span></span><span class=\"ps9679\">12\u00a0972<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11828 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.14pt\"></span></span><span class=\"ps11827\">12\u00a0179<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps4288 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Premises depreciation and impairments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11830 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.5pt\"></span></span><span class=\"ps11829\">16\u00a0530<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11832 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.67pt\"></span></span><span class=\"ps11831\">15\u00a0626<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps2517 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Equipment expenses (excluding depreciation)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9467 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.26pt\"></span></span><span class=\"ps9999\">58\u00a0063<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps2521 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">48\u00a0887<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps4586 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Business expenses*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11835 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.04pt\"></span></span><span class=\"ps11834\">108\u00a0437<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11837 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.93pt\"></span></span><span class=\"ps11836\">102\u00a0953<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps11737 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Marketing expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11838 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.97pt\"></span></span><span class=\"ps11372\">13\u00a0170<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11839 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.64pt\"></span></span><span class=\"ps11818\">12\u00a0831<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps2380 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Depreciation, amortisation and impairment on equipment, software and intangibles^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11841 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.1pt\"></span></span><span class=\"ps11840\">2\u00a0601<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11842 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.24pt\"></span></span><span class=\"ps9304\">6\u00a0165<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11352 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.35pt\"></span></span><span class=\"ps9221\">637\u00a0777<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11353 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.74pt\"></span></span><span class=\"ps11843\">631\u00a0810<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps11844 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Business expenses mainly comprise insurance costs, consulting and professional fees, travel expenses and subscriptions. </span></span></div><div class=\"ps11845 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">Included within depreciation charge for the year is \u00a3nil (31 March 2025: \u00a34 million) of depreciation expense relating to other assets.</span></span></div><div class=\"ps11848 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">**<span style=\"display:inline-block;height:5.81pt;width:8.17pt\"></span></span><span class=\"ps968\">Details of the directors\u2019 emoluments, pensions and their interests are disclosed in the Investec remuneration report </span></span><span class=\"f charStyle-207fba8f ps11846\">2026<span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps11847\">.</span></div><div class=\"ps11851 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Segmental breakdown of operating costs<span class=\"f ps2\"> </span></span></div><div class=\"ps11908 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:202.5pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps11852 ss1620\"><div><div class=\"ps809 ss1514\"><span class=\"f charStyle-a26246ce ps11101\">Specialist Banking<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11853 ss1620\"><div><div class=\"ps809 ss1514\"><span class=\"f charStyle-a26246ce ps838\">Private Client<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"3\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11854 ss1621\"><div><div class=\"ps8329 ss296\"><span class=\"f charStyle-8d4b9b37 ps11104\">Corporate, <span class=\"f ps2\"> </span></span></div><div class=\"ps8331 ss296\"><span class=\"f charStyle-8d4b9b37 ps11105\">Investment <span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss296\"><span class=\"f charStyle-8d4b9b37 ps8554\">Banking and <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss296\"><span class=\"f charStyle-8d4b9b37 ps953\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"3\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11855 ss1667\"><div><div class=\"ps8325 ss114\"><span class=\"f charStyle-8d4b9b37 ps11282\">Group<span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss114\"><span class=\"f charStyle-8d4b9b37 ps4227\"> Costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps817 ss1668\"><div><div class=\"ps809 ss1078\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31\u00a0March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11856 ss1623\"><div><div class=\"ps11112 ss296\"><span class=\"f charStyle-8d4b9b37 ps2197\">Wealth &amp;<span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss296\"><span class=\"f charStyle-8d4b9b37 ps11113\"> Investment<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11857 ss1623\"><div><div class=\"ps11114 ss296\"><span class=\"f charStyle-8d4b9b37 ps11116\">Private Banking<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2817 ss1623\"><div><div class=\"ps11112 ss296\"><span class=\"f charStyle-a26246ce ps11118\">Total<span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss296\"><span class=\"f charStyle-a26246ce ps11119\"> Group<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps824 ss1668\"><div><div class=\"ps809 ss1078\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps830 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Staff costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11859 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.59pt\"></span></span><span class=\"ps11858\">9\u00a0715<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11861 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.63pt\"></span></span><span class=\"ps11860\">13\u00a0881<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11863 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.81pt\"></span></span><span class=\"ps11862\">386\u00a0531<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11865 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.36pt\"></span></span><span class=\"ps11864\">15\u00a0877<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2821 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.46pt\"></span></span><span class=\"ps9601\">426\u00a0004<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Premises expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11866 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.09pt\"></span></span><span class=\"ps3234\">1\u00a0280<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11868 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.45pt\"></span></span><span class=\"ps11867\">1\u00a0375<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11870 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.44pt\"></span></span><span class=\"ps11869\">26\u00a0596<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11872 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.91pt\"></span></span><span class=\"ps11871\">251<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2825 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.41pt\"></span></span><span class=\"ps11873\">29\u00a0502<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps843 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Equipment expenses (excluding depreciation)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11875 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.1pt\"></span></span><span class=\"ps11874\">3\u00a0114<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11876 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.21pt\"></span></span><span class=\"ps880\">6\u00a0105<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11878 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.3pt\"></span></span><span class=\"ps11877\">48\u00a0258<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11879 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.67pt\"></span></span><span class=\"ps11798\">586<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2829 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.26pt\"></span></span><span class=\"ps11880\">58\u00a0063<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps849 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Business expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9994 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.86pt\"></span></span><span class=\"ps11881\">4\u00a0831<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11883 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.16pt\"></span></span><span class=\"ps11882\">20\u00a0263<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11884 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.28pt\"></span></span><span class=\"ps11268\">68\u00a0280<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11885 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.5pt\"></span></span><span class=\"ps11829\">15\u00a0063<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2831 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.04pt\"></span></span><span class=\"ps11886\">108\u00a0437<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps853 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Marketing expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11888 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.13pt\"></span></span><span class=\"ps11887\">89<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11890 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.13pt\"></span></span><span class=\"ps11889\">2\u00a0621<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11891 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.96pt\"></span></span><span class=\"ps10225\">10\u00a0507<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11893 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.78pt\"></span></span><span class=\"ps11892\">(47)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11894 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.97pt\"></span></span><span class=\"ps9952\">13\u00a0170<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps858 ss1669\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-9458d4de ps7\">Depreciation, amortisation and impairment on </span></div><div class=\"ps469 ss1078\"><span class=\"f charStyle-9458d4de ps681\">equipment, software and intangibles</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11896 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.11pt\"></span></span><span class=\"ps11895\">35<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11897 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11898 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.01pt\"></span></span><span class=\"ps8351\">2\u00a0566<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11899 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11900 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.1pt\"></span></span><span class=\"ps10033\">2\u00a0601<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11902 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.27pt\"></span></span><span class=\"ps11901\">19\u00a0064<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11903 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.29pt\"></span></span><span class=\"ps9228\">44\u00a0245<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11904 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.1pt\"></span></span><span class=\"ps110\">542\u00a0738<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11906 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.91pt\"></span></span><span class=\"ps11905\">31\u00a0730<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11907 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.35pt\"></span></span><span class=\"ps11138\">637\u00a0777<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps11944 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:202.5pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps11852 ss1620\"><div><div class=\"ps809 ss1514\"><span class=\"f charStyle-a26246ce ps11101\">Specialist Banking<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11853 ss1620\"><div><div class=\"ps809 ss1514\"><span class=\"f charStyle-a26246ce ps838\">Private Client<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"3\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11854 ss1621\"><div><div class=\"ps8329 ss296\"><span class=\"f charStyle-8d4b9b37 ps11104\">Corporate, <span class=\"f ps2\"> </span></span></div><div class=\"ps8331 ss296\"><span class=\"f charStyle-8d4b9b37 ps11105\">Investment <span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss296\"><span class=\"f charStyle-8d4b9b37 ps8554\">Banking and <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss296\"><span class=\"f charStyle-8d4b9b37 ps953\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"3\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11855 ss1667\"><div><div class=\"ps8325 ss114\"><span class=\"f charStyle-8d4b9b37 ps11282\">Group<span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss114\"><span class=\"f charStyle-8d4b9b37 ps4227\"> Costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps817 ss1668\"><div><div class=\"ps809 ss1078\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31\u00a0March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11856 ss1623\"><div><div class=\"ps11112 ss296\"><span class=\"f charStyle-8d4b9b37 ps2197\">Wealth &amp;<span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss296\"><span class=\"f charStyle-8d4b9b37 ps11113\"> Investment<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11857 ss1623\"><div><div class=\"ps11114 ss296\"><span class=\"f charStyle-8d4b9b37 ps11116\">Private Banking<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2817 ss1623\"><div><div class=\"ps11112 ss296\"><span class=\"f charStyle-a26246ce ps11118\">Total<span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss296\"><span class=\"f charStyle-a26246ce ps11119\"> Group<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps824 ss1668\"><div><div class=\"ps809 ss1078\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps830 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Staff costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11859 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.09pt\"></span></span><span class=\"ps3234\">8\u00a0019<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11861 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.1pt\"></span></span><span class=\"ps11840\">17\u00a0180<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11863 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.7pt\"></span></span><span class=\"ps11909\">393\u00a0565<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11865 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.4pt\"></span></span><span class=\"ps11910\">14\u00a0405<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2821 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.59pt\"></span></span><span class=\"ps11911\">433\u00a0169<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Premises expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11866 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.03pt\"></span></span><span class=\"ps11912\">579<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11868 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.34pt\"></span></span><span class=\"ps11913\">1\u00a0397<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11870 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.55pt\"></span></span><span class=\"ps11914\">25\u00a0214<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11872 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.91pt\"></span></span><span class=\"ps11871\">615<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2825 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.75pt\"></span></span><span class=\"ps11915\">27\u00a0805<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps843 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Equipment expenses (excluding depreciation)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11875 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.86pt\"></span></span><span class=\"ps11916\">3\u00a0258<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11876 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.89pt\"></span></span><span class=\"ps1616\">6\u00a0645<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11878 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.12pt\"></span></span><span class=\"ps11917\">38\u00a0600<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11879 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.3pt\"></span></span><span class=\"ps5100\">384<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2829 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.53pt\"></span></span><span class=\"ps11563\">48\u00a0887<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"padding:0\"><div class=\"ps849 ss1670\"><div><div class=\"ps9695 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Business expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9994 ss388\"><div><div class=\"ps9695 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.73pt\"></span></span><span class=\"ps11918\">3\u00a0365<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11883 ss388\"><div><div class=\"ps9695 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.36pt\"></span></span><span class=\"ps10360\">20\u00a0031<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11884 ss388\"><div><div class=\"ps9695 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.66pt\"></span></span><span class=\"ps11919\">61\u00a0865<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11885 ss1578\"><div><div class=\"ps9695 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.91pt\"></span></span><span class=\"ps9679\">17\u00a0692<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2831 ss388\"><div><div class=\"ps9695 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.93pt\"></span></span><span class=\"ps11920\">102\u00a0953<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4677 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Marketing expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11922 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.49pt\"></span></span><span class=\"ps11921\">76<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11924 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.22pt\"></span></span><span class=\"ps11923\">2\u00a0607<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11926 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.25pt\"></span></span><span class=\"ps11925\">9\u00a0722<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11928 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.45pt\"></span></span><span class=\"ps11927\">426<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11930 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.64pt\"></span></span><span class=\"ps11929\">12\u00a0831<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps11931 ss1669\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-9458d4de ps7\">Depreciation, amortisation and impairment on </span></div><div class=\"ps469 ss1078\"><span class=\"f charStyle-9458d4de ps681\">equipment, software and intangibles</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11932 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.14pt\"></span></span><span class=\"ps11422\">69<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11933 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11934 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.87pt\"></span></span><span class=\"ps11256\">6\u00a0096<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11935 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11936 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.24pt\"></span></span><span class=\"ps433\">6\u00a0165<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11938 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.74pt\"></span></span><span class=\"ps11937\">15\u00a0366<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11939 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.48pt\"></span></span><span class=\"ps11677\">47\u00a0860<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11941 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.65pt\"></span></span><span class=\"ps11940\">535\u00a0062<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11942 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.93pt\"></span></span><span class=\"ps9424\">33\u00a0522<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11943 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.74pt\"></span></span><span class=\"ps10265\">631\u00a0810<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">7</span><span class=\"f charStyle-f6a3ab10 ps11804\">. </span><span class=\"f charStyle-f6a3ab10 ps11805\">Operating costs</span><span class=\"f charStyle-f6a3ab10 ps11946\"> (continued)<span class=\"f ps2\"> </span></span></div><div class=\"ps979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The amounts below represent the costs incurred or to be incurred by the Group in respect of the audit of the financial statements </span></div><div class=\"ps980 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and for other audit related services for the respective financial years.</span></div><div class=\"ps11967 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps9656\">2026</span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps9195\">2025</span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps3664 ss1651\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-13225c7c ps7\">Deloitte fees</span><span class=\"f charStyle-19493eb4 ps11948\"><span class=\"f ps2\"> </span><sup>^</sup></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps824 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total audit fees<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps2818 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.56pt\"></span></span><span class=\"ps11130\">6\u00a0188<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps2819 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.01pt\"></span></span><span class=\"ps11949\">5\u00a0756<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps830 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Audit of the Group\u2019s accounts<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2820 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.65pt\"></span></span><span class=\"ps9682\">520<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps2821 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.44pt\"></span></span><span class=\"ps3232\">482<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps837 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Audit of the Group\u2019s subsidiaries<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps2823 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27pt\"></span></span><span class=\"ps11950\">5\u00a0668<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps2825 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.24pt\"></span></span><span class=\"ps9267\">5\u00a0274<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps843 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total non-audit fees<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2827 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.04pt\"></span></span><span class=\"ps11951\">1\u00a0547<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2829 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26pt\"></span></span><span class=\"ps11952\">2\u00a0697<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps849 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-9458d4de ps7\">Audit-related assurance services</span><span class=\"f charStyle-70e7a25b ps11953\"><span class=\"f ps2\"> </span><sup>1</sup></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2830 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.33pt\"></span></span><span class=\"ps11954\">1\u00a0109<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps2831 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.1pt\"></span></span><span class=\"ps11840\">1\u00a0066<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps853 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-9458d4de ps7\">Other assurance services</span><span class=\"f charStyle-70e7a25b ps11955\"><span class=\"f ps2\"> </span><sup>2</sup></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11957 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.25pt\"></span></span><span class=\"ps11956\">65<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11894 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.56pt\"></span></span><span class=\"ps11958\">564<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps858 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-9458d4de ps7\">Services related to corporate finance transactions</span><span class=\"f charStyle-70e7a25b ps11959\"><span class=\"f ps2\"> </span><sup>3</sup></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11961 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38pt\"></span></span><span class=\"ps11960\">63<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11900 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.11pt\"></span></span><span class=\"ps850\">60<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps863 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other non-audit services<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11963 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.63pt\"></span></span><span class=\"ps11962\">310<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11964 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.42pt\"></span></span><span class=\"ps9607\">1\u00a0007<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps368 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total auditor\u2019s remuneration<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11965 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.39pt\"></span></span><span class=\"ps10321\">7\u00a0735<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11966 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.28pt\"></span></span><span class=\"ps11268\">8\u00a0453<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps11968 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">1.<span style=\"display:inline-block;height:5.81pt;width:9.9pt\"></span></span><span class=\"ps968\">Audit-related assurance fees consist of reviews of interim financial information and reporting accountant services.</span></span></div><div class=\"ps11969 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">2.<span style=\"display:inline-block;height:5.81pt;width:8.91pt\"></span></span><span class=\"ps968\">Other assurance services relate to services required by law or regulation (including reporting on regulatory returns, agreed-upon-procedures relating to statutory and </span></span></div><div class=\"ps11970 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">regulatory filings and reporting to regulators on client assets).</span></div><div class=\"ps11971 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">3.<span style=\"display:inline-block;height:5.81pt;width:8.8pt\"></span></span><span class=\"ps968\">Corporate finance transaction services relate to comfort letters on debt issuances.</span></span></div><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">In addition, audit fees of </span></span><span class=\"f charStyle-207fba8f ps11972\">\u00a31.7<span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps11973\"> million (</span><span class=\"f charStyle-207fba8f ps11974\">2025</span>: \u00a31.6 million) are borne by the Company and relate to the Investec DLC Group.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfExpensesByNatureExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-900": {
   "value": "<div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_241\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">7<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11804\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11805\">Operating costs<span class=\"f ps2\"> </span></span></div><div class=\"ps72 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps9195\">2025</span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:5.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps213 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Staff compensation costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11807 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.85pt\"></span></span><span class=\"ps11806\">414\u00a0958<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11808 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.84pt\"></span></span><span class=\"ps9494\">423\u00a0152<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9200 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Salaries and wages (including directors\u2019 remuneration)**<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9202 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.95pt\"></span></span><span class=\"ps11809\">328\u00a0687<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps9203 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.44pt\"></span></span><span class=\"ps11810\">335\u00a0046<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps734 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Share-based payment expense<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11812 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.56pt\"></span></span><span class=\"ps11811\">21\u00a0299<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11813 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.26pt\"></span></span><span class=\"ps9999\">23\u00a0733<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps4561 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Social security costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11814 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.27pt\"></span></span><span class=\"ps11601\">43\u00a0407<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11815 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.41pt\"></span></span><span class=\"ps9239\">43\u00a0615<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps843 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Pensions and provident fund contributions<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps2827 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.78pt\"></span></span><span class=\"ps11816\">21\u00a0565<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps2829 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.75pt\"></span></span><span class=\"ps11817\">20\u00a0758<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps4676 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Training and other costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11819 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.64pt\"></span></span><span class=\"ps11818\">11\u00a0046<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11821 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.08pt\"></span></span><span class=\"ps11820\">10\u00a0017<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps3472 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Staff costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9676 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.46pt\"></span></span><span class=\"ps11822\">426\u00a0004<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps8590 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.59pt\"></span></span><span class=\"ps11823\">433\u00a0169<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps4656 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Premises expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11824 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.41pt\"></span></span><span class=\"ps8328\">29\u00a0502<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11825 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.75pt\"></span></span><span class=\"ps11817\">27\u00a0805<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps1355 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Premises expenses (excluding depreciation and impairments)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11826 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.91pt\"></span></span><span class=\"ps9679\">12\u00a0972<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11828 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.14pt\"></span></span><span class=\"ps11827\">12\u00a0179<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps4288 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Premises depreciation and impairments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11830 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.5pt\"></span></span><span class=\"ps11829\">16\u00a0530<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11832 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.67pt\"></span></span><span class=\"ps11831\">15\u00a0626<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps2517 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Equipment expenses (excluding depreciation)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9467 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.26pt\"></span></span><span class=\"ps9999\">58\u00a0063<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps2521 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">48\u00a0887<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps4586 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Business expenses*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11835 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.04pt\"></span></span><span class=\"ps11834\">108\u00a0437<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11837 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.93pt\"></span></span><span class=\"ps11836\">102\u00a0953<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps11737 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Marketing expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11838 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.97pt\"></span></span><span class=\"ps11372\">13\u00a0170<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11839 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.64pt\"></span></span><span class=\"ps11818\">12\u00a0831<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps2380 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Depreciation, amortisation and impairment on equipment, software and intangibles^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11841 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.1pt\"></span></span><span class=\"ps11840\">2\u00a0601<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11842 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.24pt\"></span></span><span class=\"ps9304\">6\u00a0165<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11352 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.35pt\"></span></span><span class=\"ps9221\">637\u00a0777<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11353 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.74pt\"></span></span><span class=\"ps11843\">631\u00a0810<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps11844 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Business expenses mainly comprise insurance costs, consulting and professional fees, travel expenses and subscriptions. </span></span></div><div class=\"ps11845 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">Included within depreciation charge for the year is \u00a3nil (31 March 2025: \u00a34 million) of depreciation expense relating to other assets.</span></span></div><div class=\"ps11848 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">**<span style=\"display:inline-block;height:5.81pt;width:8.17pt\"></span></span><span class=\"ps968\">Details of the directors\u2019 emoluments, pensions and their interests are disclosed in the Investec remuneration report </span></span><span class=\"f charStyle-207fba8f ps11846\">2026<span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps11847\">.</span></div><div class=\"ps11851 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Segmental breakdown of operating costs<span class=\"f ps2\"> </span></span></div><div class=\"ps11908 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:202.5pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps11852 ss1620\"><div><div class=\"ps809 ss1514\"><span class=\"f charStyle-a26246ce ps11101\">Specialist Banking<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11853 ss1620\"><div><div class=\"ps809 ss1514\"><span class=\"f charStyle-a26246ce ps838\">Private Client<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"3\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11854 ss1621\"><div><div class=\"ps8329 ss296\"><span class=\"f charStyle-8d4b9b37 ps11104\">Corporate, <span class=\"f ps2\"> </span></span></div><div class=\"ps8331 ss296\"><span class=\"f charStyle-8d4b9b37 ps11105\">Investment <span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss296\"><span class=\"f charStyle-8d4b9b37 ps8554\">Banking and <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss296\"><span class=\"f charStyle-8d4b9b37 ps953\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"3\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11855 ss1667\"><div><div class=\"ps8325 ss114\"><span class=\"f charStyle-8d4b9b37 ps11282\">Group<span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss114\"><span class=\"f charStyle-8d4b9b37 ps4227\"> Costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps817 ss1668\"><div><div class=\"ps809 ss1078\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31\u00a0March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11856 ss1623\"><div><div class=\"ps11112 ss296\"><span class=\"f charStyle-8d4b9b37 ps2197\">Wealth &amp;<span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss296\"><span class=\"f charStyle-8d4b9b37 ps11113\"> Investment<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11857 ss1623\"><div><div class=\"ps11114 ss296\"><span class=\"f charStyle-8d4b9b37 ps11116\">Private Banking<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2817 ss1623\"><div><div class=\"ps11112 ss296\"><span class=\"f charStyle-a26246ce ps11118\">Total<span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss296\"><span class=\"f charStyle-a26246ce ps11119\"> Group<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps824 ss1668\"><div><div class=\"ps809 ss1078\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps830 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Staff costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11859 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.59pt\"></span></span><span class=\"ps11858\">9\u00a0715<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11861 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.63pt\"></span></span><span class=\"ps11860\">13\u00a0881<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11863 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.81pt\"></span></span><span class=\"ps11862\">386\u00a0531<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11865 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.36pt\"></span></span><span class=\"ps11864\">15\u00a0877<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2821 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.46pt\"></span></span><span class=\"ps9601\">426\u00a0004<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Premises expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11866 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.09pt\"></span></span><span class=\"ps3234\">1\u00a0280<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11868 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.45pt\"></span></span><span class=\"ps11867\">1\u00a0375<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11870 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.44pt\"></span></span><span class=\"ps11869\">26\u00a0596<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11872 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.91pt\"></span></span><span class=\"ps11871\">251<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2825 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.41pt\"></span></span><span class=\"ps11873\">29\u00a0502<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps843 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Equipment expenses (excluding depreciation)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11875 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.1pt\"></span></span><span class=\"ps11874\">3\u00a0114<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11876 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.21pt\"></span></span><span class=\"ps880\">6\u00a0105<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11878 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.3pt\"></span></span><span class=\"ps11877\">48\u00a0258<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11879 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.67pt\"></span></span><span class=\"ps11798\">586<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2829 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.26pt\"></span></span><span class=\"ps11880\">58\u00a0063<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps849 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Business expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9994 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.86pt\"></span></span><span class=\"ps11881\">4\u00a0831<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11883 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.16pt\"></span></span><span class=\"ps11882\">20\u00a0263<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11884 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.28pt\"></span></span><span class=\"ps11268\">68\u00a0280<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11885 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.5pt\"></span></span><span class=\"ps11829\">15\u00a0063<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2831 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.04pt\"></span></span><span class=\"ps11886\">108\u00a0437<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps853 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Marketing expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11888 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.13pt\"></span></span><span class=\"ps11887\">89<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11890 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.13pt\"></span></span><span class=\"ps11889\">2\u00a0621<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11891 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.96pt\"></span></span><span class=\"ps10225\">10\u00a0507<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11893 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.78pt\"></span></span><span class=\"ps11892\">(47)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11894 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.97pt\"></span></span><span class=\"ps9952\">13\u00a0170<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps858 ss1669\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-9458d4de ps7\">Depreciation, amortisation and impairment on </span></div><div class=\"ps469 ss1078\"><span class=\"f charStyle-9458d4de ps681\">equipment, software and intangibles</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11896 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.11pt\"></span></span><span class=\"ps11895\">35<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11897 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11898 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.01pt\"></span></span><span class=\"ps8351\">2\u00a0566<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11899 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11900 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.1pt\"></span></span><span class=\"ps10033\">2\u00a0601<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11902 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.27pt\"></span></span><span class=\"ps11901\">19\u00a0064<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11903 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.29pt\"></span></span><span class=\"ps9228\">44\u00a0245<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11904 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.1pt\"></span></span><span class=\"ps110\">542\u00a0738<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11906 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.91pt\"></span></span><span class=\"ps11905\">31\u00a0730<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11907 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.35pt\"></span></span><span class=\"ps11138\">637\u00a0777<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps11944 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:202.5pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps11852 ss1620\"><div><div class=\"ps809 ss1514\"><span class=\"f charStyle-a26246ce ps11101\">Specialist Banking<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11853 ss1620\"><div><div class=\"ps809 ss1514\"><span class=\"f charStyle-a26246ce ps838\">Private Client<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"3\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11854 ss1621\"><div><div class=\"ps8329 ss296\"><span class=\"f charStyle-8d4b9b37 ps11104\">Corporate, <span class=\"f ps2\"> </span></span></div><div class=\"ps8331 ss296\"><span class=\"f charStyle-8d4b9b37 ps11105\">Investment <span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss296\"><span class=\"f charStyle-8d4b9b37 ps8554\">Banking and <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss296\"><span class=\"f charStyle-8d4b9b37 ps953\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"3\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11855 ss1667\"><div><div class=\"ps8325 ss114\"><span class=\"f charStyle-8d4b9b37 ps11282\">Group<span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss114\"><span class=\"f charStyle-8d4b9b37 ps4227\"> Costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps817 ss1668\"><div><div class=\"ps809 ss1078\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31\u00a0March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11856 ss1623\"><div><div class=\"ps11112 ss296\"><span class=\"f charStyle-8d4b9b37 ps2197\">Wealth &amp;<span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss296\"><span class=\"f charStyle-8d4b9b37 ps11113\"> Investment<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11857 ss1623\"><div><div class=\"ps11114 ss296\"><span class=\"f charStyle-8d4b9b37 ps11116\">Private Banking<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2817 ss1623\"><div><div class=\"ps11112 ss296\"><span class=\"f charStyle-a26246ce ps11118\">Total<span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss296\"><span class=\"f charStyle-a26246ce ps11119\"> Group<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps824 ss1668\"><div><div class=\"ps809 ss1078\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps830 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Staff costs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11859 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.09pt\"></span></span><span class=\"ps3234\">8\u00a0019<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11861 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.1pt\"></span></span><span class=\"ps11840\">17\u00a0180<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11863 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.7pt\"></span></span><span class=\"ps11909\">393\u00a0565<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11865 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.4pt\"></span></span><span class=\"ps11910\">14\u00a0405<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2821 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.59pt\"></span></span><span class=\"ps11911\">433\u00a0169<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Premises expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11866 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.03pt\"></span></span><span class=\"ps11912\">579<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11868 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.34pt\"></span></span><span class=\"ps11913\">1\u00a0397<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11870 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.55pt\"></span></span><span class=\"ps11914\">25\u00a0214<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11872 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.91pt\"></span></span><span class=\"ps11871\">615<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2825 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.75pt\"></span></span><span class=\"ps11915\">27\u00a0805<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps843 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Equipment expenses (excluding depreciation)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11875 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.86pt\"></span></span><span class=\"ps11916\">3\u00a0258<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11876 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.89pt\"></span></span><span class=\"ps1616\">6\u00a0645<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11878 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.12pt\"></span></span><span class=\"ps11917\">38\u00a0600<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11879 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.3pt\"></span></span><span class=\"ps5100\">384<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2829 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.53pt\"></span></span><span class=\"ps11563\">48\u00a0887<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"padding:0\"><div class=\"ps849 ss1670\"><div><div class=\"ps9695 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Business expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9994 ss388\"><div><div class=\"ps9695 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.73pt\"></span></span><span class=\"ps11918\">3\u00a0365<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11883 ss388\"><div><div class=\"ps9695 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.36pt\"></span></span><span class=\"ps10360\">20\u00a0031<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11884 ss388\"><div><div class=\"ps9695 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.66pt\"></span></span><span class=\"ps11919\">61\u00a0865<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11885 ss1578\"><div><div class=\"ps9695 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.91pt\"></span></span><span class=\"ps9679\">17\u00a0692<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2831 ss388\"><div><div class=\"ps9695 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.93pt\"></span></span><span class=\"ps11920\">102\u00a0953<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4677 ss1668\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-2b0f4fe0 ps7\">Marketing expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11922 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.49pt\"></span></span><span class=\"ps11921\">76<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11924 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.22pt\"></span></span><span class=\"ps11923\">2\u00a0607<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11926 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.25pt\"></span></span><span class=\"ps11925\">9\u00a0722<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11928 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.45pt\"></span></span><span class=\"ps11927\">426<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11930 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.64pt\"></span></span><span class=\"ps11929\">12\u00a0831<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps11931 ss1669\"><div><div class=\"ps815 ss1078\"><span class=\"f charStyle-9458d4de ps7\">Depreciation, amortisation and impairment on </span></div><div class=\"ps469 ss1078\"><span class=\"f charStyle-9458d4de ps681\">equipment, software and intangibles</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11932 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.14pt\"></span></span><span class=\"ps11422\">69<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11933 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11934 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.87pt\"></span></span><span class=\"ps11256\">6\u00a0096<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11935 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11936 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.24pt\"></span></span><span class=\"ps433\">6\u00a0165<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11938 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.74pt\"></span></span><span class=\"ps11937\">15\u00a0366<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11939 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.48pt\"></span></span><span class=\"ps11677\">47\u00a0860<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11941 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.65pt\"></span></span><span class=\"ps11940\">535\u00a0062<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11942 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.93pt\"></span></span><span class=\"ps9424\">33\u00a0522<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11943 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.74pt\"></span></span><span class=\"ps10265\">631\u00a0810<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">7</span><span class=\"f charStyle-f6a3ab10 ps11804\">. </span><span class=\"f charStyle-f6a3ab10 ps11805\">Operating costs</span><span class=\"f charStyle-f6a3ab10 ps11946\"> (continued)<span class=\"f ps2\"> </span></span></div><div class=\"ps979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The amounts below represent the costs incurred or to be incurred by the Group in respect of the audit of the financial statements </span></div><div class=\"ps980 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and for other audit related services for the respective financial years.</span></div><div class=\"ps11967 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps9656\">2026</span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps9195\">2025</span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps3664 ss1651\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-13225c7c ps7\">Deloitte fees</span><span class=\"f charStyle-19493eb4 ps11948\"><span class=\"f ps2\"> </span><sup>^</sup></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps824 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total audit fees<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps2818 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.56pt\"></span></span><span class=\"ps11130\">6\u00a0188<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps2819 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.01pt\"></span></span><span class=\"ps11949\">5\u00a0756<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps830 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Audit of the Group\u2019s accounts<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2820 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.65pt\"></span></span><span class=\"ps9682\">520<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps2821 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.44pt\"></span></span><span class=\"ps3232\">482<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps837 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Audit of the Group\u2019s subsidiaries<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps2823 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27pt\"></span></span><span class=\"ps11950\">5\u00a0668<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps2825 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.24pt\"></span></span><span class=\"ps9267\">5\u00a0274<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps843 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total non-audit fees<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2827 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.04pt\"></span></span><span class=\"ps11951\">1\u00a0547<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2829 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26pt\"></span></span><span class=\"ps11952\">2\u00a0697<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps849 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-9458d4de ps7\">Audit-related assurance services</span><span class=\"f charStyle-70e7a25b ps11953\"><span class=\"f ps2\"> </span><sup>1</sup></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2830 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.33pt\"></span></span><span class=\"ps11954\">1\u00a0109<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps2831 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.1pt\"></span></span><span class=\"ps11840\">1\u00a0066<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps853 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-9458d4de ps7\">Other assurance services</span><span class=\"f charStyle-70e7a25b ps11955\"><span class=\"f ps2\"> </span><sup>2</sup></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11957 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.25pt\"></span></span><span class=\"ps11956\">65<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11894 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.56pt\"></span></span><span class=\"ps11958\">564<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps858 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-9458d4de ps7\">Services related to corporate finance transactions</span><span class=\"f charStyle-70e7a25b ps11959\"><span class=\"f ps2\"> </span><sup>3</sup></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11961 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38pt\"></span></span><span class=\"ps11960\">63<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11900 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.11pt\"></span></span><span class=\"ps850\">60<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps863 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other non-audit services<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11963 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.63pt\"></span></span><span class=\"ps11962\">310<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11964 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.42pt\"></span></span><span class=\"ps9607\">1\u00a0007<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps368 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total auditor\u2019s remuneration<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11965 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.39pt\"></span></span><span class=\"ps10321\">7\u00a0735<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11966 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.28pt\"></span></span><span class=\"ps11268\">8\u00a0453<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps11968 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">1.<span style=\"display:inline-block;height:5.81pt;width:9.9pt\"></span></span><span class=\"ps968\">Audit-related assurance fees consist of reviews of interim financial information and reporting accountant services.</span></span></div><div class=\"ps11969 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">2.<span style=\"display:inline-block;height:5.81pt;width:8.91pt\"></span></span><span class=\"ps968\">Other assurance services relate to services required by law or regulation (including reporting on regulatory returns, agreed-upon-procedures relating to statutory and </span></span></div><div class=\"ps11970 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">regulatory filings and reporting to regulators on client assets).</span></div><div class=\"ps11971 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">3.<span style=\"display:inline-block;height:5.81pt;width:8.8pt\"></span></span><span class=\"ps968\">Corporate finance transaction services relate to comfort letters on debt issuances.</span></span></div><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">In addition, audit fees of </span></span><span class=\"f charStyle-207fba8f ps11972\">\u00a31.7<span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps11973\"> million (</span><span class=\"f charStyle-207fba8f ps11974\">2025</span>: \u00a31.6 million) are borne by the Company and relate to the Investec DLC Group.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfExpensesExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-906": {
   "value": "<div class=\"ps979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The amounts below represent the costs incurred or to be incurred by the Group in respect of the audit of the financial statements </span></div><div class=\"ps980 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and for other audit related services for the respective financial years.</span></div><div class=\"ps11967 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps9656\">2026</span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps9195\">2025</span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps3664 ss1651\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-13225c7c ps7\">Deloitte fees</span><span class=\"f charStyle-19493eb4 ps11948\"><span class=\"f ps2\"> </span><sup>^</sup></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps824 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total audit fees<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps2818 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.56pt\"></span></span><span class=\"ps11130\">6\u00a0188<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps2819 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.01pt\"></span></span><span class=\"ps11949\">5\u00a0756<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps830 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Audit of the Group\u2019s accounts<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2820 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.65pt\"></span></span><span class=\"ps9682\">520<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps2821 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.44pt\"></span></span><span class=\"ps3232\">482<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps837 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Audit of the Group\u2019s subsidiaries<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps2823 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27pt\"></span></span><span class=\"ps11950\">5\u00a0668<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps2825 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.24pt\"></span></span><span class=\"ps9267\">5\u00a0274<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps843 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total non-audit fees<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2827 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.04pt\"></span></span><span class=\"ps11951\">1\u00a0547<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2829 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26pt\"></span></span><span class=\"ps11952\">2\u00a0697<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps849 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-9458d4de ps7\">Audit-related assurance services</span><span class=\"f charStyle-70e7a25b ps11953\"><span class=\"f ps2\"> </span><sup>1</sup></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2830 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.33pt\"></span></span><span class=\"ps11954\">1\u00a0109<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps2831 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.1pt\"></span></span><span class=\"ps11840\">1\u00a0066<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps853 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-9458d4de ps7\">Other assurance services</span><span class=\"f charStyle-70e7a25b ps11955\"><span class=\"f ps2\"> </span><sup>2</sup></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11957 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.25pt\"></span></span><span class=\"ps11956\">65<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11894 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.56pt\"></span></span><span class=\"ps11958\">564<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps858 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-9458d4de ps7\">Services related to corporate finance transactions</span><span class=\"f charStyle-70e7a25b ps11959\"><span class=\"f ps2\"> </span><sup>3</sup></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11961 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38pt\"></span></span><span class=\"ps11960\">63<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11900 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.11pt\"></span></span><span class=\"ps850\">60<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps863 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other non-audit services<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps11963 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.63pt\"></span></span><span class=\"ps11962\">310<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11964 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.42pt\"></span></span><span class=\"ps9607\">1\u00a0007<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps368 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total auditor\u2019s remuneration<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11965 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.39pt\"></span></span><span class=\"ps10321\">7\u00a0735<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11966 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.28pt\"></span></span><span class=\"ps11268\">8\u00a0453<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps11968 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">1.<span style=\"display:inline-block;height:5.81pt;width:9.9pt\"></span></span><span class=\"ps968\">Audit-related assurance fees consist of reviews of interim financial information and reporting accountant services.</span></span></div><div class=\"ps11969 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">2.<span style=\"display:inline-block;height:5.81pt;width:8.91pt\"></span></span><span class=\"ps968\">Other assurance services relate to services required by law or regulation (including reporting on regulatory returns, agreed-upon-procedures relating to statutory and </span></span></div><div class=\"ps11970 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">regulatory filings and reporting to regulators on client assets).</span></div><div class=\"ps11971 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">3.<span style=\"display:inline-block;height:5.81pt;width:8.8pt\"></span></span><span class=\"ps968\">Corporate finance transaction services relate to comfort letters on debt issuances.</span></span></div><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">In addition, audit fees of </span></span><span class=\"f charStyle-207fba8f ps11972\">\u00a31.7<span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps11973\"> million (</span><span class=\"f charStyle-207fba8f ps11974\">2025</span>: \u00a31.6 million) are borne by the Company and relate to the Investec DLC Group.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAuditorsRemunerationExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-907": {
   "value": "<div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_244\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">8<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11789\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11791\">Share-based payments<span class=\"f ps2\"> </span></span></div><div class=\"ps979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group operates share option and long-term share incentive plans for employees, the majority of which are on an equity-settled <span class=\"f ps2\"> </span></span></div><div class=\"ps980 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">basis. The purpose of the staff share schemes is to promote an esprit de corps within the organisation, create an awareness of <span class=\"f ps2\"> </span></span></div><div class=\"ps981 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec Group\u2019s performance and provide an incentive to maximise individual business unit and Investec Group performance by <span class=\"f ps2\"> </span></span></div><div class=\"ps982 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">allowing all staff to share in the risks and rewards of the Investec Group.</span></div><div class=\"ps4872 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group makes awards available to staff members via the underlying share trusts. The particular instrument used varies from <span class=\"f ps2\"> </span></span></div><div class=\"ps2365 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">time to time, depending on taxation legislation and factors affecting the Group structure. Nevertheless, whatever the instrument <span class=\"f ps2\"> </span></span></div><div class=\"ps8839 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">chosen, its underlying value depends solely on the performance of the Group\u2019s share price. Awards made under the UK share </span></div><div class=\"ps8840 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">schemes are settled in </span><span class=\"f charStyle-33e1c6d6 ps11977\">Investec </span><span class=\"f charStyle-33e1c6d6 ps11978\">p</span><span class=\"f charStyle-33e1c6d6 ps11979\">lc</span><span class=\"f charStyle-33e1c6d6 ps11980\"> shares (INVP and INP).</span></div><div class=\"ps4876 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">These awards are contingent on the continued employment of employees up to the date of vesting. At present, the practice of the </span></div><div class=\"ps8179 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group is to grant all permanent staff members a share allocation, based on their annual package, after completing six months of </span></div><div class=\"ps8180 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">employment. In line with the objective of providing a long-term incentive for staff, these share awards vest over periods varying <span class=\"f ps2\"> </span></span></div><div class=\"ps4878 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">from three to five years.</span></div><div class=\"ps4879 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">After the initial allocation referred to below, additional allocations are made to staff members at the discretion of Group </span></div><div class=\"ps4880 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">management depending on the individual performance and contribution made by the respective staff members.</span></div><div class=\"ps11981 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Equity-settled awards granted under Investec share plans</span></div><div class=\"ps11982 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The share incentive awards are granted in the following award types, each of which vest in line with the specified parameters.</span></div><div class=\"ps11983 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Forfeitable share awards are shares held in the name of or for the benefit of an employee, for which the employee has dividend and </span></div><div class=\"ps11984 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">voting rights.</span></div><div class=\"ps11985 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Conditional awards are the right to receive a share at a future date once the service conditions have been met. Employees do not </span></div><div class=\"ps11986 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">have a right to dividends or voting rights on these grants until vesting.</span></div><div class=\"ps11987 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Nil-cost options are share options in respect of which no option price is payable and where the employee has no dividend or voting </span></div><div class=\"ps11988 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">rights.</span></div><div class=\"ps11989 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Forfeitable and conditional awards and nil-cost options are awarded to employees for no consideration. These are settled by grants </span></div><div class=\"ps11990 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">from the Investec Group\u2019s share scheme trusts, which acquire shares through on-market purchases.</span></div><div class=\"ps11995 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1671\"><div><div class=\"ps3707 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1671\"><div><div class=\"ps3707 ss114\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps9195\">2025</span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1665\"><div><div class=\"ps11991 ss651\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3722 ss1651\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Share-based payment expense<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3545 ss652\"><div><div class=\"ps97 ss651\"><span class=\"f charStyle-c4fc3a3f ps7\">Equity-settled<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11993 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.07pt\"></span></span><span class=\"ps11992\">21\u00a0299<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11994 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.08pt\"></span></span><span class=\"ps11485\">23\u00a0733<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps11998 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1671\"><div><div class=\"ps3707 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1671\"><div><div class=\"ps3707 ss114\"><span class=\"f charStyle-8d4b9b37 ps9195\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1665\"><div><div class=\"ps11991 ss651\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3722 ss1651\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Weighted average fair value of awards granted in the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3545 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">UK schemes<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11993 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.85pt\"></span></span><span class=\"ps11241\">26\u00a0139<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11994 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.58pt\"></span></span><span class=\"ps11124\">20\u00a0992<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps12043 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:258.75pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:52.5pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:52.5pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"6\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps11852 ss1672\"><div><div class=\"ps809 ss45\"><span class=\"f charStyle-a26246ce ps11999\">UK schemes<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11441 ss1673\"><div><div class=\"ps809 ss1356\"><span class=\"f charStyle-a26246ce ps12000\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11449 ss1673\"><div><div class=\"ps809 ss1356\"><span class=\"f charStyle-8d4b9b37 ps12001\">2025<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:44.25pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps817 ss1675\"><div><div class=\"ps12002 ss1674\"><span class=\"f charStyle-a26246ce ps7\">Details of awards outstanding during the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11857 ss1676\"><div><div class=\"ps12006 ss1335\"><span class=\"f charStyle-a26246ce ps12005\">Number of</span></div><div class=\"ps12002 ss1335\"><span class=\"f charStyle-a26246ce ps12007\">share awards<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12012 ss1677\"><div><div class=\"ps12008 ss1518\"><span class=\"f charStyle-a26246ce ps9422\">Weighted <span class=\"f ps2\"> </span></span></div><div class=\"ps12003 ss1518\"><span class=\"f charStyle-a26246ce ps11587\">average <span class=\"f ps2\"> </span></span></div><div class=\"ps12004 ss1518\"><span class=\"f charStyle-a26246ce ps12009\">exercise<span class=\"f ps2\"> </span></span></div><div class=\"ps12006 ss1518\"><span class=\"f charStyle-a26246ce ps12010\">price<span class=\"f ps2\"> </span></span></div><div class=\"ps12002 ss1518\"><span class=\"f charStyle-a26246ce ps12011\">\u00a3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12015 ss1676\"><div><div class=\"ps12006 ss1335\"><span class=\"f charStyle-8d4b9b37 ps12013\">Number of<span class=\"f ps2\"> </span></span></div><div class=\"ps12002 ss1335\"><span class=\"f charStyle-8d4b9b37 ps12014\">share awards<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12020 ss1677\"><div><div class=\"ps12008 ss1518\"><span class=\"f charStyle-8d4b9b37 ps12016\">Weighted <span class=\"f ps2\"> </span></span></div><div class=\"ps12003 ss1518\"><span class=\"f charStyle-8d4b9b37 ps9685\">average <span class=\"f ps2\"> </span></span></div><div class=\"ps12004 ss1518\"><span class=\"f charStyle-8d4b9b37 ps12017\">exercise<span class=\"f ps2\"> </span></span></div><div class=\"ps12006 ss1518\"><span class=\"f charStyle-8d4b9b37 ps12018\">price<span class=\"f ps2\"> </span></span></div><div class=\"ps12002 ss1518\"><span class=\"f charStyle-8d4b9b37 ps12019\">\u00a3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps192 ss1678\"><div><div class=\"ps997 ss1674\"><span class=\"f charStyle-2b0f4fe0 ps7\">Outstanding at the beginning of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps12022 ss1339\"><div><div class=\"ps997 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.9pt\"></span></span><span class=\"ps12021\">23\u00a0757\u00a0112<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps12024 ss1679\"><div><div class=\"ps997 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.03pt\"></span></span><span class=\"ps12023\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps12026 ss1339\"><div><div class=\"ps997 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.02pt\"></span></span><span class=\"ps12025\">27\u00a0720\u00a0761<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps12027 ss1679\"><div><div class=\"ps997 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.03pt\"></span></span><span class=\"ps12023\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3467 ss1680\"><div><div class=\"ps815 ss1674\"><span class=\"f charStyle-2b0f4fe0 ps7\">Granted during the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11482 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.49pt\"></span></span><span class=\"ps12028\">5\u00a0653\u00a0508<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11484 ss1522\"><div><div class=\"ps815 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.03pt\"></span></span><span class=\"ps12023\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11486 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.44pt\"></span></span><span class=\"ps12029\">4\u00a0561\u00a0496<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11487 ss1522\"><div><div class=\"ps815 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.03pt\"></span></span><span class=\"ps12023\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3472 ss1680\"><div><div class=\"ps815 ss1674\"><span class=\"f charStyle-2b0f4fe0 ps7\">Exercised during the year^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11492 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.59pt\"></span></span><span class=\"ps12030\">(9\u00a0413\u00a0482)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11494 ss1522\"><div><div class=\"ps815 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.03pt\"></span></span><span class=\"ps12023\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11496 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.41pt\"></span></span><span class=\"ps12031\">(7\u00a0907\u00a0686)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11497 ss1522\"><div><div class=\"ps815 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.03pt\"></span></span><span class=\"ps12023\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3477 ss1680\"><div><div class=\"ps815 ss1674\"><span class=\"f charStyle-2b0f4fe0 ps7\">Awards forfeited during the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11558 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.36pt\"></span></span><span class=\"ps1625\">(539\u00a0960)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11560 ss1522\"><div><div class=\"ps815 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.03pt\"></span></span><span class=\"ps12023\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11562 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.99pt\"></span></span><span class=\"ps12032\">(617\u00a0459)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11564 ss1522\"><div><div class=\"ps815 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.03pt\"></span></span><span class=\"ps12023\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps1217 ss1680\"><div><div class=\"ps815 ss1674\"><span class=\"f charStyle-b7f6e8e5 ps7\">Outstanding at the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps12033 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.53pt\"></span></span><span class=\"ps9726\">19\u00a0457\u00a0178<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps12035 ss1522\"><div><div class=\"ps815 ss1518\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.56pt\"></span></span><span class=\"ps12034\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11567 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.13pt\"></span></span><span class=\"ps12036\">23\u00a0757\u00a0112<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps12037 ss1522\"><div><div class=\"ps815 ss1518\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.56pt\"></span></span><span class=\"ps12034\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3485 ss1680\"><div><div class=\"ps815 ss1674\"><span class=\"f charStyle-b7f6e8e5 ps7\">Exercisable at the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12039 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5 ps12038\">938\u00a0831<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12040 ss1522\"><div><div class=\"ps815 ss1518\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.56pt\"></span></span><span class=\"ps12034\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11571 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.71pt\"></span></span><span class=\"ps12041\">807\u00a0309<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12042 ss1522\"><div><div class=\"ps815 ss1518\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.56pt\"></span></span><span class=\"ps12034\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps12049 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">The weighted average share price of options exercised during the year w</span></span><span class=\"f charStyle-1020809c ps12044\"><span style=\"background-color:inherit\">a</span></span><span class=\"f charStyle-207fba8f ps12045\">s \u00a35.52<span class=\"f ps2\"> </span></span><span class=\"f charStyle-1020809c ps12046\"><span style=\"background-color:inherit\"> (</span></span><span class=\"f charStyle-207fba8f ps12047\">2025</span><span class=\"f charStyle-207fba8f ps12048\">: \u00a35.35).</span></div><div class=\"ps12052 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The weighted average share price during the year was \u00a35.53 (</span><span class=\"f charStyle-33e1c6d6 ps12050\">2025</span><span class=\"f charStyle-33e1c6d6 ps12051\">: \u00a35.50).</span></div></div><div class=\"ps72 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:342.75pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss1681\"><div><div class=\"ps809 ss1064\"><span class=\"f charStyle-a26246ce ps7\">Additional information relating to awards:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12055 ss1683\"><div><div class=\"ps809 ss1682\"><span class=\"f charStyle-a26246ce ps12054\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12057 ss1683\"><div><div class=\"ps809 ss1682\"><span class=\"f charStyle-8d4b9b37 ps12056\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1681\"><div><div class=\"ps815 ss1064\"><span class=\"f charStyle-b7f6e8e5 ps7\">Long-term incentive grants with no strike price<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps817 ss1681\"><div><div class=\"ps815 ss1064\"><span class=\"f charStyle-2b0f4fe0 ps7\">Exercise price range<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12059 ss1683\"><div><div class=\"ps815 ss1682\"><span class=\"f charStyle-2b0f4fe0 ps12058\">\u00a3nil<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12061 ss1683\"><div><div class=\"ps815 ss1682\"><span class=\"f charStyle-2b0f4fe0 ps12060\">\u00a3nil<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps824 ss1681\"><div><div class=\"ps815 ss1064\"><span class=\"f charStyle-2b0f4fe0 ps7\">Weighted average remaining contractual life<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12063 ss1683\"><div><div class=\"ps815 ss1682\"><span class=\"f charStyle-2b0f4fe0 ps12062\">1.89 years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12065 ss1683\"><div><div class=\"ps815 ss1682\"><span class=\"f charStyle-2b0f4fe0 ps12064\">1.61 years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps830 ss1681\"><div><div class=\"ps815 ss1064\"><span class=\"f charStyle-2b0f4fe0 ps7\">Weighted average fair value of awards and long-term grants at measurement date<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12067 ss1683\"><div><div class=\"ps815 ss1682\"><span class=\"f charStyle-2b0f4fe0 ps12066\">\u00a34.62<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12069 ss1683\"><div><div class=\"ps815 ss1682\"><span class=\"f charStyle-2b0f4fe0 ps12068\">\u00a34.60<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:30pt\"><td style=\"padding:0\"><div class=\"ps837 ss1684\"><div><div class=\"ps815 ss1064\"><span class=\"f charStyle-2b0f4fe0 ps7\">The fair values of awards granted were calculated at market price, adjusted for relevant terms <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1064\"><span class=\"f charStyle-2b0f4fe0 ps7\">and conditions as applicable. For awards granted during the year, the inputs into the model <span class=\"f ps2\"> </span></span></div><div class=\"ps8432 ss1064\"><span class=\"f charStyle-2b0f4fe0 ps7\">were as follows:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1018 ss1681\"><div><div class=\"ps815 ss1064\"><span class=\"f charStyle-9458d4de ps680\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps681\">Share price at date of grant<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12071 ss1683\"><div><div class=\"ps815 ss1682\"><span class=\"f charStyle-2b0f4fe0 ps12070\">\u00a35.30 - \u00a35.46<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12072 ss1683\"><div><div class=\"ps815 ss1682\"><span class=\"f charStyle-2b0f4fe0 ps11483\">\u00a35.16 - \u00a35.77<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1022 ss1681\"><div><div class=\"ps815 ss1064\"><span class=\"f charStyle-9458d4de ps680\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps681\">Exercise price<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12073 ss1683\"><div><div class=\"ps815 ss1682\"><span class=\"f charStyle-2b0f4fe0 ps12058\">\u00a3nil<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12074 ss1683\"><div><div class=\"ps815 ss1682\"><span class=\"f charStyle-2b0f4fe0 ps12060\">\u00a3nil<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12075 ss1681\"><div><div class=\"ps815 ss1064\"><span class=\"f charStyle-9458d4de ps680\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps681\">Expected volatility<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12077 ss1683\"><div><div class=\"ps815 ss1682\"><span class=\"f charStyle-2b0f4fe0 ps12076\">n/a<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12078 ss1683\"><div><div class=\"ps815 ss1682\"><span class=\"f charStyle-2b0f4fe0 ps12076\">n/a<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"><div class=\"ps341 ss1685\"><div><div class=\"ps997 ss1064\"><span class=\"f charStyle-9458d4de ps680\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps681\">Award life<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12080 ss1686\"><div><div class=\"ps997 ss1682\"><span class=\"f charStyle-2b0f4fe0 ps12079\">0.12 - 7.01 years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12082 ss1686\"><div><div class=\"ps997 ss1682\"><span class=\"f charStyle-2b0f4fe0 ps12081\">0 - 7.01 years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4294 ss1681\"><div><div class=\"ps815 ss1064\"><span class=\"f charStyle-9458d4de ps680\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps681\">Expected dividend yields<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12083 ss1683\"><div><div class=\"ps815 ss1682\"><span class=\"f charStyle-2b0f4fe0 ps12076\">n/a<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12084 ss1683\"><div><div class=\"ps815 ss1682\"><span class=\"f charStyle-2b0f4fe0 ps12076\">n/a<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps4301 ss1681\"><div><div class=\"ps815 ss1064\"><span class=\"f charStyle-9458d4de ps680\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps681\">Risk-free rate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12085 ss1683\"><div><div class=\"ps815 ss1682\"><span class=\"f charStyle-2b0f4fe0 ps12076\">n/a<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12086 ss1683\"><div><div class=\"ps815 ss1682\"><span class=\"f charStyle-2b0f4fe0 ps12076\">n/a<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps12128 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:258.75pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:52.5pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:52.5pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"6\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps11852 ss1672\"><div><div class=\"ps809 ss45\"><span class=\"f charStyle-a26246ce ps11999\">UK schemes<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11441 ss1673\"><div><div class=\"ps809 ss1356\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps12000\">2026</span></div></div></div></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11449 ss1673\"><div><div class=\"ps809 ss1356\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps12001\">2025</span></div></div></div></td></tr><tr style=\"height:44.25pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps817 ss1675\"><div><div class=\"ps12002 ss1674\"><span class=\"f charStyle-a26246ce ps7\">Year of vesting by share plan and award type<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11857 ss1676\"><div><div class=\"ps12004 ss1335\"><span class=\"f charStyle-a26246ce ps12005\">Number of</span></div><div class=\"ps12006 ss1335\"><span class=\"f charStyle-a26246ce ps12007\">share awards <span class=\"f ps2\"> </span></span></div><div class=\"ps12002 ss1335\"><span class=\"f charStyle-a26246ce ps11455\">outstanding<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12012 ss1677\"><div><div class=\"ps12006 ss1518\"><span class=\"f charStyle-a26246ce ps8414\">Year of<span class=\"f ps2\"> </span></span></div><div class=\"ps12002 ss1518\"><span class=\"f charStyle-a26246ce ps12087\"> vesting<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12015 ss1676\"><div><div class=\"ps12004 ss1335\"><span class=\"f charStyle-8d4b9b37 ps12013\">Number of<span class=\"f ps2\"> </span></span></div><div class=\"ps12006 ss1335\"><span class=\"f charStyle-8d4b9b37 ps12014\">share awards <span class=\"f ps2\"> </span></span></div><div class=\"ps12002 ss1335\"><span class=\"f charStyle-8d4b9b37 ps12088\">outstanding<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12020 ss1677\"><div><div class=\"ps12002 ss1518\"><span class=\"f charStyle-8d4b9b37 ps12089\">Year of vesting<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps192 ss1678\"><div><div class=\"ps997 ss1674\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec 1 Limited Share Incentive Plan<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3467 ss1680\"><div><div class=\"ps815 ss1674\"><span class=\"f charStyle-2b0f4fe0 ps1864\">\u2013 Conditional awards<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11482 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.03pt\"></span></span><span class=\"ps12090\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11484 ss1522\"><div><div class=\"ps815 ss1518\"><span class=\"f charStyle-2b0f4fe0 ps12091\">3,4,5<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11486 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.79pt\"></span></span><span class=\"ps10388\">45\u00a0819<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11487 ss1522\"><div><div class=\"ps815 ss1518\"><span class=\"f charStyle-2b0f4fe0 ps12091\">3,4,5<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3472 ss1680\"><div><div class=\"ps815 ss1674\"><span class=\"f charStyle-2b0f4fe0 ps1864\">\u2013 Forfeitable shares<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11492 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.94pt\"></span></span><span class=\"ps12092\">130\u00a0468<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11494 ss1522\"><div><div class=\"ps815 ss1518\"><span class=\"f charStyle-2b0f4fe0 ps12091\">3,4,5<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11496 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.41pt\"></span></span><span class=\"ps4224\">5\u00a0858\u00a0445<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11497 ss1522\"><div><div class=\"ps815 ss1518\"><span class=\"f charStyle-2b0f4fe0 ps12091\">3,4,5<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3477 ss1680\"><div><div class=\"ps815 ss1674\"><span class=\"f charStyle-2b0f4fe0 ps1864\">\u2013 Nil-cost options<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11558 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.17pt\"></span></span><span class=\"ps12093\">5\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11560 ss1522\"><div><div class=\"ps815 ss1518\"><span class=\"f charStyle-2b0f4fe0 ps12094\">4,5<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11562 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.17pt\"></span></span><span class=\"ps12093\">5\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11564 ss1522\"><div><div class=\"ps815 ss1518\"><span class=\"f charStyle-2b0f4fe0 ps12094\">4,5<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1217 ss1680\"><div><div class=\"ps815 ss1674\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec plc Executive Incentive Plan 2013<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:41.25pt\"><td style=\"padding:0\"><div class=\"ps3485 ss1687\"><div><div class=\"ps8346 ss1674\"><span class=\"f charStyle-2b0f4fe0 ps1864\">\u2013 Executive conditional awards<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12039 ss1688\"><div><div class=\"ps8346 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.66pt\"></span></span><span class=\"ps12095\">2\u00a0639\u00a0147<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12040 ss1689\"><div><div class=\"ps997 ss1518\"><span class=\"f charStyle-2b0f4fe0 ps9975\">2,3.5,5 &amp; <span class=\"f ps2\"> </span></span></div><div class=\"ps2366 ss1518\"><span class=\"f charStyle-2b0f4fe0 ps9598\">2,3,4 &amp; <span class=\"f ps2\"> </span></span></div><div class=\"ps3804 ss1518\"><span class=\"f charStyle-2b0f4fe0 ps7129\">2.5,3.5,5 &amp; &amp; <span class=\"f ps2\"> </span></span></div><div class=\"ps8346 ss1518\"><span class=\"f charStyle-2b0f4fe0 ps9287\">3,4,5,6,7 <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11571 ss1688\"><div><div class=\"ps8346 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.43pt\"></span></span><span class=\"ps12096\">4\u00a0641\u00a0586<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12042 ss1689\"><div><div class=\"ps3804 ss1518\"><span class=\"f charStyle-2b0f4fe0 ps6704\">1,2,3 &amp; 3,4,5 <span class=\"f ps2\"> </span></span></div><div class=\"ps8346 ss1518\"><span class=\"f charStyle-2b0f4fe0 ps12097\">&amp; 3,4,5,6,7 <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12098 ss1680\"><div><div class=\"ps815 ss1674\"><span class=\"f charStyle-2b0f4fe0 ps1864\">\u2013 Nil-cost options<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12099 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.69pt\"></span></span><span class=\"ps11621\">10\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12100 ss1522\"><div><div class=\"ps815 ss1518\"><span class=\"f charStyle-2b0f4fe0 ps12094\">4,5<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12101 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.69pt\"></span></span><span class=\"ps11621\">10\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12102 ss1522\"><div><div class=\"ps815 ss1518\"><span class=\"f charStyle-2b0f4fe0 ps12094\">4,5<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12103 ss1680\"><div><div class=\"ps815 ss1674\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec plc Share Incentive Plan 2021<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps53 ss1680\"><div><div class=\"ps815 ss1674\"><span class=\"f charStyle-2b0f4fe0 ps1864\">\u2013 Conditional awards<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12104 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.18pt\"></span></span><span class=\"ps9489\">823\u00a0357<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12105 ss1522\"><div><div class=\"ps815 ss1518\"><span class=\"f charStyle-2b0f4fe0 ps12091\">3,4,5<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12107 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.2pt\"></span></span><span class=\"ps12106\">572\u00a0384<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12108 ss1522\"><div><div class=\"ps815 ss1518\"><span class=\"f charStyle-2b0f4fe0 ps12091\">3,4,5<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:39.75pt\"><td style=\"padding:0\"><div class=\"ps12110 ss1690\"><div><div class=\"ps12109 ss1674\"><span class=\"f charStyle-2b0f4fe0 ps1864\">\u2013 Executive conditional awards<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12112 ss1691\"><div><div class=\"ps12109 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.62pt\"></span></span><span class=\"ps12111\">4\u00a0311\u00a0813<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12115 ss1692\"><div><div class=\"ps9695 ss1518\"><span class=\"f charStyle-2b0f4fe0 ps9975\">2,3.5,5 &amp; <span class=\"f ps2\"> </span></span></div><div class=\"ps12113 ss1518\"><span class=\"f charStyle-2b0f4fe0 ps9598\">2,3,4 &amp; <span class=\"f ps2\"> </span></span></div><div class=\"ps12114 ss1518\"><span class=\"f charStyle-2b0f4fe0 ps7129\">2.5,3.5,5 &amp; &amp; <span class=\"f ps2\"> </span></span></div><div class=\"ps12109 ss1518\"><span class=\"f charStyle-2b0f4fe0 ps9287\">3,4,5,6,7 <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12117 ss1691\"><div><div class=\"ps12109 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.37pt\"></span></span><span class=\"ps12116\">2\u00a0735\u00a0383<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12118 ss1692\"><div><div class=\"ps12114 ss1518\"><span class=\"f charStyle-2b0f4fe0 ps6704\">1,2,3 &amp; 3,4,5 <span class=\"f ps2\"> </span></span></div><div class=\"ps12109 ss1518\"><span class=\"f charStyle-2b0f4fe0 ps12097\">&amp; 3,4,5,6,7 <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps349 ss1680\"><div><div class=\"ps815 ss1674\"><span class=\"f charStyle-2b0f4fe0 ps1864\">\u2013 Forfeitable shares<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12120 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.27pt\"></span></span><span class=\"ps12119\">11\u00a0537\u00a0393<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12121 ss1522\"><div><div class=\"ps815 ss1518\"><span class=\"f charStyle-2b0f4fe0 ps12091\">3,4,5<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12123 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.3pt\"></span></span><span class=\"ps12122\">9\u00a0888\u00a0495<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12124 ss1522\"><div><div class=\"ps815 ss1518\"><span class=\"f charStyle-2b0f4fe0 ps12091\">3,4,5<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps8656 ss1680\"><div><div class=\"ps815 ss1674\"><span class=\"f charStyle-b7f6e8e5 ps7\">Outstanding at the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12126 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5 ps12125\">19\u00a0457\u00a0178<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12127 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.13pt\"></span></span><span class=\"ps12036\">23\u00a0757\u00a0112<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps12129 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">On 15 October 2025, the UK regulators confirmed changes to their remuneration rules, which impacted the seven-year deferral </span></div><div class=\"ps12130 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">periods applied to Executive Conditional awards made to certain material risk takers. </span></div><div class=\"ps12131 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">As a result of these changes the vesting periods on the underlying awards were shortened.</span></div><div class=\"ps72 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:258.75pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:52.5pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:52.5pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"6\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps11852 ss1672\"><div><div class=\"ps809 ss45\"><span class=\"f charStyle-a26246ce ps11999\">UK schemes<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11441 ss1673\"><div><div class=\"ps809 ss1356\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps12000\">2026</span></div></div></div></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11449 ss1673\"><div><div class=\"ps809 ss1356\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps12001\">2025</span></div></div></div></td></tr><tr style=\"height:44.25pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps817 ss1675\"><div><div class=\"ps12002 ss1674\"><span class=\"f charStyle-a26246ce ps7\">Summary by share plan<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11857 ss1676\"><div><div class=\"ps12004 ss1335\"><span class=\"f charStyle-a26246ce ps12005\">Number of<span class=\"f ps2\"> </span></span></div><div class=\"ps12006 ss1335\"><span class=\"f charStyle-a26246ce ps12007\">share awards <span class=\"f ps2\"> </span></span></div><div class=\"ps12002 ss1335\"><span class=\"f charStyle-a26246ce ps11455\">outstanding<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12012 ss1677\"><div><div class=\"ps12004 ss1518\"><span class=\"f charStyle-a26246ce ps12132\">Maximum <span class=\"f ps2\"> </span></span></div><div class=\"ps12006 ss1518\"><span class=\"f charStyle-a26246ce ps12133\">award limit per </span></div><div class=\"ps12002 ss1518\"><span class=\"f charStyle-a26246ce ps12134\">individual<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12015 ss1676\"><div><div class=\"ps12006 ss1335\"><span class=\"f charStyle-8d4b9b37 ps12013\">Number of<span class=\"f ps2\"> </span></span></div><div class=\"ps12002 ss1335\"><span class=\"f charStyle-8d4b9b37 ps12014\">share awards<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12020 ss1677\"><div><div class=\"ps12004 ss1518\"><span class=\"f charStyle-8d4b9b37 ps12135\">Maximum <span class=\"f ps2\"> </span></span></div><div class=\"ps12006 ss1518\"><span class=\"f charStyle-8d4b9b37 ps12136\">award limit per </span></div><div class=\"ps12002 ss1518\"><span class=\"f charStyle-8d4b9b37 ps12137\">individual<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps192 ss1678\"><div><div class=\"ps997 ss1674\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec 1 Limited Share Incentive Plan<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps12022 ss1339\"><div><div class=\"ps997 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.08pt\"></span></span><span class=\"ps11485\">135\u00a0468<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps12024 ss1679\"><div><div class=\"ps997 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.79pt\"></span></span><span class=\"ps12138\">10\u00a0000\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps12026 ss1339\"><div><div class=\"ps997 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.3pt\"></span></span><span class=\"ps12122\">5\u00a0909\u00a0264<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps12027 ss1679\"><div><div class=\"ps997 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.79pt\"></span></span><span class=\"ps12138\">10\u00a0000\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3467 ss1680\"><div><div class=\"ps815 ss1674\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec plc Executive Incentive Plan 2013<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11482 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.68pt\"></span></span><span class=\"ps9957\">2\u00a0649\u00a0147<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11484 ss1522\"><div><div class=\"ps815 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.3pt\"></span></span><span class=\"ps4127\">2\u00a0500\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11486 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.66pt\"></span></span><span class=\"ps12095\">4\u00a0651\u00a0586<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11487 ss1522\"><div><div class=\"ps815 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.3pt\"></span></span><span class=\"ps4127\">2\u00a0500\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3472 ss1680\"><div><div class=\"ps815 ss1674\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec plc Share Incentive Plan 2021<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11492 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.32pt\"></span></span><span class=\"ps12139\">16\u00a0672\u00a0563<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11494 ss1522\"><div><div class=\"ps815 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.93pt\"></span></span><span class=\"ps9718\">15\u00a0000\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11496 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.09pt\"></span></span><span class=\"ps12140\">13\u00a0196\u00a0262<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11497 ss1522\"><div><div class=\"ps815 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.93pt\"></span></span><span class=\"ps9718\">15\u00a0000\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3477 ss1680\"><div><div class=\"ps815 ss1674\"><span class=\"f charStyle-b7f6e8e5 ps7\">Outstanding at the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11558 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5 ps12125\">19\u00a0457\u00a0178<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11562 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.13pt\"></span></span><span class=\"ps12036\">23\u00a0757\u00a0112<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps12173 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:342.75pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss1681\"><div><div class=\"ps809 ss1064\"><span class=\"f charStyle-a26246ce ps7\">Vesting period of outstanding options by financial year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12055 ss1683\"><div><div class=\"ps809 ss1682\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps12054\">2026</span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12057 ss1683\"><div><div class=\"ps809 ss1682\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps12056\">2025</span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1681\"><div><div class=\"ps815 ss1064\"><span class=\"f charStyle-2b0f4fe0 ps7\">Year to 31 March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps12142 ss1683\"><div><div class=\"ps815 ss1682\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:52.53pt\"></span></span><span class=\"ps12141\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps12144 ss1683\"><div><div class=\"ps815 ss1682\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.65pt\"></span></span><span class=\"ps12143\">807\u00a0309<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps817 ss1681\"><div><div class=\"ps815 ss1064\"><span class=\"f charStyle-2b0f4fe0 ps7\">Year to 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12059 ss1683\"><div><div class=\"ps815 ss1682\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.44pt\"></span></span><span class=\"ps12145\">938\u00a0831<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12061 ss1683\"><div><div class=\"ps815 ss1682\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.88pt\"></span></span><span class=\"ps12146\">8\u00a0983\u00a0351<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps824 ss1681\"><div><div class=\"ps815 ss1064\"><span class=\"f charStyle-2b0f4fe0 ps7\">Year to 31 March 2027<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12063 ss1683\"><div><div class=\"ps815 ss1682\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.07pt\"></span></span><span class=\"ps12147\">4\u00a0926\u00a0976<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12065 ss1683\"><div><div class=\"ps815 ss1682\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.1pt\"></span></span><span class=\"ps11840\">5\u00a0191\u00a0751<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps830 ss1681\"><div><div class=\"ps815 ss1064\"><span class=\"f charStyle-2b0f4fe0 ps7\">Year to 31 March 2028<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12067 ss1683\"><div><div class=\"ps815 ss1682\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.02pt\"></span></span><span class=\"ps12148\">4\u00a0840\u00a0527<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12069 ss1683\"><div><div class=\"ps815 ss1682\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.15pt\"></span></span><span class=\"ps12149\">4\u00a0973\u00a0168<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps837 ss1693\"><div><div class=\"ps2754 ss1064\"><span class=\"f charStyle-2b0f4fe0 ps7\">Year to 31 March 2029<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12151 ss1694\"><div><div class=\"ps2754 ss1682\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.18pt\"></span></span><span class=\"ps12150\">4\u00a0626\u00a0765<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12153 ss1694\"><div><div class=\"ps2754 ss1682\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.1pt\"></span></span><span class=\"ps12152\">3\u00a0074\u00a0783<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4084 ss1681\"><div><div class=\"ps815 ss1064\"><span class=\"f charStyle-2b0f4fe0 ps7\">Year to 31 March 2030<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12154 ss1683\"><div><div class=\"ps815 ss1682\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.73pt\"></span></span><span class=\"ps9546\">3\u00a0197\u00a0515<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12156 ss1683\"><div><div class=\"ps815 ss1682\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.82pt\"></span></span><span class=\"ps12155\">407\u00a0529<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4676 ss1681\"><div><div class=\"ps815 ss1064\"><span class=\"f charStyle-2b0f4fe0 ps7\">Year to 31 March 2031<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12158 ss1683\"><div><div class=\"ps815 ss1682\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.49pt\"></span></span><span class=\"ps12157\">654\u00a0682<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12160 ss1683\"><div><div class=\"ps815 ss1682\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.97pt\"></span></span><span class=\"ps12159\">224\u00a0179<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3327 ss1681\"><div><div class=\"ps815 ss1064\"><span class=\"f charStyle-2b0f4fe0 ps7\">Year to 31 March 2032<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12162 ss1683\"><div><div class=\"ps815 ss1682\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.83pt\"></span></span><span class=\"ps12161\">162\u00a0316<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12164 ss1683\"><div><div class=\"ps815 ss1682\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.04pt\"></span></span><span class=\"ps12163\">95\u00a0042<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps7432 ss1681\"><div><div class=\"ps815 ss1064\"><span class=\"f charStyle-2b0f4fe0 ps7\">Year to 31 March 2033<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12166 ss1683\"><div><div class=\"ps815 ss1682\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.82pt\"></span></span><span class=\"ps12165\">109\u00a0566<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12167 ss1683\"><div><div class=\"ps815 ss1682\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:52.53pt\"></span></span><span class=\"ps12141\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12168 ss1681\"><div><div class=\"ps815 ss1064\"><span class=\"f charStyle-b7f6e8e5 ps7\">Outstanding at the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12170 ss1683\"><div><div class=\"ps815 ss1682\"><span class=\"f charStyle-b7f6e8e5 ps12169\">19\u00a0457\u00a0178<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12172 ss1683\"><div><div class=\"ps815 ss1682\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.63pt\"></span></span><span class=\"ps12171\">23\u00a0757\u00a0112<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSharebasedPaymentArrangementsExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-908": {
   "value": "Investec plc",
   "dimensions": {
    "concept": "ifrs-full:NameOfParentEntity",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-909": {
   "value": "Investec plc",
   "dimensions": {
    "concept": "ifrs-full:NameOfReportingEntityOrOtherMeansOfIdentification",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-910": {
   "value": "Investec plc",
   "dimensions": {
    "concept": "ifrs-full:NameOfUltimateParentOfGroup",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-911": {
   "value": "plc",
   "dimensions": {
    "concept": "ifrs-full:LegalFormOfEntity",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-913": {
   "value": "<div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_250\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">9<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11789\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11791\">Taxation<span class=\"f ps2\"> </span></span></div><div class=\"ps72 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss1695\"><div><div class=\"ps1404 ss651\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss651\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1520\"><div><div class=\"ps1400 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1520\"><div><div class=\"ps1400 ss114\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps9195\">2025</span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps429 ss1651\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Income statement taxation charge<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3449 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Current taxation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3453 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">UK<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3458 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Current taxation on income for the year <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9668 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.35pt\"></span></span><span class=\"ps11516\">55\u00a0003<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps8575 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.88pt\"></span></span><span class=\"ps12175\">68\u00a0377<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3463 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Adjustments in respect of prior years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9671 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.71pt\"></span></span><span class=\"ps12176\">(39\u00a0461)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps8581 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.57pt\"></span></span><span class=\"ps12177\">2\u00a0077<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps3467 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Corporation tax before double tax relief<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps9674 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.95pt\"></span></span><span class=\"ps12178\">15\u00a0542<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps8583 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.47pt\"></span></span><span class=\"ps12179\">70\u00a0454<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3472 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Double tax relief<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps9676 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps8590 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.83pt\"></span></span><span class=\"ps12180\">(402)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9678 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.95pt\"></span></span><span class=\"ps12178\">15\u00a0542<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps8597 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.75pt\"></span></span><span class=\"ps2239\">70\u00a0052<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1217 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Europe<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9681 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.13pt\"></span></span><span class=\"ps12181\">9\u00a0961<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps8605 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.77pt\"></span></span><span class=\"ps11291\">8\u00a0249<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3485 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Australia<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9683 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.54pt\"></span></span><span class=\"ps12182\">690<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps8612 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.77pt\"></span></span><span class=\"ps12183\">106<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3334 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-9458d4de ps7\">Other</span><span class=\"f charStyle-70e7a25b ps12184\"><span class=\"f ps2\"> </span><sup>*</sup></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps9684 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.8pt\"></span></span><span class=\"ps12185\">749<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps8619 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.55pt\"></span></span><span class=\"ps961\">458<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9688 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.34pt\"></span></span><span class=\"ps12186\">11\u00a0400<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps8626 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.57pt\"></span></span><span class=\"ps12187\">8\u00a0813<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps4482 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total current taxation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps9691 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.66pt\"></span></span><span class=\"ps12188\">26\u00a0942<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps8632 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.94pt\"></span></span><span class=\"ps12092\">78\u00a0865<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9692 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Deferred taxation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8640 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">UK<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9696 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.41pt\"></span></span><span class=\"ps9239\">46\u00a0201<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps8643 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.5pt\"></span></span><span class=\"ps12189\">(5\u00a0056)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12190 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Europe<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12192 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.24pt\"></span></span><span class=\"ps12191\">85<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12193 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.14pt\"></span></span><span class=\"ps4270\">92<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12194 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12196 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.26pt\"></span></span><span class=\"ps12195\">111<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12197 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.26pt\"></span></span><span class=\"ps8375\">157<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps12198 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total deferred taxation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps12199 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.7pt\"></span></span><span class=\"ps11909\">46\u00a0397<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps12201 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.37pt\"></span></span><span class=\"ps12200\">(4\u00a0807)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps12202 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total taxation charge for the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps12204 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.85pt\"></span></span><span class=\"ps12203\">73\u00a0339<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps12206 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.6pt\"></span></span><span class=\"ps12205\">74\u00a0058<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11381 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total taxation charge for the year comprises:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11391 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Taxation on operating profit before acquired intangibles and strategic actions<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11396 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.54pt\"></span></span><span class=\"ps9697\">74\u00a0868<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11397 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.39pt\"></span></span><span class=\"ps8437\">73\u00a0863<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12207 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Taxation on acquired intangibles and strategic actions<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12209 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.65pt\"></span></span><span class=\"ps12208\">(1\u00a0529)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12210 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.91pt\"></span></span><span class=\"ps11871\">195<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps12211 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.85pt\"></span></span><span class=\"ps12203\">73\u00a0339<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps12212 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.6pt\"></span></span><span class=\"ps12205\">74\u00a0058<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12213 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Deferred taxation comprises:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12214 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Origination and reversal of temporary differences<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12216 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.51pt\"></span></span><span class=\"ps12215\">4\u00a0843<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12217 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.3pt\"></span></span><span class=\"ps4233\">(2\u00a0268)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12218 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Changes in taxation rates<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12219 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.89pt\"></span></span><span class=\"ps822\">(15)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12220 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.45pt\"></span></span><span class=\"ps11927\">462<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps65 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Adjustment in respect of prior years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12221 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.55pt\"></span></span><span class=\"ps11206\">41\u00a0569<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12223 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.34pt\"></span></span><span class=\"ps12222\">(3\u00a0001)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps12224 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.7pt\"></span></span><span class=\"ps11909\">46\u00a0397<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps12225 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.37pt\"></span></span><span class=\"ps12200\">(4\u00a0807)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12226 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">The deferred taxation credit in the income statement arose from:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12227 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deferred capital allowances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12228 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.31pt\"></span></span><span class=\"ps9242\">42\u00a0455<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12230 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.17pt\"></span></span><span class=\"ps12229\">(10\u00a0621)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12231 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Income and expenditure accruals<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12233 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.55pt\"></span></span><span class=\"ps12232\">(557)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12234 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.55pt\"></span></span><span class=\"ps961\">889<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12235 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Asset in respect of unexpired options<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12236 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.47pt\"></span></span><span class=\"ps9984\">4\u00a0330<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12237 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.96pt\"></span></span><span class=\"ps10225\">4\u00a0073<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12238 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Unrealised fair value adjustment on financial instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12240 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36pt\"></span></span><span class=\"ps12239\">101<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12241 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.4pt\"></span></span><span class=\"ps11797\">203<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9897 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Movement in deferred tax assets related to assessed losses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12243 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.13pt\"></span></span><span class=\"ps12242\">68<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12244 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.45pt\"></span></span><span class=\"ps11927\">649<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12245 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Liability/(asset) in respect of pension surplus<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12246 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12247 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deferred tax on acquired intangibles<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12248 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12249 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12250 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.7pt\"></span></span><span class=\"ps11909\">46\u00a0397<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12251 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.37pt\"></span></span><span class=\"ps12200\">(4\u00a0807)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps12252 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Where Other largely includes India and North America.</span></span></div></div><div class=\"ps72 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss1665\"><div><div class=\"ps11991 ss651\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1528\"><div><div class=\"ps4787 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1528\"><div><div class=\"ps4787 ss114\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps9195\">2025</span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3419 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps471 ss1651\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">The rates of corporation tax for the relevant years are:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps12256 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-b7f6e8e5 ps12255\">%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps2481 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-2b0f4fe0 ps12257\">%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11452 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">UK<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12258 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.25pt\"></span></span><span class=\"ps11956\">25<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12259 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.25pt\"></span></span><span class=\"ps11956\">25<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1202 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Europe (average)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12261 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.48pt\"></span></span><span class=\"ps12260\">15<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12263 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.34pt\"></span></span><span class=\"ps12262\">10<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4468 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Australia<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11297 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.97pt\"></span></span><span class=\"ps12264\">30<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11298 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.97pt\"></span></span><span class=\"ps12264\">30<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps4084 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Profit before taxation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps12265 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.04pt\"></span></span><span class=\"ps9293\">413\u00a0937<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps12266 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.4pt\"></span></span><span class=\"ps9295\">405\u00a0823<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps4676 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Taxation on profit before taxation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps11819 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.85pt\"></span></span><span class=\"ps12203\">73\u00a0339<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11821 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.6pt\"></span></span><span class=\"ps12205\">74\u00a0058<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps3327 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Effective tax rate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps12267 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5 ps9546\">17.7%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps12269 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5 ps12268\">18.2%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps7432 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">The taxation charge on activities for the year is different from the standard rate as detailed below:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1217 ss652\"><div><div class=\"ps12276 ss651\" style=\"font-size:12pt\"><span class=\"f charStyle-9458d4de ps7\">Taxation on profit on ordinary activities before taxation at UK rate o</span><span class=\"f charStyle-47b44946 ps12270\"><span style=\"background-color:inherit\">f </span><span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps12271\">25%<span class=\"f ps2\"> </span></span><span class=\"f charStyle-9a9691b1 ps12272\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps12273\">(<span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps12274\">2025<span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps12275\">: 25%)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9681 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.57pt\"></span></span><span class=\"ps9475\">103\u00a0484<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps8605 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.06pt\"></span></span><span class=\"ps12277\">101\u00a0454<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3485 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Taxation adjustments relating to foreign earnings*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9683 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.26pt\"></span></span><span class=\"ps9487\">(8\u00a0853)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps8612 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.28pt\"></span></span><span class=\"ps12278\">(6\u00a0635)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3334 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Taxation relating to prior years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9684 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.09pt\"></span></span><span class=\"ps12279\">2\u00a0108<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps8619 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.86pt\"></span></span><span class=\"ps11881\">(924)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9686 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Non-operating items<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9688 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.27pt\"></span></span><span class=\"ps12280\">10\u00a0634<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps8626 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.64pt\"></span></span><span class=\"ps12281\">13\u00a0748<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4482 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Share options accounting expense/(income)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9691 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.84pt\"></span></span><span class=\"ps12282\">(392)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps8632 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.22pt\"></span></span><span class=\"ps12283\">2\u00a0207<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9692 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Non-taxable income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9693 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.35pt\"></span></span><span class=\"ps9453\">(34\u00a0842)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps8638 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.43pt\"></span></span><span class=\"ps12284\">(21\u00a0572)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8640 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Net other permanent differences<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9696 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.08pt\"></span></span><span class=\"ps8382\">3\u00a0670<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps8643 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.51pt\"></span></span><span class=\"ps12285\">(7\u00a0839)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12190 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Bank surcharge<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12192 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.76pt\"></span></span><span class=\"ps12286\">2\u00a0623<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12193 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.97pt\"></span></span><span class=\"ps12287\">3\u00a0558<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12194 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Capital gains \u2013 non-taxable/covered by losses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12196 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.63pt\"></span></span><span class=\"ps12288\">(3\u00a0759)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12197 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.41pt\"></span></span><span class=\"ps11873\">(6\u00a0481)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12198 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Movement in unrecognised trading losses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12199 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.63pt\"></span></span><span class=\"ps12289\">(1\u00a0319)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12201 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.14pt\"></span></span><span class=\"ps11641\">(3\u00a0920)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12202 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Change in tax rate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12204 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.89pt\"></span></span><span class=\"ps822\">(15)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12206 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.45pt\"></span></span><span class=\"ps11927\">462<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11381 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total taxation charge as per income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps11389 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.85pt\"></span></span><span class=\"ps12203\">73\u00a0339<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11390 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.6pt\"></span></span><span class=\"ps12205\">74\u00a0058<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps11391 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Other comprehensive income taxation effects<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12290 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Gains on realisation of debt instruments at FVOCI recycled through the income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12292 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.71pt\"></span></span><span class=\"ps12291\">2\u00a0171<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12293 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.21pt\"></span></span><span class=\"ps8664\">(166)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps1634 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Pre-taxation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12294 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.08pt\"></span></span><span class=\"ps8382\">3\u00a0079<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps12295 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.81pt\"></span></span><span class=\"ps9936\">(230)</span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps12296 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Taxation effect<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps12298 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.94pt\"></span></span><span class=\"ps12297\">(908)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12300 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.02pt\"></span></span><span class=\"ps12299\">64<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps11254 ss1696\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fair value movements on debt and equity instruments at FVOCI taken directly to other comprehensive <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12301 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.85pt\"></span></span><span class=\"ps8480\">77\u00a0083<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12303 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.92pt\"></span></span><span class=\"ps12302\">(30\u00a0679)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps12304 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Pre-taxation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12305 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.68pt\"></span></span><span class=\"ps4225\">76\u00a0962<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps12306 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.34pt\"></span></span><span class=\"ps9496\">(33\u00a0264)</span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9866 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Taxation effect<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps12307 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.03pt\"></span></span><span class=\"ps11655\">121<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12309 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.11pt\"></span></span><span class=\"ps12308\">2\u00a0585<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12310 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cash flow hedges reserves<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12311 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.39pt\"></span></span><span class=\"ps11549\">(8\u00a0931)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12312 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.31pt\"></span></span><span class=\"ps9242\">(11\u00a0259)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps12313 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Pre-taxation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12314 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.7pt\"></span></span><span class=\"ps11909\">(12\u00a0404)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps12316 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.29pt\"></span></span><span class=\"ps12315\">(15\u00a0637)</span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps12317 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Taxation effect<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps12319 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.85pt\"></span></span><span class=\"ps12318\">3\u00a0473<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12320 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.98pt\"></span></span><span class=\"ps11448\">4\u00a0378<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps1107 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Statement of changes in equity taxation effects<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12321 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Additional Tier 1 capital<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12322 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.03pt\"></span></span><span class=\"ps9420\">(36\u00a0750)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12323 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.91pt\"></span></span><span class=\"ps9278\">(38\u00a0357)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps12324 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Pre-taxation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12325 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.03pt\"></span></span><span class=\"ps9420\">(36\u00a0750)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps12326 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.91pt\"></span></span><span class=\"ps9278\">(38\u00a0357)</span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps12327 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Taxation effect<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps12328 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12329 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12330 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Share-based payment adjustment<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12331 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.01pt\"></span></span><span class=\"ps9510\">6\u00a0956<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12333 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.2pt\"></span></span><span class=\"ps12332\">(559)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps12334 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Pre-taxation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12335 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps12336 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps12337 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Taxation effect<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps12338 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.01pt\"></span></span><span class=\"ps9510\">6\u00a0956<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12339 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.2pt\"></span></span><span class=\"ps12332\">(559)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps12340 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps23\">* Includes Pillar 2 top-up tax of \u00a33.5 million (2025: \u00a34.5 million)</span></div><div class=\"ps12342 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Global Minimum Tax<span class=\"f ps2\"> </span></span></div><div class=\"ps12343 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Pillar Two legislation has been enacted in certain jurisdictions the Group operates. The Group is in scope of the enacted legislation </span></div><div class=\"ps12344 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and has performed an assessment of the Group\u2019s potential exposure to Pillar Two income taxes. </span></div><div class=\"ps12345 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The assessment of the potential exposure to Pillar Two income taxes is based on the most recent tax filings, country-by-country </span></div><div class=\"ps12346 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reporting and financial statements for the constituent entities in the Group. Based on the assessment, the Pillar Two effective tax </span></div><div class=\"ps12347 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">rates in most of the jurisdictions in which the Group operates are above 15%. However, there are a limited number of jurisdictions </span></div><div class=\"ps12348 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">(Guernsey, Jersey and Isle of Man) where the transitional safe harbour relief does not apply and the Pillar Two effective tax rate is </span></div><div class=\"ps12352 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">below 15%. The tax charge of the Group includes </span><span class=\"f charStyle-33e1c6d6 ps12349\">\u00a33.5 million (</span><span class=\"f charStyle-33e1c6d6 ps12350\">2025</span><span class=\"f charStyle-33e1c6d6 ps12351\">: \u00a34.5 million) of Pillar Two income taxes relating to these </span></div><div class=\"ps12353 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">jurisdictions.</span></div><div class=\"ps12354 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group has applied a temporary mandatory relief from deferred tax accounting for the impacts of the top-up tax and accounts </span></div><div class=\"ps12355 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">for it as a current tax when it is incurred.</span></div><div class=\"ps12356 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">We will continue to review the impact of the Pillar Two rules as further guidance is released by the OECD and additional </span></div><div class=\"ps12357 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">governments implement this tax regime.</span></div><div class=\"ps12358 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\"> </span></div><div class=\"ps24 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:14.61pt\">26<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15151\" style=\"width:5.86pt\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15152\" style=\"width:97.06pt\">Deferred taxation<span class=\"f ps2\"> </span></span></div><div class=\"ps11275 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-8d4b9b37 ps9195\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss1651\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deferred taxation assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps12462 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.26pt\"></span></span><span class=\"ps9487\">72\u00a0671<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps12463 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.18pt\"></span></span><span class=\"ps9489\">120\u00a0918<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps824 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net deferred taxation assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps2818 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.82pt\"></span></span><span class=\"ps12712\">72\u00a0671<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps2819 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.96pt\"></span></span><span class=\"ps15153\">120\u00a0918<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps830 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">The net deferred taxation assets arise from:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deferred capital allowances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2823 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.71pt\"></span></span><span class=\"ps11236\">30\u00a0107<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2825 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.79pt\"></span></span><span class=\"ps15154\">72\u00a0665<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps843 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Income and expenditure accruals<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2827 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.45pt\"></span></span><span class=\"ps11927\">694<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2829 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.65pt\"></span></span><span class=\"ps15155\">138<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps849 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Asset in respect of unexpired options<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2830 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.43pt\"></span></span><span class=\"ps12937\">29\u00a0598<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2831 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.37pt\"></span></span><span class=\"ps12200\">33\u00a0072<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps853 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Unrealised fair value adjustments on financial instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11957 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.86pt\"></span></span><span class=\"ps15156\">10\u00a0581<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11894 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.29pt\"></span></span><span class=\"ps9228\">13\u00a0284<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps858 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Losses carried forward<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11961 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.99pt\"></span></span><span class=\"ps9376\">1\u00a0329<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11900 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.34pt\"></span></span><span class=\"ps15157\">1\u00a0397<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps863 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Asset in respect of pension deficit<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11963 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.43pt\"></span></span><span class=\"ps12409\">362<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11964 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.43pt\"></span></span><span class=\"ps12409\">362<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps368 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net deferred taxation assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps11965 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.82pt\"></span></span><span class=\"ps12712\">72\u00a0671<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11966 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.96pt\"></span></span><span class=\"ps15153\">120\u00a0918<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14559 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Reconciliation of net deferred taxation assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps871 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">At the beginning of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15158 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.96pt\"></span></span><span class=\"ps15153\">120\u00a0918<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14992 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.23pt\"></span></span><span class=\"ps10375\">119\u00a0730<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps872 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Release to income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15159 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.83pt\"></span></span><span class=\"ps9470\">(46\u00a0397)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14993 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.09pt\"></span></span><span class=\"ps15160\">4\u00a0807<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps879 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Movement directly in other comprehensive income and equity<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15161 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.77pt\"></span></span><span class=\"ps13767\">(1\u00a0746)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14994 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.39pt\"></span></span><span class=\"ps15162\">(3\u00a0552)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps886 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Exchange adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15163 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.06pt\"></span></span><span class=\"ps14514\">(104)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15164 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.9pt\"></span></span><span class=\"ps12376\">(67)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps893 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">At the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15165 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.82pt\"></span></span><span class=\"ps12712\">72\u00a0671<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14996 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.96pt\"></span></span><span class=\"ps15153\">120\u00a0918<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps15167 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Deferred tax assets are recognised to the extent it is likely that profits will arise in future periods. The assessment of the likelihood <span class=\"f ps2\"> </span></span></div><div class=\"ps15168 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of future profits is based on past performance and current projections. Deferred taxation assets are not recognised in respect of <span class=\"f ps2\"> </span></span></div><div class=\"ps15169 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">capital losses and excess management expenses as crystallisation of capital gains and the eligibility of potential losses is uncertain. <span class=\"f ps2\"> </span></span></div><div class=\"ps15172 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">There are trading losses carried forward of \u00a382.7 million (<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps15170\">2025<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps15171\">: \u00a382.7 million), capital losses carried forward of \u00a3200.6 million </span></div><div class=\"ps15176 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">(</span><span class=\"f charStyle-33e1c6d6 ps12384\">2025</span><span class=\"f charStyle-33e1c6d6 ps15173\">: \u00a3186.3 million) and excess management expenses of \u00a32.5 million (<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps15174\">2025</span><span class=\"f charStyle-33e1c6d6 ps15175\">: \u00a32.5 million) on which deferred tax assets have not </span></div><div class=\"ps15177 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">been recognised due to uncertainty regarding future profits against which these losses can be utilised. Of the \u00a382.7 million trading </span></div><div class=\"ps15178 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">losses, \u00a3NIL will expire in the next four years (2025: \u00a31 million).</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDeferredTaxesExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-912": {
   "value": "<div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_250\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">9<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11789\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11791\">Taxation<span class=\"f ps2\"> </span></span></div><div class=\"ps72 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss1695\"><div><div class=\"ps1404 ss651\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss651\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1520\"><div><div class=\"ps1400 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1520\"><div><div class=\"ps1400 ss114\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps9195\">2025</span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps429 ss1651\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Income statement taxation charge<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3449 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Current taxation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3453 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">UK<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3458 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Current taxation on income for the year <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9668 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.35pt\"></span></span><span class=\"ps11516\">55\u00a0003<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps8575 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.88pt\"></span></span><span class=\"ps12175\">68\u00a0377<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3463 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Adjustments in respect of prior years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9671 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.71pt\"></span></span><span class=\"ps12176\">(39\u00a0461)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps8581 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.57pt\"></span></span><span class=\"ps12177\">2\u00a0077<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps3467 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Corporation tax before double tax relief<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps9674 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.95pt\"></span></span><span class=\"ps12178\">15\u00a0542<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps8583 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.47pt\"></span></span><span class=\"ps12179\">70\u00a0454<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3472 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Double tax relief<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps9676 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps8590 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.83pt\"></span></span><span class=\"ps12180\">(402)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9678 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.95pt\"></span></span><span class=\"ps12178\">15\u00a0542<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps8597 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.75pt\"></span></span><span class=\"ps2239\">70\u00a0052<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1217 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Europe<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9681 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.13pt\"></span></span><span class=\"ps12181\">9\u00a0961<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps8605 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.77pt\"></span></span><span class=\"ps11291\">8\u00a0249<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3485 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Australia<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9683 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.54pt\"></span></span><span class=\"ps12182\">690<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps8612 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.77pt\"></span></span><span class=\"ps12183\">106<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3334 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-9458d4de ps7\">Other</span><span class=\"f charStyle-70e7a25b ps12184\"><span class=\"f ps2\"> </span><sup>*</sup></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps9684 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.8pt\"></span></span><span class=\"ps12185\">749<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps8619 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.55pt\"></span></span><span class=\"ps961\">458<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9688 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.34pt\"></span></span><span class=\"ps12186\">11\u00a0400<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps8626 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.57pt\"></span></span><span class=\"ps12187\">8\u00a0813<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps4482 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total current taxation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps9691 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.66pt\"></span></span><span class=\"ps12188\">26\u00a0942<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps8632 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.94pt\"></span></span><span class=\"ps12092\">78\u00a0865<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9692 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Deferred taxation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8640 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">UK<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9696 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.41pt\"></span></span><span class=\"ps9239\">46\u00a0201<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps8643 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.5pt\"></span></span><span class=\"ps12189\">(5\u00a0056)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12190 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Europe<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12192 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.24pt\"></span></span><span class=\"ps12191\">85<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12193 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.14pt\"></span></span><span class=\"ps4270\">92<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12194 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12196 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.26pt\"></span></span><span class=\"ps12195\">111<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12197 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.26pt\"></span></span><span class=\"ps8375\">157<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps12198 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total deferred taxation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps12199 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.7pt\"></span></span><span class=\"ps11909\">46\u00a0397<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps12201 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.37pt\"></span></span><span class=\"ps12200\">(4\u00a0807)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps12202 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total taxation charge for the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps12204 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.85pt\"></span></span><span class=\"ps12203\">73\u00a0339<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps12206 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.6pt\"></span></span><span class=\"ps12205\">74\u00a0058<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11381 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total taxation charge for the year comprises:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11391 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Taxation on operating profit before acquired intangibles and strategic actions<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11396 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.54pt\"></span></span><span class=\"ps9697\">74\u00a0868<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11397 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.39pt\"></span></span><span class=\"ps8437\">73\u00a0863<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12207 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Taxation on acquired intangibles and strategic actions<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12209 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.65pt\"></span></span><span class=\"ps12208\">(1\u00a0529)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12210 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.91pt\"></span></span><span class=\"ps11871\">195<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps12211 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.85pt\"></span></span><span class=\"ps12203\">73\u00a0339<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps12212 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.6pt\"></span></span><span class=\"ps12205\">74\u00a0058<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12213 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Deferred taxation comprises:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12214 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Origination and reversal of temporary differences<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12216 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.51pt\"></span></span><span class=\"ps12215\">4\u00a0843<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12217 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.3pt\"></span></span><span class=\"ps4233\">(2\u00a0268)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12218 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Changes in taxation rates<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12219 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.89pt\"></span></span><span class=\"ps822\">(15)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12220 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.45pt\"></span></span><span class=\"ps11927\">462<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps65 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Adjustment in respect of prior years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12221 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.55pt\"></span></span><span class=\"ps11206\">41\u00a0569<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12223 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.34pt\"></span></span><span class=\"ps12222\">(3\u00a0001)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps12224 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.7pt\"></span></span><span class=\"ps11909\">46\u00a0397<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps12225 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.37pt\"></span></span><span class=\"ps12200\">(4\u00a0807)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12226 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">The deferred taxation credit in the income statement arose from:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12227 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deferred capital allowances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12228 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.31pt\"></span></span><span class=\"ps9242\">42\u00a0455<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12230 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.17pt\"></span></span><span class=\"ps12229\">(10\u00a0621)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12231 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Income and expenditure accruals<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12233 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.55pt\"></span></span><span class=\"ps12232\">(557)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12234 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.55pt\"></span></span><span class=\"ps961\">889<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12235 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Asset in respect of unexpired options<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12236 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.47pt\"></span></span><span class=\"ps9984\">4\u00a0330<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12237 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.96pt\"></span></span><span class=\"ps10225\">4\u00a0073<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12238 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Unrealised fair value adjustment on financial instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12240 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36pt\"></span></span><span class=\"ps12239\">101<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12241 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.4pt\"></span></span><span class=\"ps11797\">203<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9897 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Movement in deferred tax assets related to assessed losses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12243 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.13pt\"></span></span><span class=\"ps12242\">68<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12244 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.45pt\"></span></span><span class=\"ps11927\">649<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12245 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Liability/(asset) in respect of pension surplus<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12246 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12247 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deferred tax on acquired intangibles<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12248 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12249 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12250 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.7pt\"></span></span><span class=\"ps11909\">46\u00a0397<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12251 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.37pt\"></span></span><span class=\"ps12200\">(4\u00a0807)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps12252 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Where Other largely includes India and North America.</span></span></div></div><div class=\"ps72 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss1665\"><div><div class=\"ps11991 ss651\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1528\"><div><div class=\"ps4787 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1528\"><div><div class=\"ps4787 ss114\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps9195\">2025</span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3419 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps471 ss1651\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">The rates of corporation tax for the relevant years are:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps12256 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-b7f6e8e5 ps12255\">%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps2481 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-2b0f4fe0 ps12257\">%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11452 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">UK<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12258 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.25pt\"></span></span><span class=\"ps11956\">25<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12259 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.25pt\"></span></span><span class=\"ps11956\">25<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1202 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Europe (average)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12261 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.48pt\"></span></span><span class=\"ps12260\">15<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12263 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.34pt\"></span></span><span class=\"ps12262\">10<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4468 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Australia<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11297 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.97pt\"></span></span><span class=\"ps12264\">30<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11298 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.97pt\"></span></span><span class=\"ps12264\">30<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps4084 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Profit before taxation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps12265 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.04pt\"></span></span><span class=\"ps9293\">413\u00a0937<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps12266 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.4pt\"></span></span><span class=\"ps9295\">405\u00a0823<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps4676 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Taxation on profit before taxation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps11819 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.85pt\"></span></span><span class=\"ps12203\">73\u00a0339<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11821 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.6pt\"></span></span><span class=\"ps12205\">74\u00a0058<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps3327 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Effective tax rate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps12267 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5 ps9546\">17.7%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps12269 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5 ps12268\">18.2%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps7432 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">The taxation charge on activities for the year is different from the standard rate as detailed below:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1217 ss652\"><div><div class=\"ps12276 ss651\" style=\"font-size:12pt\"><span class=\"f charStyle-9458d4de ps7\">Taxation on profit on ordinary activities before taxation at UK rate o</span><span class=\"f charStyle-47b44946 ps12270\"><span style=\"background-color:inherit\">f </span><span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps12271\">25%<span class=\"f ps2\"> </span></span><span class=\"f charStyle-9a9691b1 ps12272\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps12273\">(<span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps12274\">2025<span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps12275\">: 25%)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9681 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.57pt\"></span></span><span class=\"ps9475\">103\u00a0484<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps8605 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.06pt\"></span></span><span class=\"ps12277\">101\u00a0454<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3485 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Taxation adjustments relating to foreign earnings*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9683 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.26pt\"></span></span><span class=\"ps9487\">(8\u00a0853)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps8612 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.28pt\"></span></span><span class=\"ps12278\">(6\u00a0635)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3334 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Taxation relating to prior years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9684 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.09pt\"></span></span><span class=\"ps12279\">2\u00a0108<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps8619 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.86pt\"></span></span><span class=\"ps11881\">(924)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9686 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Non-operating items<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9688 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.27pt\"></span></span><span class=\"ps12280\">10\u00a0634<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps8626 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.64pt\"></span></span><span class=\"ps12281\">13\u00a0748<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4482 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Share options accounting expense/(income)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9691 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.84pt\"></span></span><span class=\"ps12282\">(392)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps8632 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.22pt\"></span></span><span class=\"ps12283\">2\u00a0207<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9692 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Non-taxable income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9693 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.35pt\"></span></span><span class=\"ps9453\">(34\u00a0842)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps8638 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.43pt\"></span></span><span class=\"ps12284\">(21\u00a0572)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8640 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Net other permanent differences<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9696 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.08pt\"></span></span><span class=\"ps8382\">3\u00a0670<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps8643 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.51pt\"></span></span><span class=\"ps12285\">(7\u00a0839)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12190 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Bank surcharge<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12192 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.76pt\"></span></span><span class=\"ps12286\">2\u00a0623<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12193 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.97pt\"></span></span><span class=\"ps12287\">3\u00a0558<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12194 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Capital gains \u2013 non-taxable/covered by losses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12196 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.63pt\"></span></span><span class=\"ps12288\">(3\u00a0759)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12197 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.41pt\"></span></span><span class=\"ps11873\">(6\u00a0481)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12198 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Movement in unrecognised trading losses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12199 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.63pt\"></span></span><span class=\"ps12289\">(1\u00a0319)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12201 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.14pt\"></span></span><span class=\"ps11641\">(3\u00a0920)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12202 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Change in tax rate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12204 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.89pt\"></span></span><span class=\"ps822\">(15)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12206 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.45pt\"></span></span><span class=\"ps11927\">462<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11381 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total taxation charge as per income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps11389 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.85pt\"></span></span><span class=\"ps12203\">73\u00a0339<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11390 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.6pt\"></span></span><span class=\"ps12205\">74\u00a0058<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps11391 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Other comprehensive income taxation effects<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12290 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Gains on realisation of debt instruments at FVOCI recycled through the income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12292 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.71pt\"></span></span><span class=\"ps12291\">2\u00a0171<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12293 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.21pt\"></span></span><span class=\"ps8664\">(166)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps1634 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Pre-taxation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12294 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.08pt\"></span></span><span class=\"ps8382\">3\u00a0079<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps12295 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.81pt\"></span></span><span class=\"ps9936\">(230)</span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps12296 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Taxation effect<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps12298 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.94pt\"></span></span><span class=\"ps12297\">(908)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12300 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.02pt\"></span></span><span class=\"ps12299\">64<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps11254 ss1696\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fair value movements on debt and equity instruments at FVOCI taken directly to other comprehensive <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12301 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.85pt\"></span></span><span class=\"ps8480\">77\u00a0083<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12303 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.92pt\"></span></span><span class=\"ps12302\">(30\u00a0679)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps12304 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Pre-taxation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12305 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.68pt\"></span></span><span class=\"ps4225\">76\u00a0962<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps12306 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.34pt\"></span></span><span class=\"ps9496\">(33\u00a0264)</span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9866 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Taxation effect<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps12307 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.03pt\"></span></span><span class=\"ps11655\">121<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12309 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.11pt\"></span></span><span class=\"ps12308\">2\u00a0585<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12310 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cash flow hedges reserves<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12311 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.39pt\"></span></span><span class=\"ps11549\">(8\u00a0931)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12312 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.31pt\"></span></span><span class=\"ps9242\">(11\u00a0259)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps12313 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Pre-taxation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12314 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.7pt\"></span></span><span class=\"ps11909\">(12\u00a0404)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps12316 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.29pt\"></span></span><span class=\"ps12315\">(15\u00a0637)</span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps12317 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Taxation effect<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps12319 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.85pt\"></span></span><span class=\"ps12318\">3\u00a0473<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12320 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.98pt\"></span></span><span class=\"ps11448\">4\u00a0378<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps1107 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Statement of changes in equity taxation effects<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12321 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Additional Tier 1 capital<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12322 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.03pt\"></span></span><span class=\"ps9420\">(36\u00a0750)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12323 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.91pt\"></span></span><span class=\"ps9278\">(38\u00a0357)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps12324 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Pre-taxation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12325 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.03pt\"></span></span><span class=\"ps9420\">(36\u00a0750)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps12326 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.91pt\"></span></span><span class=\"ps9278\">(38\u00a0357)</span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps12327 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Taxation effect<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps12328 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12329 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12330 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Share-based payment adjustment<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12331 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.01pt\"></span></span><span class=\"ps9510\">6\u00a0956<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12333 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.2pt\"></span></span><span class=\"ps12332\">(559)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps12334 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Pre-taxation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12335 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps12336 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps12337 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Taxation effect<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps12338 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.01pt\"></span></span><span class=\"ps9510\">6\u00a0956<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12339 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.2pt\"></span></span><span class=\"ps12332\">(559)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps12340 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps23\">* Includes Pillar 2 top-up tax of \u00a33.5 million (2025: \u00a34.5 million)</span></div><div class=\"ps12342 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Global Minimum Tax<span class=\"f ps2\"> </span></span></div><div class=\"ps12343 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Pillar Two legislation has been enacted in certain jurisdictions the Group operates. The Group is in scope of the enacted legislation </span></div><div class=\"ps12344 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and has performed an assessment of the Group\u2019s potential exposure to Pillar Two income taxes. </span></div><div class=\"ps12345 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The assessment of the potential exposure to Pillar Two income taxes is based on the most recent tax filings, country-by-country </span></div><div class=\"ps12346 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reporting and financial statements for the constituent entities in the Group. Based on the assessment, the Pillar Two effective tax </span></div><div class=\"ps12347 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">rates in most of the jurisdictions in which the Group operates are above 15%. However, there are a limited number of jurisdictions </span></div><div class=\"ps12348 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">(Guernsey, Jersey and Isle of Man) where the transitional safe harbour relief does not apply and the Pillar Two effective tax rate is </span></div><div class=\"ps12352 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">below 15%. The tax charge of the Group includes </span><span class=\"f charStyle-33e1c6d6 ps12349\">\u00a33.5 million (</span><span class=\"f charStyle-33e1c6d6 ps12350\">2025</span><span class=\"f charStyle-33e1c6d6 ps12351\">: \u00a34.5 million) of Pillar Two income taxes relating to these </span></div><div class=\"ps12353 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">jurisdictions.</span></div><div class=\"ps12354 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group has applied a temporary mandatory relief from deferred tax accounting for the impacts of the top-up tax and accounts </span></div><div class=\"ps12355 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">for it as a current tax when it is incurred.</span></div><div class=\"ps12356 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">We will continue to review the impact of the Pillar Two rules as further guidance is released by the OECD and additional </span></div><div class=\"ps12357 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">governments implement this tax regime.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIncomeTaxExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-914": {
   "value": "<div class=\"ps24 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:13.31pt\">10<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps12361\" style=\"width:5.86pt\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps12362\" style=\"width:55.42pt\">Dividends<span class=\"f ps2\"> </span></span></div><div class=\"ps72 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:255.75pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps12364 ss1620\"><div><div class=\"ps809 ss1514\"><span class=\"f charStyle-a26246ce ps12363\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps2813 ss1620\"><div><div class=\"ps809 ss1514\"><span class=\"f charStyle-8d4b9b37 ps12365\">2025<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1697\"><div><div class=\"ps1404 ss29\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss29\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12367 ss378\"><div><div class=\"ps1404 ss296\"><span class=\"f charStyle-a26246ce ps12366\">Pence per <span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss296\"><span class=\"f charStyle-a26246ce ps4296\">share<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11281 ss1520\"><div><div class=\"ps1400 ss114\"><span class=\"f charStyle-a26246ce ps11290\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2815 ss378\"><div><div class=\"ps1404 ss296\"><span class=\"f charStyle-8d4b9b37 ps10230\">Pence per <span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss296\"><span class=\"f charStyle-8d4b9b37 ps941\">share<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2473 ss1520\"><div><div class=\"ps1400 ss114\"><span class=\"f charStyle-8d4b9b37 ps12368\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps362 ss1698\"><div><div class=\"ps997 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Ordinary dividend<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3453 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Final dividend for prior year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12370 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.5pt\"></span></span><span class=\"ps12369\">20.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps8571 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.07pt\"></span></span><span class=\"ps11992\">62\u00a0349<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps9665 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.76pt\"></span></span><span class=\"ps12371\">19.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps8573 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.62pt\"></span></span><span class=\"ps12372\">56\u00a0073<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3458 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interim dividend for current year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12374 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.25pt\"></span></span><span class=\"ps12373\">17.5<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps8574 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.24pt\"></span></span><span class=\"ps12375\">55\u00a0330<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps9668 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.9pt\"></span></span><span class=\"ps12376\">16.5<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps8575 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.54pt\"></span></span><span class=\"ps9697\">47\u00a0828<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3463 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total dividend attributable to ordinary shareholders<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12378 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.35pt\"></span></span><span class=\"ps12377\">37.5<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps8579 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.92pt\"></span></span><span class=\"ps12379\">117\u00a0679<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps9671 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.98pt\"></span></span><span class=\"ps12380\">35.5<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps8581 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.53pt\"></span></span><span class=\"ps3237\">103\u00a0901<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps12383 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The directors have proposed a final dividend in respect of the financial year ended <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps12381\">31\u00a0March 2026<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps12382\"> of 21.0 pence per ordinary share <span class=\"f ps2\"> </span></span></div><div class=\"ps12386 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">(<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps12384\">31 March 2025<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps12385\">: 20.0 pence).</span></div><div class=\"ps12387 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">This will be paid as follows: <span class=\"f ps2\"> </span></span></div><div class=\"ps12390 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">For Investec plc non-South African shareholders, through a dividend paid by Investec p<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps12388\">lc of 21.0 <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps12389\">pence per ordinary share<span class=\"f ps2\"> </span></span></div><div class=\"ps12393 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">For Investec plc South African shareholders, through a dividend payment on the SA DAS share of <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps12391\">21.0</span><span class=\"f charStyle-33e1c6d6 ps12392\"> pence per ordinary share.<span class=\"f ps2\"> </span></span></div><div class=\"ps12396 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The final dividend to shareholders on the register at the close of business on 21 August </span><span class=\"f charStyle-33e1c6d6 ps12394\">2026<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps12395\"> is subject to the approval of the </span></div><div class=\"ps12399 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">members of Investec plc at the annual general meeting which is scheduled to take place on 6 August <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps12397\">2026</span><span class=\"f charStyle-33e1c6d6 ps12398\"> and, if approved, will </span></div><div class=\"ps12402 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">be\u00a0paid on 15 September <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps12400\">2026<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps12401\">.</span></div><div class=\"ps12441 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:49.5pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"4\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps6175 ss1700\"><div><div class=\"ps809 ss1699\"><span class=\"f charStyle-a26246ce ps12403\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"4\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps12405 ss1701\"><div><div class=\"ps809 ss2\"><span class=\"f charStyle-8d4b9b37 ps12404\">2025<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1702\"><div><div class=\"ps1404 ss1217\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss1217\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8323 ss1336\"><div><div class=\"ps1404 ss1335\"><span class=\"f charStyle-a26246ce ps12406\">Pence per <span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss1335\"><span class=\"f charStyle-a26246ce ps8668\">share<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11439 ss1336\"><div><div class=\"ps1404 ss1335\"><span class=\"f charStyle-a26246ce ps12407\">Cents per <span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss1335\"><span class=\"f charStyle-a26246ce ps8668\">share<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11441 ss1703\"><div><div class=\"ps1400 ss1654\"><span class=\"f charStyle-a26246ce ps12408\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12410 ss1336\"><div><div class=\"ps1404 ss1335\"><span class=\"f charStyle-8d4b9b37 ps10510\">Pence per <span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss1335\"><span class=\"f charStyle-8d4b9b37 ps12409\">share<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12412 ss1336\"><div><div class=\"ps1404 ss1335\"><span class=\"f charStyle-8d4b9b37 ps12411\">Cents per <span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss1335\"><span class=\"f charStyle-8d4b9b37 ps12409\">share<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12414 ss1336\"><div><div class=\"ps1400 ss1335\"><span class=\"f charStyle-8d4b9b37 ps12413\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps362 ss1704\"><div><div class=\"ps997 ss1217\"><span class=\"f charStyle-2b0f4fe0 ps7\">Perpetual preference dividend<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3453 ss1510\"><div><div class=\"ps815 ss1217\"><span class=\"f charStyle-2b0f4fe0 ps7\">Final dividend for prior year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12416 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.45pt\"></span></span><span class=\"ps12415\">28.55<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12417 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.64pt\"></span></span><span class=\"ps11818\">532.26<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12418 ss1659\"><div><div class=\"ps815 ss1654\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.15pt\"></span></span><span class=\"ps10194\">815<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12420 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.07pt\"></span></span><span class=\"ps12419\">31.34<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12422 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25pt\"></span></span><span class=\"ps12421\">559.65<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12424 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.81pt\"></span></span><span class=\"ps12423\">896<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3458 ss1510\"><div><div class=\"ps815 ss1217\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interim dividend for current year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12426 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.21pt\"></span></span><span class=\"ps12425\">26.20<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12427 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.23pt\"></span></span><span class=\"ps11321\">511.89<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12428 ss1659\"><div><div class=\"ps815 ss1654\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.28pt\"></span></span><span class=\"ps9194\">752<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12430 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.07pt\"></span></span><span class=\"ps12429\">30.92<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12432 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.22pt\"></span></span><span class=\"ps12431\">558.87<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12434 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.68pt\"></span></span><span class=\"ps12433\">884<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:30pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3463 ss1507\"><div><div class=\"ps815 ss1217\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total dividend attributable to <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1217\"><span class=\"f charStyle-b7f6e8e5 ps7\">perpetual preference shareholders <span class=\"f ps2\"> </span></span></div><div class=\"ps8432 ss1217\"><span class=\"f charStyle-b7f6e8e5 ps7\">recognised in current financial year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11469 ss1705\"><div><div class=\"ps8432 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.63pt\"></span></span><span class=\"ps11860\">54.75<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11471 ss1705\"><div><div class=\"ps8432 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.61pt\"></span></span><span class=\"ps9603\">1\u00a0044.15<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11472 ss1706\"><div><div class=\"ps8432 ss1654\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.42pt\"></span></span><span class=\"ps12435\">1\u00a0567<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12437 ss1705\"><div><div class=\"ps8432 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.49pt\"></span></span><span class=\"ps12436\">62.26<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12438 ss1705\"><div><div class=\"ps8432 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.59pt\"></span></span><span class=\"ps4132\">1\u00a0118.52<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12440 ss1705\"><div><div class=\"ps8432 ss1335\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.09pt\"></span></span><span class=\"ps12439\">1\u00a0780<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps12447 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The directors have declared a final dividend in respect of the financial </span><span class=\"f charStyle-33e1c6d6 ps12443\">year ended</span><span class=\"f charStyle-33e1c6d6 ps12444\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps12445\">31\u00a0March 2026<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps12446\"> of 24.21920 pence (Investec plc </span></div><div class=\"ps12448 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">shares traded on the JSE Limited) and 24.21920 pence (Investec plc shares traded on the Channel Island Stock Exchange), and </span></div><div class=\"ps12451 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6\"><span class=\"ps23\">488.85959 cents per Rand-denominated perpetual preference share. The final Sterling dividend will be payable on <span style=\"display:inline-block;height:7.75pt;width:11.47pt\"></span></span><span class=\"ps12449\"><span style=\"display:inline-block;height:7.75pt;width:36pt\"></span></span><span class=\"ps12450\">\u00a0 \u00a0 </span></span></div><div class=\"ps12457 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">4 September </span><span class=\"f charStyle-33e1c6d6 ps12452\">2026</span><span class=\"f charStyle-33e1c6d6 ps12453\"> to\u00a0shareholders on the register at the close of business on 21 August</span><span class=\"f charStyle-33e1c6d6 ps12454\"> </span><span class=\"f charStyle-33e1c6d6 ps12455\">2026</span><span class=\"f charStyle-33e1c6d6 ps12456\">. The final Rand dividend will be </span></div><div class=\"ps12461 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">payable on 26 August </span><span class=\"f charStyle-33e1c6d6 ps12458\">2026</span><span class=\"f charStyle-33e1c6d6 ps11946\"> to shareholders on the register at the close of business on 21 August </span><span class=\"f charStyle-33e1c6d6 ps12459\">2026</span><span class=\"f charStyle-33e1c6d6 ps12460\">.</span></div><div class=\"ps12464 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-8d4b9b37 ps9195\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss1651\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Dividend attributable to Other Additional Tier 1 securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps12462 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.74pt\"></span></span><span class=\"ps10265\">36\u00a0750<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps12463 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.96pt\"></span></span><span class=\"ps6947\">38\u00a0357<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps12465 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The \u00a3350 000 000 Fixed Rate Reset Perpetual Additional Tier 1 Write Down Capital Securities were issued on 28 February 2024 </span></div><div class=\"ps12466 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and pay a distribution rate of 10.5% per annum semi-annually.</span></div>The dividend is shown gross of UK corporation tax.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDividendsExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-917": {
   "value": "<div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_259\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:11.02pt\">11<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps12484\" style=\"width:3.31pt\">.<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps12485\" style=\"width:2.55pt\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps12486\" style=\"width:395.55pt\">Analysis of income and impairments by category of financial instrument<span class=\"f ps2\"> </span></span></div><div class=\"ps72 ss8\"><div class=\"ss1718 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:312pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:36pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps12490 ss1711\"><div><div class=\"ps8325 ss1358\"><span class=\"f charStyle-a26246ce ps12488\">At fair value through <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss1358\"><span class=\"f charStyle-a26246ce ps12489\">profit or loss<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps814 ss1667\"><div><div class=\"ps8329 ss114\"><span class=\"f charStyle-86fcaca6 ps12491\">At fair value <span class=\"f ps2\"> </span></span></div><div class=\"ps8331 ss114\"><span class=\"f charStyle-86fcaca6 ps12492\">through <span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss114\"><span class=\"f charStyle-86fcaca6 ps12493\">comprehensive <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss114\"><span class=\"f charStyle-86fcaca6 ps12494\">income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:32.25pt\"><td style=\"padding:0\"><div class=\"ps824 ss1713\"><div><div class=\"ps3317 ss1712\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12496 ss1714\"><div><div class=\"ps12002 ss296\"><span class=\"f charStyle-8d4b9b37 ps12495\">Mandatory<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2818 ss1715\"><div><div class=\"ps12006 ss114\"><span class=\"f charStyle-8d4b9b37 ps12497\">Designated at <span class=\"f ps2\"> </span></span></div><div class=\"ps12002 ss114\"><span class=\"f charStyle-8d4b9b37 ps12498\">inception<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps829 ss1715\"><div><div class=\"ps12008 ss114\"><span class=\"f charStyle-8d4b9b37 ps11444\">Debt <span class=\"f ps2\"> </span></span></div><div class=\"ps12003 ss114\"><span class=\"f charStyle-8d4b9b37 ps12499\">instruments<span class=\"f ps2\"> </span></span></div><div class=\"ps12004 ss114\"><span class=\"f charStyle-8d4b9b37 ps12500\">with a dual <span class=\"f ps2\"> </span></span></div><div class=\"ps12006 ss114\"><span class=\"f charStyle-8d4b9b37 ps12501\">business<span class=\"f ps2\"> </span></span></div><div class=\"ps12002 ss114\"><span class=\"f charStyle-8d4b9b37 ps12502\">model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps192 ss1716\"><div><div class=\"ps809 ss1712\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps2501 ss1717\"><div><div class=\"ps997 ss1712\"><span class=\"f charStyle-b7f6e8e5 ps7\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3472 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interest income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps8588 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.06pt\"></span></span><span class=\"ps12503\">125\u00a0405<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9676 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12504 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.98pt\"></span></span><span class=\"ps5937\">252\u00a0965<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3477 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interest expense<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps8595 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.7pt\"></span></span><span class=\"ps12505\">(34\u00a0525)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9678 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12506 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1217 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fee and commission income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps8603 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.67pt\"></span></span><span class=\"ps11540\">19\u00a0164<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9681 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12507 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3485 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fee and commission expense<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps8610 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9683 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12508 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3334 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps8617 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.55pt\"></span></span><span class=\"ps11914\">28\u00a0619<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9684 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12510 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.48pt\"></span></span><span class=\"ps12509\">(3\u00a0078)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9686 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Share of post-taxation profit of associates and joint venture holdings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps8624 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9688 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12511 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4482 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Trading income/(loss) arising from<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9692 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-9458d4de ps680\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps681\">customer flow<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps8636 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.79pt\"></span></span><span class=\"ps11325\">97\u00a0461<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9693 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12512 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8640 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-9458d4de ps680\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps681\">balance sheet management and other trading activities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12513 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.37pt\"></span></span><span class=\"ps3967\">10\u00a0408<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9696 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12514 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12190 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other operating income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12515 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12192 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12516 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12194 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total operating income/(expense) before expected credit loss<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps12517 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.84pt\"></span></span><span class=\"ps9494\">246\u00a0532<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps12196 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.31pt\"></span></span><span class=\"ps12518\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps12520 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.97pt\"></span></span><span class=\"ps12519\">249\u00a0887<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12198 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Expected credit loss impairments charges<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12521 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12199 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12522 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.68pt\"></span></span><span class=\"ps5563\">5\u00a0077<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12202 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-b7f6e8e5 ps7\">Operating income/(expense)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12523 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.84pt\"></span></span><span class=\"ps9494\">246\u00a0532<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12204 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.31pt\"></span></span><span class=\"ps12518\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12525 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.47pt\"></span></span><span class=\"ps12524\">254\u00a0964<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps12580 ss8\"><div class=\"ss218 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:312pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:33pt\"><td style=\"padding:0\"><div class=\"ps19 ss1719\"><div><div class=\"ps12527 ss1712\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12490 ss1720\"><div><div class=\"ps12529 ss114\"><span class=\"f charStyle-8d4b9b37 ps12528\">Mandatory*<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12531 ss1720\"><div><div class=\"ps12530 ss114\"><span class=\"f charStyle-8d4b9b37 ps12497\">Designated at <span class=\"f ps2\"> </span></span></div><div class=\"ps12529 ss114\"><span class=\"f charStyle-8d4b9b37 ps12498\">inception<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12535 ss1720\"><div><div class=\"ps12532 ss114\"><span class=\"f charStyle-8d4b9b37 ps11444\">Debt <span class=\"f ps2\"> </span></span></div><div class=\"ps12533 ss114\"><span class=\"f charStyle-8d4b9b37 ps12499\">instruments<span class=\"f ps2\"> </span></span></div><div class=\"ps12534 ss114\"><span class=\"f charStyle-8d4b9b37 ps12500\">with a dual <span class=\"f ps2\"> </span></span></div><div class=\"ps12530 ss114\"><span class=\"f charStyle-8d4b9b37 ps12501\">business<span class=\"f ps2\"> </span></span></div><div class=\"ps12529 ss114\"><span class=\"f charStyle-8d4b9b37 ps12502\">model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps1201 ss1716\"><div><div class=\"ps809 ss1712\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3428 ss1717\"><div><div class=\"ps997 ss1712\" style=\"font-size:12pt\"><span class=\"f charStyle-13225c7c ps7\">2025</span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4468 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-9458d4de ps7\">Interest income</span><span class=\"f charStyle-70e7a25b ps12536\"><span class=\"f ps2\"> </span><sup>^</sup></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11296 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.55pt\"></span></span><span class=\"ps12537\">144\u00a0030<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12538 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12540 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.7pt\"></span></span><span class=\"ps12539\">235\u00a0290<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4084 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-9458d4de ps7\">Interest expense</span><span class=\"f charStyle-70e7a25b ps12541\"><span class=\"f ps2\"> </span><sup>^</sup></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12542 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.09pt\"></span></span><span class=\"ps8324\">(67\u00a0699)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12543 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12544 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4676 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fee and commission income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12545 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.78pt\"></span></span><span class=\"ps11512\">18\u00a0621<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12546 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12547 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3327 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fee and commission expense<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12548 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12549 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12550 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps7432 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12551 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.95pt\"></span></span><span class=\"ps12178\">49\u00a0346<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12553 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.52pt\"></span></span><span class=\"ps12552\">(60)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12554 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.56pt\"></span></span><span class=\"ps11958\">228<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12168 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Share of post-taxation profit of associates and joint venture holdings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12555 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12556 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12557 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8389 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Trading income/(loss) arising from<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12558 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-9458d4de ps680\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps681\">customer flow<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12559 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.29pt\"></span></span><span class=\"ps9484\">93\u00a0859<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12560 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12561 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12562 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-9458d4de ps680\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps681\">balance sheet management and other trading activities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12564 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.89pt\"></span></span><span class=\"ps12563\">15\u00a0565<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12565 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12566 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3669 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other operating income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12567 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12568 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12569 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9817 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total operating income/(expense) before expected credit loss<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps12570 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.69pt\"></span></span><span class=\"ps11599\">253\u00a0722<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps12572 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.64pt\"></span></span><span class=\"ps12571\">(60)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps12573 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.14pt\"></span></span><span class=\"ps11498\">235\u00a0518<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4596 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Expected credit loss impairments charges<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12574 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12575 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12576 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.29pt\"></span></span><span class=\"ps11081\">(9\u00a0886)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps346 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-b7f6e8e5 ps7\">Operating income/(expense)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12577 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.69pt\"></span></span><span class=\"ps11599\">253\u00a0722<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12578 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.64pt\"></span></span><span class=\"ps12571\">(60)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12579 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.2pt\"></span></span><span class=\"ps9975\">225\u00a0632<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps12581 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Historically, the Group has split fair value through profit and loss assets and liabilities into trading and non-trading, as defined by regulatory rules for the trading book </span></span></div><div class=\"ps12582 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">and banking book requirements, respectively, other than derivatives, which were all classified as trading. Given recent changes in regulations and that within the </span></div><div class=\"ps12583 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">business, the Group no longer uses this disclosure, the columns have been combined. </span></div></div><div class=\"ps72 ss8\"><div class=\"ss1721 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:36pt\"><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps19 ss1621\"><div><div class=\"ps8329 ss296\"><span class=\"f charStyle-a26246ce ps12586\">At fair value <span class=\"f ps2\"> </span></span></div><div class=\"ps8331 ss296\"><span class=\"f charStyle-a26246ce ps12587\">through <span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss296\"><span class=\"f charStyle-a26246ce ps12588\">comprehensive <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss296\"><span class=\"f charStyle-a26246ce ps12589\">income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:32.25pt\"><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss1714\"><div><div class=\"ps12006 ss296\"><span class=\"f charStyle-8d4b9b37 ps838\">Equity <span class=\"f ps2\"> </span></span></div><div class=\"ps12002 ss296\"><span class=\"f charStyle-8d4b9b37 ps4299\">instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12591 ss1714\"><div><div class=\"ps12006 ss296\"><span class=\"f charStyle-8d4b9b37 ps12038\">Amortised<span class=\"f ps2\"> </span></span></div><div class=\"ps12002 ss296\"><span class=\"f charStyle-8d4b9b37 ps12590\">cost<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12593 ss1714\"><div><div class=\"ps12006 ss296\"><span class=\"f charStyle-8d4b9b37 ps12592\">Non-financial <span class=\"f ps2\"> </span></span></div><div class=\"ps12002 ss296\"><span class=\"f charStyle-8d4b9b37 ps4299\">instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12596 ss1715\"><div><div class=\"ps12004 ss114\"><span class=\"f charStyle-8d4b9b37 ps12594\">Other fee <span class=\"f ps2\"> </span></span></div><div class=\"ps12006 ss114\"><span class=\"f charStyle-8d4b9b37 ps12595\">income and <span class=\"f ps2\"> </span></span></div><div class=\"ps12002 ss114\"><span class=\"f charStyle-8d4b9b37 ps9521\">expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12597 ss1715\"><div><div class=\"ps12002 ss114\"><span class=\"f charStyle-a26246ce ps11290\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3472 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12599 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.25pt\"></span></span><span class=\"ps12598\">1\u00a0356\u00a0583<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12601 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.23pt\"></span></span><span class=\"ps12600\">13<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12602 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12603 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.41pt\"></span></span><span class=\"ps9198\">1\u00a0734\u00a0966<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3477 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12604 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.06pt\"></span></span><span class=\"ps11800\">(971\u00a0015)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12606 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.61pt\"></span></span><span class=\"ps12605\">(8\u00a0150)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12607 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12608 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.76pt\"></span></span><span class=\"ps9210\">(1\u00a0013\u00a0690)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1217 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12609 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.79pt\"></span></span><span class=\"ps11325\">91\u00a0247<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12610 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12611 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.43pt\"></span></span><span class=\"ps9252\">117\u00a0923<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12612 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.35pt\"></span></span><span class=\"ps9221\">228\u00a0334<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3485 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12614 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.27pt\"></span></span><span class=\"ps12613\">(2\u00a0860)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12615 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12616 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.96pt\"></span></span><span class=\"ps6947\">(18\u00a0629)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12617 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.84pt\"></span></span><span class=\"ps3977\">(21\u00a0489)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3334 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.11pt\"></span></span><span class=\"ps11155\">11\u00a0907<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12618 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.66pt\"></span></span><span class=\"ps10167\">(6\u00a0726)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12619 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.86pt\"></span></span><span class=\"ps5905\">30\u00a0767<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12620 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12621 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.43pt\"></span></span><span class=\"ps9205\">61\u00a0489<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9686 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12622 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12623 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.15pt\"></span></span><span class=\"ps12149\">60\u00a0283<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12624 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12625 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.15pt\"></span></span><span class=\"ps9237\">60\u00a0283<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#FFFFFF;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9692 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12627 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.77pt\"></span></span><span class=\"ps12626\">(5\u00a0967)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12628 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12629 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12630 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.32pt\"></span></span><span class=\"ps9255\">91\u00a0494<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8640 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12631 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.39pt\"></span></span><span class=\"ps10018\">(4\u00a0378)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12632 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12633 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12634 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.7pt\"></span></span><span class=\"ps9259\">6\u00a0030<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12190 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12635 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.01pt\"></span></span><span class=\"ps895\">1\u00a0924<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12636 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:46.94pt\"></span></span><span class=\"ps11316\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12637 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.51pt\"></span></span><span class=\"ps5508\">18\u00a0853<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12638 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.99pt\"></span></span><span class=\"ps9265\">20\u00a0778<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps12194 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.17pt\"></span></span><span class=\"ps8455\">11\u00a0907<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps12640 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.16pt\"></span></span><span class=\"ps12639\">458\u00a0808<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps12642 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.71pt\"></span></span><span class=\"ps12641\">82\u00a0914<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps12644 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.58pt\"></span></span><span class=\"ps12643\">118\u00a0147<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12645 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.66pt\"></span></span><span class=\"ps9270\">1\u00a0168\u00a0195<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12198 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12647 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.59pt\"></span></span><span class=\"ps12646\">(101\u00a0982)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12648 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12650 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.32pt\"></span></span><span class=\"ps12649\">(457)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12651 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.95pt\"></span></span><span class=\"ps9276\">(97\u00a0362)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12202 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.17pt\"></span></span><span class=\"ps8455\">11\u00a0907<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12653 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.74pt\"></span></span><span class=\"ps12652\">356\u00a0826<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12654 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.71pt\"></span></span><span class=\"ps12641\">82\u00a0914<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12655 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.22pt\"></span></span><span class=\"ps11385\">117\u00a0690<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12656 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.07pt\"></span></span><span class=\"ps9281\">1\u00a0070\u00a0833<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps12580 ss8\"><div class=\"ss1721 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:33pt\"><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss1722\"><div><div class=\"ps12530 ss296\"><span class=\"f charStyle-8d4b9b37 ps838\">Equity <span class=\"f ps2\"> </span></span></div><div class=\"ps12529 ss296\"><span class=\"f charStyle-8d4b9b37 ps4299\">instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps7974 ss1722\"><div><div class=\"ps12530 ss296\"><span class=\"f charStyle-8d4b9b37 ps12038\">Amortised<span class=\"f ps2\"> </span></span></div><div class=\"ps12529 ss296\"><span class=\"f charStyle-8d4b9b37 ps12590\">cost<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12657 ss1722\"><div><div class=\"ps12530 ss296\"><span class=\"f charStyle-8d4b9b37 ps12592\">Non-financial <span class=\"f ps2\"> </span></span></div><div class=\"ps12529 ss296\"><span class=\"f charStyle-8d4b9b37 ps4299\">instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12658 ss1720\"><div><div class=\"ps12534 ss114\"><span class=\"f charStyle-8d4b9b37 ps12594\">Other fee <span class=\"f ps2\"> </span></span></div><div class=\"ps12530 ss114\"><span class=\"f charStyle-8d4b9b37 ps12595\">income and <span class=\"f ps2\"> </span></span></div><div class=\"ps12529 ss114\"><span class=\"f charStyle-8d4b9b37 ps9521\">expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12659 ss1720\"><div><div class=\"ps12529 ss114\"><span class=\"f charStyle-a26246ce ps11290\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4468 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12660 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.68pt\"></span></span><span class=\"ps4273\">1\u00a0577\u00a0107<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12662 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.97pt\"></span></span><span class=\"ps12661\">3\u00a0673<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12663 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12664 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.46pt\"></span></span><span class=\"ps9199\">1\u00a0960\u00a0100<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4084 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12666 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.75pt\"></span></span><span class=\"ps12665\">(1\u00a0108\u00a0039)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12667 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.63pt\"></span></span><span class=\"ps11860\">(9\u00a0709)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12668 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12669 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.17pt\"></span></span><span class=\"ps9212\">(1\u00a0185\u00a0447)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4676 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12671 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.6pt\"></span></span><span class=\"ps12670\">80\u00a0870<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12672 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12674 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.55pt\"></span></span><span class=\"ps12673\">95\u00a0252<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12675 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.96pt\"></span></span><span class=\"ps9223\">194\u00a0743<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3327 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12676 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.28pt\"></span></span><span class=\"ps8457\">(2\u00a0953)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12677 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12678 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.04pt\"></span></span><span class=\"ps11548\">(10\u00a0958)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12679 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.29pt\"></span></span><span class=\"ps9228\">(13\u00a0911)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps7432 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.53pt\"></span></span><span class=\"ps12680\">10\u00a0962<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12681 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.1pt\"></span></span><span class=\"ps10033\">1\u00a0022<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12683 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.61pt\"></span></span><span class=\"ps12682\">(8\u00a0780)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12684 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12685 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.01pt\"></span></span><span class=\"ps9232\">52\u00a0718<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12168 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12686 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12688 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.41pt\"></span></span><span class=\"ps12687\">40\u00a0921<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps6293 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12689 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.41pt\"></span></span><span class=\"ps9239\">40\u00a0921<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12558 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12691 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.74pt\"></span></span><span class=\"ps12690\">(8\u00a0317)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12692 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12693 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12694 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.42pt\"></span></span><span class=\"ps9257\">85\u00a0542<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12562 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12696 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.4pt\"></span></span><span class=\"ps12695\">(1\u00a0329)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12697 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12698 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12699 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.3pt\"></span></span><span class=\"ps9261\">14\u00a0236<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps3669 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12701 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.12pt\"></span></span><span class=\"ps12700\">2\u00a0595<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12703 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.66pt\"></span></span><span class=\"ps12702\">(41)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12705 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.96pt\"></span></span><span class=\"ps12704\">3\u00a0210<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12706 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.24pt\"></span></span><span class=\"ps9267\">5\u00a0764<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps9817 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.63pt\"></span></span><span class=\"ps12288\">10\u00a0962<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps12707 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.28pt\"></span></span><span class=\"ps12406\">540\u00a0956<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps12709 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.22pt\"></span></span><span class=\"ps12708\">26\u00a0064<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps12710 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.6pt\"></span></span><span class=\"ps12205\">87\u00a0504<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12711 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.25pt\"></span></span><span class=\"ps9272\">1\u00a0154\u00a0666<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4596 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12713 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.82pt\"></span></span><span class=\"ps12712\">(88\u00a0258)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12714 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12715 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.21pt\"></span></span><span class=\"ps12425\">1\u00a0104<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12716 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.91pt\"></span></span><span class=\"ps9278\">(97\u00a0040)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps346 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.63pt\"></span></span><span class=\"ps12288\">10\u00a0962<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12717 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.6pt\"></span></span><span class=\"ps11627\">452\u00a0698<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12718 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.22pt\"></span></span><span class=\"ps12708\">26\u00a0064<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12720 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.12pt\"></span></span><span class=\"ps12719\">88\u00a0608<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12721 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.61pt\"></span></span><span class=\"ps9283\">1\u00a0057\u00a0626<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_262\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:12.64pt\">12<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps12724\" style=\"width:3.31pt\">.<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps12725\" style=\"width:2.55pt\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps12726\" style=\"width:427.3pt\">Analysis of financial assets and liabilities by category of financial instruments<span class=\"f ps2\"> </span></span></div><div class=\"ps72 ss8\"><div class=\"ss218 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:312pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:35.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps12490 ss1724\"><div><div class=\"ps11283 ss1723\"><span class=\"f charStyle-a26246ce ps12727\">At fair value through<span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1723\"><span class=\"f charStyle-a26246ce ps11119\"> profit or loss<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps12535 ss1632\"><div><div class=\"ps11287 ss114\"><span class=\"f charStyle-86fcaca6 ps12491\">At fair value <span class=\"f ps2\"> </span></span></div><div class=\"ps11288 ss114\"><span class=\"f charStyle-86fcaca6 ps12492\">through <span class=\"f ps2\"> </span></span></div><div class=\"ps11283 ss114\"><span class=\"f charStyle-86fcaca6 ps12493\">comprehensive <span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss114\"><span class=\"f charStyle-86fcaca6 ps12494\">income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:26.25pt\"><td style=\"padding:0\"><div class=\"ps11452 ss1725\"><div><div class=\"ps12728 ss1712\"><span class=\"f charStyle-a26246ce ps7\">At 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12730 ss1667\"><div><div class=\"ps8321 ss114\"><span class=\"f charStyle-8d4b9b37 ps12729\">Mandatory<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12732 ss1667\"><div><div class=\"ps8331 ss114\"><span class=\"f charStyle-6f1c08a8 ps12497\">Designated at <span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss114\"><span class=\"f charStyle-6f1c08a8 ps866\">initial <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss114\"><span class=\"f charStyle-6f1c08a8 ps12731\">recognition<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12735 ss1667\"><div><div class=\"ps8329 ss114\"><span class=\"f charStyle-8d4b9b37 ps11444\">Debt <span class=\"f ps2\"> </span></span></div><div class=\"ps8331 ss114\"><span class=\"f charStyle-8d4b9b37 ps12733\">instrument with <span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss114\"><span class=\"f charStyle-8d4b9b37 ps12734\">dual business <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss114\"><span class=\"f charStyle-8d4b9b37 ps12502\">model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps335 ss1726\"><div><div class=\"ps4014 ss1712\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps4084 ss1717\"><div><div class=\"ps997 ss1712\"><span class=\"f charStyle-b7f6e8e5 ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1597 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cash and balances at central banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11313 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12736 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12737 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3751 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11322 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12738 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12739 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3757 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Reverse repurchase agreements and cash collateral on securities borrowed<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11330 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12740 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12741 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3763 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12743 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.68pt\"></span></span><span class=\"ps12742\">259<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12744 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12745 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.63pt\"></span></span><span class=\"ps3525\">1\u00a0680\u00a0799<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12746 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Bank debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12747 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12748 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12749 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.82pt\"></span></span><span class=\"ps9436\">473\u00a0920<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12750 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12751 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.41pt\"></span></span><span class=\"ps9239\">41\u00a0909<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12752 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12753 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.21pt\"></span></span><span class=\"ps8424\">8\u00a0753<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12754 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12755 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.07pt\"></span></span><span class=\"ps9449\">354\u00a0121<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12756 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12757 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9812 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securities arising from trading activities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12758 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.3pt\"></span></span><span class=\"ps9455\">44\u00a0723<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12759 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12760 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12761 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12762 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.7pt\"></span></span><span class=\"ps12539\">808\u00a0998<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12763 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12765 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.78pt\"></span></span><span class=\"ps12764\">2\u00a0668\u00a0677<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12766 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fair value adjustment for asset portfolio hedged risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12767 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.14pt\"></span></span><span class=\"ps9466\">(20\u00a0507)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12768 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12769 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3341 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12770 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12771 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12772 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12773 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12774 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.57pt\"></span></span><span class=\"ps5649\">202\u00a0838<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12775 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12776 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11371 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interests in associated undertakings and joint venture holdings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11378 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12777 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12778 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12779 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Current taxation assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12780 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12781 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12782 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12783 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deferred taxation assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12784 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12785 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12786 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12787 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12789 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.12pt\"></span></span><span class=\"ps12788\">8\u00a0199<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12790 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12791 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12792 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Property and equipment<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12793 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12794 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12795 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12796 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Goodwill<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12797 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12798 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12799 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12800 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Software<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12801 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12802 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12803 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps12805 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.29pt\"></span></span><span class=\"ps12804\">1\u00a0440\u00a0540<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps12806 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.31pt\"></span></span><span class=\"ps12518\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps12808 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.96pt\"></span></span><span class=\"ps12807\">4\u00a0832\u00a0149<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8672 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-b7f6e8e5 ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12809 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deposits by banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12810 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12811 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12812 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12813 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12814 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.95pt\"></span></span><span class=\"ps9521\">419\u00a0205<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12815 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12816 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12817 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other trading liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12818 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.41pt\"></span></span><span class=\"ps9239\">19\u00a0409<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12819 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12820 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12821 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Repurchase agreements and cash collateral on securities lent<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12822 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12823 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12824 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12825 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Customer accounts (deposits)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12826 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12827 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12828 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12321 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fair value adjustment for liability portfolio hedged risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12829 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.91pt\"></span></span><span class=\"ps9536\">(10\u00a0395)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12830 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12831 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12324 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Debt securities in issue<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12832 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12833 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12834 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12835 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Current taxation liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12836 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12837 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12838 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12839 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12840 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12841 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12842 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps12843 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.99pt\"></span></span><span class=\"ps11746\">428\u00a0219<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps12844 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.31pt\"></span></span><span class=\"ps12518\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps12845 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.31pt\"></span></span><span class=\"ps12518\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9914 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Subordinated liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12846 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12847 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12848 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12849 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.99pt\"></span></span><span class=\"ps11746\">428\u00a0219<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12850 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.31pt\"></span></span><span class=\"ps12518\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12851 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.31pt\"></span></span><span class=\"ps12518\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps12862 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For more information on hedges, please refer to <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps12852\">note<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps12853\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps12854\">47<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps12855\"> on <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps12856\">pages</span><span class=\"f charStyle-33e1c6d6 ps12857\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-c4fc3a3f ps12858\"><a class=\"Hyperlink\" href=\"#iccba24ea0cd14a1fbe74568356c33a8e_385\" style=\"z-index:1\">141</a><span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps12859\"> to <span class=\"f ps2\"> </span></span><span class=\"f charStyle-c4fc3a3f ps12860\"><a class=\"Hyperlink\" href=\"#i1f51e261b00c41a8bf6869a3b29c9a60_1070\" style=\"z-index:1\">145</a></span><span class=\"f charStyle-33e1c6d6 ps12861\">.</span></div></div><div><div class=\"ps72 ss8\"><div class=\"ss1721 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:35.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps19 ss1632\"><div><div class=\"ps11287 ss114\"><span class=\"f charStyle-86fcaca6 ps12491\">At fair value <span class=\"f ps2\"> </span></span></div><div class=\"ps11288 ss114\"><span class=\"f charStyle-86fcaca6 ps12492\">through <span class=\"f ps2\"> </span></span></div><div class=\"ps11283 ss114\"><span class=\"f charStyle-86fcaca6 ps12493\">comprehensive <span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss114\"><span class=\"f charStyle-86fcaca6 ps12494\">income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td><td style=\"border-left:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:26.25pt\"><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11452 ss1667\"><div><div class=\"ps8325 ss114\"><span class=\"f charStyle-8d4b9b37 ps12864\">Equity <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss114\"><span class=\"f charStyle-8d4b9b37 ps12499\">instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12867 ss1621\"><div><div class=\"ps8331 ss296\"><span class=\"f charStyle-ef17fa27 ps11118\">Total<span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss296\"><span class=\"f charStyle-ef17fa27 ps12865\"> instruments at</span></div><div class=\"ps8321 ss296\"><span class=\"f charStyle-ef17fa27 ps12866\"> fair value<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12870 ss1621\"><div><div class=\"ps8325 ss296\"><span class=\"f charStyle-ef17fa27 ps12868\">Amortised<span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss296\"><span class=\"f charStyle-ef17fa27 ps12869\"> cost<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12874 ss1621\"><div><div class=\"ps8329 ss296\"><span class=\"f charStyle-ef17fa27 ps12871\">Non-financial<span class=\"f ps2\"> </span></span></div><div class=\"ps8331 ss296\"><span class=\"f charStyle-ef17fa27 ps12872\"> instruments or<span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss296\"><span class=\"f charStyle-ef17fa27 ps12873\"> scoped out<span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss296\"><span class=\"f charStyle-ef17fa27 ps11911\"> of IFRS 9<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12875 ss1667\"><div><div class=\"ps8321 ss114\"><span class=\"f charStyle-ef17fa27 ps11290\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1597 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12876 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12878 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.85pt\"></span></span><span class=\"ps12877\">3\u00a0173\u00a0756<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12879 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12880 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.85pt\"></span></span><span class=\"ps9416\">3\u00a0173\u00a0756<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3751 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12881 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12882 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.03pt\"></span></span><span class=\"ps11793\">801\u00a0104<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12883 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12884 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.03pt\"></span></span><span class=\"ps9420\">801\u00a0104<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3757 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12885 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12887 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.18pt\"></span></span><span class=\"ps12886\">1\u00a0884\u00a0699<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12888 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12889 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.18pt\"></span></span><span class=\"ps9426\">1\u00a0884\u00a0699<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3763 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12891 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.61pt\"></span></span><span class=\"ps12890\">1\u00a0681\u00a0058<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12893 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.31pt\"></span></span><span class=\"ps12892\">2\u00a0007\u00a0080<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12894 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12895 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.01pt\"></span></span><span class=\"ps9431\">3\u00a0688\u00a0138<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12746 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12897 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.82pt\"></span></span><span class=\"ps12896\">473\u00a0920<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12898 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12899 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12900 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.82pt\"></span></span><span class=\"ps9436\">473\u00a0920<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12750 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12901 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.41pt\"></span></span><span class=\"ps11873\">50\u00a0662<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12902 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.6pt\"></span></span><span class=\"ps3712\">1\u00a0067\u00a0089<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12903 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12904 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.82pt\"></span></span><span class=\"ps9443\">1\u00a0117\u00a0751<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12754 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12906 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.07pt\"></span></span><span class=\"ps12905\">354\u00a0121<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12907 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12908 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12909 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.07pt\"></span></span><span class=\"ps9449\">354\u00a0121<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9812 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12910 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.3pt\"></span></span><span class=\"ps11877\">44\u00a0723<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12911 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12912 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12913 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.3pt\"></span></span><span class=\"ps9455\">44\u00a0723<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12761 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12915 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.99pt\"></span></span><span class=\"ps12914\">3\u00a0477\u00a0675<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12917 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.94pt\"></span></span><span class=\"ps12916\">14\u00a0325\u00a0978<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12918 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12919 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.89pt\"></span></span><span class=\"ps4315\">17\u00a0803\u00a0653<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12766 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12921 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.14pt\"></span></span><span class=\"ps12920\">(20\u00a0507)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12922 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12923 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12924 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.14pt\"></span></span><span class=\"ps9466\">(20\u00a0507)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3341 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12925 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12927 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.83pt\"></span></span><span class=\"ps12926\">114\u00a0438<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12928 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12929 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.83pt\"></span></span><span class=\"ps9470\">114\u00a0438<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12773 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.21pt\"></span></span><span class=\"ps12930\">211\u00a0542<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12931 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.57pt\"></span></span><span class=\"ps11535\">414\u00a0380<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12932 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12933 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12934 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.57pt\"></span></span><span class=\"ps9475\">414\u00a0380<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11371 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12935 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12936 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12938 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.43pt\"></span></span><span class=\"ps12937\">851\u00a0867<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12939 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.43pt\"></span></span><span class=\"ps9480\">851\u00a0867<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12779 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12940 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12941 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12942 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.12pt\"></span></span><span class=\"ps11917\">80\u00a0309<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12943 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.12pt\"></span></span><span class=\"ps9482\">80\u00a0309<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12783 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12944 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12945 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12947 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.26pt\"></span></span><span class=\"ps12946\">72\u00a0671<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12948 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.26pt\"></span></span><span class=\"ps9487\">72\u00a0671<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12787 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12949 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.12pt\"></span></span><span class=\"ps11120\">8\u00a0199<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12950 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.84pt\"></span></span><span class=\"ps3977\">734\u00a0452<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12951 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.21pt\"></span></span><span class=\"ps2286\">164\u00a0547<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12952 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.3pt\"></span></span><span class=\"ps9492\">907\u00a0198<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12792 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12953 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12954 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12955 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.7pt\"></span></span><span class=\"ps11479\">149\u00a0630<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12956 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.7pt\"></span></span><span class=\"ps9498\">149\u00a0630<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12796 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12957 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12958 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12959 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.08pt\"></span></span><span class=\"ps6204\">75\u00a0700<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12960 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.08pt\"></span></span><span class=\"ps9503\">75\u00a0700<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12800 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12961 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12962 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12963 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.54pt\"></span></span><span class=\"ps8450\">12\u00a0458<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12964 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.54pt\"></span></span><span class=\"ps9508\">12\u00a0458<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps8670 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.39pt\"></span></span><span class=\"ps12965\">211\u00a0542<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps12966 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.96pt\"></span></span><span class=\"ps9670\">6\u00a0484\u00a0231<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps12968 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.04pt\"></span></span><span class=\"ps12967\">24\u00a0108\u00a0596<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps12970 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.64pt\"></span></span><span class=\"ps12969\">1\u00a0407\u00a0182<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps12971 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:2.94pt\"></span></span><span class=\"ps9512\">32\u00a0000\u00a0009<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12809 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12972 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12974 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.07pt\"></span></span><span class=\"ps12973\">902\u00a0678<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12975 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12976 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.07pt\"></span></span><span class=\"ps9422\">902\u00a0678<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12813 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12977 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.95pt\"></span></span><span class=\"ps12178\">419\u00a0205<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12978 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12979 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12980 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.95pt\"></span></span><span class=\"ps9521\">419\u00a0205<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12817 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12981 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.41pt\"></span></span><span class=\"ps12687\">19\u00a0409<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12982 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12983 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12984 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.41pt\"></span></span><span class=\"ps9239\">19\u00a0409<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12821 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12985 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12986 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.85pt\"></span></span><span class=\"ps12877\">1\u00a0065\u00a0587<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12987 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12988 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.85pt\"></span></span><span class=\"ps9416\">1\u00a0065\u00a0587<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12825 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12989 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12991 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.84pt\"></span></span><span class=\"ps12990\">22\u00a0467\u00a0743<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12992 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12993 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.84pt\"></span></span><span class=\"ps9532\">22\u00a0467\u00a0743<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12321 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12994 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.91pt\"></span></span><span class=\"ps9679\">(10\u00a0395)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12995 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12996 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12997 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.91pt\"></span></span><span class=\"ps9536\">(10\u00a0395)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12324 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12998 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12999 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.35pt\"></span></span><span class=\"ps9221\">1\u00a0413\u00a0031<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13000 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13001 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.35pt\"></span></span><span class=\"ps120\">1\u00a0413\u00a0031<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12835 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13002 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13003 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13004 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.78pt\"></span></span><span class=\"ps5673\">9\u00a0264<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13005 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.78pt\"></span></span><span class=\"ps9544\">9\u00a0264<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12839 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13006 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13007 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.63pt\"></span></span><span class=\"ps12171\">962\u00a0846<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13009 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.04pt\"></span></span><span class=\"ps13008\">315\u00a0831<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13010 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.36pt\"></span></span><span class=\"ps9550\">1\u00a0278\u00a0677<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13011 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.31pt\"></span></span><span class=\"ps12518\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13013 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.99pt\"></span></span><span class=\"ps13012\">428\u00a0219<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13015 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.66pt\"></span></span><span class=\"ps13014\">26\u00a0811\u00a0885<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13016 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.65pt\"></span></span><span class=\"ps11940\">325\u00a0095<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13017 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.99pt\"></span></span><span class=\"ps9554\">27\u00a0565\u00a0199<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9914 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13018 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13020 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.97pt\"></span></span><span class=\"ps13019\">697\u00a0632<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13021 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13022 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.97pt\"></span></span><span class=\"ps9560\">697\u00a0632<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13023 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.31pt\"></span></span><span class=\"ps12518\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13024 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.99pt\"></span></span><span class=\"ps13012\">428\u00a0219<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13026 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.27pt\"></span></span><span class=\"ps13025\">27\u00a0509\u00a0517<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13027 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.65pt\"></span></span><span class=\"ps11940\">325\u00a0095<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13028 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.73pt\"></span></span><span class=\"ps9564\">28\u00a0262\u00a0831<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div></div><div class=\"ps8704 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:313.5pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:60.75pt\"></td></tr><tr style=\"height:36pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps13033 ss1727\"><div><div class=\"ps8325 ss1723\"><span class=\"f charStyle-a26246ce ps12727\">At fair value through<span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss1723\"><span class=\"f charStyle-a26246ce ps11119\"> profit or loss<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps13037 ss1728\"><div><div class=\"ps8329 ss641\"><span class=\"f charStyle-86fcaca6 ps13034\">At fair value <span class=\"f ps2\"> </span></span></div><div class=\"ps8331 ss641\"><span class=\"f charStyle-86fcaca6 ps3712\">through <span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss641\"><span class=\"f charStyle-86fcaca6 ps13035\">comprehensive <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss641\"><span class=\"f charStyle-86fcaca6 ps13036\">income<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:26.25pt\"><td style=\"padding:0\"><div class=\"ps824 ss1730\"><div><div class=\"ps12728 ss1729\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">At </span><span class=\"f charStyle-ef17fa27 ps13038\">31 March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13040 ss1731\"><div><div class=\"ps13039 ss114\"><span class=\"f charStyle-8d4b9b37 ps12528\">Mandatory*<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13043 ss1731\"><div><div class=\"ps13041 ss114\"><span class=\"f charStyle-6f1c08a8 ps12497\">Designated at <span class=\"f ps2\"> </span></span></div><div class=\"ps13042 ss114\"><span class=\"f charStyle-6f1c08a8 ps866\">initial <span class=\"f ps2\"> </span></span></div><div class=\"ps13039 ss114\"><span class=\"f charStyle-6f1c08a8 ps12731\">recognition<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13045 ss1732\"><div><div class=\"ps13041 ss641\"><span class=\"f charStyle-8d4b9b37 ps6280\">Debt instrument <span class=\"f ps2\"> </span></span></div><div class=\"ps13042 ss641\"><span class=\"f charStyle-8d4b9b37 ps9381\">with dual <span class=\"f ps2\"> </span></span></div><div class=\"ps13039 ss641\"><span class=\"f charStyle-8d4b9b37 ps13044\">business model<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps4003 ss1733\"><div><div class=\"ps809 ss1729\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps4562 ss1734\"><div><div class=\"ps997 ss1729\"><span class=\"f charStyle-b7f6e8e5 ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13046 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cash and balances at central banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13047 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13048 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13050 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13051 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13052 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13053 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13054 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13055 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Reverse repurchase agreements and cash collateral on securities borrowed<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13056 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.41pt\"></span></span><span class=\"ps9239\">56\u00a0413<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13057 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13058 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13059 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13060 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13061 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13063 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.76pt\"></span></span><span class=\"ps13062\">1\u00a0335\u00a0652<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps130 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Bank debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13064 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13065 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13067 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.58pt\"></span></span><span class=\"ps13066\">324\u00a0179<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11521 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13068 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.42pt\"></span></span><span class=\"ps9257\">49\u00a0736<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13069 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13071 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.44pt\"></span></span><span class=\"ps13070\">8\u00a0777<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13072 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13073 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.98pt\"></span></span><span class=\"ps99\">299\u00a0281<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13074 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13075 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13076 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securities arising from trading activities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13077 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.1pt\"></span></span><span class=\"ps9457\">149\u00a0912<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13078 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13079 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11346 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13080 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.45pt\"></span></span><span class=\"ps11597\">571\u00a0929<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13081 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13083 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.46pt\"></span></span><span class=\"ps13082\">2\u00a0005\u00a0308<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11354 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13084 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13085 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13086 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9827 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13087 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.82pt\"></span></span><span class=\"ps9321\">213\u00a0260<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13088 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13089 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps6665 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interests in associated undertakings and joint venture holdings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13090 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13091 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13092 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13093 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Current taxation assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13094 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13095 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13096 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13097 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deferred taxation assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13098 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13099 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13100 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13101 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13103 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.5pt\"></span></span><span class=\"ps13102\">4\u00a0336<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13104 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13105 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13106 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Property and equipment<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13107 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13108 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13109 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2410 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Goodwill<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13110 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13111 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13112 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2414 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Software<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13113 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13114 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13115 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13117 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.22pt\"></span></span><span class=\"ps13116\">1\u00a0344\u00a0867<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13118 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.31pt\"></span></span><span class=\"ps12518\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13120 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.99pt\"></span></span><span class=\"ps13119\">3\u00a0673\u00a0916<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2422 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-b7f6e8e5 ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13121 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deposits by banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13122 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13123 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13124 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9866 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13125 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.57pt\"></span></span><span class=\"ps9523\">274\u00a0791<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13126 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13127 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13128 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other trading liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13129 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.44pt\"></span></span><span class=\"ps9527\">16\u00a0242<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13130 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13131 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13132 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Repurchase agreements and cash collateral on securities lent<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13133 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13134 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13135 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13136 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Customer accounts (deposits)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13137 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13138 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13139 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13140 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Debt securities in issue<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13141 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13142 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13143 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1388 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Current taxation liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13144 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13145 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13146 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13147 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13148 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13149 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13150 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13152 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.7pt\"></span></span><span class=\"ps13151\">291\u00a0033<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13153 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.31pt\"></span></span><span class=\"ps12518\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13155 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:46.81pt\"></span></span><span class=\"ps13154\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13156 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Subordinated liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13157 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13158 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13159 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13160 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.7pt\"></span></span><span class=\"ps13151\">291\u00a0033<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13161 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.31pt\"></span></span><span class=\"ps12518\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13162 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:46.81pt\"></span></span><span class=\"ps13154\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps13163 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Historically, the Group has split fair value through profit and loss assets and liabilities into trading and non-trading, as defined by regulatory rules for the trading book </span></span></div><div class=\"ps13164 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">and banking book requirements, respectively, other than derivatives, which were all classified as trading. Given recent changes in regulations and that within the </span></div><div class=\"ps13165 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">business, the Group no longer uses this disclosure, the columns have been combined. </span></div><div class=\"ps13167 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For more information on hedges, please refer to </span><span class=\"f charStyle-33e1c6d6 ps12852\">note</span><span class=\"f charStyle-33e1c6d6 ps12853\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps12854\">47</span><span class=\"f charStyle-33e1c6d6 ps12855\"> on </span><span class=\"f charStyle-33e1c6d6 ps12856\">pages</span><span class=\"f charStyle-33e1c6d6 ps12857\"> </span><span class=\"f charStyle-c4fc3a3f ps12858\"><a class=\"Hyperlink\" href=\"#iccba24ea0cd14a1fbe74568356c33a8e_385\" style=\"z-index:1\">141</a><span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps12859\"> to </span><span class=\"f charStyle-c4fc3a3f ps12860\"><a class=\"Hyperlink\" href=\"#i1f51e261b00c41a8bf6869a3b29c9a60_1070\" style=\"z-index:1\">145</a><span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps12861\">.</span></div><div class=\"ps8704 ss8\"><div class=\"ss1721 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:36pt\"><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps19 ss1667\"><div><div class=\"ps8329 ss114\"><span class=\"f charStyle-86fcaca6 ps12491\">At fair value <span class=\"f ps2\"> </span></span></div><div class=\"ps8331 ss114\"><span class=\"f charStyle-86fcaca6 ps12492\">through <span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss114\"><span class=\"f charStyle-86fcaca6 ps12493\">comprehensive <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss114\"><span class=\"f charStyle-86fcaca6 ps12494\">income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td><td style=\"border-left:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:26.25pt\"><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss1731\"><div><div class=\"ps13042 ss114\"><span class=\"f charStyle-8d4b9b37 ps12864\">Equity <span class=\"f ps2\"> </span></span></div><div class=\"ps13039 ss114\"><span class=\"f charStyle-8d4b9b37 ps12499\">instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12591 ss1736\"><div><div class=\"ps13041 ss296\"><span class=\"f charStyle-ef17fa27 ps11118\">Total<span class=\"f ps2\"> </span></span></div><div class=\"ps13042 ss296\"><span class=\"f charStyle-ef17fa27 ps12865\"> instruments at</span></div><div class=\"ps13039 ss296\"><span class=\"f charStyle-ef17fa27 ps12866\"> fair value<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12593 ss1736\"><div><div class=\"ps13042 ss296\"><span class=\"f charStyle-ef17fa27 ps12868\">Amortised<span class=\"f ps2\"> </span></span></div><div class=\"ps13039 ss296\"><span class=\"f charStyle-ef17fa27 ps12869\"> cost<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12596 ss1736\"><div><div class=\"ps13169 ss296\"><span class=\"f charStyle-ef17fa27 ps12871\">Non-financial<span class=\"f ps2\"> </span></span></div><div class=\"ps13041 ss296\"><span class=\"f charStyle-ef17fa27 ps12872\"> instruments or<span class=\"f ps2\"> </span></span></div><div class=\"ps13042 ss296\"><span class=\"f charStyle-ef17fa27 ps12873\"> scoped out<span class=\"f ps2\"> </span></span></div><div class=\"ps13039 ss296\"><span class=\"f charStyle-ef17fa27 ps11911\"> of IFRS 9<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12597 ss1731\"><div><div class=\"ps13039 ss114\"><span class=\"f charStyle-ef17fa27 ps11290\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13046 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13170 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13171 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.86pt\"></span></span><span class=\"ps4332\">4\u00a0191\u00a0750<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13172 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13173 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.86pt\"></span></span><span class=\"ps3514\">4\u00a0191\u00a0750<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13051 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13174 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13175 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.07pt\"></span></span><span class=\"ps12973\">860\u00a0267<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13176 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13177 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.07pt\"></span></span><span class=\"ps9422\">860\u00a0267<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13055 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13178 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.41pt\"></span></span><span class=\"ps12687\">56\u00a0413<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13180 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.27pt\"></span></span><span class=\"ps13179\">1\u00a0584\u00a0352<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13181 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13182 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.63pt\"></span></span><span class=\"ps3525\">1\u00a0640\u00a0765<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13059 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13183 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.26pt\"></span></span><span class=\"ps10531\">1\u00a0335\u00a0652<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13185 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.59pt\"></span></span><span class=\"ps13184\">1\u00a0189\u00a0050<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13186 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13187 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.4pt\"></span></span><span class=\"ps9433\">2\u00a0524\u00a0702<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps130 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13188 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.08pt\"></span></span><span class=\"ps5540\">324\u00a0179<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13189 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13190 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13191 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.08pt\"></span></span><span class=\"ps9438\">324\u00a0179<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11521 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13192 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.63pt\"></span></span><span class=\"ps12289\">58\u00a0513<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13193 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.31pt\"></span></span><span class=\"ps9242\">712\u00a0209<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13194 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13195 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.78pt\"></span></span><span class=\"ps9445\">770\u00a0722<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13072 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13197 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.98pt\"></span></span><span class=\"ps13196\">299\u00a0281<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13198 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13199 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13200 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.98pt\"></span></span><span class=\"ps99\">299\u00a0281<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13076 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13202 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.1pt\"></span></span><span class=\"ps13201\">149\u00a0912<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13203 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13204 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13205 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.1pt\"></span></span><span class=\"ps9457\">149\u00a0912<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11346 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13207 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.11pt\"></span></span><span class=\"ps13206\">2\u00a0577\u00a0237<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13209 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.36pt\"></span></span><span class=\"ps13208\">14\u00a0236\u00a0486<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13210 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13211 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.04pt\"></span></span><span class=\"ps9462\">16\u00a0813\u00a0723<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11354 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13212 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13213 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.08pt\"></span></span><span class=\"ps9503\">139\u00a0212<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13214 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13215 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.08pt\"></span></span><span class=\"ps9472\">139\u00a0212<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9827 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.42pt\"></span></span><span class=\"ps13216\">134\u00a0330<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13217 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.93pt\"></span></span><span class=\"ps9424\">347\u00a0590<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13218 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13219 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13220 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.93pt\"></span></span><span class=\"ps9477\">347\u00a0590<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps6665 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13221 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13222 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13223 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.95pt\"></span></span><span class=\"ps11210\">832\u00a0141<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13224 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.95pt\"></span></span><span class=\"ps9276\">832\u00a0141<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13093 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13225 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13226 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13228 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.29pt\"></span></span><span class=\"ps13227\">25\u00a0382<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13229 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.29pt\"></span></span><span class=\"ps9484\">25\u00a0382<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps13097 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13230 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13231 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13233 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.18pt\"></span></span><span class=\"ps13232\">120\u00a0918<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13234 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.18pt\"></span></span><span class=\"ps9489\">120\u00a0918<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13101 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13236 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.5pt\"></span></span><span class=\"ps13235\">4\u00a0336<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13237 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.6pt\"></span></span><span class=\"ps12205\">349\u00a0568<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13239 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.61pt\"></span></span><span class=\"ps13238\">298\u00a0239<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13240 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.84pt\"></span></span><span class=\"ps9494\">652\u00a0143<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13106 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13241 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13242 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13243 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.28pt\"></span></span><span class=\"ps11268\">58\u00a0940<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13244 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.28pt\"></span></span><span class=\"ps9500\">58\u00a0940<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2410 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13245 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13246 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13247 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.76pt\"></span></span><span class=\"ps11785\">67\u00a0520<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13248 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.76pt\"></span></span><span class=\"ps7142\">67\u00a0520<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2414 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13249 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13250 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13251 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.01pt\"></span></span><span class=\"ps8351\">4\u00a0742<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13252 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.01pt\"></span></span><span class=\"ps9510\">4\u00a0742<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps2418 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.35pt\"></span></span><span class=\"ps13253\">134\u00a0330<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13255 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.8pt\"></span></span><span class=\"ps13254\">5\u00a0153\u00a0113<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13257 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.32pt\"></span></span><span class=\"ps13256\">23\u00a0262\u00a0894<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13258 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.36pt\"></span></span><span class=\"ps9550\">1\u00a0407\u00a0882<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13259 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:4.22pt\"></span></span><span class=\"ps9514\">29\u00a0823\u00a0889<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13121 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13260 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13261 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16pt\"></span></span><span class=\"ps339\">1\u00a0477\u00a0568<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13262 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13263 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13pt\"></span></span><span class=\"ps5507\">1\u00a0477\u00a0568<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9866 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13264 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.57pt\"></span></span><span class=\"ps11388\">274\u00a0791<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13265 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13266 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13267 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.57pt\"></span></span><span class=\"ps9523\">274\u00a0791<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13128 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13269 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.44pt\"></span></span><span class=\"ps13268\">16\u00a0242<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13270 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13271 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13272 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.44pt\"></span></span><span class=\"ps9527\">16\u00a0242<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13132 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13273 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13274 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.3pt\"></span></span><span class=\"ps9455\">178\u00a0202<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13275 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13276 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.3pt\"></span></span><span class=\"ps9492\">178\u00a0202<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13136 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13277 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13279 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.06pt\"></span></span><span class=\"ps13278\">21\u00a0455\u00a0855<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13280 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13281 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.06pt\"></span></span><span class=\"ps9534\">21\u00a0455\u00a0855<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13140 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13282 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13284 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.34pt\"></span></span><span class=\"ps13283\">1\u00a0301\u00a0802<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13285 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13286 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.34pt\"></span></span><span class=\"ps9541\">1\u00a0301\u00a0802<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1388 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps1389 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13287 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13288 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.73pt\"></span></span><span class=\"ps11918\">9\u00a0023<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13289 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.73pt\"></span></span><span class=\"ps9546\">9\u00a0023<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13147 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13290 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13292 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.32pt\"></span></span><span class=\"ps13291\">548\u00a0617<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13294 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.33pt\"></span></span><span class=\"ps13293\">390\u00a0342<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13295 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.72pt\"></span></span><span class=\"ps9552\">938\u00a0959<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13296 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.31pt\"></span></span><span class=\"ps12518\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13297 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.7pt\"></span></span><span class=\"ps8347\">291\u00a0033<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13298 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.61pt\"></span></span><span class=\"ps12734\">24\u00a0962\u00a0044<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13300 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.52pt\"></span></span><span class=\"ps13299\">399\u00a0365<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13301 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:4.42pt\"></span></span><span class=\"ps9556\">25\u00a0652\u00a0442<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13156 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13302 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13304 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.97pt\"></span></span><span class=\"ps13303\">682\u00a0218<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13305 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13306 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.97pt\"></span></span><span class=\"ps9562\">682\u00a0218<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13307 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.31pt\"></span></span><span class=\"ps12518\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13308 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.7pt\"></span></span><span class=\"ps8347\">291\u00a0033<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13309 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.3pt\"></span></span><span class=\"ps764\">25\u00a0644\u00a0262<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13310 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.52pt\"></span></span><span class=\"ps13299\">399\u00a0365<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13311 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:3.66pt\"></span></span><span class=\"ps9566\">26\u00a0334\u00a0660<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_265\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">13<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps13314\">.<span class=\"f ps2\"> </span><span id=\"ibffbad9e27df4a1cb2c3782704227d4a_7023\"></span></span><span class=\"f charStyle-f6a3ab10 ps13315\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps13316\">Fair value hierarchy<span class=\"f ps2\"> </span></span></div><div class=\"ps979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The table below analyses recurring fair value measurements for financial assets and financial liabilities. These fair value <span class=\"f ps2\"> </span></span></div><div class=\"ps980 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">measurements are categorised into different levels in the fair value hierarchy based on the inputs to the valuation technique used. <span class=\"f ps2\"> </span></span></div><div class=\"ps981 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The different levels are identified as follows:<span class=\"f ps2\"> </span></span></div><div class=\"ps4871 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">Level 1</span><span class=\"f charStyle-33e1c6d6 ps13317\"> \u2013 quoted (unadjusted) prices in active markets for identical assets or liabilities.<span class=\"f ps2\"> </span></span></div><div class=\"ps8136 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">Level 2<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps13318\"> \u2013 inputs other than quoted prices included within level 1 that are observable for the asset or liability, either directly</span></div><div class=\"ps4873 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6\"><span class=\"ps699\"><span style=\"display:inline-block;height:7.75pt;width:36.08pt\"></span></span><span class=\"ps6985\">(i.e. as prices) or indirectly (i.e. derived from prices).</span></span></div><div class=\"ps8840 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">Level 3</span><span class=\"f charStyle-33e1c6d6 ps13319\"> \u2013 inputs for the asset or liability that are not based on observable market data (unobservable inputs).</span></div><div class=\"ps13401 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:261.75pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps13321 ss1738\"><div><div class=\"ps809 ss1737\"><span class=\"f charStyle-a26246ce ps13320\">Fair value category<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"padding:0\"><div class=\"ps816 ss1740\"><div><div class=\"ps13322 ss1739\"><span class=\"f charStyle-a26246ce ps7\">At 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13325 ss1741\"><div><div class=\"ps989 ss114\"><span class=\"f charStyle-a26246ce ps11290\">Total<span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss114\"><span class=\"f charStyle-a26246ce ps13323\"> instruments at<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss114\"><span class=\"f charStyle-a26246ce ps13324\"> fair value<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11854 ss297\"><div><div class=\"ps983 ss296\"><span class=\"f charStyle-6f1c08a8 ps13326\">Level 1<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11855 ss297\"><div><div class=\"ps983 ss296\"><span class=\"f charStyle-6f1c08a8 ps13327\">Level 2<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13329 ss1741\"><div><div class=\"ps983 ss114\"><span class=\"f charStyle-6f1c08a8 ps13328\">Level 3<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2482 ss1742\"><div><div class=\"ps4014 ss1739\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3588 ss1743\"><div><div class=\"ps997 ss1739\"><span class=\"f charStyle-b7f6e8e5 ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1006 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13330 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.61pt\"></span></span><span class=\"ps7428\">1\u00a0681\u00a0058<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13331 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.61pt\"></span></span><span class=\"ps12890\">1\u00a0681\u00a0058<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13332 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps1009 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1010 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Bank debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13333 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.82pt\"></span></span><span class=\"ps9436\">473\u00a0920<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13334 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.82pt\"></span></span><span class=\"ps12896\">473\u00a0920<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13335 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps1013 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1014 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13336 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.41pt\"></span></span><span class=\"ps8328\">50\u00a0662<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13337 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.21pt\"></span></span><span class=\"ps4570\">8\u00a0753<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13339 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.75pt\"></span></span><span class=\"ps13338\">3\u00a0945<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps1017 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.42pt\"></span></span><span class=\"ps9257\">37\u00a0964<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1018 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13340 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.07pt\"></span></span><span class=\"ps9449\">354\u00a0121<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13341 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13343 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.31pt\"></span></span><span class=\"ps13342\">352\u00a0747<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps1021 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.22pt\"></span></span><span class=\"ps11592\">1\u00a0374<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1022 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securities arising from trading activities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13344 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.3pt\"></span></span><span class=\"ps9455\">44\u00a0723<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13345 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.3pt\"></span></span><span class=\"ps11877\">44\u00a0723<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13346 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps1025 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12075 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13348 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.99pt\"></span></span><span class=\"ps13347\">3\u00a0477\u00a0675<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13349 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13351 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.06pt\"></span></span><span class=\"ps13350\">34\u00a0682<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13353 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.57pt\"></span></span><span class=\"ps13352\">3\u00a0442\u00a0993<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps341 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fair value adjustment for asset portfolio hedged risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13354 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.14pt\"></span></span><span class=\"ps9466\">(20\u00a0507)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13355 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.14pt\"></span></span><span class=\"ps12920\">(20\u00a0507)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11712 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13356 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.57pt\"></span></span><span class=\"ps9475\">414\u00a0380<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13357 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.32pt\"></span></span><span class=\"ps9255\">211\u00a0545<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13358 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.75pt\"></span></span><span class=\"ps891\">730<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13359 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.04pt\"></span></span><span class=\"ps11834\">202\u00a0105<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps49 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13360 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.12pt\"></span></span><span class=\"ps12788\">8\u00a0199<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13362 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.1pt\"></span></span><span class=\"ps13361\">3\u00a0782<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13363 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13364 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.24pt\"></span></span><span class=\"ps9304\">4\u00a0417<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13365 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.96pt\"></span></span><span class=\"ps12807\">6\u00a0484\u00a0231<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13367 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.81pt\"></span></span><span class=\"ps13366\">2\u00a0423\u00a0781<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13369 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.77pt\"></span></span><span class=\"ps13368\">371\u00a0597<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13371 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.84pt\"></span></span><span class=\"ps13370\">3\u00a0688\u00a0853<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3338 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-b7f6e8e5 ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13372 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13373 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.95pt\"></span></span><span class=\"ps9521\">419\u00a0205<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13374 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13375 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.44pt\"></span></span><span class=\"ps9527\">418\u00a0671<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13377 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.42pt\"></span></span><span class=\"ps13376\">534<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13378 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other trading liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13379 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.41pt\"></span></span><span class=\"ps9239\">19\u00a0409<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13380 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.41pt\"></span></span><span class=\"ps12687\">19\u00a0409<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13381 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13382 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13383 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fair value adjustment for liability portfolio hedged risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13384 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.91pt\"></span></span><span class=\"ps9536\">(10\u00a0395)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13385 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13386 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.91pt\"></span></span><span class=\"ps9679\">(10\u00a0395)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13387 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13388 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.99pt\"></span></span><span class=\"ps11746\">428\u00a0219<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13389 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.27pt\"></span></span><span class=\"ps11901\">19\u00a0409<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13390 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.76pt\"></span></span><span class=\"ps12005\">408\u00a0276<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13392 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.96pt\"></span></span><span class=\"ps13391\">534<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13393 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net assets at fair value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13395 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.91pt\"></span></span><span class=\"ps13394\">6\u00a0056\u00a0012<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13397 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.19pt\"></span></span><span class=\"ps13396\">2\u00a0404\u00a0372<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13398 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.77pt\"></span></span><span class=\"ps13368\">(36\u00a0679)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13400 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10pt\"></span></span><span class=\"ps13399\">3\u00a0688\u00a0319<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps13402 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Loans and advances to customers at fair value include instruments where the business model is either to sell the loan or where the business model is to hold to collect </span></span></div><div class=\"ps13403 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">the contractual cash flows but the loan has failed the SPPI test.</span></div><div class=\"ps13404 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Transfers between level 1 and level 2</span></div><div class=\"ps13405 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">During the current year there were no transfers between level 1 and level 2.</span></div></div><div class=\"ps11275 ss8\"><div class=\"ss218 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:255.75pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps13408 ss1738\"><div><div class=\"ps809 ss1737\"><span class=\"f charStyle-a26246ce ps13320\">Fair value category<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"padding:0\"><div class=\"ps816 ss1745\"><div><div class=\"ps13322 ss29\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">At </span><span class=\"f charStyle-ef17fa27 ps13038\">31 March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12367 ss1741\"><div><div class=\"ps989 ss114\"><span class=\"f charStyle-a26246ce ps11290\">Total<span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss114\"><span class=\"f charStyle-a26246ce ps13323\"> instruments at<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss114\"><span class=\"f charStyle-a26246ce ps13324\"> fair value<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11109 ss297\"><div><div class=\"ps983 ss296\"><span class=\"f charStyle-6f1c08a8 ps13326\">Level 1<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11111 ss297\"><div><div class=\"ps983 ss296\"><span class=\"f charStyle-6f1c08a8 ps13327\">Level 2<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13409 ss1741\"><div><div class=\"ps983 ss114\"><span class=\"f charStyle-6f1c08a8 ps13328\">Level 3<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2482 ss1746\"><div><div class=\"ps4014 ss29\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3588 ss1698\"><div><div class=\"ps997 ss29\"><span class=\"f charStyle-b7f6e8e5 ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps1006 ss33\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Reverse repurchase agreements and cash collateral on securities <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">borrowed<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13410 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.41pt\"></span></span><span class=\"ps9239\">56\u00a0413<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13411 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13412 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.41pt\"></span></span><span class=\"ps12687\">56\u00a0413<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps4799 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3844 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13413 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.26pt\"></span></span><span class=\"ps9201\">1\u00a0335\u00a0652<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13414 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.26pt\"></span></span><span class=\"ps10531\">1\u00a0335\u00a0652<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13415 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13416 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13417 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Bank debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13418 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.08pt\"></span></span><span class=\"ps9438\">324\u00a0179<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13419 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.08pt\"></span></span><span class=\"ps5540\">324\u00a0179<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13420 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13421 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4807 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13423 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.63pt\"></span></span><span class=\"ps13422\">58\u00a0513<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13424 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.94pt\"></span></span><span class=\"ps12297\">8\u00a0777<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13426 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.95pt\"></span></span><span class=\"ps13425\">2\u00a0050<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps4811 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.55pt\"></span></span><span class=\"ps12673\">47\u00a0686<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3328 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps10020 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.98pt\"></span></span><span class=\"ps99\">299\u00a0281<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13427 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13428 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.76pt\"></span></span><span class=\"ps9988\">292\u00a0929<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps4815 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.87pt\"></span></span><span class=\"ps13429\">6\u00a0352<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1026 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securities arising from trading activities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13430 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.1pt\"></span></span><span class=\"ps9457\">149\u00a0912<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13431 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.1pt\"></span></span><span class=\"ps13201\">149\u00a0912<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13432 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13433 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1027 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13435 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.11pt\"></span></span><span class=\"ps13434\">2\u00a0577\u00a0237<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13436 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13437 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.29pt\"></span></span><span class=\"ps13227\">45\u00a0099<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13439 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.14pt\"></span></span><span class=\"ps13438\">2\u00a0532\u00a0138<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1031 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13440 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.93pt\"></span></span><span class=\"ps9477\">347\u00a0590<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13441 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.84pt\"></span></span><span class=\"ps11716\">135\u00a0264<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13443 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.57pt\"></span></span><span class=\"ps13442\">962<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13445 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.96pt\"></span></span><span class=\"ps13444\">211\u00a0364<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1035 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13446 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.5pt\"></span></span><span class=\"ps13102\">4\u00a0336<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13447 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.5pt\"></span></span><span class=\"ps13235\">4\u00a0336<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13448 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13449 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13451 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.8pt\"></span></span><span class=\"ps13450\">5\u00a0153\u00a0113<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13452 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.4pt\"></span></span><span class=\"ps11483\">1\u00a0958\u00a0120<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13454 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.88pt\"></span></span><span class=\"ps13453\">397\u00a0453<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13456 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.69pt\"></span></span><span class=\"ps13455\">2\u00a0797\u00a0540<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1042 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-b7f6e8e5 ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1046 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13457 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.57pt\"></span></span><span class=\"ps9523\">274\u00a0791<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13458 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13459 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.85pt\"></span></span><span class=\"ps12203\">273\u00a0964<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13461 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.91pt\"></span></span><span class=\"ps13460\">827<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1050 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other trading liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13462 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.44pt\"></span></span><span class=\"ps9527\">16\u00a0242<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13463 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.44pt\"></span></span><span class=\"ps13268\">16\u00a0242<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13464 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13465 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13466 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.7pt\"></span></span><span class=\"ps13151\">291\u00a0033<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13468 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.94pt\"></span></span><span class=\"ps13467\">16\u00a0242<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13469 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.98pt\"></span></span><span class=\"ps99\">273\u00a0964<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13471 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.68pt\"></span></span><span class=\"ps13470\">827<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps1058 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net assets at fair value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13473 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.38pt\"></span></span><span class=\"ps13472\">4\u00a0862\u00a0080<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13475 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.62pt\"></span></span><span class=\"ps13474\">1\u00a0941\u00a0878<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13477 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.77pt\"></span></span><span class=\"ps13476\">123\u00a0489<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13479 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.2pt\"></span></span><span class=\"ps13478\">2\u00a0796\u00a0713<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps13480 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Loans and advances to customers at fair value include instruments where the business model is either to sell the loan or where the business model is to hold to collect </span></span></div><div class=\"ps13481 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">the contractual cash flows but the loan has failed the SPPI test.</span></div><div class=\"ps13483 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Transfers between level 1 and level 2</span></div><div class=\"ps13484 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">During the prior year there were no transfers between level 1 and level 2.</span></div><div class=\"ps5918 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-b9f48ea1 ps23\" style=\"width:90.81pt\">Level 3 instruments</span></div><div class=\"ps5919 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The following table is a reconciliation of the opening balances to the closing balances for the fair value measurements in level 3 of </span></div><div class=\"ps5920 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the fair value hierarchy:</span></div><div class=\"ps13675 ss8\"><div class=\"ss1764 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:239.25pt\"></td><td style=\"padding:0;width:48pt\"></td><td style=\"padding:0;width:48pt\"></td><td style=\"padding:0;width:48pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:59.25pt\"></td></tr><tr style=\"height:18pt\"><td style=\"padding:0\"><div class=\"ps19 ss1748\"><div><div class=\"ps13322 ss1747\"><span class=\"f charStyle-a26246ce ps7\">For the year to<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3272 ss1749\"><div><div class=\"ps985 ss936\"><span class=\"f charStyle-6f1c08a8 ps13486\">Investment<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss936\"><span class=\"f charStyle-6f1c08a8 ps13487\"> portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13490 ss1749\"><div><div class=\"ps989 ss936\"><span class=\"f charStyle-6f1c08a8 ps13488\">Loans and<span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss936\"><span class=\"f charStyle-6f1c08a8 ps11634\"> advances to<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss936\"><span class=\"f charStyle-6f1c08a8 ps13489\"> customers<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13494 ss1749\"><div><div class=\"ps989 ss936\"><span class=\"f charStyle-6f1c08a8 ps13491\">Other <span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss936\"><span class=\"f charStyle-6f1c08a8 ps13492\">securitised</span></div><div class=\"ps983 ss936\"><span class=\"f charStyle-6f1c08a8 ps13493\"> assets<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13497 ss1751\"><div><div class=\"ps985 ss1750\"><span class=\"f charStyle-6f1c08a8 ps13495\">Other balance<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss1750\"><span class=\"f charStyle-6f1c08a8 ps9654\"> sheet assets<span class=\"f ps2\"> </span></span><span class=\"f charStyle-74272f2c ps13496\"><span class=\"f ps2\"> </span><sup>1</sup></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13498 ss1752\"><div><div class=\"ps4014 ss1747\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13500 ss1754\"><div><div class=\"ps4014 ss1753\"><span class=\"f charStyle-ef17fa27 ps13499\">Total<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps998 ss1756\"><div><div class=\"ps997 ss1755\"><span class=\"f charStyle-b7f6e8e5 ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1002 ss1757\"><div><div class=\"ps815 ss1747\" style=\"font-size:12pt\"><span class=\"f charStyle-13225c7c ps7\">Balance as at 1 April </span><span class=\"f charStyle-13225c7c ps13501\">2024<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13502 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.71pt\"></span></span><span class=\"ps12125\">244\u00a0975<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13504 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:4.76pt\"></span></span><span class=\"ps13503\">2\u00a0042\u00a0150<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13505 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.59pt\"></span></span><span class=\"ps5377\">66\u00a0702<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13507 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.26pt\"></span></span><span class=\"ps13506\">70\u00a0184<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13509 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.25pt\"></span></span><span class=\"ps13508\">2\u00a0424\u00a0011<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1006 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Net gains/(losses) in the income statement^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13511 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.4pt\"></span></span><span class=\"ps13510\">23\u00a0975<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13513 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.58pt\"></span></span><span class=\"ps13512\">209\u00a0554<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13514 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.55pt\"></span></span><span class=\"ps8478\">724<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13516 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.49pt\"></span></span><span class=\"ps13515\">2\u00a0132<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13518 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.58pt\"></span></span><span class=\"ps13517\">236\u00a0385<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps1010 ss1760\"><div><div class=\"ps9695 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Interest income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13519 ss1761\"><div><div class=\"ps9695 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13521 ss1761\"><div><div class=\"ps9695 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.03pt\"></span></span><span class=\"ps13520\">210\u00a0079<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13522 ss1761\"><div><div class=\"ps9695 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13524 ss1762\"><div><div class=\"ps9695 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.58pt\"></span></span><span class=\"ps13523\">3\u00a0357<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13525 ss1763\"><div><div class=\"ps9695 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.59pt\"></span></span><span class=\"ps11443\">213\u00a0436<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps3527 ss1760\"><div><div class=\"ps9695 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Investment income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps13526 ss1761\"><div><div class=\"ps9695 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.4pt\"></span></span><span class=\"ps13510\">23\u00a0975<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13528 ss1761\"><div><div class=\"ps9695 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.95pt\"></span></span><span class=\"ps13527\">(525)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13529 ss1761\"><div><div class=\"ps9695 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.55pt\"></span></span><span class=\"ps8478\">724<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13530 ss1762\"><div><div class=\"ps9695 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.68pt\"></span></span><span class=\"ps5563\">(531)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps13532 ss1763\"><div><div class=\"ps9695 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.93pt\"></span></span><span class=\"ps13531\">23\u00a0643<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9440 ss1760\"><div><div class=\"ps9695 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Trading income/(loss) arising from customer flow<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13533 ss1761\"><div><div class=\"ps9695 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13534 ss1761\"><div><div class=\"ps9695 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13535 ss1761\"><div><div class=\"ps9695 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13536 ss1762\"><div><div class=\"ps9695 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.36pt\"></span></span><span class=\"ps10360\">(694)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps13537 ss1763\"><div><div class=\"ps9695 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.86pt\"></span></span><span class=\"ps835\">(694)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2511 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Gains or (losses) in the statement of comprehensive income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13538 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13539 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.76pt\"></span></span><span class=\"ps9988\">19\u00a0118<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13540 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13542 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13544 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.01pt\"></span></span><span class=\"ps13543\">19\u00a0118<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4281 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Purchases<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13546 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.13pt\"></span></span><span class=\"ps13545\">20\u00a0506<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13548 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.22pt\"></span></span><span class=\"ps13547\">3\u00a0201\u00a0706<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13549 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13550 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.73pt\"></span></span><span class=\"ps9685\">5\u00a0478<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13551 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.27pt\"></span></span><span class=\"ps4137\">3\u00a0227\u00a0690<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4288 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sales<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13553 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.4pt\"></span></span><span class=\"ps13552\">(9\u00a0876)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13555 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.57pt\"></span></span><span class=\"ps13554\">(1\u00a0166\u00a0693)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13556 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13558 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.59pt\"></span></span><span class=\"ps13557\">(421)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13560 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.28pt\"></span></span><span class=\"ps13559\">(1\u00a0176\u00a0990)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4294 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Transfer to associated undertakings and joint venture holdings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13562 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.46pt\"></span></span><span class=\"ps13561\">(34\u00a0497)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13563 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13564 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13565 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13566 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.71pt\"></span></span><span class=\"ps10089\">(34\u00a0497)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4301 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Settlements<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13567 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.01pt\"></span></span><span class=\"ps12727\">(30\u00a0111)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13568 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:4.95pt\"></span></span><span class=\"ps4910\">(1\u00a0730\u00a0700)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13569 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.76pt\"></span></span><span class=\"ps12005\">(8\u00a0403)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13570 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.3pt\"></span></span><span class=\"ps4026\">(16\u00a0306)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13572 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.26pt\"></span></span><span class=\"ps13571\">(1\u00a0785\u00a0520)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4307 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deconsolidated of subsidiaries<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13573 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13574 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13575 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.43pt\"></span></span><span class=\"ps12096\">(59\u00a0023)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13576 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.03pt\"></span></span><span class=\"ps9690\">(1\u00a0998)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13578 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.17pt\"></span></span><span class=\"ps13577\">(61\u00a0021)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4313 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Transfers out of level 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13579 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13580 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.39pt\"></span></span><span class=\"ps8435\">(1\u00a0825)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13581 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13582 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13583 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.64pt\"></span></span><span class=\"ps11110\">(1\u00a0825)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4319 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Foreign exchange adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13584 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.88pt\"></span></span><span class=\"ps13453\">(3\u00a0608)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13585 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.18pt\"></span></span><span class=\"ps2227\">(41\u00a0172)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13586 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13587 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.98pt\"></span></span><span class=\"ps1628\">(5\u00a0031)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13589 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.07pt\"></span></span><span class=\"ps13588\">(49\u00a0811)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps4325 ss1757\"><div><div class=\"ps815 ss1747\" style=\"font-size:12pt\"><span class=\"f charStyle-13225c7c ps7\">Balance as at </span><span class=\"f charStyle-13225c7c ps13590\">31 March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13591 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.8pt\"></span></span><span class=\"ps13450\">211\u00a0364<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13593 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.33pt\"></span></span><span class=\"ps13592\">2\u00a0532\u00a0138<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13594 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.06pt\"></span></span><span class=\"ps8484\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13596 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.62pt\"></span></span><span class=\"ps13595\">54\u00a0038<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13597 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.69pt\"></span></span><span class=\"ps10041\">2\u00a0797\u00a0540<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:3pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9700 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Net gains/(losses) in the income statement^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13598 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.28pt\"></span></span><span class=\"ps12406\">10\u00a0926<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13599 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.61pt\"></span></span><span class=\"ps7428\">228\u00a0416<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13600 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13601 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.91pt\"></span></span><span class=\"ps4543\">(570)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13603 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.31pt\"></span></span><span class=\"ps13602\">238\u00a0772<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9704 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Interest income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13604 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13606 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.59pt\"></span></span><span class=\"ps13605\">234\u00a0915<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13607 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13609 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.6pt\"></span></span><span class=\"ps13608\">3\u00a0978<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13610 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.46pt\"></span></span><span class=\"ps3969\">238\u00a0893<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9708 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Investment income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps13611 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.28pt\"></span></span><span class=\"ps12406\">10\u00a0926<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13613 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.94pt\"></span></span><span class=\"ps13612\">(6\u00a0499)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13614 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13616 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.22pt\"></span></span><span class=\"ps13615\">(3\u00a0071)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps13618 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.1pt\"></span></span><span class=\"ps13617\">1\u00a0356<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9712 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Trading income/(loss) arising from customer flow<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13619 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13620 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13621 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13623 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.62pt\"></span></span><span class=\"ps13622\">(1\u00a0477)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps13624 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.12pt\"></span></span><span class=\"ps882\">(1\u00a0477)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4715 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Gains or (losses) in the statement of comprehensive income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13625 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13627 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.1pt\"></span></span><span class=\"ps13626\">(7\u00a0715)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13628 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13629 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13631 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.35pt\"></span></span><span class=\"ps13630\">(7\u00a0715)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9720 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Purchases and originations<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13632 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.71pt\"></span></span><span class=\"ps9402\">7\u00a0043<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13634 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.28pt\"></span></span><span class=\"ps13633\">4\u00a0574\u00a0655<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13635 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13637 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.54pt\"></span></span><span class=\"ps13636\">35\u00a0643<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13639 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.52pt\"></span></span><span class=\"ps13638\">4\u00a0617\u00a0341<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9725 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sales<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13641 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.57pt\"></span></span><span class=\"ps13640\">(14\u00a0029)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13642 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.93pt\"></span></span><span class=\"ps9718\">(1\u00a0116\u00a0954)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13643 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13645 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.41pt\"></span></span><span class=\"ps13644\">(21\u00a0002)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13647 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.4pt\"></span></span><span class=\"ps13646\">(1\u00a0151\u00a0985)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9730 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Settlements<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13648 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.79pt\"></span></span><span class=\"ps10450\">(4\u00a0328)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13649 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:4.41pt\"></span></span><span class=\"ps5463\">(2\u00a0801\u00a0536)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13650 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13652 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.2pt\"></span></span><span class=\"ps13651\">(20\u00a0899)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13653 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.7pt\"></span></span><span class=\"ps7321\">(2\u00a0826\u00a0763)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1382 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Transfers out of level 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13655 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.89pt\"></span></span><span class=\"ps13654\">(9\u00a0335)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13656 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13657 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13658 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13659 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.14pt\"></span></span><span class=\"ps11661\">(9\u00a0335)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9733 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Foreign exchange adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13661 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.08pt\"></span></span><span class=\"ps13660\">464<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13662 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.79pt\"></span></span><span class=\"ps10301\">33\u00a0989<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13663 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13664 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.77pt\"></span></span><span class=\"ps13476\">(3\u00a0455)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13666 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.15pt\"></span></span><span class=\"ps13665\">30\u00a0998<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps9737 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-b7f6e8e5 ps7\">Balance as at 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13668 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.57pt\"></span></span><span class=\"ps13667\">202\u00a0105<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13670 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:3.44pt\"></span></span><span class=\"ps13669\">3\u00a0442\u00a0993<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13671 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.06pt\"></span></span><span class=\"ps8484\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13672 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.44pt\"></span></span><span class=\"ps11594\">43\u00a0755<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13674 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.84pt\"></span></span><span class=\"ps13673\">3\u00a0688\u00a0853<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps13677 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps23\">1</span><span class=\"f charStyle-207fba8f\"><span class=\"ps13676\">.<span style=\"display:inline-block;height:5.81pt;width:9.9pt\"></span></span><span class=\"ps968\">Comprises of other debt securities, derivative financial instruments and securities arising from trading.</span></span></div><div class=\"ps13678 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">The line \u2018net gains/(losses) recognised in the income statement\u2019 has been disaggregated in the current year, with comparatives re-presented accordingly. </span></span></div><div class=\"ps13680 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group transfers between levels within the fair value hierarchy when the observability of inputs change, or if the valuation </span></div><div class=\"ps13681 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps699\">methods change. Transfers are deemed to occur at the end of each semi-annual reporting period.</span></div><div class=\"ps13682 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">During the year ended 31 March 2026, investment portfolio assets of \u00a39.3 million (31 March 2025: \u00a30 million) were transferred from </span></div><div class=\"ps13683 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Level 3 to Level 2 due to the use of broker\u2011observable valuation inputs. In the prior year, loans and advances to customers of </span></div><div class=\"ps13684 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u00a31.8\u00a0million were transferred from Level 3 to Level 2, due to the valuation methodologies being reviewed and broker inputs being </span></div><div class=\"ps13685 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">used to determine the fair value.</span></div><div class=\"ps72 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td></tr><tr style=\"height:18pt\"><td style=\"padding:0\"><div class=\"ps19 ss1766\"><div><div class=\"ps13322 ss1765\"><span class=\"f charStyle-a26246ce ps7\">For the year to<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12405 ss1768\"><div><div class=\"ps989 ss1767\"><span class=\"f charStyle-6f1c08a8 ps13686\">Liabilities arising <span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss1767\"><span class=\"f charStyle-6f1c08a8 ps13687\">on securitisation\u00a0 <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss1767\"><span class=\"f charStyle-6f1c08a8 ps9201\">of other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13689 ss1741\"><div><div class=\"ps989 ss114\"><span class=\"f charStyle-6f1c08a8 ps4327\">Derivative </span></div><div class=\"ps985 ss114\"><span class=\"f charStyle-6f1c08a8 ps13688\">financial </span></div><div class=\"ps983 ss114\"><span class=\"f charStyle-6f1c08a8 ps12499\">instruments</span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps996 ss1741\"><div><div class=\"ps983 ss114\"><span class=\"f charStyle-ef17fa27 ps11290\">Total<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13498 ss1769\"><div><div class=\"ps4014 ss1765\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps998 ss1770\"><div><div class=\"ps815 ss1765\"><span class=\"f charStyle-b7f6e8e5 ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3588 ss1770\"><div><div class=\"ps815 ss1765\" style=\"font-size:12pt\"><span class=\"f charStyle-13225c7c ps7\">Balance as at 1 April </span><span class=\"f charStyle-13225c7c ps13501\">2024<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13691 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.74pt\"></span></span><span class=\"ps13690\">71\u00a0751<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13693 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.84pt\"></span></span><span class=\"ps13692\">934<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13695 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.17pt\"></span></span><span class=\"ps13694\">72\u00a0685<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3593 ss1770\"><div><div class=\"ps815 ss1765\"><span class=\"f charStyle-2b0f4fe0 ps7\">Net (gains)/losses in the income statement^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13697 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.64pt\"></span></span><span class=\"ps13696\">311<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13698 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.14pt\"></span></span><span class=\"ps4270\">29<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13700 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.28pt\"></span></span><span class=\"ps13699\">340<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps3323 ss1770\"><div><div class=\"ps815 ss1765\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Investment income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13701 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.64pt\"></span></span><span class=\"ps13696\">311<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13702 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">(19)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13704 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.57pt\"></span></span><span class=\"ps13703\">292<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps450 ss1770\"><div><div class=\"ps815 ss1765\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Trading income/(loss) arising from customer flow<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13706 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.53pt\"></span></span><span class=\"ps13705\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13708 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.01pt\"></span></span><span class=\"ps13707\">48<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps13709 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.01pt\"></span></span><span class=\"ps13707\">48<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3607 ss1770\"><div><div class=\"ps815 ss1765\"><span class=\"f charStyle-2b0f4fe0 ps7\">Settlements<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13711 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.26pt\"></span></span><span class=\"ps13710\">(7\u00a0638)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13712 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13713 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.51pt\"></span></span><span class=\"ps12285\">(7\u00a0638)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3612 ss1770\"><div><div class=\"ps815 ss1765\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deconsolidation of subsidiaries<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13715 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.13pt\"></span></span><span class=\"ps13714\">(64\u00a0424)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13716 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.07pt\"></span></span><span class=\"ps10403\">(136)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13717 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.7pt\"></span></span><span class=\"ps8347\">(64\u00a0560)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps3617 ss1770\"><div><div class=\"ps815 ss1765\"><span class=\"f charStyle-b7f6e8e5 ps7\">Balance as at 31 March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13719 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.06pt\"></span></span><span class=\"ps13718\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13720 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.68pt\"></span></span><span class=\"ps13470\">827<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13721 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.68pt\"></span></span><span class=\"ps13470\">827<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4577 ss1770\"><div><div class=\"ps815 ss1765\"><span class=\"f charStyle-2b0f4fe0 ps7\">Gains or (losses)\u00a0 In the income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13722 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.53pt\"></span></span><span class=\"ps13705\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13723 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.84pt\"></span></span><span class=\"ps12282\">(293)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13724 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.84pt\"></span></span><span class=\"ps12282\">(293)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps1361 ss1770\"><div><div class=\"ps815 ss1765\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Trading income/(loss) arising from customer flow<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13725 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.53pt\"></span></span><span class=\"ps13705\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13726 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.84pt\"></span></span><span class=\"ps12282\">(293)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13727 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.84pt\"></span></span><span class=\"ps12282\">(293)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13728 ss1770\"><div><div class=\"ps815 ss1765\"><span class=\"f charStyle-b7f6e8e5 ps7\">Balance as at 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13729 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.06pt\"></span></span><span class=\"ps13718\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13730 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.96pt\"></span></span><span class=\"ps13391\">534<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13731 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.96pt\"></span></span><span class=\"ps13391\">534<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps13732 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The following table quantifies the gains or (losses) included in the income statement and other comprehensive income recognised </span></div><div class=\"ps13733 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">on level 3 financial instruments:</span></div><div class=\"ps13795 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:306.75pt\"></td><td style=\"padding:0;width:57pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:57pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss1773\"><div><div class=\"ps809 ss1772\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3973 ss1774\"><div><div class=\"ps11070 ss789\"><span class=\"f charStyle-ef17fa27 ps13734\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13736 ss1775\"><div><div class=\"ps11070 ss286\"><span class=\"f charStyle-6f1c08a8 ps13735\">Realised<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13738 ss1774\"><div><div class=\"ps11070 ss789\"><span class=\"f charStyle-6f1c08a8 ps13737\">Unrealised<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1776\"><div><div class=\"ps4014 ss1772\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss1777\"><div><div class=\"ps997 ss1772\"><span class=\"f charStyle-b7f6e8e5 ps7\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps824 ss1773\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total gains or (losses) included in the income statement for the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps830 ss1773\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interest income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13739 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.21pt\"></span></span><span class=\"ps12169\">238\u00a0893<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13740 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.43pt\"></span></span><span class=\"ps11213\">206\u00a0808<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13741 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.01pt\"></span></span><span class=\"ps11949\">32\u00a0085<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss1773\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13742 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.85pt\"></span></span><span class=\"ps11684\">1\u00a0356<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13743 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.15pt\"></span></span><span class=\"ps838\">(6\u00a0913)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13745 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.64pt\"></span></span><span class=\"ps13744\">8\u00a0269<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps843 ss1773\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">Trading income/(loss) arising from customer flow<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps4010 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.39pt\"></span></span><span class=\"ps13746\">(1\u00a0184)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13748 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.2pt\"></span></span><span class=\"ps13747\">664<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13750 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.15pt\"></span></span><span class=\"ps13749\">(1\u00a0848)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13752 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.28pt\"></span></span><span class=\"ps13751\">239\u00a0065<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13753 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.18pt\"></span></span><span class=\"ps11704\">200\u00a0559<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13754 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24pt\"></span></span><span class=\"ps2480\">38\u00a0506<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps853 ss1773\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total gains or (losses) included in other comprehensive income for the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps858 ss1778\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">Gains on realisation on debt instruments at FVOCI recycled through <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">the\u00a0income\u00a0statement</span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13755 ss1565\"><div><div class=\"ps469 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.5pt\"></span></span><span class=\"ps13235\">(3\u00a0172)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13756 ss1005\"><div><div class=\"ps469 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.5pt\"></span></span><span class=\"ps1664\">(3\u00a0172)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13757 ss1565\"><div><div class=\"ps469 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.53pt\"></span></span><span class=\"ps9378\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps13758 ss1778\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fair value movements on debt instruments at FVOCI taken directly <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">to\u00a0other\u00a0comprehensive income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13759 ss1565\"><div><div class=\"ps469 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.1pt\"></span></span><span class=\"ps13361\">(7\u00a0715)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13761 ss1005\"><div><div class=\"ps469 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:46.53pt\"></span></span><span class=\"ps13760\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13762 ss1565\"><div><div class=\"ps469 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.1pt\"></span></span><span class=\"ps13361\">(7\u00a0715)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13763 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.58pt\"></span></span><span class=\"ps13523\">(10\u00a0887)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13764 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.98pt\"></span></span><span class=\"ps11132\">(3\u00a0172)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13765 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.35pt\"></span></span><span class=\"ps8384\">(7\u00a0715)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11737 ss1773\"><div><div class=\"ps815 ss1772\" style=\"font-size:12pt\"><span class=\"f charStyle-13225c7c ps7\">2025</span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3338 ss1773\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total gains or (losses) included in the income statement for the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13372 ss1773\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interest income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13766 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.34pt\"></span></span><span class=\"ps12186\">213\u00a0436<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13768 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.77pt\"></span></span><span class=\"ps13767\">187\u00a0033<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13769 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.79pt\"></span></span><span class=\"ps10388\">26\u00a0403<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13378 ss1773\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13770 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.14pt\"></span></span><span class=\"ps11733\">23\u00a0351<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13772 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.56pt\"></span></span><span class=\"ps13771\">(10\u00a0284)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13773 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.77pt\"></span></span><span class=\"ps13767\">33\u00a0635<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13383 ss1773\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">Trading income/(loss) arising from customer flow<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13775 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.96pt\"></span></span><span class=\"ps13774\">(742)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13776 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:46.53pt\"></span></span><span class=\"ps13760\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps6954 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.96pt\"></span></span><span class=\"ps13774\">(742)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13778 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.15pt\"></span></span><span class=\"ps13777\">236\u00a0045<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13779 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.26pt\"></span></span><span class=\"ps9487\">176\u00a0749<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13780 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.43pt\"></span></span><span class=\"ps11213\">59\u00a0296<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13393 ss1773\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total gains or (losses) included in other comprehensive income for the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps3637 ss1778\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">Gains on realisation on debt instruments at FVOCI recycled through <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">the\u00a0income\u00a0statement</span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13782 ss1565\"><div><div class=\"ps469 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.31pt\"></span></span><span class=\"ps13781\">268<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13784 ss1005\"><div><div class=\"ps469 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.31pt\"></span></span><span class=\"ps13783\">268<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13785 ss1565\"><div><div class=\"ps469 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.53pt\"></span></span><span class=\"ps9378\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps1070 ss1778\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fair value movements on debt instruments at FVOCI taken directly <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">to\u00a0other\u00a0comprehensive income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13787 ss1565\"><div><div class=\"ps469 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.76pt\"></span></span><span class=\"ps13786\">19\u00a0118<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13788 ss1005\"><div><div class=\"ps469 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:46.53pt\"></span></span><span class=\"ps13760\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps6974 ss1565\"><div><div class=\"ps469 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.76pt\"></span></span><span class=\"ps13786\">19\u00a0118<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13790 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.37pt\"></span></span><span class=\"ps13789\">19\u00a0386<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13792 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.94pt\"></span></span><span class=\"ps13791\">268<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13794 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.92pt\"></span></span><span class=\"ps13793\">19\u00a0118<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps5918 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Level 2 financial assets and financial liabilities</span></div><div class=\"ps5919 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The following table sets out the Group\u2019s principal valuation techniques as at <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps13798\">31 March 2026</span><span class=\"f charStyle-33e1c6d6 ps13799\"> used in determining the fair value </span></div><div class=\"ps5920 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of\u00a0its\u00a0financial assets and financial liabilities that are classified within level 2 of the fair value hierarchy:</span></div><div class=\"ps13675 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:164.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:153.75pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:153.75pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps13800 ss777\"><div><div class=\"ps809 ss86\"><span class=\"f charStyle-a26246ce ps11539\">VALUATION BASIS/TECHNIQUES<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13802 ss777\"><div><div class=\"ps809 ss86\"><span class=\"f charStyle-a26246ce ps13801\">MAIN INPUTS<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td colspan=\"5\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1779\"><div><div class=\"ps809 ss1718\"><span class=\"f charStyle-a26246ce ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps213 ss1781\"><div><div class=\"ps2632 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">Reverse repurchase agreements and cash <span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">collateral on securities borrowed<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13803 ss1782\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13804 ss1782\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rates<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps2492 ss1783\"><div><div class=\"ps2632 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">Bank debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps13805 ss1784\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps13806 ss1784\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rates<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13807 ss1781\"><div><div class=\"ps2632 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13808 ss1782\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Externally sourced price<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13809 ss1782\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rates<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Broker quotes<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:41.25pt\"><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps4656 ss1785\"><div><div class=\"ps2632 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments and fair value <span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">adjustment for asset portfolio hedged risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps13810 ss1786\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Industry standard derivatives <span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">pricing\u00a0models<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps13811 ss1786\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rate<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Volatilities<span class=\"f ps2\"> </span></span></div><div class=\"ps5431 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Underlying spot and forward prices<span class=\"f ps2\"> </span></span></div><div class=\"ps5432 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit curves<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13812 ss1781\"><div><div class=\"ps2632 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securities arising from trading activities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13813 ss1782\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13814 ss1782\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rate<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit curves<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:32.25pt\"><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps289 ss1787\"><div><div class=\"ps2632 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps13815 ss1788\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model <span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Net asset value model<span class=\"f ps2\"> </span></span></div><div class=\"ps5431 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Comparable quoted inputs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps13816 ss1788\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rate and net assets<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rate and fund unit price<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:32.25pt\"><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps6665 ss1787\"><div><div class=\"ps2632 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13817 ss1788\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13818 ss1788\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Yield curves<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Broker quotes<span class=\"f ps2\"> </span></span></div><div class=\"ps5431 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit curves<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td colspan=\"5\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13819 ss1779\"><div><div class=\"ps809 ss1718\"><span class=\"f charStyle-a26246ce ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:41.25pt\"><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13820 ss1785\"><div><div class=\"ps2632 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments and fair value <span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">adjustment for liability portfolio hedged risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13821 ss1786\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Industry standard derivative <span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">pricing\u00a0models<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13822 ss1786\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rate<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Volatilities<span class=\"f ps2\"> </span></span></div><div class=\"ps5431 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Underlying spot and forward prices<span class=\"f ps2\"> </span></span></div><div class=\"ps5432 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit curves<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:59.25pt\"><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps13823 ss1789\"><div><div class=\"ps2632 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">Debt securities in issue<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps13824 ss1790\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Industry standard derivative <span class=\"f ps2\"> </span></span></div><div class=\"ps5431 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">pricing\u00a0models<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps13825 ss1790\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rate<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Risk-free rate <span class=\"f ps2\"> </span></span></div><div class=\"ps5431 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Volatilities<span class=\"f ps2\"> </span></span></div><div class=\"ps5432 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Forex forward points and spot rates <span class=\"f ps2\"> </span></span></div><div class=\"ps5433 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interest rate swap curves<span class=\"f ps2\"> </span></span></div><div class=\"ps5434 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit curves<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps5918 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Sensitivity of fair values to reasonably possible alternative assumptions by level 3 instrument type</span></div><div class=\"ps5919 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The fair value of financial instruments in level 3 are measured using valuation techniques that incorporate assumptions that are </span></div><div class=\"ps5920 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">not\u00a0evidenced by prices from observable market data. The following table shows the sensitivity of these fair values to reasonably </span></div><div class=\"ps13827 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">possible alternative assumptions, determined at a transactional level. Reasonable possible changes are determined depending on </span></div><div class=\"ps13828 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the nature of the instrument, for example, for credit related inputs, this is a one rating grade movement up or down. In other </span></div><div class=\"ps13829 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">instances, the extent of a reasonable change is based on market experience.</span></div><div class=\"ps14015 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:74.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:77.25pt\"></td><td style=\"padding:0;width:123.75pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:27.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss293\"><div><div class=\"ps983 ss292\"><span class=\"f charStyle-a26246ce ps7\">At 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13832 ss1791\"><div><div class=\"ps985 ss818\"><span class=\"f charStyle-6f1c08a8 ps13830\">Balance sheet <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss818\"><span class=\"f charStyle-6f1c08a8 ps13831\">value \u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13833 ss814\"><div><div class=\"ps983 ss170\"><span class=\"f charStyle-8d4b9b37 ps7\">Valuation technique<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13834 ss1793\"><div><div class=\"ps983 ss1792\"><span class=\"f charStyle-6f1c08a8 ps7\">Significant unobservable input<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13835 ss1794\"><div><div class=\"ps989 ss844\"><span class=\"f charStyle-6f1c08a8 ps7\">Range of <span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss844\"><span class=\"f charStyle-6f1c08a8 ps7\">unobservable <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss844\"><span class=\"f charStyle-6f1c08a8 ps7\">input used<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13839 ss1791\"><div><div class=\"ps989 ss818\"><span class=\"f charStyle-ef17fa27 ps13836\">Favourable<span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss818\"><span class=\"f charStyle-ef17fa27 ps13837\"> changes<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss818\"><span class=\"f charStyle-ef17fa27 ps13838\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13841 ss1795\"><div><div class=\"ps989 ss1310\"><span class=\"f charStyle-ef17fa27 ps13669\">Unfavourable<span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss1310\"><span class=\"f charStyle-ef17fa27 ps9506\">changes<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss1310\"><span class=\"f charStyle-ef17fa27 ps13840\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps998 ss303\"><div><div class=\"ps809 ss292\"><span class=\"f charStyle-ef17fa27 ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"><div class=\"ps3588 ss1796\"><div><div class=\"ps3981 ss292\"><span class=\"f charStyle-dc443274 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13843 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:24.93pt\"></span></span><span class=\"ps13842\">37\u00a0964<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13844 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13846 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:29.47pt\"></span></span><span class=\"ps13845\">1\u00a0286<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13848 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.81pt\"></span></span><span class=\"ps13847\">(1\u00a0663)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13849 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flows<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13850 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Credit spreads<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13851 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">0.47% - 1.27% <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13853 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:37.46pt\"></span></span><span class=\"ps13852\">53<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13855 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:36.91pt\"></span></span><span class=\"ps13854\">(89)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13856 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13857 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13858 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">^^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13860 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:33.82pt\"></span></span><span class=\"ps13859\">892<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13862 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.78pt\"></span></span><span class=\"ps13861\">(1\u00a0408)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13863 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13864 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13865 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13866 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:34.61pt\"></span></span><span class=\"ps10363\">341<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13867 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:34.26pt\"></span></span><span class=\"ps13710\">(166)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:6.75pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:17.25pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps1597 ss1800\"><div><div class=\"ps9792 ss292\"><span class=\"f charStyle-dc443274 ps7\">Derivative financial <span class=\"f ps2\"> </span></span></div><div class=\"ps3829 ss292\"><span class=\"f charStyle-dc443274 ps7\">instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13868 ss1602\"><div><div class=\"ps3829 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:29.56pt\"></span></span><span class=\"ps873\">1\u00a0374<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13869 ss1801\"><div><div class=\"ps3829 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13871 ss1602\"><div><div class=\"ps3829 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:34.09pt\"></span></span><span class=\"ps13870\">788<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13873 ss1802\"><div><div class=\"ps3829 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:40.3pt\"></span></span><span class=\"ps13872\">\u2014<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13874 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13875 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13876 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13877 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:34.09pt\"></span></span><span class=\"ps13870\">788<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13878 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:40.3pt\"></span></span><span class=\"ps13872\">\u2014<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:6.75pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td rowspan=\"5\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps12168 ss1803\"><div><div class=\"ps393 ss292\"><span class=\"f charStyle-dc443274 ps7\">Investment portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13879 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:22.2pt\"></span></span><span class=\"ps9977\">202\u00a0105<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13880 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13882 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:24.72pt\"></span></span><span class=\"ps13881\">23\u00a0459<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13883 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:24.84pt\"></span></span><span class=\"ps3221\">(45\u00a0677)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13884 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Price earnings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13885 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">EBITDA multiple<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13886 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">7.89x - 8.5x<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13888 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.45pt\"></span></span><span class=\"ps13887\">5\u00a0048<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13890 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.87pt\"></span></span><span class=\"ps13889\">(7\u00a0775)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13891 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Price earnings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13892 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">EBITDA multiple<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13893 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">3.4x<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13895 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:34.2pt\"></span></span><span class=\"ps13894\">572<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13896 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:29.71pt\"></span></span><span class=\"ps12291\">(1\u00a0144)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13897 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">EBITDA multiple<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13898 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Change in EBITDA<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13899 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">17.5% - 25%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13901 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.36pt\"></span></span><span class=\"ps13900\">3\u00a0282<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13903 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:29.2pt\"></span></span><span class=\"ps13902\">(6\u00a0271)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13904 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flow<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13905 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Discount rate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13906 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">10% - 15%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13908 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:34.68pt\"></span></span><span class=\"ps13907\">130<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13910 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:34.25pt\"></span></span><span class=\"ps13909\">(261)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13911 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Net asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13912 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13913 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">^^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13915 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.18pt\"></span></span><span class=\"ps13914\">4\u00a0339<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13916 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:26.41pt\"></span></span><span class=\"ps12687\">(10\u00a0174)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13917 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Net asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13918 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Discount rate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13919 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">20% - 30%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13921 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.25pt\"></span></span><span class=\"ps13920\">3\u00a0630<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13923 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.19pt\"></span></span><span class=\"ps13922\">(7\u00a0260)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13924 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13925 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Discount rate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13926 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">10%</span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13927 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.55pt\"></span></span><span class=\"ps8478\">3\u00a0732<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13928 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.13pt\"></span></span><span class=\"ps12181\">(7\u00a0466)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13929 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13930 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13931 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13932 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.78pt\"></span></span><span class=\"ps13861\">2\u00a0726<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13933 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:27.9pt\"></span></span><span class=\"ps11424\">(5\u00a0326)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:6.75pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:17.25pt\"><td style=\"padding:0\"><div class=\"ps2392 ss1800\"><div><div class=\"ps9792 ss292\"><span class=\"f charStyle-dc443274 ps7\">Loans and advances to <span class=\"f ps2\"> </span></span></div><div class=\"ps3829 ss292\"><span class=\"f charStyle-dc443274 ps7\">customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13934 ss1602\"><div><div class=\"ps3829 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:15.44pt\"></span></span><span class=\"ps11735\">3\u00a0442\u00a0993<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13935 ss1801\"><div><div class=\"ps3829 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13936 ss1602\"><div><div class=\"ps3829 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:25.8pt\"></span></span><span class=\"ps11518\">12\u00a0359<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13937 ss1802\"><div><div class=\"ps3829 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:26pt\"></span></span><span class=\"ps11952\">(17\u00a0755)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13938 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flow<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13939 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Credit spreads<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13940 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">0.13% - 4.01% <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13942 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.57pt\"></span></span><span class=\"ps13941\">8\u00a0526<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13943 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:25.02pt\"></span></span><span class=\"ps10101\">(13\u00a0232)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13944 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flow<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13945 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Discount rate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13946 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">10.0%</span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13948 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:34.11pt\"></span></span><span class=\"ps13947\">876<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13950 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:29pt\"></span></span><span class=\"ps13949\">(1\u00a0529)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13951 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Net asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13952 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13953 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">^^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13954 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.87pt\"></span></span><span class=\"ps13889\">2\u00a0957<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13956 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:27.84pt\"></span></span><span class=\"ps13955\">(2\u00a0994)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:17.25pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13957 ss1801\"><div><div class=\"ps9792 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on other comprehensive <span class=\"f ps2\"> </span></span></div><div class=\"ps3829 ss1792\"><span class=\"f charStyle-dc443274 ps7\">income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13959 ss1602\"><div><div class=\"ps3829 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:27.36pt\"></span></span><span class=\"ps13958\">17\u00a0071<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13960 ss1802\"><div><div class=\"ps3829 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:24.92pt\"></span></span><span class=\"ps11079\">(27\u00a0257)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13961 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flows<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13962 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Credit spreads<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13963 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">0.14% - 4.43%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13964 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:27.36pt\"></span></span><span class=\"ps13958\">17\u00a0071<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13965 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:24.92pt\"></span></span><span class=\"ps11079\">(27\u00a0257)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:6.75pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps3672 ss303\"><div><div class=\"ps4131 ss292\"><span class=\"f charStyle-dc443274 ps7\">Other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13967 ss929\"><div><div class=\"ps4131 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:29.58pt\"></span></span><span class=\"ps13966\">4\u00a0417<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13968 ss1804\"><div><div class=\"ps4131 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13970 ss929\"><div><div class=\"ps4131 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.47pt\"></span></span><span class=\"ps13969\">2\u00a0062<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13971 ss1805\"><div><div class=\"ps4131 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:33.46pt\"></span></span><span class=\"ps9361\">(794)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13972 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flows<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13973 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Cash flow adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13974 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">47.71% CPR<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13975 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:29.66pt\"></span></span><span class=\"ps875\">1\u00a0673<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13976 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:33.46pt\"></span></span><span class=\"ps9361\">(467)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13977 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13978 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13979 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">^^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13980 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:33.71pt\"></span></span><span class=\"ps5541\">389<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13981 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:33.43pt\"></span></span><span class=\"ps12409\">(327)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:6.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13982 ss1796\"><div><div class=\"ps4014 ss292\"><span class=\"f charStyle-a26246ce ps7\">Total level 3 assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13984 ss1597\"><div><div class=\"ps4014 ss818\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:11.32pt\"></span></span><span class=\"ps13983\">3\u00a0688\u00a0853<span style=\"display:inline-block;height:6.29pt;width:2.65pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13986 ss1597\"><div><div class=\"ps4014 ss818\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:21.94pt\"></span></span><span class=\"ps13985\">57\u00a0025<span style=\"display:inline-block;height:6.29pt;width:2.65pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13988 ss1798\"><div><div class=\"ps4014 ss1310\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:21.13pt\"></span></span><span class=\"ps13987\">(93\u00a0146)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"><div class=\"ps13989 ss1796\"><div><div class=\"ps4014 ss292\"><span class=\"f charStyle-ef17fa27 ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:17.25pt\"><td style=\"padding:0\"><div class=\"ps12310 ss1800\"><div><div class=\"ps9792 ss292\"><span class=\"f charStyle-dc443274 ps7\">Derivative financial <span class=\"f ps2\"> </span></span></div><div class=\"ps3829 ss292\"><span class=\"f charStyle-dc443274 ps7\">instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13993 ss1602\"><div><div class=\"ps3829 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:33.71pt\"></span></span><span class=\"ps5541\">534<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13994 ss1801\"><div><div class=\"ps3829 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13996 ss1602\"><div><div class=\"ps3829 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:35.48pt\"></span></span><span class=\"ps13995\">(50)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13997 ss1802\"><div><div class=\"ps3829 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:40.3pt\"></span></span><span class=\"ps13872\">\u2014<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13998 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13999 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14000 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14001 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:35.48pt\"></span></span><span class=\"ps13995\">(50)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14002 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:40.3pt\"></span></span><span class=\"ps13872\">\u2014<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:6.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps12825 ss1796\"><div><div class=\"ps4014 ss292\"><span class=\"f charStyle-a26246ce ps7\">Total level 3 liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14004 ss1597\"><div><div class=\"ps4014 ss818\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:31.36pt\"></span></span><span class=\"ps14003\">534<span style=\"display:inline-block;height:6.29pt;width:2.65pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14006 ss1597\"><div><div class=\"ps4014 ss818\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:32.92pt\"></span></span><span class=\"ps14005\">(50)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14008 ss1798\"><div><div class=\"ps4014 ss1310\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:39.22pt\"></span></span><span class=\"ps14007\">\u2014<span style=\"display:inline-block;height:6.29pt;width:2.65pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14009 ss1796\"><div><div class=\"ps4014 ss292\"><span class=\"f charStyle-a26246ce ps7\">Net level 3 assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14011 ss1597\"><div><div class=\"ps4014 ss818\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:12.32pt\"></span></span><span class=\"ps14010\">3\u00a0688\u00a0319<span style=\"display:inline-block;height:6.29pt;width:2.65pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14013 ss1597\"><div><div class=\"ps4014 ss818\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:21.92pt\"></span></span><span class=\"ps14012\">56\u00a0975<span style=\"display:inline-block;height:6.29pt;width:2.65pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14014 ss1798\"><div><div class=\"ps4014 ss1310\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:21.13pt\"></span></span><span class=\"ps13987\">(93\u00a0146)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps14016 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">The valuation sensitivity has been assessed by adjusting various inputs such as net asset value and probability of recovery rather than a single input. It is deemed </span></span></div><div class=\"ps14017 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">appropriate to reflect the outcome on a portfolio basis for the purposes of this analysis as the sensitivity of the assets cannot be determined through the adjustment of <span class=\"f ps2\"> </span></span></div><div class=\"ps14018 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">a single input.</span></div><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^^<span style=\"display:inline-block;height:5.81pt;width:8.83pt\"></span></span><span class=\"ps968\">Underlying asset values are calculated by reference to a tangible asset, for example, property, aircraft or shares</span></span><div class=\"ps72 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:83.25pt\"></td><td style=\"padding:0;width:42.75pt\"></td><td style=\"padding:0;width:75pt\"></td><td style=\"padding:0;width:114.75pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:27.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss1806\"><div><div class=\"ps983 ss172\"><span class=\"f charStyle-a26246ce ps7\">At 31 March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14025 ss1807\"><div><div class=\"ps989 ss717\"><span class=\"f charStyle-6f1c08a8 ps14022\">Balance <span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss717\"><span class=\"f charStyle-6f1c08a8 ps14023\">sheet value <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss717\"><span class=\"f charStyle-6f1c08a8 ps14024\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14026 ss1808\"><div><div class=\"ps985 ss212\"><span class=\"f charStyle-8d4b9b37 ps7\">Principle valuation <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss212\"><span class=\"f charStyle-8d4b9b37 ps7\">technique<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps8728 ss1809\"><div><div class=\"ps985 ss1523\"><span class=\"f charStyle-6f1c08a8 ps7\">Significant <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss1523\"><span class=\"f charStyle-6f1c08a8 ps7\">unobservable input<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14027 ss1811\"><div><div class=\"ps989 ss1810\"><span class=\"f charStyle-6f1c08a8 ps7\">Range of <span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss1810\"><span class=\"f charStyle-6f1c08a8 ps7\">unobservable <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss1810\"><span class=\"f charStyle-6f1c08a8 ps7\">input used<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps4195 ss1813\"><div><div class=\"ps989 ss1812\"><span class=\"f charStyle-ef17fa27 ps14028\">Favourable<span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss1812\"><span class=\"f charStyle-ef17fa27 ps14029\"> changes<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss1812\"><span class=\"f charStyle-ef17fa27 ps14030\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11073 ss1814\"><div><div class=\"ps989 ss943\"><span class=\"f charStyle-ef17fa27 ps12872\">Unfavourable<span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss943\"><span class=\"f charStyle-ef17fa27 ps14031\">changes<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss943\"><span class=\"f charStyle-ef17fa27 ps820\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps998 ss1815\"><div><div class=\"ps809 ss172\"><span class=\"f charStyle-ef17fa27 ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"><div class=\"ps3588 ss1816\"><div><div class=\"ps3981 ss172\"><span class=\"f charStyle-dc443274 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14032 ss1817\"><div><div class=\"ps3981 ss717\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:17.53pt\"></span></span><span class=\"ps3237\">47\u00a0686<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14033 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps14034 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:25.96pt\"></span></span><span class=\"ps5728\">1\u00a0918<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps14035 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:27.93pt\"></span></span><span class=\"ps13531\">(3\u00a0213)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14036 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flows<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14037 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Credit spreads<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14038 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">0.36% - 1.5%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14040 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:33.36pt\"></span></span><span class=\"ps14039\">57<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14041 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:33.56pt\"></span></span><span class=\"ps11958\">(105)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14042 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flows<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14043 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Cash flow adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14044 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">CPR 13.94%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14046 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:29.42pt\"></span></span><span class=\"ps14045\">256<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14047 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:33.41pt\"></span></span><span class=\"ps963\">(164)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14048 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14049 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14050 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">^^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14051 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:25.86pt\"></span></span><span class=\"ps5905\">1\u00a0361<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14053 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:27.41pt\"></span></span><span class=\"ps14052\">(2\u00a0700)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14054 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14055 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14056 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14057 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:29.14pt\"></span></span><span class=\"ps9358\">244<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps14058 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:32.32pt\"></span></span><span class=\"ps9306\">(244)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:6.75pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td rowspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps3327 ss1823\"><div><div class=\"ps393 ss172\"><span class=\"f charStyle-dc443274 ps7\">Derivative financial <span class=\"f ps2\"> </span></span></div><div class=\"ps1940 ss172\"><span class=\"f charStyle-dc443274 ps7\">instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps14059 ss1817\"><div><div class=\"ps3981 ss717\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:20.97pt\"></span></span><span class=\"ps13019\">6\u00a0352<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps14060 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14061 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:25.03pt\"></span></span><span class=\"ps4681\">1\u00a0058<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14063 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:32.77pt\"></span></span><span class=\"ps14062\">(702)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14064 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Option pricing model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14065 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Volatilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14066 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">7.5% - 16.95%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14067 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:34.3pt\"></span></span><span class=\"ps889\">\u2014<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14069 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:40.81pt\"></span></span><span class=\"ps14068\">(1)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14070 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14071 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14072 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">^^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14074 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:37.63pt\"></span></span><span class=\"ps14073\">1<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14076 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:39.71pt\"></span></span><span class=\"ps14075\">(3)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14077 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14078 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14079 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14081 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:25.33pt\"></span></span><span class=\"ps14080\">1\u00a0057<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps14083 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:32.51pt\"></span></span><span class=\"ps14082\">(698)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:6.75pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps2618 ss1816\"><div><div class=\"ps3981 ss172\"><span class=\"f charStyle-dc443274 ps7\">Investment portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps14085 ss1817\"><div><div class=\"ps3981 ss717\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:15.45pt\"></span></span><span class=\"ps14084\">211\u00a0364<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps14086 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14088 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:21.49pt\"></span></span><span class=\"ps14087\">25\u00a0512<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14090 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:24.56pt\"></span></span><span class=\"ps14089\">(50\u00a0819)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14091 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Price earnings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14092 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Price earnings multiple<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14093 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">1.6x - 7.5x<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14095 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:24.09pt\"></span></span><span class=\"ps14094\">5\u00a0662<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14096 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:24.47pt\"></span></span><span class=\"ps11663\">(10\u00a0660)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14097 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Price earnings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14098 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Change in EBITDA <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14099 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">3.3x - 7.8x<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14100 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:24.27pt\"></span></span><span class=\"ps11901\">2\u00a0768<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14102 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:27.32pt\"></span></span><span class=\"ps14101\">(5\u00a0502)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14103 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flows<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14104 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Discount rate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14105 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">10% - 15%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14107 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:23.72pt\"></span></span><span class=\"ps14106\">4\u00a0446<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14108 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:27.94pt\"></span></span><span class=\"ps2453\">(8\u00a0314)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14109 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14110 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14111 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">^^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14112 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:23.86pt\"></span></span><span class=\"ps12087\">9\u00a0320<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14113 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:24.67pt\"></span></span><span class=\"ps818\">(18\u00a0487)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14114 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14115 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14116 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14118 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:24.76pt\"></span></span><span class=\"ps14117\">3\u00a0316<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps14120 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:27.54pt\"></span></span><span class=\"ps14119\">(7\u00a0856)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:6.75pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td rowspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps6660 ss1823\"><div><div class=\"ps393 ss172\"><span class=\"f charStyle-dc443274 ps7\">Loans and advances to <span class=\"f ps2\"> </span></span></div><div class=\"ps1940 ss172\"><span class=\"f charStyle-dc443274 ps7\">customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps14122 ss1817\"><div><div class=\"ps3981 ss717\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:9.17pt\"></span></span><span class=\"ps14121\">2\u00a0532\u00a0138<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps14123 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14124 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:22.28pt\"></span></span><span class=\"ps9500\">10\u00a0221<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14125 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:25.65pt\"></span></span><span class=\"ps12208\">(18\u00a0713)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14126 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flows<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14127 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Credit spreads<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14128 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">0.14% - 4.65%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14129 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:23.89pt\"></span></span><span class=\"ps12563\">6\u00a0263<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14130 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:25.39pt\"></span></span><span class=\"ps11549\">(14\u00a0212)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14131 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flows<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14132 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Credit spreads<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14133 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">37.3%</span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14134 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:25.44pt\"></span></span><span class=\"ps11869\">1\u00a0557<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14135 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.62pt\"></span></span><span class=\"ps3220\">(1\u00a0557)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14136 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Price earnings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14137 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Price earnings multiple<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14138 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">4.5x<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14139 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:29.71pt\"></span></span><span class=\"ps12291\">675<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14141 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:30.11pt\"></span></span><span class=\"ps14140\">(1\u00a0101)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14142 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14143 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14144 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">^^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14146 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:25.27pt\"></span></span><span class=\"ps14145\">1\u00a0726<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps14147 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:27.94pt\"></span></span><span class=\"ps2453\">(1\u00a0843)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:17.25pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14148 ss1824\"><div><div class=\"ps9792 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on other <span class=\"f ps2\"> </span></span></div><div class=\"ps3829 ss1523\"><span class=\"f charStyle-dc443274 ps7\">comprehensive income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14149 ss1825\"><div><div class=\"ps3829 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:22.88pt\"></span></span><span class=\"ps12175\">17\u00a0712<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14150 ss1826\"><div><div class=\"ps3829 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:23.86pt\"></span></span><span class=\"ps12087\">(32\u00a0737)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"background-color:#FFFFFF;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14151 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flows<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14152 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Credit spreads<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14153 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">0.16% - 5.72%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14154 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:22.88pt\"></span></span><span class=\"ps12175\">17\u00a0712<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14155 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:23.86pt\"></span></span><span class=\"ps12087\">(32\u00a0737)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:6.75pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14156 ss1816\"><div><div class=\"ps4014 ss172\"><span class=\"f charStyle-a26246ce ps7\">Total level 3 assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14157 ss1817\"><div><div class=\"ps4014 ss717\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:4.57pt\"></span></span><span class=\"ps17\">2\u00a0797\u00a0540<span style=\"display:inline-block;height:6.29pt;width:2.65pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#c3d0d7;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14159 ss1819\"><div><div class=\"ps4014 ss1812\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:18.08pt\"></span></span><span class=\"ps14158\">56\u00a0421<span style=\"display:inline-block;height:6.29pt;width:2.65pt\"></span></span></span></div></div></div></td><td style=\"background-color:#c3d0d7;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14160 ss1820\"><div><div class=\"ps4014 ss943\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:17.01pt\"></span></span><span class=\"ps1497\">(106\u00a0184)</span></span></div></div></div></td><td style=\"background-color:#c3d0d7;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"><div class=\"ps12213 ss1816\"><div><div class=\"ps4014 ss172\"><span class=\"f charStyle-ef17fa27 ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:17.25pt\"><td style=\"padding:0\"><div class=\"ps11254 ss1827\"><div><div class=\"ps393 ss172\"><span class=\"f charStyle-dc443274 ps7\">Derivative financial <span class=\"f ps2\"> </span></span></div><div class=\"ps1940 ss172\"><span class=\"f charStyle-dc443274 ps7\">instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14162 ss1828\"><div><div class=\"ps3829 ss717\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:26.6pt\"></span></span><span class=\"ps14161\">827<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14164 ss1824\"><div><div class=\"ps3829 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps14166 ss1825\"><div><div class=\"ps3829 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:31.9pt\"></span></span><span class=\"ps14165\">(12)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps14168 ss1826\"><div><div class=\"ps3829 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:39.55pt\"></span></span><span class=\"ps14167\">\u2014<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14169 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14170 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14171 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14172 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:31.9pt\"></span></span><span class=\"ps14165\">(12)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14173 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:39.55pt\"></span></span><span class=\"ps14167\">\u2014<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:6pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14174 ss1816\"><div><div class=\"ps4014 ss172\"><span class=\"f charStyle-a26246ce ps7\">Total level 3 liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14175 ss1817\"><div><div class=\"ps4014 ss717\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:24.48pt\"></span></span><span class=\"ps12509\">827<span style=\"display:inline-block;height:6.29pt;width:2.65pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#c3d0d7;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14176 ss1819\"><div><div class=\"ps4014 ss1812\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:29.8pt\"></span></span><span class=\"ps9979\">(12)</span></span></div></div></div></td><td style=\"background-color:#c3d0d7;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14178 ss1820\"><div><div class=\"ps4014 ss943\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:38.47pt\"></span></span><span class=\"ps14177\">\u2014<span style=\"display:inline-block;height:6.29pt;width:2.65pt\"></span></span></span></div></div></div></td><td style=\"background-color:#c3d0d7;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14179 ss1816\"><div><div class=\"ps4014 ss172\"><span class=\"f charStyle-a26246ce ps7\">Net level 3 assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14181 ss1817\"><div><div class=\"ps4014 ss717\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:5.87pt\"></span></span><span class=\"ps14180\">2\u00a0796\u00a0713<span style=\"display:inline-block;height:6.29pt;width:2.65pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#c3d0d7;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14182 ss1819\"><div><div class=\"ps4014 ss1812\"><span class=\"f charStyle-a26246ce ps1625\">56\u00a0409<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#c3d0d7;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14183 ss1820\"><div><div class=\"ps4014 ss943\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:17.01pt\"></span></span><span class=\"ps1497\">(106\u00a0184)</span></span></div></div></div></td><td style=\"background-color:#c3d0d7;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps14184 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">The valuation sensitivity has been assessed by adjusting various inputs such as net asset value and probability of recovery rather than a single input. It is deemed </span></span></div><div class=\"ps14185 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">appropriate to reflect the outcome on a portfolio basis for the purposes of this analysis as the sensitivity of the assets cannot be determined through the adjustment </span></div><div class=\"ps14186 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">of\u00a0a single input.</span></div><div class=\"ps14187 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^^<span style=\"display:inline-block;height:5.81pt;width:8.83pt\"></span></span><span class=\"ps968\">Underlying asset values are calculated by reference to a tangible asset, for example, property, aircraft or shares.</span></span></div><div class=\"ps979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In determining the value of level 3 financial instruments, the following are the principal inputs that can require judgement:</span></div><div class=\"ps3353 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Credit spreads</span></div><div class=\"ps3354 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Credit spreads reflect the additional yield that a market participant would demand for taking exposure to the credit risk of an </span></div><div class=\"ps5921 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">instrument. The credit spread for an instrument forms part of the yield used in a discounted cash flow calculation. In general, </span></div><div class=\"ps14189 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">a\u00a0significant increase in a credit spread in isolation will result in a movement in fair value that is unfavourable for the holder </span></div><div class=\"ps14190 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of\u00a0a\u00a0financial instrument. It is an unobservable input into a discounted cash flow valuation.</span></div><div class=\"ps14191 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Discount rates</span></div><div class=\"ps14192 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Discount rates are used to adjust for the time value of money when using a discounted cash flow valuation method. Where </span></div><div class=\"ps14193 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">relevant, the discount rate also accounts for illiquidity, market conditions and uncertainty of future cash flows.</span></div><div class=\"ps14194 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Volatilities</span></div><div class=\"ps14195 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Volatility is a key input in the valuation of derivative products containing optionality. Volatility is a measure of the variability or </span></div><div class=\"ps14196 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">uncertainty in returns for a given derivative underlying. It represents an estimate of how much a particular underlying instrument, </span></div><div class=\"ps14197 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">parameter or index will change in value over time.</span></div><div class=\"ps14198 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Cash flows</span></div><div class=\"ps14199 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Cash flows relates to the future cash flows that can be expected from the instrument and requires judgement. Cash flows are\u00a0input </span></div><div class=\"ps14200 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">into a discounted cash flow valuation.</span></div><div class=\"ps14201 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Price earnings multiple</span></div><div class=\"ps14202 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The price-to-earnings ratio is an equity valuation multiple used in the adjustment of underlying market prices. It is a key driver in\u00a0the </span></div><div class=\"ps14203 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">valuation of unlisted investments.</span></div><div class=\"ps14204 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Underlying asset value</span></div><div class=\"ps14205 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In instances where cash flows have links to referenced assets, the underlying asset value is used to determine the fair value. </span></div><div class=\"ps14206 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps699\">The underlying asset valuation is derived using observable market prices sourced from broker quotes, specialist valuers or other </span></div><div class=\"ps14207 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reliable pricing sources.</span></div><div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_268\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">14<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps14210\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps14211\">Fair value of financial instruments at amortised cost<span class=\"f ps2\"> </span></span></div><div class=\"ps72 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:118.5pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"4\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps13835 ss1829\"><div><div class=\"ps809 ss1029\"><span class=\"f charStyle-a26246ce ps13299\">Level within the fair value hierarchy<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:41.25pt\"><td style=\"padding:0\"><div class=\"ps816 ss1830\"><div><div class=\"ps14212 ss713\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">At 31 March 2026</span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14217 ss1831\"><div><div class=\"ps14214 ss1310\"><span class=\"f charStyle-a26246ce ps14213\">Carrying <span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss1310\"><span class=\"f charStyle-a26246ce ps14215\">amount<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14222 ss1831\"><div><div class=\"ps14218 ss1310\"><span class=\"f charStyle-a26246ce ps11470\">Fair value <span class=\"f ps2\"> </span></span></div><div class=\"ps14220 ss1310\"><span class=\"f charStyle-a26246ce ps14219\">approximates <span class=\"f ps2\"> </span></span></div><div class=\"ps14214 ss1310\"><span class=\"f charStyle-a26246ce ps14221\">carrying <span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss1310\"><span class=\"f charStyle-a26246ce ps14215\">amount<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14227 ss1831\"><div><div class=\"ps809 ss1310\"><span class=\"f charStyle-a26246ce ps14223\">Balances <span class=\"f ps2\"> </span></span></div><div class=\"ps14224 ss1310\"><span class=\"f charStyle-a26246ce ps128\">where fair <span class=\"f ps2\"> </span></span></div><div class=\"ps14218 ss1310\"><span class=\"f charStyle-a26246ce ps14225\">values do not <span class=\"f ps2\"> </span></span></div><div class=\"ps14220 ss1310\"><span class=\"f charStyle-a26246ce ps14226\">approximate <span class=\"f ps2\"> </span></span></div><div class=\"ps14214 ss1310\"><span class=\"f charStyle-a26246ce ps14221\">carrying </span></div><div class=\"ps14216 ss1310\"><span class=\"f charStyle-a26246ce ps9475\">amounts<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14231 ss1832\"><div><div class=\"ps809 ss1750\"><span class=\"f charStyle-a26246ce ps14228\">Fair value of <span class=\"f ps2\"> </span></span></div><div class=\"ps14224 ss1750\"><span class=\"f charStyle-a26246ce ps12493\">balances that <span class=\"f ps2\"> </span></span></div><div class=\"ps14218 ss1750\"><span class=\"f charStyle-a26246ce ps14229\">do not </span></div><div class=\"ps14220 ss1750\"><span class=\"f charStyle-a26246ce ps6938\">approximate <span class=\"f ps2\"> </span></span></div><div class=\"ps14214 ss1750\"><span class=\"f charStyle-a26246ce ps14230\">carrying <span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss1750\"><span class=\"f charStyle-a26246ce ps13640\">amounts</span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14232 ss1831\"><div><div class=\"ps14216 ss1310\"><span class=\"f charStyle-6f1c08a8 ps11557\">Level 1<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14234 ss1831\"><div><div class=\"ps14216 ss1310\"><span class=\"f charStyle-6f1c08a8 ps14233\">Level 2<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14236 ss1832\"><div><div class=\"ps14216 ss1750\"><span class=\"f charStyle-6f1c08a8 ps14235\">Level 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3651 ss1833\"><div><div class=\"ps4014 ss713\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps4049 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-b7f6e8e5 ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps3844 ss1835\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cash and balances <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">at\u00a0central\u00a0banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14238 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.35pt\"></span></span><span class=\"ps14237\">3\u00a0173\u00a0756<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14239 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.35pt\"></span></span><span class=\"ps14237\">3\u00a0173\u00a0756<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14240 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14241 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14242 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14243 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14244 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps853 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14245 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.53pt\"></span></span><span class=\"ps11595\">801\u00a0104<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14246 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.53pt\"></span></span><span class=\"ps11595\">801\u00a0104<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14247 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14248 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14249 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14250 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14251 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:30pt\"><td style=\"padding:0\"><div class=\"ps858 ss1838\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Reverse repurchase <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">agreements and cash collateral <span class=\"f ps2\"> </span></span></div><div class=\"ps8432 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">on securities borrowed</span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14253 ss1839\"><div><div class=\"ps8432 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.68pt\"></span></span><span class=\"ps14252\">1\u00a0884\u00a0699<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14254 ss1839\"><div><div class=\"ps8432 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.01pt\"></span></span><span class=\"ps10477\">1\u00a0552\u00a0902<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14256 ss1839\"><div><div class=\"ps8432 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.91pt\"></span></span><span class=\"ps14255\">331\u00a0797<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14257 ss1840\"><div><div class=\"ps8432 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.06pt\"></span></span><span class=\"ps12070\">332\u00a0104<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14258 ss1839\"><div><div class=\"ps8432 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14260 ss1839\"><div><div class=\"ps8432 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.06pt\"></span></span><span class=\"ps14259\">332\u00a0104<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14261 ss1840\"><div><div class=\"ps8432 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11712 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14263 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.81pt\"></span></span><span class=\"ps14262\">2\u00a0007\u00a0080<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14264 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.34pt\"></span></span><span class=\"ps13283\">938\u00a0497<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14266 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.74pt\"></span></span><span class=\"ps14265\">1\u00a0068\u00a0583<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14268 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.59pt\"></span></span><span class=\"ps14267\">1\u00a0067\u00a0118<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14269 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.59pt\"></span></span><span class=\"ps13605\">1\u00a0067\u00a0118<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14270 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14271 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps49 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14273 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.1pt\"></span></span><span class=\"ps14272\">1\u00a0067\u00a0089<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14274 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.43pt\"></span></span><span class=\"ps9689\">136\u00a0509<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14276 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.16pt\"></span></span><span class=\"ps14275\">930\u00a0580<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14278 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.07pt\"></span></span><span class=\"ps14277\">916\u00a0477<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14279 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14280 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.07pt\"></span></span><span class=\"ps9422\">916\u00a0477<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14281 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps11737 ss1835\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">to\u00a0customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14283 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.44pt\"></span></span><span class=\"ps14282\">14\u00a0325\u00a0978<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14284 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.82pt\"></span></span><span class=\"ps9443\">589\u00a0657<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14286 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.41pt\"></span></span><span class=\"ps14285\">13\u00a0736\u00a0321<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14288 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:3.88pt\"></span></span><span class=\"ps14287\">13\u00a0773\u00a0763<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14289 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14291 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.8pt\"></span></span><span class=\"ps14290\">980\u00a0971<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14292 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:3.95pt\"></span></span><span class=\"ps14225\">12\u00a0792\u00a0792<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1042 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14293 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.33pt\"></span></span><span class=\"ps9687\">114\u00a0438<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14294 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.33pt\"></span></span><span class=\"ps9687\">114\u00a0438<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14295 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14296 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14297 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14298 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14299 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1046 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14300 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.34pt\"></span></span><span class=\"ps13283\">734\u00a0452<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14301 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.34pt\"></span></span><span class=\"ps13283\">734\u00a0452<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14302 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14303 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14304 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14305 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14306 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14308 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:3.54pt\"></span></span><span class=\"ps14307\">24\u00a0108\u00a0596<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14310 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.55pt\"></span></span><span class=\"ps14309\">8\u00a0041\u00a0315<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14312 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.32pt\"></span></span><span class=\"ps14311\">16\u00a0067\u00a0281<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14313 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:0.42pt\"></span></span><span class=\"ps6429\">16\u00a0089\u00a0462<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1054 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-b7f6e8e5 ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1058 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deposits by banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14315 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.57pt\"></span></span><span class=\"ps14314\">902\u00a0678<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14317 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.42pt\"></span></span><span class=\"ps14316\">221\u00a0008<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14318 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.8pt\"></span></span><span class=\"ps14290\">681\u00a0670<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14319 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.59pt\"></span></span><span class=\"ps5377\">684\u00a0211<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps13940 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14320 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.59pt\"></span></span><span class=\"ps11823\">684\u00a0211<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14321 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps1062 ss1835\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Repurchase agreements and <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">cash collateral on securities lent<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14322 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.35pt\"></span></span><span class=\"ps14237\">1\u00a0065\u00a0587<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14323 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.35pt\"></span></span><span class=\"ps14237\">1\u00a0065\u00a0587<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14324 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14325 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14326 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14327 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14328 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps920 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Customer accounts (deposits)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14330 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.34pt\"></span></span><span class=\"ps14329\">22\u00a0467\u00a0743<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14332 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.92pt\"></span></span><span class=\"ps14331\">12\u00a0769\u00a0790<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14333 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.91pt\"></span></span><span class=\"ps13394\">9\u00a0697\u00a0953<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14335 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.26pt\"></span></span><span class=\"ps14334\">9\u00a0627\u00a0072<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14336 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14338 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.26pt\"></span></span><span class=\"ps14337\">9\u00a0627\u00a0072<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14339 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps925 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Debt securities in issue<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14340 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.85pt\"></span></span><span class=\"ps9416\">1\u00a0413\u00a0031<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14341 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.74pt\"></span></span><span class=\"ps9388\">1\u00a0194<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14342 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.36pt\"></span></span><span class=\"ps9550\">1\u00a0411\u00a0837<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14343 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.04pt\"></span></span><span class=\"ps12967\">1\u00a0427\u00a0452<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14344 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.87pt\"></span></span><span class=\"ps10534\">1\u00a0406\u00a0120<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14346 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.78pt\"></span></span><span class=\"ps14345\">21\u00a0332<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14347 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps930 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14349 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.13pt\"></span></span><span class=\"ps14348\">962\u00a0846<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14350 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.13pt\"></span></span><span class=\"ps14348\">962\u00a0846<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14351 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14352 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14353 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14354 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14355 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps934 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Subordinated liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14357 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.47pt\"></span></span><span class=\"ps14356\">697\u00a0632<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14358 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14359 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.47pt\"></span></span><span class=\"ps14356\">697\u00a0632<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14361 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.94pt\"></span></span><span class=\"ps14360\">722\u00a0815<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14363 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.94pt\"></span></span><span class=\"ps14362\">722\u00a0815<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14364 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14365 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14367 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:4.77pt\"></span></span><span class=\"ps14366\">27\u00a0509\u00a0517<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14369 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:3.68pt\"></span></span><span class=\"ps14368\">15\u00a0020\u00a0425<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14371 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:3.65pt\"></span></span><span class=\"ps14370\">12\u00a0489\u00a0092<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14373 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:1.94pt\"></span></span><span class=\"ps14372\">12\u00a0461\u00a0550<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps14376 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For the year ended <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps14374\">31 March 2026<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps14375\">, there were insignificant disposals of financial instruments measured at amortised cost.<span class=\"f ps2\"> </span></span></div><div class=\"ps14377 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For financial assets and financial liabilities that are liquid or have a short-term maturity (less than three months) it is assumed that <span class=\"f ps2\"> </span></span></div><div class=\"ps10981 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the carrying amounts approximate their fair value. These assets and liabilities include demand deposits, savings accounts without <span class=\"f ps2\"> </span></span></div><div class=\"ps14378 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">a\u00a0specific maturity, which are included in customer accounts (deposits), and variable rate instruments.<span class=\"f ps2\"> </span></span></div><div class=\"ps14379 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Financial instruments for which fair value does not approximate carrying value<span class=\"f ps2\"> </span></span></div><div class=\"ps14380 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Differences in amortised cost and fair value occur in fixed rate instruments. The fair value of fixed rate financial assets and financial <span class=\"f ps2\"> </span></span></div><div class=\"ps14381 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">liabilities carried at amortised cost are estimated by comparing spreads earned on the transactions with spreads earned on similar <span class=\"f ps2\"> </span></span></div><div class=\"ps14382 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">new transactions entered into by the Group. The estimated fair value of fixed interest-bearing deposits is based on discounted </span></div><div class=\"ps14383 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">cash flows, using prevailing money market interest rates for debts with similar credit risk and maturity. For quoted subordinated </span></div><div class=\"ps14384 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">debt issued, the fair values are calculated based on quoted market prices. For those notes issued where quoted market prices are </span></div><div class=\"ps14385 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">not available, a discounted cash flow model is used based on a current interest rate yield curve appropriate for\u00a0the remaining term <span class=\"f ps2\"> </span></span></div><div class=\"ps14386 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">to maturity.</span></div></div><div class=\"ps72 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:118.5pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"4\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps13835 ss1841\"><div><div class=\"ps8543 ss1029\"><span class=\"f charStyle-a26246ce ps13299\">Level within the fair value hierarchy<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:41.25pt\"><td style=\"padding:0\"><div class=\"ps2724 ss1830\"><div><div class=\"ps14212 ss713\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">At 31 March 2025</span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14389 ss1831\"><div><div class=\"ps14214 ss1310\"><span class=\"f charStyle-a26246ce ps14213\">Carrying <span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss1310\"><span class=\"f charStyle-a26246ce ps14215\">amount<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14390 ss1831\"><div><div class=\"ps14218 ss1310\"><span class=\"f charStyle-a26246ce ps11470\">Fair value <span class=\"f ps2\"> </span></span></div><div class=\"ps14220 ss1310\"><span class=\"f charStyle-a26246ce ps14219\">approximates <span class=\"f ps2\"> </span></span></div><div class=\"ps14214 ss1310\"><span class=\"f charStyle-a26246ce ps14221\">carrying <span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss1310\"><span class=\"f charStyle-a26246ce ps14215\">amount<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14391 ss1831\"><div><div class=\"ps809 ss1310\"><span class=\"f charStyle-a26246ce ps14223\">Balances <span class=\"f ps2\"> </span></span></div><div class=\"ps14224 ss1310\"><span class=\"f charStyle-a26246ce ps128\">where fair <span class=\"f ps2\"> </span></span></div><div class=\"ps14218 ss1310\"><span class=\"f charStyle-a26246ce ps14225\">values do not <span class=\"f ps2\"> </span></span></div><div class=\"ps14220 ss1310\"><span class=\"f charStyle-a26246ce ps14226\">approximate <span class=\"f ps2\"> </span></span></div><div class=\"ps14214 ss1310\"><span class=\"f charStyle-a26246ce ps14221\">carrying </span></div><div class=\"ps14216 ss1310\"><span class=\"f charStyle-a26246ce ps9475\">amounts<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14392 ss1832\"><div><div class=\"ps809 ss1750\"><span class=\"f charStyle-a26246ce ps14228\">Fair value of <span class=\"f ps2\"> </span></span></div><div class=\"ps14224 ss1750\"><span class=\"f charStyle-a26246ce ps12493\">balances that <span class=\"f ps2\"> </span></span></div><div class=\"ps14218 ss1750\"><span class=\"f charStyle-a26246ce ps14229\">do not </span></div><div class=\"ps14220 ss1750\"><span class=\"f charStyle-a26246ce ps6938\">approximate <span class=\"f ps2\"> </span></span></div><div class=\"ps14214 ss1750\"><span class=\"f charStyle-a26246ce ps14230\">carrying <span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss1750\"><span class=\"f charStyle-a26246ce ps13640\">amounts</span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14393 ss1831\"><div><div class=\"ps14216 ss1310\"><span class=\"f charStyle-6f1c08a8 ps11557\">Level 1<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14394 ss1831\"><div><div class=\"ps14216 ss1310\"><span class=\"f charStyle-6f1c08a8 ps14233\">Level 2<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14395 ss1832\"><div><div class=\"ps14216 ss1750\"><span class=\"f charStyle-6f1c08a8 ps14235\">Level 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps6177 ss1833\"><div><div class=\"ps4014 ss713\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps216 ss1842\"><div><div class=\"ps997 ss713\"><span class=\"f charStyle-b7f6e8e5 ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps3325 ss1835\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cash and balances <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">at\u00a0central\u00a0banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14397 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.36pt\"></span></span><span class=\"ps14396\">4\u00a0191\u00a0750<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14398 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.36pt\"></span></span><span class=\"ps14396\">4\u00a0191\u00a0750<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14399 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14400 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14401 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14402 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14403 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13051 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14404 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.57pt\"></span></span><span class=\"ps14314\">860\u00a0267<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14405 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.57pt\"></span></span><span class=\"ps14314\">860\u00a0267<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14406 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14407 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14408 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14409 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14410 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:30pt\"><td style=\"padding:0\"><div class=\"ps13055 ss1838\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Reverse repurchase <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">agreements and cash collateral <span class=\"f ps2\"> </span></span></div><div class=\"ps8432 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">on securities borrowed</span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14412 ss1839\"><div><div class=\"ps8432 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.77pt\"></span></span><span class=\"ps14411\">1\u00a0584\u00a0352<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14414 ss1839\"><div><div class=\"ps8432 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.1pt\"></span></span><span class=\"ps14413\">1\u00a0318\u00a0407<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14415 ss1839\"><div><div class=\"ps8432 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.36pt\"></span></span><span class=\"ps9216\">265\u00a0945<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14417 ss1840\"><div><div class=\"ps8432 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.99pt\"></span></span><span class=\"ps14416\">266\u00a0404<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14418 ss1839\"><div><div class=\"ps8432 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14420 ss1839\"><div><div class=\"ps8432 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.99pt\"></span></span><span class=\"ps14419\">266\u00a0404<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14421 ss1840\"><div><div class=\"ps8432 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3334 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14423 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.09pt\"></span></span><span class=\"ps14422\">1\u00a0189\u00a0050<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14424 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.36pt\"></span></span><span class=\"ps1625\">421\u00a0866<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14426 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.06pt\"></span></span><span class=\"ps14425\">767\u00a0184<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14428 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.92pt\"></span></span><span class=\"ps14427\">767\u00a0504<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14430 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.92pt\"></span></span><span class=\"ps14429\">767\u00a0504<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14431 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14432 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9686 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14434 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.81pt\"></span></span><span class=\"ps14433\">712\u00a0209<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14436 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.64pt\"></span></span><span class=\"ps14435\">75\u00a0979<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14438 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.95pt\"></span></span><span class=\"ps14437\">636\u00a0230<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14439 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.12pt\"></span></span><span class=\"ps4277\">629\u00a0936<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14440 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14441 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.12pt\"></span></span><span class=\"ps11405\">629\u00a0936<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14442 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps4482 ss1835\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">to\u00a0customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14444 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.86pt\"></span></span><span class=\"ps14443\">14\u00a0236\u00a0486<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14446 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.1pt\"></span></span><span class=\"ps14445\">564\u00a0094<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14447 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.32pt\"></span></span><span class=\"ps3536\">13\u00a0672\u00a0392<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14449 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:2.73pt\"></span></span><span class=\"ps14448\">13\u00a0643\u00a0949<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14450 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14451 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.61pt\"></span></span><span class=\"ps9283\">1\u00a0006\u00a0893<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14452 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:3.54pt\"></span></span><span class=\"ps14307\">12\u00a0637\u00a0056<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2384 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14454 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.58pt\"></span></span><span class=\"ps14453\">139\u00a0212<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14455 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.91pt\"></span></span><span class=\"ps11905\">91\u00a0024<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14456 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.91pt\"></span></span><span class=\"ps11905\">48\u00a0188<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14457 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.81pt\"></span></span><span class=\"ps1618\">48\u00a0164<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps13926 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14458 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.81pt\"></span></span><span class=\"ps11862\">48\u00a0164<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14459 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"><div class=\"ps2388 ss1842\"><div><div class=\"ps997 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14460 ss1314\"><div><div class=\"ps997 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.1pt\"></span></span><span class=\"ps14445\">349\u00a0568<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14461 ss1314\"><div><div class=\"ps997 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.1pt\"></span></span><span class=\"ps14445\">349\u00a0568<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14462 ss1314\"><div><div class=\"ps997 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14463 ss1843\"><div><div class=\"ps997 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14464 ss1314\"><div><div class=\"ps997 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14465 ss1314\"><div><div class=\"ps997 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14466 ss1843\"><div><div class=\"ps997 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14468 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:2.82pt\"></span></span><span class=\"ps14467\">23\u00a0262\u00a0894<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14470 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.65pt\"></span></span><span class=\"ps14469\">7\u00a0872\u00a0955<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14471 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:3.67pt\"></span></span><span class=\"ps9968\">15\u00a0389\u00a0939<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14473 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:1.51pt\"></span></span><span class=\"ps14472\">15\u00a0355\u00a0957<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2396 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-b7f6e8e5 ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8900 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deposits by banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14475 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.5pt\"></span></span><span class=\"ps14474\">1\u00a0477\u00a0568<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14476 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.66pt\"></span></span><span class=\"ps10180\">201\u00a0160<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14477 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.01pt\"></span></span><span class=\"ps10477\">1\u00a0276\u00a0408<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14479 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.66pt\"></span></span><span class=\"ps14478\">1\u00a0282\u00a0354<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14480 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14482 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.66pt\"></span></span><span class=\"ps14481\">1\u00a0282\u00a0354<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14483 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps4714 ss1835\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Repurchase agreements and <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">cash collateral on securities lent<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14484 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.8pt\"></span></span><span class=\"ps14290\">178\u00a0202<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14485 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.8pt\"></span></span><span class=\"ps14290\">178\u00a0202<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14486 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14487 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14488 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14489 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14490 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13820 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Customer accounts (deposits)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14491 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.56pt\"></span></span><span class=\"ps6280\">21\u00a0455\u00a0855<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14492 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.51pt\"></span></span><span class=\"ps11553\">13\u00a0473\u00a0780<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14493 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.36pt\"></span></span><span class=\"ps13208\">7\u00a0982\u00a0075<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14495 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.04pt\"></span></span><span class=\"ps14494\">7\u00a0949\u00a0847<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14496 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14498 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.04pt\"></span></span><span class=\"ps14497\">7\u00a0949\u00a0847<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14499 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14500 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Debt securities in issue<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14502 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.84pt\"></span></span><span class=\"ps14501\">1\u00a0301\u00a0802<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14503 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.74pt\"></span></span><span class=\"ps9388\">1\u00a0194<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14505 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.58pt\"></span></span><span class=\"ps14504\">1\u00a0300\u00a0608<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14507 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.08pt\"></span></span><span class=\"ps14506\">1\u00a0308\u00a0371<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14508 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.26pt\"></span></span><span class=\"ps9201\">1\u00a0176\u00a0693<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14509 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.92pt\"></span></span><span class=\"ps12379\">131\u00a0678<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14510 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14511 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14512 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.82pt\"></span></span><span class=\"ps9436\">548\u00a0617<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14513 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.57pt\"></span></span><span class=\"ps14314\">547\u00a0935<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14515 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.06pt\"></span></span><span class=\"ps14514\">682<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14517 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.29pt\"></span></span><span class=\"ps14516\">189<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14518 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14519 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14520 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.29pt\"></span></span><span class=\"ps14516\">189<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14521 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Subordinated liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14522 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.47pt\"></span></span><span class=\"ps9669\">682\u00a0218<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14523 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14524 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.47pt\"></span></span><span class=\"ps9669\">682\u00a0218<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14526 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.82pt\"></span></span><span class=\"ps14525\">712\u00a0548<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14527 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.82pt\"></span></span><span class=\"ps9436\">712\u00a0548<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14528 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14529 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14531 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:2.8pt\"></span></span><span class=\"ps14530\">25\u00a0644\u00a0262<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14533 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.29pt\"></span></span><span class=\"ps14532\">14\u00a0402\u00a0271<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14535 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.47pt\"></span></span><span class=\"ps14534\">11\u00a0241\u00a0991<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14537 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:1.97pt\"></span></span><span class=\"ps14536\">11\u00a0253\u00a0309<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps14539 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For the year ended </span><span class=\"f charStyle-33e1c6d6 ps14374\">31 March 2025</span><span class=\"f charStyle-33e1c6d6 ps14538\">, there were insignificant disposals of financial instruments measured at amortised cost.</span></div><div class=\"ps5918 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Fixed rate financial instruments</span></div><div class=\"ps5919 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The fair value of fixed rate financial assets and financial liabilities carried at amortised cost are estimated by comparing spreads </span></div><div class=\"ps5920 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">earned on the transactions with spreads earned on similar new transactions entered into by the Group. The estimated fair value </span></div><div class=\"ps13827 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of\u00a0fixed interest-bearing deposits is based on discounted cash flows, using prevailing money market interest rates for debts </span></div><div class=\"ps13828 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">with\u00a0similar credit risk and maturity. </span></div><div class=\"ps14190 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For quoted subordinated debt issued, the fair values are calculated based on quoted market prices. For those notes issued where </span></div><div class=\"ps14541 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">quoted market prices are not available, a discounted cash flow model is used based on a current interest rate yield curve </span></div><div class=\"ps14542 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">appropriate for the remaining term to maturity.</span></div><div class=\"ps14543 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Certain financial instruments that would normally be carried at fair value continue to be recognised at transaction price. This\u00a0occurs </span></div><div class=\"ps14544 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">when the fair value would normally be determined using valuation techniques which cannot be relied on due to\u00a0insufficient external </span></div><div class=\"ps14545 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">inputs. This results in gains or losses which have not been recognised on-balance sheet.<span class=\"f ps2\"> </span></span></div><div class=\"ps14546 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The following table sets out the Group\u2019s principal level 2 and 3 valuation techniques used in determining the fair value of its </span></div><div class=\"ps14547 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">financial assets and financial liabilities:</span></div><div class=\"ps14573 ss8\"><div class=\"ss1321 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:159.75pt\"></td><td style=\"padding:0;width:159.75pt\"></td><td style=\"padding:0;width:159.75pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps14548 ss1844\"><div><div class=\"ps189 ss1049\"><span class=\"f charStyle-a26246ce ps887\">Valuation basis/techniques<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps14550 ss1844\"><div><div class=\"ps189 ss1049\"><span class=\"f charStyle-a26246ce ps14549\">Main inputs<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1844\"><div><div class=\"ps189 ss1049\"><span class=\"f charStyle-a26246ce ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps213 ss1845\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14551 ss1845\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14552 ss1845\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Yield curve<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps1202 ss1846\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Reverse repurchase agreements and cash <span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">collateral on securities\u00a0borrowed<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps14553 ss1846\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps14554 ss1846\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Yield curve<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rates<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13807 ss1846\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14555 ss1846\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Externally sourced price<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14556 ss1846\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Yield curve<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Externally sourced price<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:32.25pt\"><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps4656 ss1847\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps14557 ss1847\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps14558 ss1847\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Yield curve<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit spread<span class=\"f ps2\"> </span></span></div><div class=\"ps5431 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rates<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14559 ss1846\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14560 ss1846\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14561 ss1846\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit spread<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rates<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps2380 ss1845\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sovereign debt<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps14562 ss1845\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Externally sourced price<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps14563 ss1845\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Externally sourced price<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8640 ss1844\"><div><div class=\"ps189 ss1049\"><span class=\"f charStyle-a26246ce ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:32.25pt\"><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps3341 ss1847\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deposits by banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14564 ss1847\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14565 ss1847\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Yield curve<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit spread<span class=\"f ps2\"> </span></span></div><div class=\"ps5431 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rates<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:32.25pt\"><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps1218 ss1847\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Repurchase agreements and\u00a0cash collateral <span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">on securities lent<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps14566 ss1847\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps14567 ss1847\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Yield curve<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit spread<span class=\"f ps2\"> </span></span></div><div class=\"ps5431 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rates<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:32.25pt\"><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14568 ss1847\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Customer accounts (deposits)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14569 ss1847\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14570 ss1847\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Yield curve<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit spread<span class=\"f ps2\"> </span></span></div><div class=\"ps5431 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rates<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps11264 ss1846\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Debt securities in issue<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps14571 ss1846\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Externally sourced price<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps14572 ss1846\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Yield curve<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Externally sourced price<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps24 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:12.64pt\">21<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps12724\" style=\"width:5.86pt\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps12726\" style=\"width:176.07pt\">Derivative financial instruments<span class=\"f ps2\"> </span></span></div><div class=\"ps979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group enters into various contracts for derivatives, both as principal for trading purposes and as a customer for hedging <span class=\"f ps2\"> </span></span></div><div class=\"ps980 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">foreign exchange and interest rate exposures. These include financial futures, options, swaps and forward rate agreements. <span class=\"f ps2\"> </span></span></div><div class=\"ps981 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The\u00a0risks associated with derivative instruments are monitored in the same manner as for the underlying instruments. Risks are <span class=\"f ps2\"> </span></span></div><div class=\"ps982 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">also\u00a0measured across the product range in order to take into account possible correlations.<span class=\"f ps2\"> </span></span></div><div class=\"ps4872 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In the tables that follow, notional principal amounts indicate the volume of business outstanding at the balance sheet date and <span class=\"f ps2\"> </span></span></div><div class=\"ps2365 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">do\u00a0not represent amounts at risk. The fair value of a derivative financial instrument represents the positive or negative cash flows </span></div><div class=\"ps8839 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">which would have occurred had the rights and obligations arising from that instrument been closed out by the Group in an orderly </span></div><div class=\"ps8840 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">market transaction at the balance sheet date.</span></div><div class=\"ps13401 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:143.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps8029 ss1859\"><div><div class=\"ps809 ss1858\"><span class=\"f charStyle-a26246ce ps14773\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"4\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps12490 ss1859\"><div><div class=\"ps809 ss1858\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps14774\">2025</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps816 ss1860\"><div><div class=\"ps1400 ss1017\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11278 ss1626\"><div><div class=\"ps14776 ss296\"><span class=\"f charStyle-a26246ce ps14775\">Notional <span class=\"f ps2\"> </span></span></div><div class=\"ps14778 ss296\"><span class=\"f charStyle-a26246ce ps14777\">principal <span class=\"f ps2\"> </span></span></div><div class=\"ps14779 ss296\"><span class=\"f charStyle-a26246ce ps12905\">amounts<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14782 ss1626\"><div><div class=\"ps14778 ss296\"><span class=\"f charStyle-a26246ce ps14780\">Positive <span class=\"f ps2\"> </span></span></div><div class=\"ps14779 ss296\"><span class=\"f charStyle-a26246ce ps14781\">fair value<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12367 ss1626\"><div><div class=\"ps14778 ss296\"><span class=\"f charStyle-a26246ce ps14783\">Negative <span class=\"f ps2\"> </span></span></div><div class=\"ps14779 ss296\"><span class=\"f charStyle-a26246ce ps14781\">fair value<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11281 ss1626\"><div><div class=\"ps14776 ss296\"><span class=\"f charStyle-8d4b9b37 ps14784\">Notional <span class=\"f ps2\"> </span></span></div><div class=\"ps14778 ss296\"><span class=\"f charStyle-8d4b9b37 ps14780\">principal <span class=\"f ps2\"> </span></span></div><div class=\"ps14779 ss296\"><span class=\"f charStyle-8d4b9b37 ps14785\">amounts<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2815 ss1626\"><div><div class=\"ps14778 ss296\"><span class=\"f charStyle-8d4b9b37 ps14786\">Positive <span class=\"f ps2\"> </span></span></div><div class=\"ps14779 ss296\"><span class=\"f charStyle-8d4b9b37 ps9255\">fair value<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2473 ss1636\"><div><div class=\"ps14778 ss114\"><span class=\"f charStyle-8d4b9b37 ps14787\">Negative <span class=\"f ps2\"> </span></span></div><div class=\"ps14779 ss114\"><span class=\"f charStyle-8d4b9b37 ps14788\">fair value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps362 ss1861\"><div><div class=\"ps4014 ss1017\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1002 ss1634\"><div><div class=\"ps997 ss1017\"><span class=\"f charStyle-b7f6e8e5 ps7\">Foreign exchange derivatives<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2492 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Forward foreign exchange contracts<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14790 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.83pt\"></span></span><span class=\"ps14789\">18\u00a0369\u00a0192<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14792 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.6pt\"></span></span><span class=\"ps14791\">145\u00a0434<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14793 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.53pt\"></span></span><span class=\"ps12680\">88\u00a0816<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14794 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.39pt\"></span></span><span class=\"ps9960\">18\u00a0555\u00a0720<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14795 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.2pt\"></span></span><span class=\"ps9977\">165\u00a0285<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps2496 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.84pt\"></span></span><span class=\"ps9494\">102\u00a0646<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps192 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Currency swaps<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14796 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.76pt\"></span></span><span class=\"ps11470\">3\u00a0242\u00a0177<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14797 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.12pt\"></span></span><span class=\"ps12700\">6\u00a0556<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14799 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.52pt\"></span></span><span class=\"ps14798\">31\u00a0285<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14800 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.61pt\"></span></span><span class=\"ps13487\">1\u00a0072\u00a0690<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14801 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.78pt\"></span></span><span class=\"ps9544\">19\u00a0525<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps2500 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.98pt\"></span></span><span class=\"ps11448\">4\u00a0873<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2501 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">OTC options bought and sold<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps8042 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.88pt\"></span></span><span class=\"ps14802\">2\u00a0197\u00a0818<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14803 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.63pt\"></span></span><span class=\"ps11860\">10\u00a0148<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14805 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.14pt\"></span></span><span class=\"ps14804\">21\u00a0719<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14807 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.55pt\"></span></span><span class=\"ps14806\">2\u00a0412\u00a0722<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14808 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.64pt\"></span></span><span class=\"ps11929\">12\u00a0381<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps2505 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.99pt\"></span></span><span class=\"ps8386\">15\u00a0207<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14810 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.55pt\"></span></span><span class=\"ps14809\">23\u00a0809\u00a0187<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14811 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.18pt\"></span></span><span class=\"ps11215\">162\u00a0138<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14812 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.83pt\"></span></span><span class=\"ps9291\">141\u00a0820<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14814 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.67pt\"></span></span><span class=\"ps14813\">22\u00a0041\u00a0132<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14815 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.71pt\"></span></span><span class=\"ps8367\">197\u00a0191<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps2510 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.84pt\"></span></span><span class=\"ps14816\">122\u00a0726<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2511 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-b7f6e8e5 ps7\">Interest rate derivatives<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4281 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Caps and floors<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14818 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.54pt\"></span></span><span class=\"ps14817\">6\u00a0781\u00a0994<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14819 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.15pt\"></span></span><span class=\"ps12149\">23\u00a0082<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14820 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.55pt\"></span></span><span class=\"ps11914\">22\u00a0281<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14821 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.18pt\"></span></span><span class=\"ps12088\">8\u00a0559\u00a0624<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14823 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.17pt\"></span></span><span class=\"ps14822\">28\u00a0420<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14824 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.2pt\"></span></span><span class=\"ps9977\">25\u00a0442<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4288 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Swaps<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14825 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.15pt\"></span></span><span class=\"ps10067\">33\u00a0032\u00a0553<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14827 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.11pt\"></span></span><span class=\"ps14826\">30\u00a0808<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14828 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.91pt\"></span></span><span class=\"ps4543\">61\u00a0799<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14830 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.17pt\"></span></span><span class=\"ps14829\">34\u00a0140\u00a0306<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11830 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.5pt\"></span></span><span class=\"ps11336\">37\u00a0853<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11832 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.15pt\"></span></span><span class=\"ps9237\">80\u00a0963<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4294 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">OTC options bought and sold<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14831 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.26pt\"></span></span><span class=\"ps11880\">54\u00a0600<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14832 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps10058 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.79pt\"></span></span><span class=\"ps14833\">541<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14834 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.26pt\"></span></span><span class=\"ps11880\">54\u00a0600<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14835 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14836 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.68pt\"></span></span><span class=\"ps12742\">447<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14838 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.4pt\"></span></span><span class=\"ps14837\">39\u00a0869\u00a0147<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14840 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.25pt\"></span></span><span class=\"ps14839\">53\u00a0890<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14841 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.71pt\"></span></span><span class=\"ps12641\">84\u00a0621<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14843 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.25pt\"></span></span><span class=\"ps14842\">42\u00a0754\u00a0530<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14845 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.06pt\"></span></span><span class=\"ps14844\">66\u00a0273<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14847 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.8pt\"></span></span><span class=\"ps14846\">106\u00a0852<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4307 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-b7f6e8e5 ps7\">Equity and stock index derivatives<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4313 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">OTC options bought and sold<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14849 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.54pt\"></span></span><span class=\"ps14848\">42\u00a0788<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14851 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.77pt\"></span></span><span class=\"ps14850\">190<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14853 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.43pt\"></span></span><span class=\"ps14852\">7\u00a0037<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14854 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.84pt\"></span></span><span class=\"ps3977\">227\u00a0044<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14855 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.73pt\"></span></span><span class=\"ps11918\">6\u00a0032<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14856 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.12pt\"></span></span><span class=\"ps9482\">33\u00a0337<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4319 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Exchange traded futures<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14857 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.01pt\"></span></span><span class=\"ps8351\">2\u00a0447<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14858 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14860 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.68pt\"></span></span><span class=\"ps14859\">252<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14861 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.19pt\"></span></span><span class=\"ps7426\">46\u00a0288<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14862 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14863 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4325 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Exchange traded options<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14864 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14865 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14866 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14867 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.2pt\"></span></span><span class=\"ps13651\">1\u00a0224\u00a0926<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14868 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.89pt\"></span></span><span class=\"ps1616\">5\u00a0964<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14869 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14871 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.68pt\"></span></span><span class=\"ps14870\">45\u00a0235<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14872 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.03pt\"></span></span><span class=\"ps11655\">190<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14873 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29pt\"></span></span><span class=\"ps13949\">7\u00a0289<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14875 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.2pt\"></span></span><span class=\"ps14874\">1\u00a0498\u00a0258<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14877 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.89pt\"></span></span><span class=\"ps14876\">11\u00a0996<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14878 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.86pt\"></span></span><span class=\"ps10439\">33\u00a0337<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4338 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-b7f6e8e5 ps7\">Commodity derivatives<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4343 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">OTC options bought and sold<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14880 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.54pt\"></span></span><span class=\"ps14879\">359\u00a0757<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14881 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.54pt\"></span></span><span class=\"ps14848\">25\u00a0895<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14882 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.39pt\"></span></span><span class=\"ps11549\">25\u00a0808<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14883 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.72pt\"></span></span><span class=\"ps8474\">319\u00a0445<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14884 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.45pt\"></span></span><span class=\"ps11927\">1\u00a0113<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14886 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.22pt\"></span></span><span class=\"ps14885\">1\u00a0136<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4344 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Commodity swaps and forwards<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14887 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.44pt\"></span></span><span class=\"ps9527\">561\u00a0251<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14888 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.42pt\"></span></span><span class=\"ps12435\">110\u00a0476<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14889 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.97pt\"></span></span><span class=\"ps13303\">158\u00a0429<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14890 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.42pt\"></span></span><span class=\"ps11598\">456\u00a0077<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14891 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.67pt\"></span></span><span class=\"ps4719\">17\u00a0464<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14893 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.84pt\"></span></span><span class=\"ps14892\">9\u00a0200<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2556 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Exchange traded futures<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14894 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.05pt\"></span></span><span class=\"ps3710\">83\u00a0428<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14895 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.57pt\"></span></span><span class=\"ps11150\">3<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14897 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.59pt\"></span></span><span class=\"ps14896\">4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14899 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.33pt\"></span></span><span class=\"ps14898\">141\u00a0479<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14900 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.82pt\"></span></span><span class=\"ps11202\">5<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps2560 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14902 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.31pt\"></span></span><span class=\"ps14901\">1\u00a0004\u00a0436<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14904 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.04pt\"></span></span><span class=\"ps14903\">136\u00a0374<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14905 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.91pt\"></span></span><span class=\"ps9536\">184\u00a0241<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14906 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.01pt\"></span></span><span class=\"ps6959\">917\u00a0001<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14908 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.96pt\"></span></span><span class=\"ps14907\">18\u00a0582<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps2565 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.42pt\"></span></span><span class=\"ps11598\">10\u00a0336<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps2566 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-b7f6e8e5 ps7\">Credit derivatives<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14909 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.79pt\"></span></span><span class=\"ps10386\">420\u00a0321<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14911 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.91pt\"></span></span><span class=\"ps14910\">1\u00a0529<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14913 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.67pt\"></span></span><span class=\"ps14912\">1\u00a0234<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14914 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.34pt\"></span></span><span class=\"ps9496\">361\u00a0034<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14916 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">1\u00a0737<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps2570 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.34pt\"></span></span><span class=\"ps14917\">1\u00a0540<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps4354 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-b7f6e8e5 ps7\">Other derivatives<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14918 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.31pt\"></span></span><span class=\"ps1621\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps10267 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.31pt\"></span></span><span class=\"ps1621\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14920 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.43pt\"></span></span><span class=\"ps14919\">3\u00a0502<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14921 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.31pt\"></span></span><span class=\"ps12518\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11254 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-b7f6e8e5 ps7\">Derivatives per balance sheet<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14922 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.17pt\"></span></span><span class=\"ps13694\">354\u00a0121<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14923 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.67pt\"></span></span><span class=\"ps11376\">419\u00a0205<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12301 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.12pt\"></span></span><span class=\"ps12719\">299\u00a0281<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12303 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.74pt\"></span></span><span class=\"ps11843\">274\u00a0791<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_385\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">47<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16271\">.<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16272\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16273\">Hedges<span class=\"f ps2\"> </span></span></div><div class=\"ps979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group uses derivatives for the management of financial risks relating to its asset and liability portfolios, mainly associated with </span></div><div class=\"ps980 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">non-trading interest rate risks and exposures to foreign currency risk. Most non-trading interest rate risk is transferred from the </span></div><div class=\"ps981 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">originating business to the Central Treasury in the Specialist Bank. Once aggregated and netted, Central Treasury actively manages </span></div><div class=\"ps982 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the liquidity mismatch and non-trading interest rate risk from our asset and liability portfolios. In this regard, Treasury is required to </span></div><div class=\"ps2364 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">exercise tight control of funding, liquidity, concentration and non-trading interest rate risk within defined parameters.</span></div><div class=\"ps2365 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The accounting treatment of accounting hedges is dependent on the requirement to identify a direct relationship between hedged </span></div><div class=\"ps8839 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">items and hedging instruments. The following is a description of each category of accounting hedges achieved by the Group: </span></div><div class=\"ps16277 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-8ce385cb ps16274\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-8ce385cb ps16275\">Fair value hedges: </span><span class=\"f charStyle-33e1c6d6 ps16276\">Fair value hedges are entered into mainly to hedge the exposure of changes in fair value of fixed rate </span></div><div class=\"ps16280 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps968\">financial instruments attributable to benchmark interest rates</span><span class=\"f charStyle-33e1c6d6 ps16278\">. </span><span class=\"f charStyle-33e1c6d6 ps16279\">The Group implemented macro (portfolio) hedging in the current </span></div><div class=\"ps16281 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps968\">period to better align hedge accounting practices with the management of interest rate risk and to reduce operational burden </span></div><div class=\"ps16282 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps968\">of micro hedging. The Group continues to use micro (one-to-one) hedging where appropriate. </span></div><div class=\"ps16285 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-8ce385cb ps16274\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-8ce385cb ps16275\">Cash flow hedges:</span><span class=\"f charStyle-33e1c6d6 ps16283\"> </span><span class=\"f charStyle-33e1c6d6 ps16284\">The change in the benchmark interest rate exposes the Group to cash flow variability risk from both existing </span></div><div class=\"ps16286 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps968\">and highly probable future transactions. To mitigate this, the Group enters into interest rate swap transactions to mitigate the </span></div><div class=\"ps16287 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps968\">cash flow variability risk. </span></div><div class=\"ps16289 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-8ce385cb ps16274\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-8ce385cb ps16275\">Hedge of the net investment in a subsidiary:</span><span class=\"f charStyle-33e1c6d6 ps16288\"> In the current year, the Group has implemented a hedge of our net investment in </span></div><div class=\"ps16290 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps968\">Investec Continental Europe Advisory, for exposure to movements in the subsidiary\u2019s functional currency of the Euro. </span></div><div class=\"ps16291 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In addition, the Group maintains a structural hedging programme to reduce the sensitivity of earnings to short-term interest rate </span></div><div class=\"ps16296 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">movements. For more detail refer to pag</span><span class=\"f charStyle-33e1c6d6 ps16292\">e</span><span class=\"f charStyle-33e1c6d6 ps16293\"> </span><span class=\"f charStyle-c4fc3a3f ps16294\"><a class=\"Hyperlink\" href=\"#i4298e21e46a84636ae4baccaf7cfb863_8571\" style=\"z-index:1\">190</a></span><span class=\"f charStyle-33e1c6d6 ps16295\">.</span></div><div class=\"ps16297 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Where all the relevant criteria to qualify for hedging are met, hedge accounting is applied. To the extent hedging instruments are </span></div><div class=\"ps16298 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">exposed to different risks than the hedged items, this could result in hedge ineffectiveness. </span></div><div class=\"ps16299 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Sources of ineffectiveness include the following:<span class=\"f ps2\"> </span></span></div><div class=\"ps16300 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Differences in the terms of the hedged item and the hedging instrument, such as the reference interest rate, notional amounts, <span class=\"f ps2\"> </span></span></div><div class=\"ps16301 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">maturity dates, reset/coupon or settlement dates<span class=\"f ps2\"> </span></span></div><div class=\"ps16302 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">If a hedging relationship becomes over-hedged, for example, if the hedged item is partially redeemed but the original hedging <span class=\"f ps2\"> </span></span></div><div class=\"ps16303 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">instrument remains in place. <span class=\"f ps2\"> </span></span></div><div class=\"ps16304 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Fair value hedges<span class=\"f ps2\"> </span></span></div><div class=\"ps16305 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Fair value hedges - Hedging instruments</span></div><div class=\"ps16361 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:66.75pt\"></td><td style=\"padding:0;width:114pt\"></td><td style=\"padding:0;width:75pt\"></td><td style=\"padding:0;width:75pt\"></td><td style=\"padding:0;width:75pt\"></td><td style=\"padding:0;width:75pt\"></td></tr><tr style=\"height:41.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss1919\"><div><div class=\"ps14212 ss1918\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps8770 ss1920\"><div><div class=\"ps14220 ss1225\"><span class=\"f charStyle-8d4b9b37 ps7\">Description of financial <span class=\"f ps2\"> </span></span></div><div class=\"ps14214 ss1225\"><span class=\"f charStyle-8d4b9b37 ps7\">instrument designated as <span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss1225\"><span class=\"f charStyle-8d4b9b37 ps7\">hedging instrument<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps98 ss1921\"><div><div class=\"ps14214 ss212\"><span class=\"f charStyle-a26246ce ps9287\">Notional value of <span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss212\"><span class=\"f charStyle-a26246ce ps16306\">hedging instrument<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12364 ss1921\"><div><div class=\"ps14214 ss212\"><span class=\"f charStyle-a26246ce ps16307\">Fair value of hedging <span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss212\"><span class=\"f charStyle-a26246ce ps16308\">instrument - Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps4192 ss1921\"><div><div class=\"ps14220 ss212\"><span class=\"f charStyle-a26246ce ps16307\">Fair value of hedging <span class=\"f ps2\"> </span></span></div><div class=\"ps14214 ss212\"><span class=\"f charStyle-a26246ce ps16309\">instrument - <span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss212\"><span class=\"f charStyle-a26246ce ps16310\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16315 ss1921\"><div><div class=\"ps14224 ss212\"><span class=\"f charStyle-a26246ce ps16311\">Change in fair value <span class=\"f ps2\"> </span></span></div><div class=\"ps14218 ss212\"><span class=\"f charStyle-a26246ce ps15028\">used to measure <span class=\"f ps2\"> </span></span></div><div class=\"ps14220 ss212\"><span class=\"f charStyle-a26246ce ps16312\">hedge <span class=\"f ps2\"> </span></span></div><div class=\"ps14214 ss212\"><span class=\"f charStyle-a26246ce ps16313\">ineffectiveness for <span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss212\"><span class=\"f charStyle-a26246ce ps16314\">the year<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16316 ss1922\"><div><div class=\"ps4014 ss1918\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3564 ss1923\"><div><div class=\"ps997 ss1918\"><span class=\"f charStyle-b7f6e8e5 ps7\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps216 ss1924\"><div><div class=\"ps815 ss1918\"><span class=\"f charStyle-2b0f4fe0 ps7\">Hedged assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16317 ss1521\"><div><div class=\"ps815 ss1225\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interest rate swap^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16318 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.29pt\"></span></span><span class=\"ps854\">2\u00a0436\u00a0034<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16319 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:44.63pt\"></span></span><span class=\"ps2267\">67\u00a0738<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16321 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.68pt\"></span></span><span class=\"ps16320\">(2\u00a0344)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16323 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.92pt\"></span></span><span class=\"ps16322\">(11\u00a0635)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14634 ss1924\"><div><div class=\"ps815 ss1918\"><span class=\"f charStyle-2b0f4fe0 ps7\">Hedged liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16324 ss1521\"><div><div class=\"ps815 ss1225\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interest rate swap^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16326 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.72pt\"></span></span><span class=\"ps16325\">5\u00a0520\u00a0303<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16328 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:59.76pt\"></span></span><span class=\"ps16327\">84<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16330 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.06pt\"></span></span><span class=\"ps16329\">(48\u00a0776)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16331 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:50.87pt\"></span></span><span class=\"ps448\">4\u00a0141<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16333 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.57pt\"></span></span><span class=\"ps16332\">7\u00a0956\u00a0337<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16335 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.03pt\"></span></span><span class=\"ps16334\">67\u00a0822<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16337 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.72pt\"></span></span><span class=\"ps16336\">(51\u00a0120)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16339 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:44.2pt\"></span></span><span class=\"ps16338\">(7\u00a0494)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps1353 ss1924\"><div><div class=\"ps815 ss1918\"><span class=\"f charStyle-b7f6e8e5 ps7\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps45 ss1924\"><div><div class=\"ps815 ss1918\"><span class=\"f charStyle-2b0f4fe0 ps7\">Hedged assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16340 ss1521\"><div><div class=\"ps815 ss1225\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interest rate swap^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16341 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.04pt\"></span></span><span class=\"ps10391\">2\u00a0362\u00a0156<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16342 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.92pt\"></span></span><span class=\"ps16322\">89\u00a0938<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16344 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:46.38pt\"></span></span><span class=\"ps16343\">(6\u00a0097)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16346 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.46pt\"></span></span><span class=\"ps16345\">(49\u00a0132)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2367 ss1924\"><div><div class=\"ps815 ss1918\"><span class=\"f charStyle-2b0f4fe0 ps7\">Hedged liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16347 ss1521\"><div><div class=\"ps815 ss1225\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interest rate swap^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16349 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.94pt\"></span></span><span class=\"ps16348\">4\u00a0961\u00a0982<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16350 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.98pt\"></span></span><span class=\"ps15916\">2\u00a0158<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16352 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.48pt\"></span></span><span class=\"ps16351\">(54\u00a0992)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16354 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.96pt\"></span></span><span class=\"ps16353\">46\u00a0622<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16355 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.34pt\"></span></span><span class=\"ps15383\">7\u00a0324\u00a0138<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16357 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.1pt\"></span></span><span class=\"ps16356\">92\u00a0096<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16358 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.09pt\"></span></span><span class=\"ps15906\">(61\u00a0089)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16360 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.39pt\"></span></span><span class=\"ps16359\">(2\u00a0510)</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps16362 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">This is the financial instrument designated as a hedging instrument which is included within derivative financial instruments on the balance sheet.</span></span></div></div><div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">47</span><span class=\"f charStyle-f6a3ab10 ps16271\">. </span><span class=\"f charStyle-f6a3ab10 ps16273\">Hedges</span><span class=\"f charStyle-f6a3ab10 ps16378\"> (continued)</span></div><div class=\"ps979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Fair value hedges - Maturity analysis of hedging instruments</span></div><div class=\"ps13812 ss8\"><div class=\"ss47 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:128.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:48pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:41.25pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:56.25pt\"></td></tr><tr style=\"height:15pt\"><td style=\"padding:0\"><div class=\"ps19 ss1926\"><div><div class=\"ps3534 ss5\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16382 ss1927\"><div><div class=\"ps16380 ss114\"><span class=\"f charStyle-a26246ce ps16379\">Up to one <span class=\"f ps2\"> </span></span></div><div class=\"ps16381 ss114\"><span class=\"f charStyle-a26246ce ps11413\">month<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps8703 ss1928\"><div><div class=\"ps16383 ss926\"><span class=\"f charStyle-a26246ce ps8396\">One month <span class=\"f ps2\"> </span></span></div><div class=\"ps16380 ss926\"><span class=\"f charStyle-a26246ce ps13571\">to three <span class=\"f ps2\"> </span></span></div><div class=\"ps16381 ss926\"><span class=\"f charStyle-a26246ce ps16384\">months<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16386 ss1929\"><div><div class=\"ps16383 ss936\"><span class=\"f charStyle-a26246ce ps10215\">Three <span class=\"f ps2\"> </span></span></div><div class=\"ps16380 ss936\"><span class=\"f charStyle-a26246ce ps14504\">months to <span class=\"f ps2\"> </span></span></div><div class=\"ps16381 ss936\"><span class=\"f charStyle-a26246ce ps16385\">six months<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16387 ss1930\"><div><div class=\"ps16380 ss1333\"><span class=\"f charStyle-a26246ce ps14329\">Six months to <span class=\"f ps2\"> </span></span></div><div class=\"ps16381 ss1333\"><span class=\"f charStyle-a26246ce ps14030\">one year<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps6324 ss1931\"><div><div class=\"ps16380 ss517\"><span class=\"f charStyle-a26246ce ps16388\">One to five <span class=\"f ps2\"> </span></span></div><div class=\"ps16381 ss517\"><span class=\"f charStyle-a26246ce ps16389\">years<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15213 ss1930\"><div><div class=\"ps16380 ss1333\"><span class=\"f charStyle-a26246ce ps11559\">Greater than <span class=\"f ps2\"> </span></span></div><div class=\"ps16381 ss1333\"><span class=\"f charStyle-a26246ce ps9694\">five years<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16390 ss1932\"><div><div class=\"ps16381 ss296\"><span class=\"f charStyle-a26246ce ps11118\">Total<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3538 ss1933\"><div><div class=\"ps14732 ss5\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps213 ss1934\"><div><div class=\"ps5724 ss5\"><span class=\"f charStyle-b7f6e8e5 ps7\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4463 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-b7f6e8e5 ps7\">Asset hedging - Notionals<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3551 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16391 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16392 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.03pt\"></span></span><span class=\"ps11649\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16394 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.87pt\"></span></span><span class=\"ps16393\">24\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16395 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.85pt\"></span></span><span class=\"ps8480\">32\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16396 ss856\"><div><div class=\"ps815 ss517\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.91pt\"></span></span><span class=\"ps8392\">376\u00a0020<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16398 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.99pt\"></span></span><span class=\"ps16397\">17\u00a0878<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16399 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.5pt\"></span></span><span class=\"ps8426\">449\u00a0898<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4561 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-2b0f4fe0 ps7\">Bank debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16400 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16401 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.03pt\"></span></span><span class=\"ps11649\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16403 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.44pt\"></span></span><span class=\"ps16402\">4\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16405 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.08pt\"></span></span><span class=\"ps16404\">1\u00a0470<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9357 ss856\"><div><div class=\"ps815 ss517\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.44pt\"></span></span><span class=\"ps16406\">24\u00a0621<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16407 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.45pt\"></span></span><span class=\"ps11727\">11\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16408 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.64pt\"></span></span><span class=\"ps11929\">41\u00a0091<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps114 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16409 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16410 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.03pt\"></span></span><span class=\"ps11649\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16411 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16412 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.53pt\"></span></span><span class=\"ps9395\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9360 ss856\"><div><div class=\"ps815 ss517\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.94pt\"></span></span><span class=\"ps14360\">8\u00a0500<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16413 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.53pt\"></span></span><span class=\"ps9395\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16414 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.94pt\"></span></span><span class=\"ps10217\">8\u00a0500<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9365 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4677 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Micro hedging<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16415 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16416 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.03pt\"></span></span><span class=\"ps11649\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16417 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16419 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.32pt\"></span></span><span class=\"ps16418\">7\u00a0067<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16421 ss856\"><div><div class=\"ps815 ss517\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.98pt\"></span></span><span class=\"ps16420\">78\u00a0501<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11928 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.4pt\"></span></span><span class=\"ps16422\">15\u00a0828<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16424 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.05pt\"></span></span><span class=\"ps16423\">101\u00a0396<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11931 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Macro portfolio hedging<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16425 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.92pt\"></span></span><span class=\"ps15337\">5\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16426 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.23pt\"></span></span><span class=\"ps14725\">122\u00a0298<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16427 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.14pt\"></span></span><span class=\"ps11498\">86\u00a0850<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16428 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.3pt\"></span></span><span class=\"ps9455\">258\u00a0111<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16430 ss856\"><div><div class=\"ps815 ss517\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:1.73pt\"></span></span><span class=\"ps16429\">1\u00a0021\u00a0855<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11935 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.42pt\"></span></span><span class=\"ps16431\">341\u00a0035<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16433 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.39pt\"></span></span><span class=\"ps16432\">1\u00a0835\u00a0149<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16434 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.77pt\"></span></span><span class=\"ps9675\">5\u00a0000<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16435 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.6pt\"></span></span><span class=\"ps4290\">122\u00a0298<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16437 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.47pt\"></span></span><span class=\"ps16436\">114\u00a0850<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16439 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.23pt\"></span></span><span class=\"ps16438\">298\u00a0648<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16440 ss856\"><div><div class=\"ps815 ss517\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"></span><span class=\"ps7\">1\u00a0509\u00a0497<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16441 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.9pt\"></span></span><span class=\"ps14700\">385\u00a0741<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16443 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.48pt\"></span></span><span class=\"ps16442\">2\u00a0436\u00a0034<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps16444 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-b7f6e8e5 ps7\">Liability hedging - Notionals<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16445 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15539 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-2b0f4fe0 ps7\">Customer accounts (deposits)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15546 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Micro hedging<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16446 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.49pt\"></span></span><span class=\"ps11222\">88\u00a0307<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16447 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.03pt\"></span></span><span class=\"ps11649\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16448 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16449 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.53pt\"></span></span><span class=\"ps9395\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16450 ss856\"><div><div class=\"ps815 ss517\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.32pt\"></span></span><span class=\"ps12139\">50\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15551 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.53pt\"></span></span><span class=\"ps9395\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16452 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.02pt\"></span></span><span class=\"ps16451\">138\u00a0307<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15276 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Macro portfolio hedging<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16453 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.56pt\"></span></span><span class=\"ps16081\">70\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16455 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.24pt\"></span></span><span class=\"ps16454\">375\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16456 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.49pt\"></span></span><span class=\"ps14686\">850\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16458 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.95pt\"></span></span><span class=\"ps16457\">2\u00a0315\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16460 ss856\"><div><div class=\"ps815 ss517\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.2pt\"></span></span><span class=\"ps16459\">80\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15283 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.53pt\"></span></span><span class=\"ps9395\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16462 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.83pt\"></span></span><span class=\"ps16461\">3\u00a0690\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15286 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-2b0f4fe0 ps7\">Debt securities in issue<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16463 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16464 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.03pt\"></span></span><span class=\"ps11649\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16465 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16466 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.53pt\"></span></span><span class=\"ps9395\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16468 ss856\"><div><div class=\"ps815 ss517\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.98pt\"></span></span><span class=\"ps16467\">986\u00a0216<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15296 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.53pt\"></span></span><span class=\"ps9395\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16469 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.98pt\"></span></span><span class=\"ps13196\">986\u00a0216<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15299 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-2b0f4fe0 ps7\">Subordinated liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16470 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16471 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.03pt\"></span></span><span class=\"ps11649\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16472 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16474 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.61pt\"></span></span><span class=\"ps16473\">55\u00a0780<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16475 ss856\"><div><div class=\"ps815 ss517\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.61pt\"></span></span><span class=\"ps15671\">350\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15307 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.22pt\"></span></span><span class=\"ps11385\">300\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16476 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.5pt\"></span></span><span class=\"ps11730\">705\u00a0780<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16478 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.07pt\"></span></span><span class=\"ps16477\">158\u00a0307<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16480 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.62pt\"></span></span><span class=\"ps16479\">375\u00a0000<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16481 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.41pt\"></span></span><span class=\"ps414\">850\u00a0000<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16482 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.25pt\"></span></span><span class=\"ps14709\">2\u00a0370\u00a0780<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16483 ss856\"><div><div class=\"ps815 ss517\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"></span><span class=\"ps7\">1\u00a0466\u00a0216<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15565 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.09pt\"></span></span><span class=\"ps441\">300\u00a0000<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16484 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.77pt\"></span></span><span class=\"ps5599\">5\u00a0520\u00a0303<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15567 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-b7f6e8e5 ps7\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15568 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-b7f6e8e5 ps7\">Asset hedging - Notionals<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15569 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16485 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16486 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.03pt\"></span></span><span class=\"ps11649\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16487 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16488 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.55pt\"></span></span><span class=\"ps2281\">8\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16490 ss856\"><div><div class=\"ps815 ss517\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.27pt\"></span></span><span class=\"ps16489\">275\u00a0500<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15574 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.13pt\"></span></span><span class=\"ps16491\">29\u00a0500<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16492 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.62pt\"></span></span><span class=\"ps13622\">313\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15575 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-2b0f4fe0 ps7\">Bank debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16493 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16494 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.03pt\"></span></span><span class=\"ps11649\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16495 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16496 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.53pt\"></span></span><span class=\"ps9395\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16497 ss856\"><div><div class=\"ps815 ss517\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.92pt\"></span></span><span class=\"ps11467\">5\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15581 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.53pt\"></span></span><span class=\"ps9395\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16498 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.92pt\"></span></span><span class=\"ps10428\">5\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15583 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16499 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16500 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.03pt\"></span></span><span class=\"ps11649\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16501 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16502 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.53pt\"></span></span><span class=\"ps9395\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16504 ss856\"><div><div class=\"ps815 ss517\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.76pt\"></span></span><span class=\"ps16503\">15\u00a0473<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15588 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.53pt\"></span></span><span class=\"ps9395\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16505 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.76pt\"></span></span><span class=\"ps12286\">15\u00a0473<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4718 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14156 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Micro hedging<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16506 ss650\"><div><div class=\"ps4184 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.22pt\"></span></span><span class=\"ps11592\">1\u00a0588<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16507 ss930\"><div><div class=\"ps4184 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.03pt\"></span></span><span class=\"ps11649\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16508 ss939\"><div><div class=\"ps4184 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.18pt\"></span></span><span class=\"ps2227\">49\u00a0955<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16510 ss1935\"><div><div class=\"ps4184 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.81pt\"></span></span><span class=\"ps16509\">114\u00a0680<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16512 ss856\"><div><div class=\"ps4184 ss517\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:0.6pt\"></span></span><span class=\"ps16511\">1\u00a0507\u00a0094<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15604 ss1935\"><div><div class=\"ps4184 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.45pt\"></span></span><span class=\"ps16513\">355\u00a0366<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16514 ss305\"><div><div class=\"ps4184 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.9pt\"></span></span><span class=\"ps12873\">2\u00a0028\u00a0683<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1227 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Macro portfolio hedging<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16515 ss650\"><div><div class=\"ps4184 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16516 ss930\"><div><div class=\"ps4184 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.03pt\"></span></span><span class=\"ps11649\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16517 ss939\"><div><div class=\"ps4184 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16518 ss1935\"><div><div class=\"ps4184 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.53pt\"></span></span><span class=\"ps9395\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16519 ss856\"><div><div class=\"ps4184 ss517\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.78pt\"></span></span><span class=\"ps11459\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16520 ss1935\"><div><div class=\"ps4184 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.53pt\"></span></span><span class=\"ps9395\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16521 ss305\"><div><div class=\"ps4184 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps16522 ss1578\"><div><div class=\"ps9695 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.68pt\"></span></span><span class=\"ps8322\">1\u00a0588<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps16523 ss1936\"><div><div class=\"ps9695 ss926\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.56pt\"></span></span><span class=\"ps11090\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps16525 ss1761\"><div><div class=\"ps9695 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.19pt\"></span></span><span class=\"ps16524\">49\u00a0955<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps16527 ss1937\"><div><div class=\"ps9695 ss1333\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.66pt\"></span></span><span class=\"ps16526\">122\u00a0680<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps16528 ss1938\"><div><div class=\"ps9695 ss517\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"></span><span class=\"ps7\">1\u00a0803\u00a0067<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps16530 ss1937\"><div><div class=\"ps9695 ss1333\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.01pt\"></span></span><span class=\"ps16529\">384\u00a0866<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps16531 ss388\"><div><div class=\"ps9695 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.57pt\"></span></span><span class=\"ps11455\">2\u00a0362\u00a0156<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"padding:0\"><div class=\"ps8672 ss1939\"><div><div class=\"ps5733 ss5\"><span class=\"f charStyle-b7f6e8e5 ps7\">Liability hedging - Notionals<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1090 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-2b0f4fe0 ps7\">Customer accounts (deposits)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1094 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Micro hedging<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16532 ss650\"><div><div class=\"ps4184 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.98pt\"></span></span><span class=\"ps99\">150\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16534 ss930\"><div><div class=\"ps4184 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.65pt\"></span></span><span class=\"ps16533\">84\u00a0837<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16535 ss939\"><div><div class=\"ps4184 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.67pt\"></span></span><span class=\"ps11461\">861\u00a0200<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16536 ss1935\"><div><div class=\"ps4184 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.49pt\"></span></span><span class=\"ps11640\">1\u00a0925\u00a0510<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16537 ss856\"><div><div class=\"ps4184 ss517\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.21pt\"></span></span><span class=\"ps11541\">20\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16538 ss1935\"><div><div class=\"ps4184 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.53pt\"></span></span><span class=\"ps9395\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16540 ss305\"><div><div class=\"ps4184 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.37pt\"></span></span><span class=\"ps16539\">3\u00a0041\u00a0547<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1099 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Macro portfolio hedging<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16541 ss650\"><div><div class=\"ps4184 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16542 ss930\"><div><div class=\"ps4184 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.03pt\"></span></span><span class=\"ps11649\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16543 ss939\"><div><div class=\"ps4184 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16544 ss1935\"><div><div class=\"ps4184 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.53pt\"></span></span><span class=\"ps9395\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16545 ss856\"><div><div class=\"ps4184 ss517\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.78pt\"></span></span><span class=\"ps11459\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16546 ss1935\"><div><div class=\"ps4184 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.53pt\"></span></span><span class=\"ps9395\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16547 ss305\"><div><div class=\"ps4184 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1103 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-2b0f4fe0 ps7\">Debt securities in issue<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16548 ss650\"><div><div class=\"ps4184 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16549 ss930\"><div><div class=\"ps4184 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.03pt\"></span></span><span class=\"ps11649\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16550 ss939\"><div><div class=\"ps4184 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.16pt\"></span></span><span class=\"ps9318\">115\u00a0535<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16551 ss1935\"><div><div class=\"ps4184 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.91pt\"></span></span><span class=\"ps9536\">135\u00a0016<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16553 ss856\"><div><div class=\"ps4184 ss517\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.6pt\"></span></span><span class=\"ps16552\">969\u00a0883<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16554 ss1935\"><div><div class=\"ps4184 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.53pt\"></span></span><span class=\"ps9395\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16555 ss305\"><div><div class=\"ps4184 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.91pt\"></span></span><span class=\"ps4235\">1\u00a0220\u00a0434<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1107 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-2b0f4fe0 ps7\">Subordinated liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16556 ss650\"><div><div class=\"ps4184 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16557 ss930\"><div><div class=\"ps4184 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.03pt\"></span></span><span class=\"ps11649\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16558 ss939\"><div><div class=\"ps4184 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16559 ss1935\"><div><div class=\"ps4184 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.53pt\"></span></span><span class=\"ps9395\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16560 ss856\"><div><div class=\"ps4184 ss517\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.96pt\"></span></span><span class=\"ps11643\">700\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16561 ss1935\"><div><div class=\"ps4184 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.53pt\"></span></span><span class=\"ps9395\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16562 ss305\"><div><div class=\"ps4184 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.96pt\"></span></span><span class=\"ps6947\">700\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16564 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.94pt\"></span></span><span class=\"ps16563\">150\u00a0000<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16565 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.95pt\"></span></span><span class=\"ps2271\">84\u00a0837<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16566 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.24pt\"></span></span><span class=\"ps16454\">976\u00a0735<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16568 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.61pt\"></span></span><span class=\"ps16567\">2\u00a0060\u00a0526<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16569 ss856\"><div><div class=\"ps815 ss517\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"></span><span class=\"ps7\">1\u00a0689\u00a0883<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16571 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.06pt\"></span></span><span class=\"ps16570\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16573 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.13pt\"></span></span><span class=\"ps16572\">4\u00a0961\u00a0981<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps16574 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">Historically the maturity analysis has been presented based on the hedged items, rather than hedging instruments. As a result of this change, comparatives have been </span></span></div><div class=\"ps16575 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">included on a consistent basis.</span></div></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">47</span><span class=\"f charStyle-f6a3ab10 ps16271\">. </span><span class=\"f charStyle-f6a3ab10 ps16273\">Hedges</span><span class=\"f charStyle-f6a3ab10 ps16378\"> (continued)</span></div><div class=\"ps979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Fair value hedges - Hedged items</span></div><div class=\"ps13812 ss8\"><div class=\"ss47 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:126pt\"></td><td style=\"padding:0;width:59.25pt\"></td><td style=\"padding:0;width:59.25pt\"></td><td style=\"padding:0;width:59.25pt\"></td><td style=\"padding:0;width:59.25pt\"></td><td style=\"padding:0;width:59.25pt\"></td><td style=\"padding:0;width:59.25pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps14026 ss1940\"><div><div class=\"ps809 ss700\"><span class=\"f charStyle-a26246ce ps16576\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps16578 ss1940\"><div><div class=\"ps809 ss700\"><span class=\"f charStyle-a26246ce ps16577\">2025<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16580 ss1941\"><div><div class=\"ps14216 ss1753\"><span class=\"f charStyle-a26246ce ps16579\">Carrying value<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16583 ss1941\"><div><div class=\"ps14220 ss1753\"><span class=\"f charStyle-ef17fa27 ps11096\">Cumulative </span></div><div class=\"ps14214 ss1753\"><span class=\"f charStyle-ef17fa27 ps16581\">fair value </span></div><div class=\"ps14216 ss1753\"><span class=\"f charStyle-ef17fa27 ps13488\">adjustments</span><span class=\"f charStyle-d8bac126 ps16582\"><sup>#</sup></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16586 ss1941\"><div><div class=\"ps14224 ss1753\"><span class=\"f charStyle-a26246ce ps4944\">Change in fair <span class=\"f ps2\"> </span></span></div><div class=\"ps14218 ss1753\"><span class=\"f charStyle-a26246ce ps5501\">value used to <span class=\"f ps2\"> </span></span></div><div class=\"ps14220 ss1753\"><span class=\"f charStyle-a26246ce ps16584\">measure <span class=\"f ps2\"> </span></span></div><div class=\"ps14214 ss1753\"><span class=\"f charStyle-a26246ce ps16585\">ineffectiveness <span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss1753\"><span class=\"f charStyle-a26246ce ps15760\">for the year^<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16587 ss1941\"><div><div class=\"ps14216 ss1753\"><span class=\"f charStyle-a26246ce ps16579\">Carrying value<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16588 ss1941\"><div><div class=\"ps14220 ss1753\"><span class=\"f charStyle-ef17fa27 ps11096\">Cumulative </span></div><div class=\"ps14214 ss1753\"><span class=\"f charStyle-ef17fa27 ps16581\">fair value </span></div><div class=\"ps14216 ss1753\"><span class=\"f charStyle-ef17fa27 ps13488\">adjustments</span><span class=\"f charStyle-d8bac126 ps16582\"><sup>#</sup></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12414 ss1941\"><div><div class=\"ps14224 ss1753\"><span class=\"f charStyle-a26246ce ps4944\">Change in fair <span class=\"f ps2\"> </span></span></div><div class=\"ps14218 ss1753\"><span class=\"f charStyle-a26246ce ps5501\">value used to <span class=\"f ps2\"> </span></span></div><div class=\"ps14220 ss1753\"><span class=\"f charStyle-a26246ce ps16584\">measure <span class=\"f ps2\"> </span></span></div><div class=\"ps14214 ss1753\"><span class=\"f charStyle-a26246ce ps16585\">ineffectiveness <span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss1753\"><span class=\"f charStyle-a26246ce ps16589\">for the year<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3516 ss382\"><div><div class=\"ps1404 ss356\"><span class=\"f charStyle-ef17fa27 ps16590\">At 31 March<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss356\"><span class=\"f charStyle-ef17fa27 ps16591\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps4049 ss1942\"><div><div class=\"ps815 ss356\"><span class=\"f charStyle-b7f6e8e5 ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3844 ss1942\"><div><div class=\"ps4184 ss356\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16592 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.38pt\"></span></span><span class=\"ps11646\">449\u00a0632<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16594 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.51pt\"></span></span><span class=\"ps16593\">(6\u00a0513)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16595 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.16pt\"></span></span><span class=\"ps2275\">(2\u00a0094)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16596 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.16pt\"></span></span><span class=\"ps4432\">311\u00a0905<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16598 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.3pt\"></span></span><span class=\"ps16597\">(4\u00a0419)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16600 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.67pt\"></span></span><span class=\"ps16599\">554<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13417 ss1942\"><div><div class=\"ps4184 ss356\"><span class=\"f charStyle-2b0f4fe0 ps7\">Bank debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16602 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.43pt\"></span></span><span class=\"ps16601\">41\u00a0245<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16604 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.21pt\"></span></span><span class=\"ps16603\">(616)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16605 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.97pt\"></span></span><span class=\"ps828\">(549)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16607 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.12pt\"></span></span><span class=\"ps16606\">5\u00a0295<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16609 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.9pt\"></span></span><span class=\"ps16608\">(67)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16611 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.73pt\"></span></span><span class=\"ps16610\">1\u00a0343<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4807 ss1942\"><div><div class=\"ps4184 ss356\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16612 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.46pt\"></span></span><span class=\"ps9361\">8\u00a0755<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16614 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:46.47pt\"></span></span><span class=\"ps16613\">(7)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16615 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.29pt\"></span></span><span class=\"ps11339\">(150)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16616 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.01pt\"></span></span><span class=\"ps8351\">15\u00a0754<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16618 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.54pt\"></span></span><span class=\"ps16617\">143<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16620 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.79pt\"></span></span><span class=\"ps16619\">415<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3328 ss1942\"><div><div class=\"ps4184 ss356\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1026 ss1942\"><div><div class=\"ps4184 ss356\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Micro hedging<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16621 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.57pt\"></span></span><span class=\"ps12187\">127\u00a0162<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16623 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.81pt\"></span></span><span class=\"ps16622\">(33\u00a0729)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16624 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.06pt\"></span></span><span class=\"ps11782\">40\u00a0246<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16625 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.14pt\"></span></span><span class=\"ps10504\">2\u00a0012\u00a0683<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16626 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.3pt\"></span></span><span class=\"ps8452\">(73\u00a0976)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16627 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.55pt\"></span></span><span class=\"ps8478\">42\u00a0897<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1027 ss1942\"><div><div class=\"ps4184 ss356\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Macro portfolio hedging<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16629 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.75pt\"></span></span><span class=\"ps16628\">1\u00a0832\u00a0716<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16630 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.14pt\"></span></span><span class=\"ps8414\">(20\u00a0507)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16631 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.14pt\"></span></span><span class=\"ps8414\">(20\u00a0507)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16633 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.78pt\"></span></span><span class=\"ps16632\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16634 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.78pt\"></span></span><span class=\"ps16632\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16635 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.78pt\"></span></span><span class=\"ps16632\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1031 ss1942\"><div><div class=\"ps4184 ss356\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16636 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.78pt\"></span></span><span class=\"ps16632\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16637 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.78pt\"></span></span><span class=\"ps16632\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16638 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.78pt\"></span></span><span class=\"ps16632\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16639 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.78pt\"></span></span><span class=\"ps16632\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16640 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.78pt\"></span></span><span class=\"ps16632\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16642 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.63pt\"></span></span><span class=\"ps16641\">4\u00a0328<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1035 ss1942\"><div><div class=\"ps815 ss356\"><span class=\"f charStyle-b7f6e8e5 ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps344 ss1942\"><div><div class=\"ps4184 ss356\"><span class=\"f charStyle-2b0f4fe0 ps7\">Customer accounts (deposits)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1042 ss1942\"><div><div class=\"ps4184 ss356\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Micro hedging<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16643 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.45pt\"></span></span><span class=\"ps16000\">(140\u00a0387)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16644 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.54pt\"></span></span><span class=\"ps11418\">(737)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16646 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.8pt\"></span></span><span class=\"ps16645\">764<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16647 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.54pt\"></span></span><span class=\"ps16119\">(3\u00a0267\u00a0390)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16649 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.85pt\"></span></span><span class=\"ps16648\">(1\u00a0501)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16651 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.86pt\"></span></span><span class=\"ps16650\">(1\u00a0072)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1046 ss1942\"><div><div class=\"ps4184 ss356\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Macro portfolio hedging<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16653 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.77pt\"></span></span><span class=\"ps16652\">(3\u00a0730\u00a0467)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16654 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.5pt\"></span></span><span class=\"ps13235\">10\u00a0395<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16655 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.5pt\"></span></span><span class=\"ps13235\">10\u00a0395<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16656 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.78pt\"></span></span><span class=\"ps16632\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16657 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.78pt\"></span></span><span class=\"ps16632\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16658 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.78pt\"></span></span><span class=\"ps16632\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1050 ss1942\"><div><div class=\"ps4184 ss356\"><span class=\"f charStyle-2b0f4fe0 ps7\">Debt securities in issue<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16659 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.74pt\"></span></span><span class=\"ps11134\">(965\u00a0795)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16660 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.03pt\"></span></span><span class=\"ps609\">26\u00a0977<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16662 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">(8\u00a0169)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16663 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.06pt\"></span></span><span class=\"ps14425\">(1\u00a0148\u00a0192)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16664 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.52pt\"></span></span><span class=\"ps8355\">35\u00a0145<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16666 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.36pt\"></span></span><span class=\"ps16665\">(34\u00a0924)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1054 ss1942\"><div><div class=\"ps4184 ss356\"><span class=\"f charStyle-2b0f4fe0 ps7\">Subordinated liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16667 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.19pt\"></span></span><span class=\"ps15795\">(707\u00a0997)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16668 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.5pt\"></span></span><span class=\"ps13235\">10\u00a0365<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16669 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.76pt\"></span></span><span class=\"ps11534\">(8\u00a0675)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16671 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.02pt\"></span></span><span class=\"ps16670\">(699\u00a0940)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16672 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.64pt\"></span></span><span class=\"ps13744\">19\u00a0041<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16674 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.93pt\"></span></span><span class=\"ps16673\">(12\u00a0089)</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps1058 ss1943\"><div><div class=\"ps2754 ss356\"><span class=\"f charStyle-28dc30fb ps7\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16675 ss1944\"><div><div class=\"ps2754 ss1753\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.85pt\"></span></span><span class=\"ps9416\">(3\u00a0085\u00a0136)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16676 ss1944\"><div><div class=\"ps2754 ss1753\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.15pt\"></span></span><span class=\"ps12149\">(14\u00a0372)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16678 ss1944\"><div><div class=\"ps2754 ss1753\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.4pt\"></span></span><span class=\"ps16677\">11\u00a0261<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16679 ss1944\"><div><div class=\"ps2754 ss1753\"><span class=\"f charStyle-28dc30fb\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.11pt\"></span></span><span class=\"ps15783\">(2\u00a0769\u00a0885)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16680 ss1944\"><div><div class=\"ps2754 ss1753\"><span class=\"f charStyle-28dc30fb\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.14pt\"></span></span><span class=\"ps8414\">(25\u00a0634)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16682 ss1944\"><div><div class=\"ps2754 ss1753\"><span class=\"f charStyle-28dc30fb\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.76pt\"></span></span><span class=\"ps16681\">1\u00a0452<span style=\"display:inline-block;height:7.26pt;width:2.73pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps16687 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-3e468f6d ps14678\"><sup>#</sup></span><span class=\"f charStyle-207fba8f\"><span class=\"ps14679\"><span style=\"display:inline-block;height:5.81pt;width:11.71pt\"></span></span><span class=\"ps968\">Included in 'Change in fair value used to measure hedge ineffectiveness for the year\u2019 is a</span></span><span class=\"f charStyle-207fba8f ps16683\"> \u00a36 million gain (</span><span class=\"f charStyle-207fba8f ps16684\">2025</span><span class=\"f charStyle-207fba8f ps16685\">: \u00a312.5 million gain)</span><span class=\"f charStyle-207fba8f ps16686\"> due to the amortisation subsequent </span></div><div class=\"ps16688 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">to de-designation of accumulated fair value hedge adjustments related to the structural hedging programme undertaken in December 2022. Also included only in the </span></div><div class=\"ps16691 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">prior year is a </span><span class=\"f charStyle-207fba8f ps16689\">\u00a34.6 million loss </span><span class=\"f charStyle-207fba8f ps16690\">relating to the reversal of the cumulative fair value adjustments recognised up to the date of the buyback of debt securities in issue.\u00a0 </span></div><div class=\"ps16693 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">Included in \u2018Cumulative fair value adjustments\u2019 for loans and advances to customers is a</span></span><span class=\"f charStyle-207fba8f ps16692\"> loss of \u00a332 million related to micro hedging activities that have ceased. In </span></div><div class=\"ps16697 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">addition, there is a \u00a31.2 million cumulative loss (</span><span class=\"f charStyle-207fba8f ps16694\">2025</span><span class=\"f charStyle-207fba8f ps16695\">: \u00a36.4 million loss) </span><span class=\"f charStyle-207fba8f ps16696\">for hedged items ceasing to be adjusted for fair value gains or losses related to the structural </span></div><div class=\"ps16698 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">hedging programme.</span></div><div class=\"ps8150 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The changes in the fair value on the hedged item and hedging instruments are included in \u2018balance sheet management and other </span></div><div class=\"ps4858 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">trading income\u2019 in the income statement. These hedges resulted in a net amount of ineffectiveness of a</span><span class=\"f charStyle-33e1c6d6 ps16699\"> loss of \u00a32.2 million (</span><span class=\"f charStyle-33e1c6d6 ps16700\">2025</span><span class=\"f charStyle-33e1c6d6 ps16701\">: </span></div><div class=\"ps4859 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u00a39 million loss).</span></div><div class=\"ps8152 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In circumstances where the hedged item has been de-designated but remains on balance sheet, i.e. as part of the structural </span></div><div class=\"ps8153 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">hedging programme, any accumulated fair value hedge adjustments are recognised in the income statement over the remaining life </span></div><div class=\"ps8191 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of the hedged item. </span></div><div class=\"ps8833 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The following table discloses the average interest rate of the hedging instrument included in the fair value hedging relationships.</span></div><div class=\"ps4865 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">UK </span></div><div class=\"ps16727 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:222.75pt\"></td><td style=\"padding:0;width:63.75pt\"></td><td style=\"padding:0;width:63.75pt\"></td><td style=\"padding:0;width:63.75pt\"></td><td style=\"padding:0;width:63.75pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps2723 ss1945\"><div><div class=\"ps809 ss1215\"><span class=\"f charStyle-a26246ce ps16702\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps16704 ss1946\"><div><div class=\"ps809 ss951\"><span class=\"f charStyle-8d4b9b37 ps16703\">2025<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16706 ss1948\"><div><div class=\"ps1404 ss1947\"><span class=\"f charStyle-a26246ce ps11440\">Average <span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss1947\"><span class=\"f charStyle-a26246ce ps16705\">GBP rate</span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16708 ss1948\"><div><div class=\"ps1404 ss1947\"><span class=\"f charStyle-a26246ce ps16707\">Average foreign <span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss1947\"><span class=\"f charStyle-a26246ce ps15183\">currency rate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16711 ss1948\"><div><div class=\"ps1404 ss1947\"><span class=\"f charStyle-8d4b9b37 ps16709\">Average <span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss1947\"><span class=\"f charStyle-8d4b9b37 ps16710\">GBP rate</span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6717 ss1948\"><div><div class=\"ps1404 ss1947\"><span class=\"f charStyle-8d4b9b37 ps10370\">Average foreign <span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss1947\"><span class=\"f charStyle-8d4b9b37 ps16712\">currency rate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps362 ss609\"><div><div class=\"ps997 ss608\"><span class=\"f charStyle-b7f6e8e5 ps7\">Interest rate swaps \u2013 Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps16714 ss1949\"><div><div class=\"ps997 ss1947\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps16713\"></span><span class=\"ps16713\">3.01%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps16716 ss1949\"><div><div class=\"ps997 ss1947\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps16715\"></span><span class=\"ps16715\">4.05%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps16718 ss1949\"><div><div class=\"ps997 ss1947\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps16717\"></span><span class=\"ps16717\">2.70%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps16719 ss1949\"><div><div class=\"ps997 ss1947\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps15293\"></span><span class=\"ps15293\">2.74%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3453 ss1950\"><div><div class=\"ps815 ss608\"><span class=\"f charStyle-b7f6e8e5 ps7\">Interest rate swaps \u2013 Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16720 ss1951\"><div><div class=\"ps815 ss1947\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps10452\"></span><span class=\"ps10452\">3.52%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16722 ss1951\"><div><div class=\"ps815 ss1947\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps16721\"></span><span class=\"ps16721\">2.39%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16724 ss1951\"><div><div class=\"ps815 ss1947\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps16723\"></span><span class=\"ps16723\">3.72%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16726 ss1951\"><div><div class=\"ps815 ss1947\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps16725\"></span><span class=\"ps16725\">1.72%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps5918 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Cash flow hedges <span class=\"f ps2\"> </span></span></div><div class=\"ps5919 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The change in the benchmark interest rate exposes the Group to cash flow variability risk from both existing and highly probable <span class=\"f ps2\"> </span></span></div><div class=\"ps5920 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">future transactions. During the year the Group entered into interest rate swap transactions to mitigate the cash flow variability risk.<span class=\"f ps2\"> </span></span></div><div class=\"ps5921 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The aggregate expected cash flows were hedged based on cash flow forecasts with reference to terms and conditions present <span class=\"f ps2\"> </span></span></div><div class=\"ps14189 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">in\u00a0the affected contractual arrangements. Changes in fair value were initially recognised in other comprehensive income and </span></div><div class=\"ps14190 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reclassified to the income statement when the cash flows affected the income statement. <span class=\"f ps2\"> </span></span></div><div class=\"ps14191 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Cash flow hedges - Hedging instruments and ineffectiveness</span></div><div class=\"ps16761 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:155.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:48pt\"></td><td style=\"padding:0;width:61.5pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"7\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps16729 ss1953\"><div><div class=\"ps11991 ss1952\"><span class=\"f charStyle-a26246ce ps16728\">2026<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"></td><td rowspan=\"3\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10539 ss1954\"><div><div class=\"ps16730 ss818\"><span class=\"f charStyle-a26246ce ps14967\">Notional<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16732 ss1955\"><div><div class=\"ps11991 ss43\"><span class=\"f charStyle-a26246ce ps16731\">Carrying Amount<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"3\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16737 ss1956\"><div><div class=\"ps16733 ss1810\"><span class=\"f charStyle-a26246ce ps12494\">Change in fair <span class=\"f ps2\"> </span></span></div><div class=\"ps16734 ss1810\"><span class=\"f charStyle-a26246ce ps15132\">value used to <span class=\"f ps2\"> </span></span></div><div class=\"ps16735 ss1810\"><span class=\"f charStyle-a26246ce ps15928\">calculate hedge <span class=\"f ps2\"> </span></span></div><div class=\"ps16730 ss1810\"><span class=\"f charStyle-a26246ce ps16736\">ineffectiveness<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"3\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14939 ss1957\"><div><div class=\"ps16734 ss936\"><span class=\"f charStyle-a26246ce ps16738\">Gain/(loss) <span class=\"f ps2\"> </span></span></div><div class=\"ps16735 ss936\"><span class=\"f charStyle-a26246ce ps16739\">recognised <span class=\"f ps2\"> </span></span></div><div class=\"ps16730 ss936\"><span class=\"f charStyle-a26246ce ps15346\">in OCI<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"3\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16742 ss1958\"><div><div class=\"ps16733 ss916\"><span class=\"f charStyle-a26246ce ps16740\">Ineffectiveness <span class=\"f ps2\"> </span></span></div><div class=\"ps16734 ss916\"><span class=\"f charStyle-a26246ce ps16741\">(loss) recognised <span class=\"f ps2\"> </span></span></div><div class=\"ps16735 ss916\"><span class=\"f charStyle-a26246ce ps11762\">in the income <span class=\"f ps2\"> </span></span></div><div class=\"ps16730 ss916\"><span class=\"f charStyle-a26246ce ps586\">statement*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:15pt\"><td style=\"padding:0\"><div class=\"ps3422 ss1959\"><div><div class=\"ps3534 ss1029\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16743 ss1960\"><div><div class=\"ps12728 ss818\"><span class=\"f charStyle-a26246ce ps11158\">Asset<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16744 ss1960\"><div><div class=\"ps12728 ss818\"><span class=\"f charStyle-a26246ce ps12866\">Liability<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps3545 ss1606\"><div><div class=\"ps11991 ss1029\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps3551 ss1606\"><div><div class=\"ps2754 ss1029\"><span class=\"f charStyle-b7f6e8e5 ps7\">Interest rate risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss1829\"><div><div class=\"ps815 ss1029\"><span class=\"f charStyle-9458d4de ps7\">Interest rate swaps</span><span class=\"f charStyle-70e7a25b ps16745\"><span class=\"f ps2\"> </span><sup>#</sup></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16746 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.1pt\"></span></span><span class=\"ps15059\">750\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16747 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16748 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.28pt\"></span></span><span class=\"ps9500\">(3\u00a0421)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16750 ss1961\"><div><div class=\"ps815 ss1810\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.05pt\"></span></span><span class=\"ps16749\">(3\u00a0469)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2823 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.14pt\"></span></span><span class=\"ps16751\">(3\u00a0552)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16753 ss1962\"><div><div class=\"ps815 ss916\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:46.24pt\"></span></span><span class=\"ps16752\">83<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16755 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.15pt\"></span></span><span class=\"ps16754\">750\u00a0000<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16756 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.31pt\"></span></span><span class=\"ps2711\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16757 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.61pt\"></span></span><span class=\"ps13238\">(3\u00a0421)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16758 ss1961\"><div><div class=\"ps815 ss1810\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.1pt\"></span></span><span class=\"ps10033\">(3\u00a0469)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2827 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.45pt\"></span></span><span class=\"ps6215\">(3\u00a0552)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16760 ss1962\"><div><div class=\"ps815 ss916\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.17pt\"></span></span><span class=\"ps16759\">83<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps16799 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:154.5pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:48pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"7\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps7922 ss1964\"><div><div class=\"ps11991 ss1963\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps16762\">2025</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"></td><td rowspan=\"3\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16764 ss1965\"><div><div class=\"ps16763 ss818\"><span class=\"f charStyle-8d4b9b37 ps8347\">Notional<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16765 ss1955\"><div><div class=\"ps11991 ss43\"><span class=\"f charStyle-8d4b9b37 ps15184\">Carrying Amount<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"3\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16773 ss1966\"><div><div class=\"ps16767 ss1810\"><span class=\"f charStyle-8d4b9b37 ps16766\">Change in fair <span class=\"f ps2\"> </span></span></div><div class=\"ps16769 ss1810\"><span class=\"f charStyle-8d4b9b37 ps16768\">value used to <span class=\"f ps2\"> </span></span></div><div class=\"ps16771 ss1810\"><span class=\"f charStyle-8d4b9b37 ps16770\">calculate hedge <span class=\"f ps2\"> </span></span></div><div class=\"ps16763 ss1810\"><span class=\"f charStyle-8d4b9b37 ps16772\">ineffectiveness<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"3\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16776 ss1967\"><div><div class=\"ps16769 ss936\"><span class=\"f charStyle-8d4b9b37 ps16774\">Gain/(loss) <span class=\"f ps2\"> </span></span></div><div class=\"ps16771 ss936\"><span class=\"f charStyle-8d4b9b37 ps16775\">recognised in <span class=\"f ps2\"> </span></span></div><div class=\"ps16763 ss936\"><span class=\"f charStyle-8d4b9b37 ps12145\">OCI<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"3\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16778 ss1966\"><div><div class=\"ps16767 ss1810\"><span class=\"f charStyle-8d4b9b37 ps176\">Ineffectiveness <span class=\"f ps2\"> </span></span></div><div class=\"ps16769 ss1810\"><span class=\"f charStyle-8d4b9b37 ps15725\">(loss) recognised <span class=\"f ps2\"> </span></span></div><div class=\"ps16771 ss1810\"><span class=\"f charStyle-8d4b9b37 ps14275\">in the income <span class=\"f ps2\"> </span></span></div><div class=\"ps16763 ss1810\"><span class=\"f charStyle-8d4b9b37 ps16777\">statement*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:15.75pt\"><td style=\"padding:0\"><div class=\"ps3422 ss1969\"><div><div class=\"ps5939 ss1968\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16780 ss1970\"><div><div class=\"ps16779 ss818\"><span class=\"f charStyle-8d4b9b37 ps16248\">Asset<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16782 ss1970\"><div><div class=\"ps16779 ss818\"><span class=\"f charStyle-8d4b9b37 ps16781\">Liability<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"><div class=\"ps9200 ss1971\"><div><div class=\"ps4014 ss1968\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps830 ss1972\"><div><div class=\"ps2754 ss1968\"><span class=\"f charStyle-b7f6e8e5 ps7\">Interest rate risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4468 ss1973\"><div><div class=\"ps815 ss1968\"><span class=\"f charStyle-9458d4de ps7\">Interest rate swaps</span><span class=\"f charStyle-70e7a25b ps16745\"><span class=\"f ps2\"> </span><sup>#</sup></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16783 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.61pt\"></span></span><span class=\"ps123\">350\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16784 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16785 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.94pt\"></span></span><span class=\"ps2453\">(208)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16786 ss1961\"><div><div class=\"ps815 ss1810\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.02pt\"></span></span><span class=\"ps15454\">(3\u00a0938)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16787 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.01pt\"></span></span><span class=\"ps4125\">(3\u00a0913)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16789 ss1961\"><div><div class=\"ps815 ss1810\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:44.66pt\"></span></span><span class=\"ps16788\">(25)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16790 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.67pt\"></span></span><span class=\"ps1598\">350\u00a0000<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16791 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.31pt\"></span></span><span class=\"ps2711\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16793 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.92pt\"></span></span><span class=\"ps16792\">(208)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16794 ss1961\"><div><div class=\"ps815 ss1810\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.24pt\"></span></span><span class=\"ps433\">(3\u00a0938)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16796 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.27pt\"></span></span><span class=\"ps16795\">(3\u00a0913)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16798 ss1961\"><div><div class=\"ps815 ss1810\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.2pt\"></span></span><span class=\"ps16797\">(25)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps16800 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Hedge ineffectiveness is included in the income statement within trading income arising from balance sheet management and other trading activities.</span></span></div><div class=\"ps16801 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-3e468f6d ps14678\"><sup>#</sup></span><span class=\"f charStyle-207fba8f ps14679\">\u00a0 \u00a0 \u00a0 All included within derivative financial instruments on the balance sheet.</span></div><div class=\"ps16802 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Cash flow hedges - Hedged items </span></div><div class=\"ps16827 ss8\"><div class=\"ss1321 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:272.25pt\"></td><td style=\"padding:0;width:69pt\"></td><td style=\"padding:0;width:69pt\"></td><td style=\"padding:0;width:69pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps16803 ss1975\"><div><div class=\"ps809 ss1974\"><span class=\"f charStyle-a26246ce ps9627\">2026<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:24pt\"><td style=\"padding:0\"><div class=\"ps816 ss1977\"><div><div class=\"ps11114 ss1976\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16805 ss1978\"><div><div class=\"ps8329 ss354\"><span class=\"f charStyle-a26246ce ps11629\">Change in fair value <span class=\"f ps2\"> </span></span></div><div class=\"ps8331 ss354\"><span class=\"f charStyle-a26246ce ps6474\">used for calculating <span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss354\"><span class=\"f charStyle-a26246ce ps16804\">hedge <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss354\"><span class=\"f charStyle-a26246ce ps5727\">ineffectiveness<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16809 ss1978\"><div><div class=\"ps8331 ss354\"><span class=\"f charStyle-a26246ce ps16806\">Balance in reserve <span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss354\"><span class=\"f charStyle-a26246ce ps16807\">for continuing <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss354\"><span class=\"f charStyle-a26246ce ps16808\">hedges<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16811 ss1978\"><div><div class=\"ps8329 ss354\"><span class=\"f charStyle-a26246ce ps16806\">Balance in reserve <span class=\"f ps2\"> </span></span></div><div class=\"ps8331 ss354\"><span class=\"f charStyle-a26246ce ps14215\">where hedge <span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss354\"><span class=\"f charStyle-a26246ce ps16810\">accounting is no <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss354\"><span class=\"f charStyle-a26246ce ps15120\">longer applied<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps824 ss1979\"><div><div class=\"ps809 ss1976\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps830 ss1980\"><div><div class=\"ps997 ss1976\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps16813 ss1981\"><div><div class=\"ps997 ss354\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.73pt\"></span></span><span class=\"ps16812\">3\u00a0552<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps16815 ss1981\"><div><div class=\"ps997 ss354\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.89pt\"></span></span><span class=\"ps16814\">(3\u00a0620)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps16817 ss1981\"><div><div class=\"ps997 ss354\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:51.78pt\"></span></span><span class=\"ps16816\">112<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4003 ss1979\"><div><div class=\"ps815 ss1976\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deposits by banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16819 ss1982\"><div><div class=\"ps815 ss354\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:55.53pt\"></span></span><span class=\"ps16818\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16820 ss1982\"><div><div class=\"ps815 ss354\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:55.53pt\"></span></span><span class=\"ps16818\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16821 ss1982\"><div><div class=\"ps815 ss354\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:55.53pt\"></span></span><span class=\"ps16818\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps4562 ss1979\"><div><div class=\"ps815 ss1976\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total as at 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16823 ss1982\"><div><div class=\"ps815 ss354\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.51pt\"></span></span><span class=\"ps16822\">3\u00a0552<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16824 ss1982\"><div><div class=\"ps815 ss354\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38pt\"></span></span><span class=\"ps11960\">(3\u00a0620)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16826 ss1982\"><div><div class=\"ps815 ss354\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:50.5pt\"></span></span><span class=\"ps16825\">112<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps16846 ss8\"><div class=\"ss1321 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:272.25pt\"></td><td style=\"padding:0;width:69pt\"></td><td style=\"padding:0;width:69pt\"></td><td style=\"padding:0;width:69pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps16803 ss1975\"><div><div class=\"ps809 ss1974\"><span class=\"f charStyle-a26246ce ps16828\">2025<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:24pt\"><td style=\"padding:0\"><div class=\"ps816 ss1977\"><div><div class=\"ps11114 ss1976\"><span class=\"f charStyle-a26246ce ps7\">At 31 March <span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps16805 ss1978\"><div><div class=\"ps8329 ss354\"><span class=\"f charStyle-8d4b9b37 ps7447\">Change in fair value <span class=\"f ps2\"> </span></span></div><div class=\"ps8331 ss354\"><span class=\"f charStyle-8d4b9b37 ps16829\">used for calculating <span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss354\"><span class=\"f charStyle-8d4b9b37 ps16830\">hedge <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss354\"><span class=\"f charStyle-8d4b9b37 ps6215\">ineffectiveness<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps16809 ss1978\"><div><div class=\"ps8331 ss354\"><span class=\"f charStyle-8d4b9b37 ps16831\">Balance in reserve <span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss354\"><span class=\"f charStyle-8d4b9b37 ps9392\">for continuing <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss354\"><span class=\"f charStyle-8d4b9b37 ps16832\">hedges<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps16811 ss1978\"><div><div class=\"ps8329 ss354\"><span class=\"f charStyle-8d4b9b37 ps16831\">Balance in reserve <span class=\"f ps2\"> </span></span></div><div class=\"ps8331 ss354\"><span class=\"f charStyle-8d4b9b37 ps11148\">where hedge <span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss354\"><span class=\"f charStyle-8d4b9b37 ps16833\">accounting is no <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss354\"><span class=\"f charStyle-8d4b9b37 ps16834\">longer applied<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps824 ss1979\"><div><div class=\"ps809 ss1976\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps830 ss1979\"><div><div class=\"ps815 ss1976\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps16813 ss1982\"><div><div class=\"ps815 ss354\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.37pt\"></span></span><span class=\"ps11178\">3\u00a0632<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps16815 ss1982\"><div><div class=\"ps815 ss354\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:51.29pt\"></span></span><span class=\"ps16835\">(68)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps16817 ss1982\"><div><div class=\"ps815 ss354\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:50.41pt\"></span></span><span class=\"ps16836\">163<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss1979\"><div><div class=\"ps815 ss1976\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deposits by banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16838 ss1982\"><div><div class=\"ps815 ss354\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:50.54pt\"></span></span><span class=\"ps16837\">281<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16839 ss1982\"><div><div class=\"ps815 ss354\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:55.53pt\"></span></span><span class=\"ps16818\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16840 ss1982\"><div><div class=\"ps815 ss354\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.57pt\"></span></span><span class=\"ps15002\">8\u00a0800<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps843 ss1979\"><div><div class=\"ps815 ss1976\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total as at 31 March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16842 ss1982\"><div><div class=\"ps815 ss354\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.33pt\"></span></span><span class=\"ps16841\">3\u00a0913<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16844 ss1982\"><div><div class=\"ps815 ss354\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.6pt\"></span></span><span class=\"ps16843\">(68)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16845 ss1982\"><div><div class=\"ps815 ss354\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.04pt\"></span></span><span class=\"ps3546\">8\u00a0963<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">47<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16271\">. </span><span class=\"f charStyle-f6a3ab10 ps16273\">Hedges</span><span class=\"f charStyle-f6a3ab10 ps16378\"> (continued)</span></div><div class=\"ps5918 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Impact of cash flow hedges on profit and loss and other comprehensive income<span id=\"i1f51e261b00c41a8bf6869a3b29c9a60_1070\"></span></span></div><div class=\"ps8491 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:345pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:66.75pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps16848 ss1983\"><div><div class=\"ps11991 ss27\"><span class=\"f charStyle-a26246ce ps12473\">Income/(Expense)<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps3419 ss1985\"><div><div class=\"ps11991 ss1984\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16849 ss1986\"><div><div class=\"ps4787 ss1682\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps12054\">2026</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16851 ss1987\"><div><div class=\"ps4787 ss1918\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps16850\">2025</span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3422 ss1988\"><div><div class=\"ps4014 ss1984\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps362 ss1989\"><div><div class=\"ps997 ss1984\"><span class=\"f charStyle-b7f6e8e5 ps7\">Cash flow hedge reserve balance as at 1 April<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps16853 ss1686\"><div><div class=\"ps997 ss1682\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.61pt\"></span></span><span class=\"ps16852\">6\u00a0405<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps16855 ss1923\"><div><div class=\"ps997 ss1918\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.29pt\"></span></span><span class=\"ps16854\">17\u00a0664<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3453 ss1990\"><div><div class=\"ps815 ss1984\"><span class=\"f charStyle-2b0f4fe0 ps7\">Net impact on other comprehensive income:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16856 ss1683\"><div><div class=\"ps815 ss1682\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.14pt\"></span></span><span class=\"ps4270\">(8\u00a0931)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16857 ss1924\"><div><div class=\"ps815 ss1918\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.81pt\"></span></span><span class=\"ps12423\">(11\u00a0259)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps3458 ss1991\"><div><div class=\"ps2754 ss1984\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Adjustment recognised in other comprehensive income on effective portion of changes in <span class=\"f ps2\"> </span></span></div><div class=\"ps8671 ss1984\"><span class=\"f charStyle-2b0f4fe0 ps1864\">fair value of hedging instruments</span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16859 ss1992\"><div><div class=\"ps8671 ss1682\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.14pt\"></span></span><span class=\"ps16858\">(3\u00a0552)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps16861 ss1993\"><div><div class=\"ps8671 ss1918\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.76pt\"></span></span><span class=\"ps16860\">(3\u00a0913)</span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps3527 ss1994\"><div><div class=\"ps815 ss1984\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Gain reclassified to income statement when hedged item affected net profit for de-<span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1984\"><span class=\"f charStyle-2b0f4fe0 ps1864\">designated relationships<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps16863 ss1986\"><div><div class=\"ps469 ss1682\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.15pt\"></span></span><span class=\"ps16862\">(8\u00a0852)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16864 ss1987\"><div><div class=\"ps469 ss1918\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.93pt\"></span></span><span class=\"ps16721\">(11\u00a0724)</span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps3612 ss1990\"><div><div class=\"ps815 ss1984\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Taxation charge relating to cash flow hedges<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps16866 ss1683\"><div><div class=\"ps815 ss1682\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.6pt\"></span></span><span class=\"ps16865\">3\u00a0473<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16868 ss1924\"><div><div class=\"ps815 ss1918\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.48pt\"></span></span><span class=\"ps16867\">4\u00a0378<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps3617 ss1990\"><div><div class=\"ps815 ss1984\"><span class=\"f charStyle-b7f6e8e5 ps7\">Cash flow hedge reserve balance as at 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16869 ss1683\"><div><div class=\"ps815 ss1682\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.55pt\"></span></span><span class=\"ps946\">(2\u00a0526)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16870 ss1924\"><div><div class=\"ps815 ss1918\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.56pt\"></span></span><span class=\"ps12034\">6\u00a0405<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4577 ss1990\"><div><div class=\"ps815 ss1984\"><span class=\"f charStyle-b7f6e8e5 ps7\">Closing balance is comprised of:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1361 ss1990\"><div><div class=\"ps815 ss1984\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cash flow hedge reserve before taxation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16872 ss1683\"><div><div class=\"ps815 ss1682\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.99pt\"></span></span><span class=\"ps16871\">(3\u00a0508)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16874 ss1924\"><div><div class=\"ps815 ss1918\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.38pt\"></span></span><span class=\"ps16873\">8\u00a0896<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13728 ss1990\"><div><div class=\"ps815 ss1984\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deferred taxation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16876 ss1683\"><div><div class=\"ps815 ss1682\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:46.31pt\"></span></span><span class=\"ps16875\">982<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16878 ss1924\"><div><div class=\"ps815 ss1918\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.92pt\"></span></span><span class=\"ps16877\">(2\u00a0491)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps4687 ss1990\"><div><div class=\"ps815 ss1984\"><span class=\"f charStyle-b7f6e8e5 ps7\">Cash flow hedge reserve as at 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16879 ss1683\"><div><div class=\"ps815 ss1682\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.55pt\"></span></span><span class=\"ps946\">(2\u00a0526)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16880 ss1924\"><div><div class=\"ps815 ss1918\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.56pt\"></span></span><span class=\"ps12034\">6\u00a0405<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps16881 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Cash flow hedges - Maturity analysis of hedging instruments</span></div><div class=\"ps16905 ss8\"><div class=\"ss1718 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:55.5pt\"></td></tr><tr style=\"height:15pt\"><td style=\"padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16885 ss1641\"><div><div class=\"ps11288 ss1335\"><span class=\"f charStyle-a26246ce ps16882\">Up to one <span class=\"f ps2\"> </span></span></div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-a26246ce ps16883\">month to six <span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-a26246ce ps16884\">months<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12364 ss1641\"><div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-a26246ce ps16886\">Six months to <span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-a26246ce ps16887\">one year<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12405 ss1641\"><div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-a26246ce ps13254\">One to five <span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-a26246ce ps16888\">years<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16890 ss1641\"><div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-a26246ce ps9281\">Greater than <span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-a26246ce ps16889\">five years<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16892 ss1641\"><div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-a26246ce ps16891\">Total<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3538 ss1013\"><div><div class=\"ps1404 ss969\"><span class=\"f charStyle-ef17fa27 ps7\">At 31 March<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss969\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11452 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-b7f6e8e5 ps7\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1202 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-b7f6e8e5 ps7\">Asset hedging - Notionals<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps4468 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16893 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.03pt\"></span></span><span class=\"ps12090\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11295 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.72pt\"></span></span><span class=\"ps16894\">300\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16896 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.88pt\"></span></span><span class=\"ps16895\">450\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16897 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.03pt\"></span></span><span class=\"ps12090\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16898 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.35pt\"></span></span><span class=\"ps11138\">750\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps4084 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-b7f6e8e5 ps7\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4676 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-b7f6e8e5 ps7\">Asset hedging - Notionals<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3327 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16899 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.03pt\"></span></span><span class=\"ps12090\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16900 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.03pt\"></span></span><span class=\"ps12090\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16902 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.86pt\"></span></span><span class=\"ps16901\">350\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16903 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.03pt\"></span></span><span class=\"ps12090\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16904 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.86pt\"></span></span><span class=\"ps16901\">350\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps16906 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">During the current financial year, forecasted future cash flows that were hedge accounted in previous periods are now no longer </span></div><div class=\"ps16907 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">expected to occur due to the repayment of our BOE TFSME. As a result of this, \u00a37.7 million has been reclassified to the income </span></div><div class=\"ps16908 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">statement, and is included in the \u00a38.9 million release above.</span></div><div class=\"ps16909 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The following tables disclose the average interest rate of the hedging instrument included in the cash flow hedging relationships.</span></div><div class=\"ps16910 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">UK</span></div><div class=\"ps16918 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:353.25pt\"></td><td style=\"padding:0;width:63.75pt\"></td><td style=\"padding:0;width:63.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2464 ss1949\"><div><div class=\"ps8543 ss1947\"><span class=\"f charStyle-a26246ce ps12255\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16912 ss1949\"><div><div class=\"ps8543 ss1947\"><span class=\"f charStyle-8d4b9b37 ps16911\">2025<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16913 ss1996\"><div><div class=\"ps4014 ss1947\"><span class=\"f charStyle-a26246ce ps8334\">Average GBP rate <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16915 ss1996\"><div><div class=\"ps4014 ss1947\"><span class=\"f charStyle-8d4b9b37 ps16914\">Average GBP rate <span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps817 ss1998\"><div><div class=\"ps997 ss1997\"><span class=\"f charStyle-b7f6e8e5 ps7\">Interest rate swaps<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps16916 ss1949\"><div><div class=\"ps997 ss1947\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps16723\"></span><span class=\"ps16723\">3.97%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps16917 ss1949\"><div><div class=\"ps997 ss1947\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps10452\"></span><span class=\"ps10452\">3.95%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps16919 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Hedges of net investments</span></div><div class=\"ps16920 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In the current year, the Group implemented hedging of its net investment in Investec Continental Europe Advisory (previously </span></div><div class=\"ps16921 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Capitalmind), resulting in an additional balance of \u00a32.1 million debit in the foreign currency reserve. </span></div><div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_391\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">48<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16234\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16235\">Liquidity analysis of financial liabilities based on undiscounted cash flows<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16922\"> </span></div><div class=\"ps72 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:82.5pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:15.75pt\"><td style=\"padding:0\"><div class=\"ps19 ss2000\"><div><div class=\"ps5939 ss1999\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16925 ss2001\"><div><div class=\"ps985 ss629\"><span class=\"f charStyle-a26246ce ps16923\">Carrying <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss629\"><span class=\"f charStyle-a26246ce ps16924\">value<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16926 ss1166\"><div><div class=\"ps983 ss99\"><span class=\"f charStyle-a26246ce ps4240\">Demand<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16928 ss2003\"><div><div class=\"ps985 ss2002\"><span class=\"f charStyle-a26246ce ps16831\">Up to one <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss2002\"><span class=\"f charStyle-a26246ce ps16927\">month<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2775 ss2003\"><div><div class=\"ps989 ss2002\"><span class=\"f charStyle-a26246ce ps16929\">One month <span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss2002\"><span class=\"f charStyle-a26246ce ps16930\">to three <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss2002\"><span class=\"f charStyle-a26246ce ps16931\">months<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11852 ss2003\"><div><div class=\"ps989 ss2002\"><span class=\"f charStyle-a26246ce ps16932\">Three <span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss2002\"><span class=\"f charStyle-a26246ce ps16933\">months to <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss2002\"><span class=\"f charStyle-a26246ce ps13669\">six months<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16936 ss2003\"><div><div class=\"ps985 ss2002\"><span class=\"f charStyle-a26246ce ps16934\">Six months <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss2002\"><span class=\"f charStyle-a26246ce ps16935\">to one year<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16938 ss2003\"><div><div class=\"ps985 ss2002\"><span class=\"f charStyle-a26246ce ps16937\">One year to <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss2002\"><span class=\"f charStyle-a26246ce ps14957\">five years<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16940 ss2003\"><div><div class=\"ps989 ss2002\"><span class=\"f charStyle-a26246ce ps2271\">Greater <span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss2002\"><span class=\"f charStyle-a26246ce ps11642\">than five </span></div><div class=\"ps983 ss2002\"><span class=\"f charStyle-a26246ce ps16939\">years<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3775 ss2001\"><div><div class=\"ps983 ss629\"><span class=\"f charStyle-a26246ce ps986\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2755 ss2004\"><div><div class=\"ps809 ss1999\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps998 ss2004\"><div><div class=\"ps815 ss1999\"><span class=\"f charStyle-b7f6e8e5 ps7\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3588 ss2004\"><div><div class=\"ps815 ss1999\"><span class=\"f charStyle-b7f6e8e5 ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3593 ss2004\"><div><div class=\"ps815 ss1999\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deposits by banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16941 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.9pt\"></span></span><span class=\"ps12021\">902\u00a0678<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16942 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.38pt\"></span></span><span class=\"ps10243\">210\u00a0561<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16944 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.02pt\"></span></span><span class=\"ps16943\">8\u00a0753<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16946 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.26pt\"></span></span><span class=\"ps16945\">3\u00a0175<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16947 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.14pt\"></span></span><span class=\"ps16751\">6\u00a0507<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16948 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.56pt\"></span></span><span class=\"ps15773\">16\u00a0771<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16950 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.26pt\"></span></span><span class=\"ps16949\">704\u00a0341<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16951 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16953 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.86pt\"></span></span><span class=\"ps16952\">950\u00a0108<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps3323 ss2006\"><div><div class=\"ps815 ss1999\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1999\"><span class=\"f charStyle-2b0f4fe0 ps7\">instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16954 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.78pt\"></span></span><span class=\"ps12494\">419\u00a0205<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16955 ss868\"><div><div class=\"ps469 ss99\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.06pt\"></span></span><span class=\"ps9359\">587<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16957 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.21pt\"></span></span><span class=\"ps16956\">72\u00a0741<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16958 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.86pt\"></span></span><span class=\"ps16952\">102\u00a0178<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16959 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.62pt\"></span></span><span class=\"ps13595\">69\u00a0812<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16960 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.26pt\"></span></span><span class=\"ps4321\">84\u00a0968<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16962 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.79pt\"></span></span><span class=\"ps16961\">58\u00a0070<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16963 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.48pt\"></span></span><span class=\"ps14745\">23\u00a0821<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16965 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.63pt\"></span></span><span class=\"ps16964\">412\u00a0177<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:30.75pt\"><td style=\"padding:0\"><div class=\"ps9365 ss2008\"><div><div class=\"ps9695 ss1999\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial <span class=\"f ps2\"> </span></span></div><div class=\"ps12113 ss1999\"><span class=\"f charStyle-2b0f4fe0 ps7\">instruments<span class=\"f ps2\"> </span></span></div><div class=\"ps12114 ss1999\"><span class=\"f charStyle-2b0f4fe0 ps7\">\u2013 held for trading<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16966 ss2009\"><div><div class=\"ps12114 ss99\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.6pt\"></span></span><span class=\"ps12670\">268<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16967 ss2010\"><div><div class=\"ps12114 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16968 ss2010\"><div><div class=\"ps12114 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16969 ss2010\"><div><div class=\"ps12114 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16970 ss2010\"><div><div class=\"ps12114 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16971 ss2010\"><div><div class=\"ps12114 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16972 ss2010\"><div><div class=\"ps12114 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16974 ss2011\"><div><div class=\"ps12114 ss629\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.35pt\"></span></span><span class=\"ps16973\">268<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:30.75pt\"><td style=\"padding:0\"><div class=\"ps9452 ss2008\"><div><div class=\"ps9695 ss1999\"><span class=\"f charStyle-2e616cac ps7\">Derivative financial <span class=\"f ps2\"> </span></span></div><div class=\"ps12113 ss1999\"><span class=\"f charStyle-2e616cac ps7\">instruments<span class=\"f ps2\"> </span></span></div><div class=\"ps12114 ss1999\"><span class=\"f charStyle-2e616cac ps7\">\u2013 held for hedging risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps16975 ss2009\"><div><div class=\"ps12114 ss99\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.7pt\"></span></span><span class=\"ps9259\">319<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16976 ss2010\"><div><div class=\"ps12114 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.21pt\"></span></span><span class=\"ps16956\">72\u00a0741<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16977 ss2010\"><div><div class=\"ps12114 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.86pt\"></span></span><span class=\"ps16952\">102\u00a0178<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11503 ss2010\"><div><div class=\"ps12114 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.62pt\"></span></span><span class=\"ps13595\">69\u00a0812<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16978 ss2010\"><div><div class=\"ps12114 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.26pt\"></span></span><span class=\"ps4321\">84\u00a0968<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16979 ss2010\"><div><div class=\"ps12114 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.79pt\"></span></span><span class=\"ps16961\">58\u00a0070<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16980 ss2010\"><div><div class=\"ps12114 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.48pt\"></span></span><span class=\"ps14745\">23\u00a0821<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16981 ss2011\"><div><div class=\"ps12114 ss629\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.9pt\"></span></span><span class=\"ps12873\">411\u00a0909<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps9245 ss2006\"><div><div class=\"ps815 ss1999\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other trading <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1999\"><span class=\"f charStyle-2b0f4fe0 ps7\">liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16983 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.98pt\"></span></span><span class=\"ps16982\">19\u00a0409<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16984 ss868\"><div><div class=\"ps469 ss99\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.23pt\"></span></span><span class=\"ps16438\">19\u00a0409<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16985 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16986 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14656 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16987 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16988 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16989 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16990 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.98pt\"></span></span><span class=\"ps16982\">19\u00a0409<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:39.75pt\"><td style=\"padding:0\"><div class=\"ps3669 ss2012\"><div><div class=\"ps9695 ss1999\"><span class=\"f charStyle-2b0f4fe0 ps7\">Repurchase <span class=\"f ps2\"> </span></span></div><div class=\"ps12113 ss1999\"><span class=\"f charStyle-2b0f4fe0 ps7\">agreements and cash <span class=\"f ps2\"> </span></span></div><div class=\"ps12114 ss1999\"><span class=\"f charStyle-2b0f4fe0 ps7\">collateral on <span class=\"f ps2\"> </span></span></div><div class=\"ps12109 ss1999\"><span class=\"f charStyle-2b0f4fe0 ps7\">securities lent<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16991 ss2013\"><div><div class=\"ps12109 ss629\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.2pt\"></span></span><span class=\"ps10536\">1\u00a0065\u00a0587<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16992 ss2014\"><div><div class=\"ps12109 ss99\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.4pt\"></span></span><span class=\"ps13552\">9\u00a0090<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16994 ss2015\"><div><div class=\"ps12109 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.54pt\"></span></span><span class=\"ps16993\">752\u00a0298<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16995 ss2015\"><div><div class=\"ps12109 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.03pt\"></span></span><span class=\"ps9953\">304\u00a0199<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16996 ss2015\"><div><div class=\"ps12109 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16997 ss2015\"><div><div class=\"ps12109 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16998 ss2015\"><div><div class=\"ps12109 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16999 ss2015\"><div><div class=\"ps12109 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17000 ss2013\"><div><div class=\"ps12109 ss629\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.2pt\"></span></span><span class=\"ps10536\">1\u00a0065\u00a0587<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps1050 ss2006\"><div><div class=\"ps815 ss1999\"><span class=\"f charStyle-2b0f4fe0 ps7\">Customer accounts <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1999\"><span class=\"f charStyle-2b0f4fe0 ps7\">(deposits)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17002 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:1.45pt\"></span></span><span class=\"ps17001\">22\u00a0467\u00a0743<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17003 ss868\"><div><div class=\"ps469 ss99\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.33pt\"></span></span><span class=\"ps13592\">7\u00a0360\u00a0275<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17004 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.12pt\"></span></span><span class=\"ps12079\">1\u00a0232\u00a0437<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17006 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:4.97pt\"></span></span><span class=\"ps17005\">5\u00a0930\u00a0231<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17008 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:4.72pt\"></span></span><span class=\"ps17007\">3\u00a0313\u00a0202<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17009 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:3.62pt\"></span></span><span class=\"ps10559\">3\u00a0387\u00a0434<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17010 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:4.97pt\"></span></span><span class=\"ps17005\">1\u00a0320\u00a0365<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17011 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17012 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:0.74pt\"></span></span><span class=\"ps13495\">22\u00a0543\u00a0944<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:32.25pt\"><td style=\"padding:0\"><div class=\"ps905 ss2016\"><div><div class=\"ps997 ss1999\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fair value adjustment <span class=\"f ps2\"> </span></span></div><div class=\"ps2366 ss1999\"><span class=\"f charStyle-2b0f4fe0 ps7\">for portfolio hedged <span class=\"f ps2\"> </span></span></div><div class=\"ps3804 ss1999\"><span class=\"f charStyle-2b0f4fe0 ps7\">risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17013 ss2017\"><div><div class=\"ps3804 ss629\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.74pt\"></span></span><span class=\"ps10263\">(10\u00a0395)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17014 ss2017\"><div><div class=\"ps3804 ss629\"><span class=\"f charStyle-02da8bca ps16597\">n/a<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps2556 ss2006\"><div><div class=\"ps815 ss1999\"><span class=\"f charStyle-2b0f4fe0 ps7\">Debt securities in <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1999\"><span class=\"f charStyle-2b0f4fe0 ps7\">issue<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17016 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.7pt\"></span></span><span class=\"ps17015\">1\u00a0413\u00a0031<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17017 ss868\"><div><div class=\"ps469 ss99\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.3pt\"></span></span><span class=\"ps16597\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17018 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.75pt\"></span></span><span class=\"ps10280\">71<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17020 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.05pt\"></span></span><span class=\"ps17019\">6\u00a0651<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17021 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.85pt\"></span></span><span class=\"ps12877\">17\u00a0489<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17022 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.3pt\"></span></span><span class=\"ps4026\">37\u00a0175<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17024 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.37pt\"></span></span><span class=\"ps17023\">1\u00a0547\u00a0663<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17025 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.05pt\"></span></span><span class=\"ps5476\">1\u00a0194<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17026 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.61pt\"></span></span><span class=\"ps7306\">1\u00a0610\u00a0243<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1074 ss2004\"><div><div class=\"ps815 ss1999\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17028 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.46pt\"></span></span><span class=\"ps17027\">962\u00a0846<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17029 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.89pt\"></span></span><span class=\"ps4950\">103\u00a0425<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17031 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.15pt\"></span></span><span class=\"ps17030\">736\u00a0049<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17032 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.4pt\"></span></span><span class=\"ps11483\">26\u00a0662<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17033 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.71pt\"></span></span><span class=\"ps10223\">12\u00a0025<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17034 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.24pt\"></span></span><span class=\"ps4249\">49\u00a0680<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17035 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.22pt\"></span></span><span class=\"ps11219\">43\u00a0014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17037 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.13pt\"></span></span><span class=\"ps17036\">1\u00a0550<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17038 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.9pt\"></span></span><span class=\"ps12021\">972\u00a0405<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps1078 ss2006\"><div><div class=\"ps815 ss1999\"><span class=\"f charStyle-2b0f4fe0 ps7\">Subordinated <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1999\"><span class=\"f charStyle-2b0f4fe0 ps7\">liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17040 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.8pt\"></span></span><span class=\"ps17039\">697\u00a0632<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17041 ss868\"><div><div class=\"ps469 ss99\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.3pt\"></span></span><span class=\"ps16597\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17042 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17043 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17044 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.55pt\"></span></span><span class=\"ps12537\">8\u00a0368<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17046 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.97pt\"></span></span><span class=\"ps17045\">33\u00a0402<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17048 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.18pt\"></span></span><span class=\"ps17047\">222\u00a0931<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17050 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.76pt\"></span></span><span class=\"ps17049\">890\u00a0304<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17052 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.17pt\"></span></span><span class=\"ps17051\">1\u00a0155\u00a0005<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9308 ss2006\"><div><div class=\"ps815 ss1999\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total on-balance <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1999\"><span class=\"f charStyle-b7f6e8e5 ps7\">sheet liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps17054 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-54763c42\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:1.29pt\"></span></span><span class=\"ps17053\">27\u00a0937\u00a0736<span style=\"display:inline-block;height:7.26pt;width:2.69pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps17056 ss868\"><div><div class=\"ps469 ss99\"><span class=\"f charStyle-54763c42\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:4.55pt\"></span></span><span class=\"ps17055\">7\u00a0703\u00a0347<span style=\"display:inline-block;height:7.26pt;width:2.69pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps17058 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-54763c42\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:2.78pt\"></span></span><span class=\"ps17057\">2\u00a0802\u00a0349<span style=\"display:inline-block;height:7.26pt;width:2.69pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps17060 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-54763c42\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:2.95pt\"></span></span><span class=\"ps17059\">6\u00a0373\u00a0096<span style=\"display:inline-block;height:7.26pt;width:2.69pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps17062 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-54763c42\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:2.92pt\"></span></span><span class=\"ps17061\">3\u00a0427\u00a0403<span style=\"display:inline-block;height:7.26pt;width:2.69pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps17064 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-54763c42\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:2.12pt\"></span></span><span class=\"ps17063\">3\u00a0609\u00a0430<span style=\"display:inline-block;height:7.26pt;width:2.69pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps17065 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-54763c42\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:2.54pt\"></span></span><span class=\"ps14023\">3\u00a0896\u00a0384<span style=\"display:inline-block;height:7.26pt;width:2.69pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps17067 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-54763c42\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.87pt\"></span></span><span class=\"ps17066\">916\u00a0869<span style=\"display:inline-block;height:7.26pt;width:2.69pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps17069 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-54763c42\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:1.01pt\"></span></span><span class=\"ps17068\">28\u00a0728\u00a0878<span style=\"display:inline-block;height:7.26pt;width:2.69pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"padding:0\"><div class=\"ps9737 ss2018\"><div><div class=\"ps997 ss1999\"><span class=\"f charStyle-2b0f4fe0 ps7\">Letters of credit and <span class=\"f ps2\"> </span></span></div><div class=\"ps2366 ss1999\"><span class=\"f charStyle-2b0f4fe0 ps7\">financial guarantees<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17070 ss2019\"><div><div class=\"ps2366 ss629\"><span class=\"f charStyle-f6e8ab7d\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.05pt\"></span></span><span class=\"ps861\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17072 ss846\"><div><div class=\"ps2366 ss99\"><span class=\"f charStyle-f6e8ab7d\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.72pt\"></span></span><span class=\"ps17071\">250\u00a0300<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17073 ss2020\"><div><div class=\"ps2366 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17074 ss2020\"><div><div class=\"ps2366 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17075 ss2020\"><div><div class=\"ps2366 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.26pt\"></span></span><span class=\"ps11626\">3\u00a0787<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17076 ss2020\"><div><div class=\"ps2366 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.82pt\"></span></span><span class=\"ps8430\">1\u00a0462<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17077 ss2020\"><div><div class=\"ps2366 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.52pt\"></span></span><span class=\"ps9593\">140\u00a0297<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17078 ss2020\"><div><div class=\"ps2366 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.83pt\"></span></span><span class=\"ps10005\">563<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17080 ss2019\"><div><div class=\"ps2366 ss629\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.3pt\"></span></span><span class=\"ps17079\">396\u00a0409<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12226 ss2004\"><div><div class=\"ps815 ss1999\"><span class=\"f charStyle-2b0f4fe0 ps7\">Commitments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17081 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.05pt\"></span></span><span class=\"ps861\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17083 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.11pt\"></span></span><span class=\"ps17082\">1\u00a0724\u00a0806<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17084 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.48pt\"></span></span><span class=\"ps152\">46\u00a0378<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17086 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.91pt\"></span></span><span class=\"ps17085\">3\u00a0278<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17087 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.2pt\"></span></span><span class=\"ps9975\">25\u00a0571<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17088 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.38pt\"></span></span><span class=\"ps11363\">103\u00a0749<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17090 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.29pt\"></span></span><span class=\"ps17089\">884\u00a0827<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17091 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.38pt\"></span></span><span class=\"ps11363\">145\u00a0337<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17092 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.04pt\"></span></span><span class=\"ps3484\">2\u00a0933\u00a0946<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12227 ss2004\"><div><div class=\"ps815 ss1999\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17093 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-54763c42\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:1.29pt\"></span></span><span class=\"ps17053\">27\u00a0937\u00a0736<span style=\"display:inline-block;height:7.26pt;width:2.69pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17095 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-54763c42\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:3.89pt\"></span></span><span class=\"ps17094\">9\u00a0678\u00a0453<span style=\"display:inline-block;height:7.26pt;width:2.69pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17097 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-54763c42\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:3.96pt\"></span></span><span class=\"ps17096\">2\u00a0848\u00a0727<span style=\"display:inline-block;height:7.26pt;width:2.69pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17099 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-54763c42\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:3.52pt\"></span></span><span class=\"ps17098\">6\u00a0376\u00a0374<span style=\"display:inline-block;height:7.26pt;width:2.69pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17100 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-54763c42\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:4.42pt\"></span></span><span class=\"ps9556\">3\u00a0456\u00a0761<span style=\"display:inline-block;height:7.26pt;width:2.69pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17101 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-54763c42\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.45pt\"></span></span><span class=\"ps14956\">3\u00a0714\u00a0641<span style=\"display:inline-block;height:7.26pt;width:2.69pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17102 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-54763c42\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:3.94pt\"></span></span><span class=\"ps2337\">4\u00a0921\u00a0508<span style=\"display:inline-block;height:7.26pt;width:2.69pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17103 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-54763c42\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:4.44pt\"></span></span><span class=\"ps16585\">1\u00a0062\u00a0769<span style=\"display:inline-block;height:7.26pt;width:2.69pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17104 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-54763c42\"><span class=\"ps7\"></span><span class=\"ps7\">32\u00a0059\u00a0233<span style=\"display:inline-block;height:7.26pt;width:2.69pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps17106 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The balances in the above table will not agree directly to the balances in the consolidated balance sheet, as the table incorporates <span class=\"f ps2\"> </span></span></div><div class=\"ps17107 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">all cash flows on an undiscounted basis relating to both principal and those associated with all future coupon payments (except for <span class=\"f ps2\"> </span></span></div><div class=\"ps17108 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">trading liabilities and trading derivatives). Furthermore, loan commitments are generally not recognised on the balance sheet. The <span class=\"f ps2\"> </span></span></div><div class=\"ps17109 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">cash flow profile of debt securities in issue above considers modelled early redemptions.<span class=\"f ps2\"> </span></span></div><div class=\"ps17110 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Trading liabilities and trading derivatives have been included in the \u2018Demand\u2019 time bucket and not by contractual maturity because <span class=\"f ps2\"> </span></span></div><div class=\"ps17111 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">trading liabilities are typically held for short periods of time. </span></div><div class=\"ps17118 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">For an unaudited analysis based on discounted cash flows, refer to <span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps17112\">page<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps17113\"> </span><span class=\"f charStyle-4cea0f20 ps17114\"><a class=\"Hyperlink\" href=\"#i4298e21e46a84636ae4baccaf7cfb863_4112\" style=\"z-index:1\">186</a><span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps17115\"> and note </span><span class=\"f charStyle-4cea0f20 ps17116\"><a class=\"Hyperlink\" href=\"#iccba24ea0cd14a1fbe74568356c33a8e_337\" style=\"z-index:1\">35</a></span><span class=\"f charStyle-2bfb2495 ps17117\"> for the liquidity disclosures relating </span></div><div class=\"ps17119 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">to lease liabilities. </span></div></div><div class=\"ps181 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:83.25pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:15.75pt\"><td style=\"padding:0\"><div class=\"ps19 ss2021\"><div><div class=\"ps5939 ss172\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14025 ss2001\"><div><div class=\"ps985 ss629\"><span class=\"f charStyle-8d4b9b37 ps117\">Carrying <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss629\"><span class=\"f charStyle-8d4b9b37 ps9383\">value<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16382 ss2003\"><div><div class=\"ps983 ss2002\"><span class=\"f charStyle-8d4b9b37 ps15669\">Demand<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16928 ss2003\"><div><div class=\"ps985 ss2002\"><span class=\"f charStyle-8d4b9b37 ps17121\">Up to one <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss2002\"><span class=\"f charStyle-8d4b9b37 ps9223\">month<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2775 ss2003\"><div><div class=\"ps989 ss2002\"><span class=\"f charStyle-8d4b9b37 ps17122\">One month <span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss2002\"><span class=\"f charStyle-8d4b9b37 ps17123\">to three <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss2002\"><span class=\"f charStyle-8d4b9b37 ps15081\">months<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11852 ss2003\"><div><div class=\"ps989 ss2002\"><span class=\"f charStyle-8d4b9b37 ps16939\">Three <span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss2002\"><span class=\"f charStyle-8d4b9b37 ps17124\">months to <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss2002\"><span class=\"f charStyle-8d4b9b37 ps17125\">six months<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16936 ss2003\"><div><div class=\"ps985 ss2002\"><span class=\"f charStyle-8d4b9b37 ps7444\">Six months <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss2002\"><span class=\"f charStyle-8d4b9b37 ps17126\">to one year<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16938 ss2003\"><div><div class=\"ps985 ss2002\"><span class=\"f charStyle-8d4b9b37 ps6963\">One year to <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss2002\"><span class=\"f charStyle-8d4b9b37 ps17127\">five years<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16940 ss2003\"><div><div class=\"ps985 ss2002\"><span class=\"f charStyle-8d4b9b37 ps17128\">Greater than <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss2002\"><span class=\"f charStyle-8d4b9b37 ps17127\">five years<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3775 ss2001\"><div><div class=\"ps983 ss629\"><span class=\"f charStyle-8d4b9b37 ps11723\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2755 ss1815\"><div><div class=\"ps809 ss172\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps998 ss1815\"><div><div class=\"ps815 ss172\" style=\"font-size:12pt\"><span class=\"f charStyle-13225c7c ps7\">2025</span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3588 ss1815\"><div><div class=\"ps815 ss172\"><span class=\"f charStyle-b7f6e8e5 ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3593 ss1815\"><div><div class=\"ps815 ss172\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deposits by banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17129 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.35pt\"></span></span><span class=\"ps15118\">1\u00a0477\u00a0568<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17131 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.92pt\"></span></span><span class=\"ps17130\">188\u00a0434<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16944 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.93pt\"></span></span><span class=\"ps11836\">9\u00a0784<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16946 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.7pt\"></span></span><span class=\"ps9498\">2\u00a0968<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16947 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.95pt\"></span></span><span class=\"ps14437\">15\u00a0327<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16948 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.63pt\"></span></span><span class=\"ps17132\">725\u00a0509<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16950 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.05pt\"></span></span><span class=\"ps17133\">598\u00a0848<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16951 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16953 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.94pt\"></span></span><span class=\"ps10560\">1\u00a0540\u00a0870<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17134 ss1856\" style=\"overflow:hidden\"><div><div class=\"ps815 ss447\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"></span><span class=\"ps7\">(2\u00a0331\u00a0228)</span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps3323 ss2022\"><div><div class=\"ps815 ss172\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss172\"><span class=\"f charStyle-2b0f4fe0 ps7\">instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17136 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.4pt\"></span></span><span class=\"ps17135\">274\u00a0791<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps17137 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.58pt\"></span></span><span class=\"ps14453\">4\u00a0654<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16957 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.36pt\"></span></span><span class=\"ps10357\">28\u00a0960<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16958 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.73pt\"></span></span><span class=\"ps11710\">57\u00a0468<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16959 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.95pt\"></span></span><span class=\"ps17138\">49\u00a0077<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16960 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.23pt\"></span></span><span class=\"ps139\">62\u00a0353<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16962 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.67pt\"></span></span><span class=\"ps15967\">80\u00a0708<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16963 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.6pt\"></span></span><span class=\"ps3712\">22\u00a0351<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16965 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.22pt\"></span></span><span class=\"ps17139\">305\u00a0571<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps17140 ss2023\" style=\"overflow:hidden\"><div><div class=\"ps469 ss447\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"></span><span class=\"ps7\">(446\u00a0656)</span></span></div></div></div></td></tr><tr style=\"height:30pt\"><td style=\"padding:0\"><div class=\"ps9365 ss2024\"><div><div class=\"ps815 ss172\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss172\"><span class=\"f charStyle-2b0f4fe0 ps7\">instruments<span class=\"f ps2\"> </span></span></div><div class=\"ps8432 ss172\"><span class=\"f charStyle-2b0f4fe0 ps7\">\u2013 held for trading<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17142 ss2025\"><div><div class=\"ps8432 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.28pt\"></span></span><span class=\"ps17141\">52<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps16967 ss2025\"><div><div class=\"ps8432 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps16968 ss2025\"><div><div class=\"ps8432 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps16969 ss2025\"><div><div class=\"ps8432 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps16970 ss2025\"><div><div class=\"ps8432 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps16971 ss2025\"><div><div class=\"ps8432 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps16972 ss2025\"><div><div class=\"ps8432 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps16974 ss1508\"><div><div class=\"ps8432 ss629\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">52<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17144 ss2026\" style=\"overflow:hidden\"><div><div class=\"ps8432 ss447\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"></span><span class=\"ps7\">(757)</span></span></div></div></div></td></tr><tr style=\"height:30pt\"><td style=\"padding:0\"><div class=\"ps15260 ss2024\"><div><div class=\"ps815 ss172\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss172\"><span class=\"f charStyle-2b0f4fe0 ps7\">instruments<span class=\"f ps2\"> </span></span></div><div class=\"ps8432 ss172\"><span class=\"f charStyle-2b0f4fe0 ps7\">\u2013 held for hedging risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps17146 ss2025\"><div><div class=\"ps8432 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.56pt\"></span></span><span class=\"ps17145\">4\u00a0602<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps17147 ss2025\"><div><div class=\"ps8432 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.36pt\"></span></span><span class=\"ps10357\">28\u00a0960<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps17148 ss2025\"><div><div class=\"ps8432 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.73pt\"></span></span><span class=\"ps11710\">57\u00a0468<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps17149 ss2025\"><div><div class=\"ps8432 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.95pt\"></span></span><span class=\"ps17138\">49\u00a0077<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps17150 ss2025\"><div><div class=\"ps8432 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.23pt\"></span></span><span class=\"ps139\">62\u00a0353<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps17151 ss2025\"><div><div class=\"ps8432 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.67pt\"></span></span><span class=\"ps15967\">80\u00a0708<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps17152 ss2025\"><div><div class=\"ps8432 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.6pt\"></span></span><span class=\"ps3712\">22\u00a0351<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps17154 ss1508\"><div><div class=\"ps8432 ss629\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.87pt\"></span></span><span class=\"ps17153\">305\u00a0519<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps17155 ss2026\" style=\"overflow:hidden\"><div><div class=\"ps8432 ss447\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"></span><span class=\"ps7\">(445\u00a0899)</span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps15539 ss2022\"><div><div class=\"ps815 ss172\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other trading <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss172\"><span class=\"f charStyle-2b0f4fe0 ps7\">liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17156 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.01pt\"></span></span><span class=\"ps1497\">16\u00a0242<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps17157 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.51pt\"></span></span><span class=\"ps15709\">16\u00a0242<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps17158 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps17159 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps17160 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps17161 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps17162 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps17163 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps17164 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.01pt\"></span></span><span class=\"ps1497\">16\u00a0242<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps17165 ss2023\" style=\"overflow:hidden\"><div><div class=\"ps469 ss447\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"></span><span class=\"ps7\">(18\u00a0449)</span></span></div></div></div></td></tr><tr style=\"height:39pt\"><td style=\"padding:0\"><div class=\"ps15048 ss2027\"><div><div class=\"ps815 ss172\"><span class=\"f charStyle-2b0f4fe0 ps7\">Repurchase <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss172\"><span class=\"f charStyle-2b0f4fe0 ps7\">agreements and cash <span class=\"f ps2\"> </span></span></div><div class=\"ps8432 ss172\"><span class=\"f charStyle-2b0f4fe0 ps7\">collateral on <span class=\"f ps2\"> </span></span></div><div class=\"ps17166 ss172\"><span class=\"f charStyle-2b0f4fe0 ps7\">securities lent<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17168 ss2028\"><div><div class=\"ps17166 ss629\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.13pt\"></span></span><span class=\"ps17167\">178\u00a0202<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17169 ss2029\"><div><div class=\"ps17166 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.66pt\"></span></span><span class=\"ps10180\">8\u00a0538<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17170 ss2029\"><div><div class=\"ps17166 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.2pt\"></span></span><span class=\"ps13478\">169\u00a0664<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17171 ss2029\"><div><div class=\"ps17166 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17172 ss2029\"><div><div class=\"ps17166 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17173 ss2029\"><div><div class=\"ps17166 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17174 ss2029\"><div><div class=\"ps17166 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17175 ss2029\"><div><div class=\"ps17166 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17176 ss2028\"><div><div class=\"ps17166 ss629\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.13pt\"></span></span><span class=\"ps17167\">178\u00a0202<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17177 ss2030\" style=\"overflow:hidden\"><div><div class=\"ps17166 ss447\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"></span><span class=\"ps7\">(85\u00a0091)</span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps4599 ss2022\"><div><div class=\"ps815 ss172\"><span class=\"f charStyle-2b0f4fe0 ps7\">Customer accounts <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss172\"><span class=\"f charStyle-2b0f4fe0 ps7\">(deposits)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17179 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:2.67pt\"></span></span><span class=\"ps17178\">21\u00a0455\u00a0855<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16478 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:4.4pt\"></span></span><span class=\"ps8556\">7\u00a0246\u00a0647<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17180 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.21pt\"></span></span><span class=\"ps10530\">1\u00a0205\u00a0890<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17181 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.71pt\"></span></span><span class=\"ps10535\">6\u00a0067\u00a0181<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17183 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:3.98pt\"></span></span><span class=\"ps17182\">3\u00a0569\u00a0085<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17185 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.26pt\"></span></span><span class=\"ps17184\">2\u00a0392\u00a0714<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17187 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.36pt\"></span></span><span class=\"ps17186\">1\u00a0196\u00a0538<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17188 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17189 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:2.89pt\"></span></span><span class=\"ps6430\">21\u00a0678\u00a0055<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17190 ss2023\" style=\"overflow:hidden\"><div><div class=\"ps469 ss447\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"></span><span class=\"ps7\">(21\u00a0139\u00a0702)</span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps2396 ss2022\"><div><div class=\"ps815 ss172\"><span class=\"f charStyle-2b0f4fe0 ps7\">Debt securities in <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss172\"><span class=\"f charStyle-2b0f4fe0 ps7\">issue<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17192 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.69pt\"></span></span><span class=\"ps17191\">1\u00a0301\u00a0802<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17193 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17194 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.29pt\"></span></span><span class=\"ps16003\">1\u00a0799<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17196 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.69pt\"></span></span><span class=\"ps17195\">9\u00a0898<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17197 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.48pt\"></span></span><span class=\"ps14745\">21\u00a0940<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17198 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.6pt\"></span></span><span class=\"ps11524\">106\u00a0105<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17200 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.27pt\"></span></span><span class=\"ps17199\">908\u00a0748<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17202 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.38pt\"></span></span><span class=\"ps17201\">434\u00a0770<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17204 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.37pt\"></span></span><span class=\"ps17203\">1\u00a0483\u00a0260<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17205 ss2023\" style=\"overflow:hidden\"><div><div class=\"ps469 ss447\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"></span><span class=\"ps7\">(1\u00a0433\u00a0545)</span></span></div></div></div></td></tr><tr style=\"height:30pt\"><td style=\"padding:0\"><div class=\"ps15331 ss2024\"><div><div class=\"ps815 ss172\"><span class=\"f charStyle-2b0f4fe0 ps7\">Liabilities arising on <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss172\"><span class=\"f charStyle-2b0f4fe0 ps7\">securitisation of other <span class=\"f ps2\"> </span></span></div><div class=\"ps8432 ss172\"><span class=\"f charStyle-2b0f4fe0 ps7\">assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17206 ss1508\"><div><div class=\"ps8432 ss629\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.05pt\"></span></span><span class=\"ps861\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17207 ss2025\"><div><div class=\"ps8432 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17208 ss2025\"><div><div class=\"ps8432 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17209 ss2025\"><div><div class=\"ps8432 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17210 ss2025\"><div><div class=\"ps8432 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17211 ss2025\"><div><div class=\"ps8432 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17212 ss2025\"><div><div class=\"ps8432 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17213 ss2025\"><div><div class=\"ps8432 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17214 ss1508\"><div><div class=\"ps8432 ss629\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.05pt\"></span></span><span class=\"ps861\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17215 ss2026\" style=\"overflow:hidden\"><div><div class=\"ps8432 ss447\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"></span><span class=\"ps7\">(91\u00a0977)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4718 ss1815\"><div><div class=\"ps815 ss172\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17217 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.15pt\"></span></span><span class=\"ps17216\">548\u00a0617<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17219 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.43pt\"></span></span><span class=\"ps17218\">53\u00a0130<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17221 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.85pt\"></span></span><span class=\"ps17220\">317\u00a0131<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17222 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.94pt\"></span></span><span class=\"ps16563\">38\u00a0571<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17223 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.17pt\"></span></span><span class=\"ps11105\">11\u00a0087<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17224 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.74pt\"></span></span><span class=\"ps10263\">66\u00a0879<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17226 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.47pt\"></span></span><span class=\"ps17225\">59\u00a0208<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17227 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.17pt\"></span></span><span class=\"ps13694\">2\u00a0611<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17228 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.15pt\"></span></span><span class=\"ps17216\">548\u00a0617<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17229 ss1856\" style=\"overflow:hidden\"><div><div class=\"ps815 ss447\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"></span><span class=\"ps7\">(594\u00a0305)</span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps14156 ss2022\"><div><div class=\"ps815 ss172\"><span class=\"f charStyle-2b0f4fe0 ps7\">Subordinated <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss172\"><span class=\"f charStyle-2b0f4fe0 ps7\">liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14157 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.8pt\"></span></span><span class=\"ps13450\">682\u00a0218<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16506 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17230 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17231 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17232 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17234 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.85pt\"></span></span><span class=\"ps17233\">41\u00a0125<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17235 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.25pt\"></span></span><span class=\"ps9272\">164\u00a0500<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17236 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.4pt\"></span></span><span class=\"ps10210\">814\u00a0188<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17238 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.95pt\"></span></span><span class=\"ps17237\">1\u00a0019\u00a0813<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17239 ss2023\" style=\"overflow:hidden\"><div><div class=\"ps469 ss447\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"></span><span class=\"ps7\">(1\u00a0060\u00a0938)</span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15077 ss2022\"><div><div class=\"ps815 ss172\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total on-balance <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss172\"><span class=\"f charStyle-b7f6e8e5 ps7\">sheet liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps17241 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-54763c42\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:0.4pt\"></span></span><span class=\"ps17240\">25\u00a0935\u00a0295<span style=\"display:inline-block;height:7.26pt;width:2.69pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps17243 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-54763c42\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.02pt\"></span></span><span class=\"ps17242\">7\u00a0517\u00a0645<span style=\"display:inline-block;height:7.26pt;width:2.69pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps17245 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-54763c42\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:4.9pt\"></span></span><span class=\"ps17244\">1\u00a0733\u00a0228<span style=\"display:inline-block;height:7.26pt;width:2.69pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps17246 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-54763c42\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:4.21pt\"></span></span><span class=\"ps16829\">6\u00a0176\u00a0086<span style=\"display:inline-block;height:7.26pt;width:2.69pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps17248 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-54763c42\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:4.06pt\"></span></span><span class=\"ps17247\">3\u00a0666\u00a0516<span style=\"display:inline-block;height:7.26pt;width:2.69pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps17250 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-54763c42\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:2.66pt\"></span></span><span class=\"ps17249\">3\u00a0394\u00a0685<span style=\"display:inline-block;height:7.26pt;width:2.69pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps17251 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-54763c42\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:2.27pt\"></span></span><span class=\"ps7433\">3\u00a0008\u00a0550<span style=\"display:inline-block;height:7.26pt;width:2.69pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps17253 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-54763c42\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:4.68pt\"></span></span><span class=\"ps17252\">1\u00a0273\u00a0920<span style=\"display:inline-block;height:7.26pt;width:2.69pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps17254 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-54763c42\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:0.37pt\"></span></span><span class=\"ps9410\">26\u00a0770\u00a0630<span style=\"display:inline-block;height:7.26pt;width:2.69pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps17255 ss2023\" style=\"overflow:hidden\"><div><div class=\"ps469 ss447\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"></span><span class=\"ps7\">(27\u00a0201\u00a0891)</span></span></div></div></div></td></tr><tr style=\"height:23.25pt\"><td style=\"padding:0\"><div class=\"ps17256 ss2031\"><div><div class=\"ps997 ss172\"><span class=\"f charStyle-2b0f4fe0 ps7\">Letters of credit and <span class=\"f ps2\"> </span></span></div><div class=\"ps2366 ss172\"><span class=\"f charStyle-2b0f4fe0 ps7\">financial guarantees^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17257 ss2019\"><div><div class=\"ps2366 ss629\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.05pt\"></span></span><span class=\"ps861\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17259 ss2020\"><div><div class=\"ps2366 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.51pt\"></span></span><span class=\"ps17258\">315\u00a0552<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17260 ss2020\"><div><div class=\"ps2366 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17261 ss2020\"><div><div class=\"ps2366 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17262 ss2020\"><div><div class=\"ps2366 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17263 ss2020\"><div><div class=\"ps2366 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.78pt\"></span></span><span class=\"ps9445\">6\u00a0805<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17265 ss2020\"><div><div class=\"ps2366 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.59pt\"></span></span><span class=\"ps17264\">243\u00a0464<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17266 ss2020\"><div><div class=\"ps2366 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.27pt\"></span></span><span class=\"ps15323\">5\u00a0587<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17267 ss2019\"><div><div class=\"ps2366 ss629\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.12pt\"></span></span><span class=\"ps4277\">571\u00a0408<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17268 ss2032\" style=\"overflow:hidden\"><div><div class=\"ps2366 ss447\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"></span><span class=\"ps7\">575\u00a0272<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2430 ss1815\"><div><div class=\"ps815 ss172\"><span class=\"f charStyle-2b0f4fe0 ps7\">Commitments^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17269 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.05pt\"></span></span><span class=\"ps861\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17271 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.39pt\"></span></span><span class=\"ps17270\">1\u00a0442\u00a0572<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17272 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.72pt\"></span></span><span class=\"ps16107\">63\u00a0957<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17274 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.38pt\"></span></span><span class=\"ps17273\">28\u00a0899<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17275 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.85pt\"></span></span><span class=\"ps17233\">18\u00a0162<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17276 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.49pt\"></span></span><span class=\"ps11640\">46\u00a0237<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17278 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.16pt\"></span></span><span class=\"ps17277\">886\u00a0319<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17279 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.4pt\"></span></span><span class=\"ps10210\">128\u00a0312<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17281 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-02da8bca\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.53pt\"></span></span><span class=\"ps17280\">2\u00a0614\u00a0458<span style=\"display:inline-block;height:7.26pt;width:2.33pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17282 ss1856\" style=\"overflow:hidden\"><div><div class=\"ps815 ss447\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"></span><span class=\"ps7\">2\u00a0438\u00a0913<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2434 ss1815\"><div><div class=\"ps815 ss172\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17283 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-54763c42\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:0.4pt\"></span></span><span class=\"ps17240\">25\u00a0935\u00a0295<span style=\"display:inline-block;height:7.26pt;width:2.69pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17284 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-54763c42\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:3.98pt\"></span></span><span class=\"ps17182\">9\u00a0275\u00a0769<span style=\"display:inline-block;height:7.26pt;width:2.69pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17286 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-54763c42\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.31pt\"></span></span><span class=\"ps17285\">1\u00a0797\u00a0185<span style=\"display:inline-block;height:7.26pt;width:2.69pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17287 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-54763c42\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:2.66pt\"></span></span><span class=\"ps17249\">6\u00a0204\u00a0985<span style=\"display:inline-block;height:7.26pt;width:2.69pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17289 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-54763c42\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:3.02pt\"></span></span><span class=\"ps17288\">3\u00a0684\u00a0678<span style=\"display:inline-block;height:7.26pt;width:2.69pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17291 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-54763c42\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:4.1pt\"></span></span><span class=\"ps17290\">3\u00a0447\u00a0727<span style=\"display:inline-block;height:7.26pt;width:2.69pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17292 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-54763c42\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:3.84pt\"></span></span><span class=\"ps17126\">4\u00a0138\u00a0333<span style=\"display:inline-block;height:7.26pt;width:2.69pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17294 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-54763c42\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.36pt\"></span></span><span class=\"ps17293\">1\u00a0407\u00a0819<span style=\"display:inline-block;height:7.26pt;width:2.69pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17295 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-54763c42\"><span class=\"ps7\"></span><span class=\"ps7\">29\u00a0956\u00a0496<span style=\"display:inline-block;height:7.26pt;width:2.69pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17296 ss1856\" style=\"overflow:hidden\"><div><div class=\"ps815 ss447\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"></span><span class=\"ps7\">30\u00a0216\u00a0076<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps17297 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">The amounts were incorrectly bucketed in the prior period and have been re-bucketed to reflect the earliest possible date on which these may be called.</span></span></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">51<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps14684\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11433\">Offsetting<span class=\"f ps2\"> </span></span></div><div class=\"ps11275 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:143.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"10\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps8029 ss2078\"><div><div class=\"ps809 ss2077\"><span class=\"f charStyle-a26246ce ps17607\">Amounts subject to enforceable netting arrangements<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"5\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11278 ss1859\"><div><div class=\"ps809 ss1858\"><span class=\"f charStyle-a26246ce ps17608\">Effects of offsetting on-balance sheet<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"5\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11281 ss1859\"><div><div class=\"ps809 ss1858\"><span class=\"f charStyle-a26246ce ps17609\">Related amounts not offset*<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:39pt\"><td style=\"padding:0\"><div class=\"ps817 ss2079\"><div><div class=\"ps17610 ss1017\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11285 ss2080\"><div><div class=\"ps14214 ss296\"><span class=\"f charStyle-6f1c08a8 ps17611\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss296\"><span class=\"f charStyle-6f1c08a8 ps17612\"> amounts</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11286 ss2081\"><div><div class=\"ps14214 ss114\"><span class=\"f charStyle-6f1c08a8 ps13694\">Amounts<span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss114\"><span class=\"f charStyle-6f1c08a8 ps8384\"> offset<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11289 ss2081\"><div><div class=\"ps809 ss114\"><span class=\"f charStyle-ef17fa27 ps17613\">Net financial <span class=\"f ps2\"> </span></span></div><div class=\"ps14224 ss114\"><span class=\"f charStyle-ef17fa27 ps11101\">assets/<span class=\"f ps2\"> </span></span></div><div class=\"ps14218 ss114\"><span class=\"f charStyle-ef17fa27 ps107\">liabilities<span class=\"f ps2\"> </span></span></div><div class=\"ps14220 ss114\"><span class=\"f charStyle-ef17fa27 ps17614\">reported on<span class=\"f ps2\"> </span></span></div><div class=\"ps14214 ss114\"><span class=\"f charStyle-ef17fa27 ps17615\">the balance<span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss114\"><span class=\"f charStyle-ef17fa27 ps8351\">sheet<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17502 ss2080\"><div><div class=\"ps14218 ss296\"><span class=\"f charStyle-6f1c08a8 ps11101\">Financial<span class=\"f ps2\"> </span></span></div><div class=\"ps14220 ss296\"><span class=\"f charStyle-6f1c08a8 ps9199\"> instruments<span class=\"f ps2\"> </span></span></div><div class=\"ps14214 ss296\"><span class=\"f charStyle-6f1c08a8 ps17616\"> (including non-<span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss296\"><span class=\"f charStyle-6f1c08a8 ps3484\">cash collateral)<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2816 ss2081\"><div><div class=\"ps14214 ss114\"><span class=\"f charStyle-6f1c08a8 ps11069\">Cash<span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss114\"><span class=\"f charStyle-6f1c08a8 ps11104\"> collateral<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2817 ss2081\"><div><div class=\"ps14216 ss114\"><span class=\"f charStyle-ef17fa27 ps11493\">Net amount<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps4049 ss1633\"><div><div class=\"ps809 ss1017\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3844 ss1634\"><div><div class=\"ps997 ss1017\"><span class=\"f charStyle-b7f6e8e5 ps7\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps218 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-b7f6e8e5 ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps1353 ss1637\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Reverse repurchase agreements and <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">cash collateral on securities borrowed<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17617 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.18pt\"></span></span><span class=\"ps12886\">1\u00a0884\u00a0699<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17618 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17619 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.18pt\"></span></span><span class=\"ps9426\">1\u00a0884\u00a0699<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps17621 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.44pt\"></span></span><span class=\"ps17620\">(1\u00a0863\u00a0936)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17623 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.4pt\"></span></span><span class=\"ps17622\">(20\u00a0715)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15767 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.01pt\"></span></span><span class=\"ps13707\">48<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9234 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17624 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.2pt\"></span></span><span class=\"ps9977\">788\u00a0941<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17626 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.75pt\"></span></span><span class=\"ps17625\">(434\u00a0820)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17627 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.07pt\"></span></span><span class=\"ps9449\">354\u00a0121<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps17530 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.59pt\"></span></span><span class=\"ps4132\">(106\u00a0874)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9238 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.84pt\"></span></span><span class=\"ps14816\">(176\u00a0321)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9240 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.65pt\"></span></span><span class=\"ps16085\">70\u00a0926<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"><div class=\"ps9241 ss1634\"><div><div class=\"ps997 ss1017\"><span class=\"f charStyle-b7f6e8e5 ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11521 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17628 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.59pt\"></span></span><span class=\"ps12646\">723\u00a0344<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17629 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.97pt\"></span></span><span class=\"ps12519\">(304\u00a0139)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17630 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.95pt\"></span></span><span class=\"ps9521\">419\u00a0205<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps17631 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.59pt\"></span></span><span class=\"ps4132\">(106\u00a0874)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15944 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.46pt\"></span></span><span class=\"ps9478\">(38\u00a0489)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15945 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.84pt\"></span></span><span class=\"ps14816\">273\u00a0842<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps13072 ss1637\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Repurchase agreements and cash <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">collateral on securities lent<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17632 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.85pt\"></span></span><span class=\"ps12877\">1\u00a0065\u00a0587<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17633 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17634 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.85pt\"></span></span><span class=\"ps9416\">1\u00a0065\u00a0587<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps17635 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.8pt\"></span></span><span class=\"ps13450\">(1\u00a0065\u00a0654)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17636 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17637 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12761 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps17638 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.61pt\"></span></span><span class=\"ps13487\">1\u00a0093\u00a0527<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps17639 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.45pt\"></span></span><span class=\"ps6215\">(130\u00a0681)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps17640 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.63pt\"></span></span><span class=\"ps16109\">962\u00a0846<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12762 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps17641 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps17642 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.63pt\"></span></span><span class=\"ps16109\">962\u00a0846<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps17651 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:143.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"10\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps8029 ss2078\"><div><div class=\"ps809 ss2077\"><span class=\"f charStyle-a26246ce ps17607\">Amounts subject to enforceable netting arrangements<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"5\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11278 ss1859\"><div><div class=\"ps809 ss1858\"><span class=\"f charStyle-a26246ce ps17608\">Effects of offsetting on-balance sheet<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"5\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11281 ss1859\"><div><div class=\"ps809 ss1858\"><span class=\"f charStyle-a26246ce ps17609\">Related amounts not offset*<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:39pt\"><td style=\"padding:0\"><div class=\"ps817 ss2079\"><div><div class=\"ps17610 ss1017\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11285 ss2080\"><div><div class=\"ps14214 ss296\"><span class=\"f charStyle-6f1c08a8 ps17611\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss296\"><span class=\"f charStyle-6f1c08a8 ps17612\"> amounts</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11286 ss2081\"><div><div class=\"ps14214 ss114\"><span class=\"f charStyle-6f1c08a8 ps13694\">Amounts<span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss114\"><span class=\"f charStyle-6f1c08a8 ps17644\">offset<span class=\"f ps2\"> </span></span><span class=\"f charStyle-74272f2c ps17645\"><span class=\"f ps2\"> </span><sup>1</sup></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11289 ss2081\"><div><div class=\"ps809 ss114\"><span class=\"f charStyle-ef17fa27 ps17613\">Net financial <span class=\"f ps2\"> </span></span></div><div class=\"ps14224 ss114\"><span class=\"f charStyle-ef17fa27 ps11101\">assets/<span class=\"f ps2\"> </span></span></div><div class=\"ps14218 ss114\"><span class=\"f charStyle-ef17fa27 ps107\">liabilities<span class=\"f ps2\"> </span></span></div><div class=\"ps14220 ss114\"><span class=\"f charStyle-ef17fa27 ps17614\">reported on<span class=\"f ps2\"> </span></span></div><div class=\"ps14214 ss114\"><span class=\"f charStyle-ef17fa27 ps17615\">the balance<span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss114\"><span class=\"f charStyle-ef17fa27 ps8351\">sheet<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17502 ss2080\"><div><div class=\"ps14218 ss296\"><span class=\"f charStyle-6f1c08a8 ps11101\">Financial<span class=\"f ps2\"> </span></span></div><div class=\"ps14220 ss296\"><span class=\"f charStyle-6f1c08a8 ps9199\"> instruments<span class=\"f ps2\"> </span></span></div><div class=\"ps14214 ss296\"><span class=\"f charStyle-6f1c08a8 ps17616\"> (including non-<span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss296\"><span class=\"f charStyle-6f1c08a8 ps3484\">cash collateral)<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2816 ss2081\"><div><div class=\"ps14214 ss114\"><span class=\"f charStyle-6f1c08a8 ps11069\">Cash<span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss114\"><span class=\"f charStyle-6f1c08a8 ps15698\">collateral<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2817 ss2081\"><div><div class=\"ps14216 ss114\"><span class=\"f charStyle-ef17fa27 ps11493\">Net amount<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps4049 ss1633\"><div><div class=\"ps809 ss1017\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3844 ss1634\"><div><div class=\"ps997 ss1017\" style=\"font-size:12pt\"><span class=\"f charStyle-13225c7c ps7\">2025</span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps218 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-b7f6e8e5 ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps1353 ss1637\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Reverse repurchase agreements and <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">cash collateral on securities borrowed<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17617 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.63pt\"></span></span><span class=\"ps15081\">1\u00a0640\u00a0765<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17618 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17619 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.63pt\"></span></span><span class=\"ps3525\">1\u00a0640\u00a0765<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps17621 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.56pt\"></span></span><span class=\"ps17646\">(1\u00a0606\u00a0223)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17623 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.47pt\"></span></span><span class=\"ps17647\">(34\u00a0542)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15767 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9234 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17624 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.79pt\"></span></span><span class=\"ps10436\">919\u00a0030<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17626 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.63pt\"></span></span><span class=\"ps17648\">(619\u00a0749)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17627 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.98pt\"></span></span><span class=\"ps99\">299\u00a0281<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps17530 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.34pt\"></span></span><span class=\"ps15467\">(116\u00a0383)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9238 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.81pt\"></span></span><span class=\"ps14433\">(113\u00a0709)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9240 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.55pt\"></span></span><span class=\"ps11206\">69\u00a0189<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"><div class=\"ps9241 ss1634\"><div><div class=\"ps997 ss1017\"><span class=\"f charStyle-b7f6e8e5 ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11521 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17628 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.15pt\"></span></span><span class=\"ps9237\">783\u00a0108<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17629 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.68pt\"></span></span><span class=\"ps11651\">(508\u00a0317)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17630 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.57pt\"></span></span><span class=\"ps9523\">274\u00a0791<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps17631 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.34pt\"></span></span><span class=\"ps15467\">(116\u00a0383)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15944 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.28pt\"></span></span><span class=\"ps17649\">(37\u00a0815)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15945 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.93pt\"></span></span><span class=\"ps11836\">120\u00a0593<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps13072 ss1637\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Repurchase agreements and cash <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">collateral on securities lent<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17632 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.3pt\"></span></span><span class=\"ps9455\">178\u00a0202<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17633 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17634 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.3pt\"></span></span><span class=\"ps9492\">178\u00a0202<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps17635 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.83pt\"></span></span><span class=\"ps9291\">(176\u00a0831)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17636 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.09pt\"></span></span><span class=\"ps3234\">(522)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17637 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.44pt\"></span></span><span class=\"ps3232\">849<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12761 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-9458d4de ps7\">Other liabilities</span><span class=\"f charStyle-70e7a25b ps17650\"><sup>#</sup></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps17638 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.58pt\"></span></span><span class=\"ps11124\">660\u00a0049<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps17639 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.6pt\"></span></span><span class=\"ps11627\">(111\u00a0432)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps17640 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.32pt\"></span></span><span class=\"ps9441\">548\u00a0617<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12762 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps17641 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps17642 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.32pt\"></span></span><span class=\"ps9441\">548\u00a0617<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps17652 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">The Group enters into derivatives and repurchase and reverse repurchase agreements with various counterparties which are governed by industry standard master </span></span></div><div class=\"ps17653 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">netting agreements. The Group holds and provides cash and securities collateral in respect of derivatives transactions covered by these agreements. The right to set </span></div><div class=\"ps17654 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">off balances under these master netting agreements or to set off cash and securities collateral only arises in the event of non-payment or default and, as a result, </span></div><div class=\"ps17655 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">these arrangements do not qualify for offsetting under IAS 32.<span class=\"f ps2\"> </span></span></div><div class=\"ps17656 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-3e468f6d ps14678\"><sup>#</sup></span><span class=\"f charStyle-207fba8f\"><span class=\"ps14679\"><span style=\"display:inline-block;height:5.81pt;width:11.71pt\"></span></span><span class=\"ps968\">Certain variation margin accounts that qualify in full for offsetting were previously shown against other assets, but have been re-presented to be shown against other </span></span></div><div class=\"ps17657 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">liabilities as this better reflects the net position at the reporting date.</span></div><div class=\"ps17659 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">1<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">Amounts offset for derivative financial assets and derivative financial liabilities represent variation margin received and paid on exchange traded/centrally cleared </span></span></div><div class=\"ps17660 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">derivatives and the netting of long and short derivative balances against clients with enforceable netting arrangements.</span></div><div class=\"ps17662 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps23\">2</span><span class=\"f charStyle-207fba8f\"><span class=\"ps17661\"><span style=\"display:inline-block;height:5.81pt;width:10.51pt\"></span></span><span class=\"ps968\">Financial instruments (including non-cash collateral) include financial collateral whether recognised or unrecognised.</span></span></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">52<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15021\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15022\">Derecognition<span class=\"f ps2\"> </span></span></div><div class=\"ps5918 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Transfer of financial assets that do not result in derecognition<span class=\"f ps2\"> </span></span></div><div class=\"ps5919 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group is party to securitisation transactions whereby assets continue to be recognised on-balance sheet (either fully </span></div><div class=\"ps5920 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">or\u00a0partially) although they have been subject to legal transfer to another entity. Securitisations may, depending on the individual <span class=\"f ps2\"> </span></span></div><div class=\"ps13827 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">arrangement, result in continued recognition of the securitised assets and the recognition of the debt securities issued in the </span></div><div class=\"ps13828 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">transaction.<span class=\"f ps2\"> </span></span></div><div class=\"ps17687 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:255.75pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps12364 ss1620\"><div><div class=\"ps809 ss1514\"><span class=\"f charStyle-a26246ce ps12363\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps2813 ss1620\"><div><div class=\"ps809 ss1514\"><span class=\"f charStyle-8d4b9b37 ps12365\">2025<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:33pt\"><td style=\"padding:0\"><div class=\"ps816 ss2082\"><div><div class=\"ps12527 ss29\"><span class=\"f charStyle-a26246ce ps7\">No derecognition achieved<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12367 ss2083\"><div><div class=\"ps11636 ss296\"><span class=\"f charStyle-a26246ce ps17665\">Carrying <span class=\"f ps2\"> </span></span></div><div class=\"ps11638 ss296\"><span class=\"f charStyle-a26246ce ps17666\">amount of <span class=\"f ps2\"> </span></span></div><div class=\"ps11633 ss296\"><span class=\"f charStyle-a26246ce ps15709\">assets that <span class=\"f ps2\"> </span></span></div><div class=\"ps11622 ss296\"><span class=\"f charStyle-a26246ce ps17667\">continue to be <span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss296\"><span class=\"f charStyle-a26246ce ps13206\">recognised</span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11281 ss2084\"><div><div class=\"ps11638 ss114\"><span class=\"f charStyle-a26246ce ps14024\">Carrying <span class=\"f ps2\"> </span></span></div><div class=\"ps11633 ss114\"><span class=\"f charStyle-a26246ce ps17668\">amount of <span class=\"f ps2\"> </span></span></div><div class=\"ps11622 ss114\"><span class=\"f charStyle-a26246ce ps10466\">associated <span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss114\"><span class=\"f charStyle-a26246ce ps107\">liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2815 ss2083\"><div><div class=\"ps11638 ss296\"><span class=\"f charStyle-8d4b9b37 ps17669\">Carrying amount <span class=\"f ps2\"> </span></span></div><div class=\"ps11633 ss296\"><span class=\"f charStyle-8d4b9b37 ps17670\">of assets that <span class=\"f ps2\"> </span></span></div><div class=\"ps11622 ss296\"><span class=\"f charStyle-8d4b9b37 ps17671\">continue to be <span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss296\"><span class=\"f charStyle-8d4b9b37 ps17672\">recognised</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2473 ss2084\"><div><div class=\"ps11638 ss114\"><span class=\"f charStyle-8d4b9b37 ps11516\">Carrying <span class=\"f ps2\"> </span></span></div><div class=\"ps11633 ss114\"><span class=\"f charStyle-8d4b9b37 ps17673\">amount of <span class=\"f ps2\"> </span></span></div><div class=\"ps11622 ss114\"><span class=\"f charStyle-8d4b9b37 ps441\">associated <span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss114\"><span class=\"f charStyle-8d4b9b37 ps17674\">liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3428 ss1746\"><div><div class=\"ps4014 ss29\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3520 ss1698\"><div><div class=\"ps997 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17675 ss301\"><div><div class=\"ps997 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.32pt\"></span></span><span class=\"ps9255\">914\u00a0155<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17676 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps17677 ss301\"><div><div class=\"ps997 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.13pt\"></span></span><span class=\"ps14348\">1\u00a0657\u00a0927<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps17678 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps6738 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17679 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.18pt\"></span></span><span class=\"ps11273\">45\u00a0362<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17680 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps17681 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.44pt\"></span></span><span class=\"ps11869\">95\u00a0626<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17682 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17683 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.39pt\"></span></span><span class=\"ps8435\">959\u00a0517<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17684 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.31pt\"></span></span><span class=\"ps12518\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17685 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.85pt\"></span></span><span class=\"ps17220\">1\u00a0753\u00a0553<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17686 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.31pt\"></span></span><span class=\"ps12518\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps17688 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The transferred assets above in both the current and prior year are held within structured entities which are wholly-owned and </span></div><div class=\"ps17689 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">consolidated by the Group. There are no external parties participating in these vehicles and therefore the Group continues to have </span></div><div class=\"ps17690 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">full exposure to the risks and rewards associated with the assets and the associated liabilities are eliminated on consolidation. <span class=\"f ps2\"> </span></span></div><div class=\"ps17691 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">There are no restrictions or limitations on the Group's recourse to the assets held within the structured entities.</span></div><div class=\"ps17696 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For transfer of assets in relation to repurchase agreements refer to </span><span class=\"f charStyle-33e1c6d6 ps17692\">note</span><span class=\"f charStyle-33e1c6d6 ps17693\"> </span><span class=\"f charStyle-33e1c6d6 ps17694\">17<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps17695\">.</span></div><div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_433\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps181 ss8\"><div class=\"ss236 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:18.75pt\"></td><td style=\"padding:0;width:18.75pt\"></td><td style=\"padding:0;width:114.75pt\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss2149\"><div><div class=\"ps28 ss740\"><div class=\"ps18454\"><div class=\"ps19\"><img alt=\"Unaudited_information.svg\" id=\"i-194\" src=\"data:image/svg+xml;base64,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\" style=\"height:13.52pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps3212 ss2149\"><div><div class=\"ps28 ss740\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Integrating_sustainability.svg\" id=\"i-195\" src=\"data:image/svg+xml;base64,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\" style=\"height:15.59pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:18.75pt\"><td colspan=\"3\" style=\"padding:0\"><div class=\"ps429 ss2292\"><div><div class=\"ps1194 ss236\" style=\"font-size:12pt\"><span class=\"f charStyle-4c6f80c5 ps7\">56<span class=\"f ps2\"> </span></span><span class=\"f charStyle-4c6f80c5 ps19747\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-4c6f80c5 ps16894\">Sustainability risk<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21534 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec\u2019s sustainability strategy is aligned to the UN <span class=\"f ps2\"> </span></span></div><div class=\"ps21535 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Sustainable Development Goals (SDGs) and is anchored around <span class=\"f ps2\"> </span></span></div><div class=\"ps9017 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">two focus areas: addressing climate change and supporting <span class=\"f ps2\"> </span></span></div><div class=\"ps21536 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">socioeconomic progress. These focus areas are supported by <span class=\"f ps2\"> </span></span></div><div class=\"ps21538 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the following:<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21537\"> <span class=\"f ps2\"> </span></span></div><div class=\"ps21539 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Quality education (SDG 4)</span></div><div class=\"ps21540 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Clean water and sanitation (SDG 6)</span></div><div class=\"ps21541 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Affordable and clean energy (SDG 7)</span></div><div class=\"ps21542 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Decent work and economic growth (SDG 8)</span></div><div class=\"ps21543 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Industry innovation and infrastructure (SDG 9)</span></div><div class=\"ps11014 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Reduced inequalities (SDG 10)</span></div><div class=\"ps21544 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Sustainable cities and communities (SDG 11)</span></div><div class=\"ps11018 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Climate action (SDG 13).</span></div><div class=\"ps21545 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Risk governance structure<span class=\"f ps2\"> </span></span></div><div class=\"ps21546 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">The Investec Group\u2019s DLC Executive Sustainability Committee, <span class=\"f ps2\"> </span></span></div><div class=\"ps21547 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">mandated by the Investec Group\u2019s executive directors, reports <span class=\"f ps2\"> </span></span></div><div class=\"ps21548 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">relevant matters to the DLC SEC, DLC BRCC and Investec Group <span class=\"f ps2\"> </span></span></div><div class=\"ps21550 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">ERC. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21549\">The main objectives of the committee are to align and <span class=\"f ps2\"> </span></span></div><div class=\"ps21551 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">integrate sustainability activities across the organisation while <span class=\"f ps2\"> </span></span></div><div class=\"ps21552 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">focusing on business opportunities and escalating significant <span class=\"f ps2\"> </span></span></div><div class=\"ps21553 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">matters for consideration. The committee provides feedback to <span class=\"f ps2\"> </span></span></div><div class=\"ps21554 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the DLC SEC on current and emerging sustainability matters <span class=\"f ps2\"> </span></span></div><div class=\"ps21555 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and identifies relevant external factors that could negatively <span class=\"f ps2\"> </span></span></div><div class=\"ps21556 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">impact the organisation's reputation, while also considering <span class=\"f ps2\"> </span></span></div><div class=\"ps21557 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec\u2019s impact on people and planet, reflecting a double <span class=\"f ps2\"> </span></span></div><div class=\"ps21558 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">materiality\u00a0perspective.<span class=\"f ps2\"> </span></span></div><div class=\"ps21559 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Risk management and measurement</span></div><div class=\"ps21560 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps23\">We integrate sustainability considerations into our daily <span class=\"f ps2\"> </span></span></div><div class=\"ps21561 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps23\">operations and credit and investment decision-making <span class=\"f ps2\"> </span></span></div><div class=\"ps21562 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps23\">processes, and we adopt a precautionary approach to managing <span class=\"f ps2\"> </span></span></div><div class=\"ps21563 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps23\">sustainability risks within our decision-making frameworks.<span class=\"f ps2\"> </span></span></div><div class=\"ps21564 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Sustainability-related risks are embedded within the Group\u2019s </span></div><div class=\"ps21565 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">risk management framework and are considered alongside </span></div><div class=\"ps4999 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">other financial and non-financial risks. They arise primarily </span></div><div class=\"ps21566 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">through our lending and investment portfolios, as well as </span></div><div class=\"ps21567 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">operational activities and value chain relationships with </span></div><div class=\"ps21568 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">suppliers, clients and counterparties, and are reflected in the </span></div><div class=\"ps21569 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">risk appetite framework.</span></div><div class=\"ps21570 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">We encourage our clients to adopt and adhere to best <span class=\"f ps2\"> </span></span></div><div class=\"ps21571 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">practices and standards regarding sustainability matters, as <span class=\"f ps2\"> </span></span></div><div class=\"ps21572 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">well as to report on their sustainability performance and impact <span class=\"f ps2\"> </span></span></div><div class=\"ps21573 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">where appropriate. Additionally, our due diligence processes <span class=\"f ps2\"> </span></span></div><div class=\"ps21574 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">are embedded in our operations, with transparency maintained <span class=\"f ps2\"> </span></span></div><div class=\"ps21575 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">via disclosures to our stakeholders and regulators. We believe <span class=\"f ps2\"> </span></span></div><div class=\"ps21576 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">that one of the most significant socio-economic and <span class=\"f ps2\"> </span></span></div><div class=\"ps21577 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">environmental impacts we can achieve is through partnering <span class=\"f ps2\"> </span></span></div><div class=\"ps21578 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">with our clients and stakeholders to foster a cleaner, more <span class=\"f ps2\"> </span></span></div><div class=\"ps21579 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">resilient, and inclusive world. <span class=\"f ps2\"> </span></span></div><div class=\"ps21580 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">We use various tools and frameworks to assess the <span class=\"f ps2\"> </span></span></div><div class=\"ps21581 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sustainability performance and impact of our clients and <span class=\"f ps2\"> </span></span></div><div class=\"ps21582 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">transactions, including the Equator Principles, Partnership for <span class=\"f ps2\"> </span></span></div><div class=\"ps21583 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Carbon Accounting Financials (PCAF), the UN Global Compact, <span class=\"f ps2\"> </span></span></div><div class=\"ps21584 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the UN Guiding Principles on Business and Human Rights, and <span class=\"f ps2\"> </span></span></div><div class=\"ps21585 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the OECD Guidelines for Multinational Enterprises.<span class=\"f ps2\"> </span></span></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Our strategy for managing and measuring sustainability risk <span class=\"f ps2\"> </span></span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">is\u00a0ultimately informed by our consideration of Investec\u2019s <span class=\"f ps2\"> </span></span></div><div class=\"ps701 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">supporting\u00a0SDGs.<span class=\"f ps2\"> </span></span></div><div class=\"ps19860 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps4867\">Supporting socioeconomic progress</span></div><div class=\"ps10629 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">The Group </span><span class=\"f charStyle-33e1c6d6 ps21586\">is committed to promoting inclusive socioeconomic <span class=\"f ps2\"> </span></span></div><div class=\"ps10630 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">development within our operations, communities, and business <span class=\"f ps2\"> </span></span></div><div class=\"ps10822 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">activities. We recognise the importance of fostering an inclusive <span class=\"f ps2\"> </span></span></div><div class=\"ps5822 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">environment that promotes equal opportunities for all <span class=\"f ps2\"> </span></span></div><div class=\"ps5823 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">individuals<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21587\">.<span class=\"f ps2\"> </span></span></div><div class=\"ps10634 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps4867\">Within our own operations</span></div><div class=\"ps10724 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">The Group <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21586\">is dedicated to cultivating a purposeful and inclusive </span></div><div class=\"ps21588 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">culture, which we achieve through our workplace environment </span></div><div class=\"ps21590 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">and the Investec experience.</span><span class=\"f charStyle-33e1c6d6 ps21589\"> </span></div><div class=\"ps21591 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Furthermore, we recognise that no single business can address <span class=\"f ps2\"> </span></span></div><div class=\"ps21592 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">the myriad socio-economic needs present in society. <span class=\"f ps2\"> </span></span></div><div class=\"ps21593 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Therefore, our focus is directed towards education and <span class=\"f ps2\"> </span></span></div><div class=\"ps21594 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">learnerships, entrepreneurship and job creation, environmental <span class=\"f ps2\"> </span></span></div><div class=\"ps21595 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">sustainability, and philanthropy.<span class=\"f ps2\"> </span></span></div><div class=\"ps21596 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">In principle, we are committed to:</span></div><div class=\"ps21597 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Encouraging a sense of belonging for all people, irrespective <span class=\"f ps2\"> </span></span></div><div class=\"ps21598 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">of difference<span class=\"f ps2\"> </span></span></div><div class=\"ps21599 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Focusing on creating education and learnership opportunities <span class=\"f ps2\"> </span></span></div><div class=\"ps21600 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">within our communities<span class=\"f ps2\"> </span></span></div><div class=\"ps21601 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Creating jobs for young people through quality work <span class=\"f ps2\"> </span></span></div><div class=\"ps21602 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">experience placements.<span class=\"f ps2\"> </span></span></div><div class=\"ps21603 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">At 12 June 2026 we had 55% representation of women and <span class=\"f ps2\"> </span></span></div><div class=\"ps21604 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">45% of minority ethnic diversity, as defined by the UK listing <span class=\"f ps2\"> </span></span></div><div class=\"ps21605 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">rule, on the\u00a0Board.<span class=\"f ps2\"> </span></span></div><div class=\"ps21606 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">We continue to improve our gender pay gap in the UK, with a <span class=\"f ps2\"> </span></span></div><div class=\"ps21609 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">mean hourly pay gap of </span><span class=\"f charStyle-33e1c6d6 ps21607\">17.1%</span><span class=\"f charStyle-33e1c6d6 ps21608\">, and we voluntarily disclose our <span class=\"f ps2\"> </span></span></div><div class=\"ps21610 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">ethnicity pay gap.</span></div><div class=\"ps21611 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Our community initiatives form the cornerstone of our <span class=\"f ps2\"> </span></span></div><div class=\"ps21612 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">commitment to creating enduring worth, reinforcing our <span class=\"f ps2\"> </span></span></div><div class=\"ps21613 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">overarching goal of fostering corporate responsibility. We are <span class=\"f ps2\"> </span></span></div><div class=\"ps21614 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">currently in the process of developing a comprehensive social <span class=\"f ps2\"> </span></span></div><div class=\"ps21615 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">impact strategy and framework to consolidate and enhance our <span class=\"f ps2\"> </span></span></div><div class=\"ps21616 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">community initiatives.<span class=\"f ps2\"> </span></span></div><div class=\"ps21617 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps4867\">Within our lending and investment activities<span class=\"f ps2\"> </span></span></div><div class=\"ps21618 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">We support a number of internationally recognised principles, </span></div><div class=\"ps21620 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">guidelines and voluntary standards which reflect our commitment</span><span class=\"f charStyle-33e1c6d6 ps21619\"> </span></div><div class=\"ps21621 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">to respecting human rights, building inclusive communities, and </span></div><div class=\"ps21622 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">supporting activities that reduce inequalities. Investec </span></div><div class=\"ps21623 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">prioritises the development of the mid-market sector, a crucial </span></div><div class=\"ps21624 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">driver of job creation and economic growth.</span></div><div class=\"ps21625 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">The Investec Group\u2019s Sustainable and Transition Finance </span></div><div class=\"ps21626 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Classification Framework and associated target drive financing </span></div><div class=\"ps21627 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">for commercial activities that support social outcomes (as well </span></div><div class=\"ps21628 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">as environmental outcomes), most of which are in pursuit of </span></div><div class=\"ps21629 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">supporting socioeconomic progress.</span></div><div class=\"ps21630 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">In principle, we will not engage in activities:</span></div><div class=\"ps21631 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">that do not respect human rights and the rights of local </span></div><div class=\"ps21632 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">communities and indigenous peoples</span></div><div class=\"ps21633 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">that are in non-compliance with minimum standards for </span></div><div class=\"ps21634 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">occupational health and safety and the relevant local </span></div><div class=\"ps21635 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">legislation.</span></div></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec places significant importance on addressing modern </span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">slavery according to the UK Modern Slavery Act 2015. This </span></div><div class=\"ps701 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">extends to screening third parties' modern slavery policies at </span></div><div class=\"ps702 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the time of onboarding.</span></div><div class=\"ps705 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The considerations outlined above are integrated into the <span class=\"f ps2\"> </span></span></div><div class=\"ps706 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sustainability screening processes applied across our business <span class=\"f ps2\"> </span></span></div><div class=\"ps3314 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">activities. Transactions are classified as high, medium, or low <span class=\"f ps2\"> </span></span></div><div class=\"ps6371 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">risk in accordance with the European Bank for Reconstruction <span class=\"f ps2\"> </span></span></div><div class=\"ps6372 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and Development (EBRD) classification using the <span class=\"f ps2\"> </span></span><span class=\"f charStyle-68c7bd0e ps21638\">International <span class=\"f ps2\"> </span></span></div><div class=\"ps8220 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">Finance Corporation (IFC) <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21639\">guidelines. Those identified in high-<span class=\"f ps2\"> </span></span></div><div class=\"ps8221 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">risk industries undergo a comprehensive screening process <span class=\"f ps2\"> </span></span></div><div class=\"ps6026 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">conducted by the Group Sustainability team. The assessment <span class=\"f ps2\"> </span></span></div><div class=\"ps6027 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of a transaction\u2019s social impact may include evaluating policies <span class=\"f ps2\"> </span></span></div><div class=\"ps6028 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">related to human rights, health and safety, and modern slavery, <span class=\"f ps2\"> </span></span></div><div class=\"ps6029 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">as well as adherence to Minimum Social Safeguards.<span class=\"f ps2\"> </span></span></div><div class=\"ps6030 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Addressing climate change</span></div><div class=\"ps5830 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Our environmental policy and climate change statement reflect </span></div><div class=\"ps5831 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">our commitment to achieving a net-zero carbon economy by </span></div><div class=\"ps5832 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">2050. In addition, our biodiversity statement reinforces our </span></div><div class=\"ps5833 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">dedication to safeguarding the natural environment. We </span></div><div class=\"ps5834 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">acknowledge the interconnectedness of climate change and </span></div><div class=\"ps21640 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">biodiversity loss, as well as the exposure of our business and </span></div><div class=\"ps10689 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">operational activities to various climate and nature-related </span></div><div class=\"ps10690 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">risks. The</span><span class=\"f charStyle-33e1c6d6 ps21641\"> </span><span class=\"f charStyle-33e1c6d6 ps21642\">Group positively impacts biodiversity through </span></div><div class=\"ps10691 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">environmental philanthropy activities and reduces negative </span></div><div class=\"ps18285 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">effects by addressing financial crimes related to illegal </span></div><div class=\"ps18286 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">wildlife\u00a0trade.</span></div><div class=\"ps18287 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In principle:</span></div><div class=\"ps21643 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">We are committed to integrating climate change and nature-<span class=\"f ps2\"> </span></span></div><div class=\"ps21644 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">related risk considerations into our day-to-day operations <span class=\"f ps2\"> </span></span></div><div class=\"ps21645 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">and into our lending and investment decisions<span class=\"f ps2\"> </span></span></div><div class=\"ps18294 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">We have a Group environmental and climate change </span></div><div class=\"ps18295 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">statement that guides credit decision-making from a </span></div><div class=\"ps21646 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">sustainability perspective</span></div><div class=\"ps18297 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">We support the key provisions of the <span class=\"f ps2\"> </span></span><span class=\"f charStyle-68c7bd0e ps21647\">Equator Principles (EP). <span class=\"f ps2\"> </span></span></div><div class=\"ps18298 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps461\">Transactio<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21648\">ns that fall within the scope of the Equator <span class=\"f ps2\"> </span></span></div><div class=\"ps18299 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">Principles in non-designated countries are assessed in line <span class=\"f ps2\"> </span></span></div><div class=\"ps18300 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">with the applicable EP requirements<span class=\"f ps2\"> </span></span></div><div class=\"ps21649 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">We will not engage in activities that negatively impact </span></div><div class=\"ps21650 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">conservation areas or have an irreversible negative impact on </span></div><div class=\"ps21651 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">the environment, indigenous people or natural assets. </span></div><div class=\"ps21652 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Climate risk, a key component of sustainability risk, is becoming </span></div><div class=\"ps21653 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">increasingly material for banks. In our assessments of the </span></div><div class=\"ps21654 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">impact of climate change on our business, we consider both </span></div><div class=\"ps21655 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">physical risks and transition risks. While we continue to </span></div><div class=\"ps21656 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">integrate climate risk considerations into our risk management </span></div><div class=\"ps21657 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">frameworks, we also recognise the commercial opportunities </span></div><div class=\"ps21658 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">that climate action presents.</span></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps4867\">Our approach to net-zero</span></div><div class=\"ps10770 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">We support the Paris Agreement aims of holding the increase in <span class=\"f ps2\"> </span></span></div><div class=\"ps10771 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">global average temperature to well below 2\u00b0C above pre-<span class=\"f ps2\"> </span></span></div><div class=\"ps19160 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">industrial levels and continue to pursue efforts towards limiting it <span class=\"f ps2\"> </span></span></div><div class=\"ps19161 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">to 1.5\u00b0C <span class=\"f ps2\"> </span></span></div><div class=\"ps10774 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">Investec\u2019s pathway to net-zero comprises three channels of <span class=\"f ps2\"> </span></span></div><div class=\"ps10775 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">impact:<span class=\"f ps2\"> </span></span></div><div class=\"ps10776 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Meeting our fossil fuel exposure commitments<span class=\"f ps2\"> </span></span></div><div class=\"ps19440 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Driving sustainable and transition finance activities<span class=\"f ps2\"> </span></span></div><div class=\"ps19167 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Influencing and advocating for our clients and suppliers to <span class=\"f ps2\"> </span></span></div><div class=\"ps19168 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">effectively pursue decarbonisation.<span class=\"f ps2\"> </span></span></div><div class=\"ps19169 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">As part of our commitment to achieving net zero by 2050, the </span></div><div class=\"ps19170 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Investec Group announced a target last year to facilitate \u00a318 </span></div><div class=\"ps19171 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">billion of sustainable and transition finance by FY2030. </span></div><div class=\"ps19173 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Furthermore we have set sector-specific decarbonisation </span></div><div class=\"ps21659 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">targets as part of our Phase I transition plan. This includes a </span></div><div class=\"ps21660 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">20% to 45% reduction in power generation emissions intensity </span></div><div class=\"ps21661 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">by FY2030 and engagement with at least 85% of qualifying oil </span></div><div class=\"ps21662 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">and gas clients by FY2029 to support credible transition </span></div><div class=\"ps21663 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">pathways. </span></div><div class=\"ps21667 ss8\"><div class=\"ss222 ws0 ps356\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:24.75pt\"></td><td style=\"padding:0;width:210pt\"></td></tr><tr style=\"height:26.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss2293\"><div><div class=\"ps28 ss10\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"WebsiteSVG_Black.svg\" id=\"i-196\" src=\"data:image/svg+xml;base64,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\" style=\"height:19.84pt;width:19.84pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps5840 ss2294\"><div><div class=\"ps21665 ss824\"><span class=\"f charStyle-c4fc3a3f ps7\">Refer to our 2026 Integrated Sustainability Report for <span class=\"f ps2\"> </span></span></div><div class=\"ps21666 ss824\"><span class=\"f charStyle-c4fc3a3f ps7\">more information.<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21668 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps4867\">Within our own operations</span></div><div class=\"ps21669 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">We embrace our responsibility to understand and manage our <span class=\"f ps2\"> </span></span></div><div class=\"ps21670 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">carbon footprint. We have upheld our commitment to carbon <span class=\"f ps2\"> </span></span></div><div class=\"ps21671 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">neutrality in our direct operational emissions for the eighth <span class=\"f ps2\"> </span></span></div><div class=\"ps21672 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">consecutive financial year by sourcing 100% of our Scope 2 <span class=\"f ps2\"> </span></span></div><div class=\"ps21673 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">energy consumption from renewable energy sources through <span class=\"f ps2\"> </span></span></div><div class=\"ps21674 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">the purchase of Renewable Energy Certificates. We have <span class=\"f ps2\"> </span></span></div><div class=\"ps21678 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">offset\u00a0the remaining unavoidable residual emissions of<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21675\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21676\">82%<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21677\"> at <span class=\"f ps2\"> </span></span></div><div class=\"ps21682 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">31 March 2026 (31 March 2025: <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21679\">91%<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21680\">) <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21681\">by acquiring verified, <span class=\"f ps2\"> </span></span></div><div class=\"ps21683 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">high-quality carbon credits. Climate risk assessments are <span class=\"f ps2\"> </span></span></div><div class=\"ps21685 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">conducted in accordance with the requirements of the BoE<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21684\">. <span class=\"f ps2\"> </span></span></div><div class=\"ps21686 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps4867\">Within our lending and investment activities</span></div><div class=\"ps21687 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">We acknowledge that one of the widest and most impactful <span class=\"f ps2\"> </span></span></div><div class=\"ps21688 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">influences we can have on the environment is to manage and <span class=\"f ps2\"> </span></span></div><div class=\"ps21689 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">reduce the carbon emissions associated with our business <span class=\"f ps2\"> </span></span></div><div class=\"ps21690 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">activities, particularly within our lending and investment <span class=\"f ps2\"> </span></span></div><div class=\"ps21691 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">portfolios (Scope 3 financed activities). As such, we continue to <span class=\"f ps2\"> </span></span></div><div class=\"ps21692 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">work with the PCAF to measure our financed emissions and are <span class=\"f ps2\"> </span></span></div><div class=\"ps21693 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">actively enhancing data collection efforts and refining <span class=\"f ps2\"> </span></span></div><div class=\"ps21694 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">assumptions for the Scope 3 emissions calculations. <span class=\"f ps2\"> </span></span></div><div class=\"ps21695 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">As part of the sustainability screening process, the assessment <span class=\"f ps2\"> </span></span></div><div class=\"ps21696 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">of a transaction\u2019s environmental impact may include evaluating <span class=\"f ps2\"> </span></span></div><div class=\"ps21697 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">policies related to the environment, waste management, and <span class=\"f ps2\"> </span></span></div>rehabilitation, as well as environmental impact assessments.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-916": {
   "value": "<div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_259\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:11.02pt\">11<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps12484\" style=\"width:3.31pt\">.<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps12485\" style=\"width:2.55pt\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps12486\" style=\"width:395.55pt\">Analysis of income and impairments by category of financial instrument<span class=\"f ps2\"> </span></span></div><div class=\"ps72 ss8\"><div class=\"ss1718 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:312pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:36pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps12490 ss1711\"><div><div class=\"ps8325 ss1358\"><span class=\"f charStyle-a26246ce ps12488\">At fair value through <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss1358\"><span class=\"f charStyle-a26246ce ps12489\">profit or loss<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps814 ss1667\"><div><div class=\"ps8329 ss114\"><span class=\"f charStyle-86fcaca6 ps12491\">At fair value <span class=\"f ps2\"> </span></span></div><div class=\"ps8331 ss114\"><span class=\"f charStyle-86fcaca6 ps12492\">through <span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss114\"><span class=\"f charStyle-86fcaca6 ps12493\">comprehensive <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss114\"><span class=\"f charStyle-86fcaca6 ps12494\">income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:32.25pt\"><td style=\"padding:0\"><div class=\"ps824 ss1713\"><div><div class=\"ps3317 ss1712\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12496 ss1714\"><div><div class=\"ps12002 ss296\"><span class=\"f charStyle-8d4b9b37 ps12495\">Mandatory<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2818 ss1715\"><div><div class=\"ps12006 ss114\"><span class=\"f charStyle-8d4b9b37 ps12497\">Designated at <span class=\"f ps2\"> </span></span></div><div class=\"ps12002 ss114\"><span class=\"f charStyle-8d4b9b37 ps12498\">inception<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps829 ss1715\"><div><div class=\"ps12008 ss114\"><span class=\"f charStyle-8d4b9b37 ps11444\">Debt <span class=\"f ps2\"> </span></span></div><div class=\"ps12003 ss114\"><span class=\"f charStyle-8d4b9b37 ps12499\">instruments<span class=\"f ps2\"> </span></span></div><div class=\"ps12004 ss114\"><span class=\"f charStyle-8d4b9b37 ps12500\">with a dual <span class=\"f ps2\"> </span></span></div><div class=\"ps12006 ss114\"><span class=\"f charStyle-8d4b9b37 ps12501\">business<span class=\"f ps2\"> </span></span></div><div class=\"ps12002 ss114\"><span class=\"f charStyle-8d4b9b37 ps12502\">model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps192 ss1716\"><div><div class=\"ps809 ss1712\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps2501 ss1717\"><div><div class=\"ps997 ss1712\"><span class=\"f charStyle-b7f6e8e5 ps7\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3472 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interest income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps8588 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.06pt\"></span></span><span class=\"ps12503\">125\u00a0405<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9676 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12504 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.98pt\"></span></span><span class=\"ps5937\">252\u00a0965<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3477 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interest expense<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps8595 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.7pt\"></span></span><span class=\"ps12505\">(34\u00a0525)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9678 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12506 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1217 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fee and commission income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps8603 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.67pt\"></span></span><span class=\"ps11540\">19\u00a0164<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9681 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12507 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3485 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fee and commission expense<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps8610 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9683 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12508 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3334 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps8617 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.55pt\"></span></span><span class=\"ps11914\">28\u00a0619<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9684 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12510 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.48pt\"></span></span><span class=\"ps12509\">(3\u00a0078)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9686 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Share of post-taxation profit of associates and joint venture holdings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps8624 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9688 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12511 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4482 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Trading income/(loss) arising from<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9692 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-9458d4de ps680\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps681\">customer flow<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps8636 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.79pt\"></span></span><span class=\"ps11325\">97\u00a0461<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9693 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12512 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8640 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-9458d4de ps680\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps681\">balance sheet management and other trading activities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12513 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.37pt\"></span></span><span class=\"ps3967\">10\u00a0408<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9696 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12514 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12190 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other operating income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12515 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12192 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12516 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12194 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total operating income/(expense) before expected credit loss<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps12517 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.84pt\"></span></span><span class=\"ps9494\">246\u00a0532<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps12196 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.31pt\"></span></span><span class=\"ps12518\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps12520 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.97pt\"></span></span><span class=\"ps12519\">249\u00a0887<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12198 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Expected credit loss impairments charges<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12521 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12199 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12522 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.68pt\"></span></span><span class=\"ps5563\">5\u00a0077<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12202 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-b7f6e8e5 ps7\">Operating income/(expense)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12523 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.84pt\"></span></span><span class=\"ps9494\">246\u00a0532<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12204 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.31pt\"></span></span><span class=\"ps12518\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12525 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.47pt\"></span></span><span class=\"ps12524\">254\u00a0964<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps12580 ss8\"><div class=\"ss218 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:312pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:33pt\"><td style=\"padding:0\"><div class=\"ps19 ss1719\"><div><div class=\"ps12527 ss1712\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12490 ss1720\"><div><div class=\"ps12529 ss114\"><span class=\"f charStyle-8d4b9b37 ps12528\">Mandatory*<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12531 ss1720\"><div><div class=\"ps12530 ss114\"><span class=\"f charStyle-8d4b9b37 ps12497\">Designated at <span class=\"f ps2\"> </span></span></div><div class=\"ps12529 ss114\"><span class=\"f charStyle-8d4b9b37 ps12498\">inception<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12535 ss1720\"><div><div class=\"ps12532 ss114\"><span class=\"f charStyle-8d4b9b37 ps11444\">Debt <span class=\"f ps2\"> </span></span></div><div class=\"ps12533 ss114\"><span class=\"f charStyle-8d4b9b37 ps12499\">instruments<span class=\"f ps2\"> </span></span></div><div class=\"ps12534 ss114\"><span class=\"f charStyle-8d4b9b37 ps12500\">with a dual <span class=\"f ps2\"> </span></span></div><div class=\"ps12530 ss114\"><span class=\"f charStyle-8d4b9b37 ps12501\">business<span class=\"f ps2\"> </span></span></div><div class=\"ps12529 ss114\"><span class=\"f charStyle-8d4b9b37 ps12502\">model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps1201 ss1716\"><div><div class=\"ps809 ss1712\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3428 ss1717\"><div><div class=\"ps997 ss1712\" style=\"font-size:12pt\"><span class=\"f charStyle-13225c7c ps7\">2025</span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4468 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-9458d4de ps7\">Interest income</span><span class=\"f charStyle-70e7a25b ps12536\"><span class=\"f ps2\"> </span><sup>^</sup></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11296 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.55pt\"></span></span><span class=\"ps12537\">144\u00a0030<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12538 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12540 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.7pt\"></span></span><span class=\"ps12539\">235\u00a0290<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4084 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-9458d4de ps7\">Interest expense</span><span class=\"f charStyle-70e7a25b ps12541\"><span class=\"f ps2\"> </span><sup>^</sup></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12542 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.09pt\"></span></span><span class=\"ps8324\">(67\u00a0699)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12543 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12544 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4676 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fee and commission income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12545 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.78pt\"></span></span><span class=\"ps11512\">18\u00a0621<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12546 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12547 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3327 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fee and commission expense<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12548 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12549 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12550 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps7432 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12551 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.95pt\"></span></span><span class=\"ps12178\">49\u00a0346<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12553 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.52pt\"></span></span><span class=\"ps12552\">(60)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12554 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.56pt\"></span></span><span class=\"ps11958\">228<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12168 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Share of post-taxation profit of associates and joint venture holdings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12555 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12556 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12557 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8389 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Trading income/(loss) arising from<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12558 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-9458d4de ps680\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps681\">customer flow<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12559 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.29pt\"></span></span><span class=\"ps9484\">93\u00a0859<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12560 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12561 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12562 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-9458d4de ps680\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps681\">balance sheet management and other trading activities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12564 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.89pt\"></span></span><span class=\"ps12563\">15\u00a0565<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12565 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12566 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3669 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other operating income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12567 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12568 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12569 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9817 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total operating income/(expense) before expected credit loss<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps12570 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.69pt\"></span></span><span class=\"ps11599\">253\u00a0722<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps12572 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.64pt\"></span></span><span class=\"ps12571\">(60)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps12573 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.14pt\"></span></span><span class=\"ps11498\">235\u00a0518<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4596 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Expected credit loss impairments charges<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12574 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12575 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12576 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.29pt\"></span></span><span class=\"ps11081\">(9\u00a0886)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps346 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-b7f6e8e5 ps7\">Operating income/(expense)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12577 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.69pt\"></span></span><span class=\"ps11599\">253\u00a0722<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12578 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.64pt\"></span></span><span class=\"ps12571\">(60)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12579 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.2pt\"></span></span><span class=\"ps9975\">225\u00a0632<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps12581 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Historically, the Group has split fair value through profit and loss assets and liabilities into trading and non-trading, as defined by regulatory rules for the trading book </span></span></div><div class=\"ps12582 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">and banking book requirements, respectively, other than derivatives, which were all classified as trading. Given recent changes in regulations and that within the </span></div><div class=\"ps12583 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">business, the Group no longer uses this disclosure, the columns have been combined. </span></div></div><div class=\"ps72 ss8\"><div class=\"ss1721 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:36pt\"><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps19 ss1621\"><div><div class=\"ps8329 ss296\"><span class=\"f charStyle-a26246ce ps12586\">At fair value <span class=\"f ps2\"> </span></span></div><div class=\"ps8331 ss296\"><span class=\"f charStyle-a26246ce ps12587\">through <span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss296\"><span class=\"f charStyle-a26246ce ps12588\">comprehensive <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss296\"><span class=\"f charStyle-a26246ce ps12589\">income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:32.25pt\"><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss1714\"><div><div class=\"ps12006 ss296\"><span class=\"f charStyle-8d4b9b37 ps838\">Equity <span class=\"f ps2\"> </span></span></div><div class=\"ps12002 ss296\"><span class=\"f charStyle-8d4b9b37 ps4299\">instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12591 ss1714\"><div><div class=\"ps12006 ss296\"><span class=\"f charStyle-8d4b9b37 ps12038\">Amortised<span class=\"f ps2\"> </span></span></div><div class=\"ps12002 ss296\"><span class=\"f charStyle-8d4b9b37 ps12590\">cost<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12593 ss1714\"><div><div class=\"ps12006 ss296\"><span class=\"f charStyle-8d4b9b37 ps12592\">Non-financial <span class=\"f ps2\"> </span></span></div><div class=\"ps12002 ss296\"><span class=\"f charStyle-8d4b9b37 ps4299\">instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12596 ss1715\"><div><div class=\"ps12004 ss114\"><span class=\"f charStyle-8d4b9b37 ps12594\">Other fee <span class=\"f ps2\"> </span></span></div><div class=\"ps12006 ss114\"><span class=\"f charStyle-8d4b9b37 ps12595\">income and <span class=\"f ps2\"> </span></span></div><div class=\"ps12002 ss114\"><span class=\"f charStyle-8d4b9b37 ps9521\">expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12597 ss1715\"><div><div class=\"ps12002 ss114\"><span class=\"f charStyle-a26246ce ps11290\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#FFFFFF;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3472 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12599 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.25pt\"></span></span><span class=\"ps12598\">1\u00a0356\u00a0583<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12601 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.23pt\"></span></span><span class=\"ps12600\">13<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12602 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12603 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.41pt\"></span></span><span class=\"ps9198\">1\u00a0734\u00a0966<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3477 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12604 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.06pt\"></span></span><span class=\"ps11800\">(971\u00a0015)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12606 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.61pt\"></span></span><span class=\"ps12605\">(8\u00a0150)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12607 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12608 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.76pt\"></span></span><span class=\"ps9210\">(1\u00a0013\u00a0690)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1217 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12609 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.79pt\"></span></span><span class=\"ps11325\">91\u00a0247<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12610 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12611 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.43pt\"></span></span><span class=\"ps9252\">117\u00a0923<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12612 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.35pt\"></span></span><span class=\"ps9221\">228\u00a0334<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3485 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12614 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.27pt\"></span></span><span class=\"ps12613\">(2\u00a0860)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12615 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12616 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.96pt\"></span></span><span class=\"ps6947\">(18\u00a0629)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12617 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.84pt\"></span></span><span class=\"ps3977\">(21\u00a0489)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3334 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.11pt\"></span></span><span class=\"ps11155\">11\u00a0907<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12618 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.66pt\"></span></span><span class=\"ps10167\">(6\u00a0726)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12619 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.86pt\"></span></span><span class=\"ps5905\">30\u00a0767<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12620 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12621 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.43pt\"></span></span><span class=\"ps9205\">61\u00a0489<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9686 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12622 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12623 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.15pt\"></span></span><span class=\"ps12149\">60\u00a0283<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12624 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12625 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.15pt\"></span></span><span class=\"ps9237\">60\u00a0283<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#FFFFFF;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9692 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12627 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.77pt\"></span></span><span class=\"ps12626\">(5\u00a0967)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12628 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12629 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12630 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.32pt\"></span></span><span class=\"ps9255\">91\u00a0494<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8640 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12631 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.39pt\"></span></span><span class=\"ps10018\">(4\u00a0378)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12632 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12633 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12634 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.7pt\"></span></span><span class=\"ps9259\">6\u00a0030<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12190 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12635 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.01pt\"></span></span><span class=\"ps895\">1\u00a0924<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12636 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:46.94pt\"></span></span><span class=\"ps11316\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12637 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.51pt\"></span></span><span class=\"ps5508\">18\u00a0853<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12638 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.99pt\"></span></span><span class=\"ps9265\">20\u00a0778<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps12194 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.17pt\"></span></span><span class=\"ps8455\">11\u00a0907<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps12640 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.16pt\"></span></span><span class=\"ps12639\">458\u00a0808<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps12642 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.71pt\"></span></span><span class=\"ps12641\">82\u00a0914<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps12644 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.58pt\"></span></span><span class=\"ps12643\">118\u00a0147<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12645 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.66pt\"></span></span><span class=\"ps9270\">1\u00a0168\u00a0195<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12198 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12647 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.59pt\"></span></span><span class=\"ps12646\">(101\u00a0982)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12648 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12650 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.32pt\"></span></span><span class=\"ps12649\">(457)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12651 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.95pt\"></span></span><span class=\"ps9276\">(97\u00a0362)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12202 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.17pt\"></span></span><span class=\"ps8455\">11\u00a0907<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12653 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.74pt\"></span></span><span class=\"ps12652\">356\u00a0826<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12654 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.71pt\"></span></span><span class=\"ps12641\">82\u00a0914<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12655 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.22pt\"></span></span><span class=\"ps11385\">117\u00a0690<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12656 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.07pt\"></span></span><span class=\"ps9281\">1\u00a0070\u00a0833<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps12580 ss8\"><div class=\"ss1721 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:33pt\"><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss1722\"><div><div class=\"ps12530 ss296\"><span class=\"f charStyle-8d4b9b37 ps838\">Equity <span class=\"f ps2\"> </span></span></div><div class=\"ps12529 ss296\"><span class=\"f charStyle-8d4b9b37 ps4299\">instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps7974 ss1722\"><div><div class=\"ps12530 ss296\"><span class=\"f charStyle-8d4b9b37 ps12038\">Amortised<span class=\"f ps2\"> </span></span></div><div class=\"ps12529 ss296\"><span class=\"f charStyle-8d4b9b37 ps12590\">cost<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12657 ss1722\"><div><div class=\"ps12530 ss296\"><span class=\"f charStyle-8d4b9b37 ps12592\">Non-financial <span class=\"f ps2\"> </span></span></div><div class=\"ps12529 ss296\"><span class=\"f charStyle-8d4b9b37 ps4299\">instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12658 ss1720\"><div><div class=\"ps12534 ss114\"><span class=\"f charStyle-8d4b9b37 ps12594\">Other fee <span class=\"f ps2\"> </span></span></div><div class=\"ps12530 ss114\"><span class=\"f charStyle-8d4b9b37 ps12595\">income and <span class=\"f ps2\"> </span></span></div><div class=\"ps12529 ss114\"><span class=\"f charStyle-8d4b9b37 ps9521\">expenses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12659 ss1720\"><div><div class=\"ps12529 ss114\"><span class=\"f charStyle-a26246ce ps11290\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4468 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12660 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.68pt\"></span></span><span class=\"ps4273\">1\u00a0577\u00a0107<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12662 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.97pt\"></span></span><span class=\"ps12661\">3\u00a0673<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12663 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12664 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.46pt\"></span></span><span class=\"ps9199\">1\u00a0960\u00a0100<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4084 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12666 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.75pt\"></span></span><span class=\"ps12665\">(1\u00a0108\u00a0039)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12667 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.63pt\"></span></span><span class=\"ps11860\">(9\u00a0709)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12668 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12669 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.17pt\"></span></span><span class=\"ps9212\">(1\u00a0185\u00a0447)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4676 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12671 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.6pt\"></span></span><span class=\"ps12670\">80\u00a0870<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12672 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12674 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.55pt\"></span></span><span class=\"ps12673\">95\u00a0252<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12675 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.96pt\"></span></span><span class=\"ps9223\">194\u00a0743<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3327 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12676 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.28pt\"></span></span><span class=\"ps8457\">(2\u00a0953)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12677 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12678 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.04pt\"></span></span><span class=\"ps11548\">(10\u00a0958)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12679 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.29pt\"></span></span><span class=\"ps9228\">(13\u00a0911)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps7432 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.53pt\"></span></span><span class=\"ps12680\">10\u00a0962<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12681 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.1pt\"></span></span><span class=\"ps10033\">1\u00a0022<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12683 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.61pt\"></span></span><span class=\"ps12682\">(8\u00a0780)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12684 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12685 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.01pt\"></span></span><span class=\"ps9232\">52\u00a0718<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12168 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12686 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12688 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.41pt\"></span></span><span class=\"ps12687\">40\u00a0921<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps6293 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12689 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.41pt\"></span></span><span class=\"ps9239\">40\u00a0921<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12558 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12691 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.74pt\"></span></span><span class=\"ps12690\">(8\u00a0317)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12692 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12693 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12694 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.42pt\"></span></span><span class=\"ps9257\">85\u00a0542<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12562 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12696 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.4pt\"></span></span><span class=\"ps12695\">(1\u00a0329)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12697 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12698 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12699 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.3pt\"></span></span><span class=\"ps9261\">14\u00a0236<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps3669 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12701 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.12pt\"></span></span><span class=\"ps12700\">2\u00a0595<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12703 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.66pt\"></span></span><span class=\"ps12702\">(41)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12705 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.96pt\"></span></span><span class=\"ps12704\">3\u00a0210<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12706 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.24pt\"></span></span><span class=\"ps9267\">5\u00a0764<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps9817 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.63pt\"></span></span><span class=\"ps12288\">10\u00a0962<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps12707 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.28pt\"></span></span><span class=\"ps12406\">540\u00a0956<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps12709 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.22pt\"></span></span><span class=\"ps12708\">26\u00a0064<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps12710 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.6pt\"></span></span><span class=\"ps12205\">87\u00a0504<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12711 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.25pt\"></span></span><span class=\"ps9272\">1\u00a0154\u00a0666<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4596 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12713 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.82pt\"></span></span><span class=\"ps12712\">(88\u00a0258)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12714 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12715 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.21pt\"></span></span><span class=\"ps12425\">1\u00a0104<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12716 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.91pt\"></span></span><span class=\"ps9278\">(97\u00a0040)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps346 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.63pt\"></span></span><span class=\"ps12288\">10\u00a0962<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12717 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.6pt\"></span></span><span class=\"ps11627\">452\u00a0698<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12718 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.22pt\"></span></span><span class=\"ps12708\">26\u00a0064<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12720 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.12pt\"></span></span><span class=\"ps12719\">88\u00a0608<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12721 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.61pt\"></span></span><span class=\"ps9283\">1\u00a0057\u00a0626<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_262\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:12.64pt\">12<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps12724\" style=\"width:3.31pt\">.<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps12725\" style=\"width:2.55pt\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps12726\" style=\"width:427.3pt\">Analysis of financial assets and liabilities by category of financial instruments<span class=\"f ps2\"> </span></span></div><div class=\"ps72 ss8\"><div class=\"ss218 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:312pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:35.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps12490 ss1724\"><div><div class=\"ps11283 ss1723\"><span class=\"f charStyle-a26246ce ps12727\">At fair value through<span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1723\"><span class=\"f charStyle-a26246ce ps11119\"> profit or loss<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps12535 ss1632\"><div><div class=\"ps11287 ss114\"><span class=\"f charStyle-86fcaca6 ps12491\">At fair value <span class=\"f ps2\"> </span></span></div><div class=\"ps11288 ss114\"><span class=\"f charStyle-86fcaca6 ps12492\">through <span class=\"f ps2\"> </span></span></div><div class=\"ps11283 ss114\"><span class=\"f charStyle-86fcaca6 ps12493\">comprehensive <span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss114\"><span class=\"f charStyle-86fcaca6 ps12494\">income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:26.25pt\"><td style=\"padding:0\"><div class=\"ps11452 ss1725\"><div><div class=\"ps12728 ss1712\"><span class=\"f charStyle-a26246ce ps7\">At 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12730 ss1667\"><div><div class=\"ps8321 ss114\"><span class=\"f charStyle-8d4b9b37 ps12729\">Mandatory<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12732 ss1667\"><div><div class=\"ps8331 ss114\"><span class=\"f charStyle-6f1c08a8 ps12497\">Designated at <span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss114\"><span class=\"f charStyle-6f1c08a8 ps866\">initial <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss114\"><span class=\"f charStyle-6f1c08a8 ps12731\">recognition<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12735 ss1667\"><div><div class=\"ps8329 ss114\"><span class=\"f charStyle-8d4b9b37 ps11444\">Debt <span class=\"f ps2\"> </span></span></div><div class=\"ps8331 ss114\"><span class=\"f charStyle-8d4b9b37 ps12733\">instrument with <span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss114\"><span class=\"f charStyle-8d4b9b37 ps12734\">dual business <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss114\"><span class=\"f charStyle-8d4b9b37 ps12502\">model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps335 ss1726\"><div><div class=\"ps4014 ss1712\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps4084 ss1717\"><div><div class=\"ps997 ss1712\"><span class=\"f charStyle-b7f6e8e5 ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1597 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cash and balances at central banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11313 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12736 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12737 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3751 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11322 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12738 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12739 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3757 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Reverse repurchase agreements and cash collateral on securities borrowed<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11330 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12740 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12741 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3763 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12743 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.68pt\"></span></span><span class=\"ps12742\">259<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12744 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12745 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.63pt\"></span></span><span class=\"ps3525\">1\u00a0680\u00a0799<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12746 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Bank debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12747 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12748 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12749 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.82pt\"></span></span><span class=\"ps9436\">473\u00a0920<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12750 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12751 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.41pt\"></span></span><span class=\"ps9239\">41\u00a0909<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12752 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12753 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.21pt\"></span></span><span class=\"ps8424\">8\u00a0753<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12754 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12755 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.07pt\"></span></span><span class=\"ps9449\">354\u00a0121<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12756 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12757 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9812 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securities arising from trading activities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12758 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.3pt\"></span></span><span class=\"ps9455\">44\u00a0723<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12759 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12760 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12761 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12762 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.7pt\"></span></span><span class=\"ps12539\">808\u00a0998<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12763 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12765 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.78pt\"></span></span><span class=\"ps12764\">2\u00a0668\u00a0677<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12766 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fair value adjustment for asset portfolio hedged risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12767 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.14pt\"></span></span><span class=\"ps9466\">(20\u00a0507)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12768 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12769 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3341 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12770 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12771 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12772 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12773 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12774 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.57pt\"></span></span><span class=\"ps5649\">202\u00a0838<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12775 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12776 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11371 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interests in associated undertakings and joint venture holdings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11378 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12777 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12778 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12779 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Current taxation assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12780 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12781 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12782 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12783 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deferred taxation assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12784 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12785 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12786 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12787 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12789 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.12pt\"></span></span><span class=\"ps12788\">8\u00a0199<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12790 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12791 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12792 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Property and equipment<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12793 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12794 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12795 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12796 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Goodwill<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12797 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12798 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12799 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12800 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Software<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12801 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12802 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12803 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps12805 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.29pt\"></span></span><span class=\"ps12804\">1\u00a0440\u00a0540<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps12806 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.31pt\"></span></span><span class=\"ps12518\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps12808 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.96pt\"></span></span><span class=\"ps12807\">4\u00a0832\u00a0149<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8672 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-b7f6e8e5 ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12809 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deposits by banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12810 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12811 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12812 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12813 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12814 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.95pt\"></span></span><span class=\"ps9521\">419\u00a0205<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12815 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12816 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12817 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other trading liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12818 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.41pt\"></span></span><span class=\"ps9239\">19\u00a0409<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12819 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12820 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12821 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Repurchase agreements and cash collateral on securities lent<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12822 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12823 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12824 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12825 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Customer accounts (deposits)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12826 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12827 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12828 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12321 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fair value adjustment for liability portfolio hedged risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12829 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.91pt\"></span></span><span class=\"ps9536\">(10\u00a0395)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12830 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12831 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12324 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Debt securities in issue<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12832 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12833 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12834 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12835 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Current taxation liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12836 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12837 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12838 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12839 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12840 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12841 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12842 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps12843 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.99pt\"></span></span><span class=\"ps11746\">428\u00a0219<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps12844 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.31pt\"></span></span><span class=\"ps12518\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps12845 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.31pt\"></span></span><span class=\"ps12518\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9914 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Subordinated liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12846 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12847 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12848 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12849 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.99pt\"></span></span><span class=\"ps11746\">428\u00a0219<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12850 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.31pt\"></span></span><span class=\"ps12518\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12851 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.31pt\"></span></span><span class=\"ps12518\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps12862 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For more information on hedges, please refer to <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps12852\">note<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps12853\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps12854\">47<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps12855\"> on <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps12856\">pages</span><span class=\"f charStyle-33e1c6d6 ps12857\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-c4fc3a3f ps12858\"><a class=\"Hyperlink\" href=\"#iccba24ea0cd14a1fbe74568356c33a8e_385\" style=\"z-index:1\">141</a><span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps12859\"> to <span class=\"f ps2\"> </span></span><span class=\"f charStyle-c4fc3a3f ps12860\"><a class=\"Hyperlink\" href=\"#i1f51e261b00c41a8bf6869a3b29c9a60_1070\" style=\"z-index:1\">145</a></span><span class=\"f charStyle-33e1c6d6 ps12861\">.</span></div></div><div><div class=\"ps72 ss8\"><div class=\"ss1721 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:35.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps19 ss1632\"><div><div class=\"ps11287 ss114\"><span class=\"f charStyle-86fcaca6 ps12491\">At fair value <span class=\"f ps2\"> </span></span></div><div class=\"ps11288 ss114\"><span class=\"f charStyle-86fcaca6 ps12492\">through <span class=\"f ps2\"> </span></span></div><div class=\"ps11283 ss114\"><span class=\"f charStyle-86fcaca6 ps12493\">comprehensive <span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss114\"><span class=\"f charStyle-86fcaca6 ps12494\">income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td><td style=\"border-left:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:26.25pt\"><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11452 ss1667\"><div><div class=\"ps8325 ss114\"><span class=\"f charStyle-8d4b9b37 ps12864\">Equity <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss114\"><span class=\"f charStyle-8d4b9b37 ps12499\">instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12867 ss1621\"><div><div class=\"ps8331 ss296\"><span class=\"f charStyle-ef17fa27 ps11118\">Total<span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss296\"><span class=\"f charStyle-ef17fa27 ps12865\"> instruments at</span></div><div class=\"ps8321 ss296\"><span class=\"f charStyle-ef17fa27 ps12866\"> fair value<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12870 ss1621\"><div><div class=\"ps8325 ss296\"><span class=\"f charStyle-ef17fa27 ps12868\">Amortised<span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss296\"><span class=\"f charStyle-ef17fa27 ps12869\"> cost<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12874 ss1621\"><div><div class=\"ps8329 ss296\"><span class=\"f charStyle-ef17fa27 ps12871\">Non-financial<span class=\"f ps2\"> </span></span></div><div class=\"ps8331 ss296\"><span class=\"f charStyle-ef17fa27 ps12872\"> instruments or<span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss296\"><span class=\"f charStyle-ef17fa27 ps12873\"> scoped out<span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss296\"><span class=\"f charStyle-ef17fa27 ps11911\"> of IFRS 9<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12875 ss1667\"><div><div class=\"ps8321 ss114\"><span class=\"f charStyle-ef17fa27 ps11290\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1597 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12876 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12878 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.85pt\"></span></span><span class=\"ps12877\">3\u00a0173\u00a0756<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12879 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12880 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.85pt\"></span></span><span class=\"ps9416\">3\u00a0173\u00a0756<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3751 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12881 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12882 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.03pt\"></span></span><span class=\"ps11793\">801\u00a0104<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12883 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12884 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.03pt\"></span></span><span class=\"ps9420\">801\u00a0104<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3757 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12885 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12887 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.18pt\"></span></span><span class=\"ps12886\">1\u00a0884\u00a0699<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12888 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12889 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.18pt\"></span></span><span class=\"ps9426\">1\u00a0884\u00a0699<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3763 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12891 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.61pt\"></span></span><span class=\"ps12890\">1\u00a0681\u00a0058<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12893 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.31pt\"></span></span><span class=\"ps12892\">2\u00a0007\u00a0080<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12894 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12895 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.01pt\"></span></span><span class=\"ps9431\">3\u00a0688\u00a0138<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12746 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12897 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.82pt\"></span></span><span class=\"ps12896\">473\u00a0920<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12898 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12899 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12900 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.82pt\"></span></span><span class=\"ps9436\">473\u00a0920<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12750 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12901 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.41pt\"></span></span><span class=\"ps11873\">50\u00a0662<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12902 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.6pt\"></span></span><span class=\"ps3712\">1\u00a0067\u00a0089<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12903 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12904 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.82pt\"></span></span><span class=\"ps9443\">1\u00a0117\u00a0751<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12754 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12906 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.07pt\"></span></span><span class=\"ps12905\">354\u00a0121<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12907 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12908 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12909 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.07pt\"></span></span><span class=\"ps9449\">354\u00a0121<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9812 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12910 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.3pt\"></span></span><span class=\"ps11877\">44\u00a0723<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12911 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12912 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12913 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.3pt\"></span></span><span class=\"ps9455\">44\u00a0723<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12761 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12915 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.99pt\"></span></span><span class=\"ps12914\">3\u00a0477\u00a0675<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12917 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.94pt\"></span></span><span class=\"ps12916\">14\u00a0325\u00a0978<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12918 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12919 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.89pt\"></span></span><span class=\"ps4315\">17\u00a0803\u00a0653<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12766 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12921 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.14pt\"></span></span><span class=\"ps12920\">(20\u00a0507)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12922 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12923 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12924 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.14pt\"></span></span><span class=\"ps9466\">(20\u00a0507)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3341 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12925 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12927 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.83pt\"></span></span><span class=\"ps12926\">114\u00a0438<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12928 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12929 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.83pt\"></span></span><span class=\"ps9470\">114\u00a0438<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12773 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.21pt\"></span></span><span class=\"ps12930\">211\u00a0542<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12931 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.57pt\"></span></span><span class=\"ps11535\">414\u00a0380<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12932 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12933 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12934 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.57pt\"></span></span><span class=\"ps9475\">414\u00a0380<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11371 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12935 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12936 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12938 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.43pt\"></span></span><span class=\"ps12937\">851\u00a0867<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12939 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.43pt\"></span></span><span class=\"ps9480\">851\u00a0867<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12779 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12940 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12941 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12942 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.12pt\"></span></span><span class=\"ps11917\">80\u00a0309<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12943 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.12pt\"></span></span><span class=\"ps9482\">80\u00a0309<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12783 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12944 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12945 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12947 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.26pt\"></span></span><span class=\"ps12946\">72\u00a0671<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12948 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.26pt\"></span></span><span class=\"ps9487\">72\u00a0671<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12787 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12949 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.12pt\"></span></span><span class=\"ps11120\">8\u00a0199<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12950 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.84pt\"></span></span><span class=\"ps3977\">734\u00a0452<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12951 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.21pt\"></span></span><span class=\"ps2286\">164\u00a0547<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12952 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.3pt\"></span></span><span class=\"ps9492\">907\u00a0198<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12792 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12953 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12954 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12955 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.7pt\"></span></span><span class=\"ps11479\">149\u00a0630<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12956 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.7pt\"></span></span><span class=\"ps9498\">149\u00a0630<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12796 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12957 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12958 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12959 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.08pt\"></span></span><span class=\"ps6204\">75\u00a0700<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12960 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.08pt\"></span></span><span class=\"ps9503\">75\u00a0700<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12800 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12961 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12962 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12963 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.54pt\"></span></span><span class=\"ps8450\">12\u00a0458<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12964 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.54pt\"></span></span><span class=\"ps9508\">12\u00a0458<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps8670 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.39pt\"></span></span><span class=\"ps12965\">211\u00a0542<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps12966 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.96pt\"></span></span><span class=\"ps9670\">6\u00a0484\u00a0231<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps12968 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.04pt\"></span></span><span class=\"ps12967\">24\u00a0108\u00a0596<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps12970 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.64pt\"></span></span><span class=\"ps12969\">1\u00a0407\u00a0182<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps12971 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:2.94pt\"></span></span><span class=\"ps9512\">32\u00a0000\u00a0009<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12809 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12972 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12974 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.07pt\"></span></span><span class=\"ps12973\">902\u00a0678<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12975 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12976 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.07pt\"></span></span><span class=\"ps9422\">902\u00a0678<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12813 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12977 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.95pt\"></span></span><span class=\"ps12178\">419\u00a0205<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12978 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12979 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12980 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.95pt\"></span></span><span class=\"ps9521\">419\u00a0205<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12817 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12981 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.41pt\"></span></span><span class=\"ps12687\">19\u00a0409<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12982 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12983 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12984 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.41pt\"></span></span><span class=\"ps9239\">19\u00a0409<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12821 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12985 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12986 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.85pt\"></span></span><span class=\"ps12877\">1\u00a0065\u00a0587<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12987 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12988 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.85pt\"></span></span><span class=\"ps9416\">1\u00a0065\u00a0587<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12825 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12989 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12991 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.84pt\"></span></span><span class=\"ps12990\">22\u00a0467\u00a0743<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12992 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12993 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.84pt\"></span></span><span class=\"ps9532\">22\u00a0467\u00a0743<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12321 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12994 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.91pt\"></span></span><span class=\"ps9679\">(10\u00a0395)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12995 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12996 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12997 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.91pt\"></span></span><span class=\"ps9536\">(10\u00a0395)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12324 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12998 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12999 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.35pt\"></span></span><span class=\"ps9221\">1\u00a0413\u00a0031<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13000 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13001 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.35pt\"></span></span><span class=\"ps120\">1\u00a0413\u00a0031<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12835 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13002 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13003 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13004 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.78pt\"></span></span><span class=\"ps5673\">9\u00a0264<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13005 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.78pt\"></span></span><span class=\"ps9544\">9\u00a0264<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12839 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13006 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13007 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.63pt\"></span></span><span class=\"ps12171\">962\u00a0846<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13009 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.04pt\"></span></span><span class=\"ps13008\">315\u00a0831<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13010 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.36pt\"></span></span><span class=\"ps9550\">1\u00a0278\u00a0677<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13011 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.31pt\"></span></span><span class=\"ps12518\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13013 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.99pt\"></span></span><span class=\"ps13012\">428\u00a0219<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13015 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.66pt\"></span></span><span class=\"ps13014\">26\u00a0811\u00a0885<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13016 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.65pt\"></span></span><span class=\"ps11940\">325\u00a0095<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13017 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.99pt\"></span></span><span class=\"ps9554\">27\u00a0565\u00a0199<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9914 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13018 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13020 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.97pt\"></span></span><span class=\"ps13019\">697\u00a0632<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13021 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13022 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.97pt\"></span></span><span class=\"ps9560\">697\u00a0632<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13023 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.31pt\"></span></span><span class=\"ps12518\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13024 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.99pt\"></span></span><span class=\"ps13012\">428\u00a0219<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13026 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.27pt\"></span></span><span class=\"ps13025\">27\u00a0509\u00a0517<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13027 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.65pt\"></span></span><span class=\"ps11940\">325\u00a0095<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13028 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.73pt\"></span></span><span class=\"ps9564\">28\u00a0262\u00a0831<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div></div><div class=\"ps8704 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:313.5pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:60.75pt\"></td></tr><tr style=\"height:36pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps13033 ss1727\"><div><div class=\"ps8325 ss1723\"><span class=\"f charStyle-a26246ce ps12727\">At fair value through<span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss1723\"><span class=\"f charStyle-a26246ce ps11119\"> profit or loss<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps13037 ss1728\"><div><div class=\"ps8329 ss641\"><span class=\"f charStyle-86fcaca6 ps13034\">At fair value <span class=\"f ps2\"> </span></span></div><div class=\"ps8331 ss641\"><span class=\"f charStyle-86fcaca6 ps3712\">through <span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss641\"><span class=\"f charStyle-86fcaca6 ps13035\">comprehensive <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss641\"><span class=\"f charStyle-86fcaca6 ps13036\">income<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:26.25pt\"><td style=\"padding:0\"><div class=\"ps824 ss1730\"><div><div class=\"ps12728 ss1729\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">At </span><span class=\"f charStyle-ef17fa27 ps13038\">31 March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13040 ss1731\"><div><div class=\"ps13039 ss114\"><span class=\"f charStyle-8d4b9b37 ps12528\">Mandatory*<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13043 ss1731\"><div><div class=\"ps13041 ss114\"><span class=\"f charStyle-6f1c08a8 ps12497\">Designated at <span class=\"f ps2\"> </span></span></div><div class=\"ps13042 ss114\"><span class=\"f charStyle-6f1c08a8 ps866\">initial <span class=\"f ps2\"> </span></span></div><div class=\"ps13039 ss114\"><span class=\"f charStyle-6f1c08a8 ps12731\">recognition<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13045 ss1732\"><div><div class=\"ps13041 ss641\"><span class=\"f charStyle-8d4b9b37 ps6280\">Debt instrument <span class=\"f ps2\"> </span></span></div><div class=\"ps13042 ss641\"><span class=\"f charStyle-8d4b9b37 ps9381\">with dual <span class=\"f ps2\"> </span></span></div><div class=\"ps13039 ss641\"><span class=\"f charStyle-8d4b9b37 ps13044\">business model<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps4003 ss1733\"><div><div class=\"ps809 ss1729\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps4562 ss1734\"><div><div class=\"ps997 ss1729\"><span class=\"f charStyle-b7f6e8e5 ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13046 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cash and balances at central banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13047 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13048 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13050 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13051 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13052 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13053 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13054 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13055 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Reverse repurchase agreements and cash collateral on securities borrowed<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13056 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.41pt\"></span></span><span class=\"ps9239\">56\u00a0413<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13057 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13058 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13059 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13060 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13061 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13063 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.76pt\"></span></span><span class=\"ps13062\">1\u00a0335\u00a0652<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps130 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Bank debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13064 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13065 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13067 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.58pt\"></span></span><span class=\"ps13066\">324\u00a0179<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11521 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13068 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.42pt\"></span></span><span class=\"ps9257\">49\u00a0736<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13069 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13071 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.44pt\"></span></span><span class=\"ps13070\">8\u00a0777<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13072 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13073 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.98pt\"></span></span><span class=\"ps99\">299\u00a0281<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13074 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13075 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13076 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securities arising from trading activities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13077 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.1pt\"></span></span><span class=\"ps9457\">149\u00a0912<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13078 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13079 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11346 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13080 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.45pt\"></span></span><span class=\"ps11597\">571\u00a0929<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13081 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13083 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.46pt\"></span></span><span class=\"ps13082\">2\u00a0005\u00a0308<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11354 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13084 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13085 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13086 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9827 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13087 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.82pt\"></span></span><span class=\"ps9321\">213\u00a0260<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13088 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13089 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps6665 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interests in associated undertakings and joint venture holdings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13090 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13091 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13092 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13093 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Current taxation assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13094 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13095 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13096 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13097 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deferred taxation assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13098 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13099 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13100 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13101 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13103 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.5pt\"></span></span><span class=\"ps13102\">4\u00a0336<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13104 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13105 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13106 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Property and equipment<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13107 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13108 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13109 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2410 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Goodwill<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13110 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13111 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13112 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2414 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Software<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13113 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13114 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13115 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13117 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.22pt\"></span></span><span class=\"ps13116\">1\u00a0344\u00a0867<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13118 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.31pt\"></span></span><span class=\"ps12518\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13120 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.99pt\"></span></span><span class=\"ps13119\">3\u00a0673\u00a0916<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2422 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-b7f6e8e5 ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13121 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deposits by banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13122 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13123 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13124 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9866 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13125 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.57pt\"></span></span><span class=\"ps9523\">274\u00a0791<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13126 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13127 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13128 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other trading liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13129 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.44pt\"></span></span><span class=\"ps9527\">16\u00a0242<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13130 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13131 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13132 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Repurchase agreements and cash collateral on securities lent<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13133 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13134 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13135 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13136 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Customer accounts (deposits)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13137 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13138 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13139 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13140 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Debt securities in issue<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13141 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13142 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13143 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1388 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Current taxation liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13144 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13145 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13146 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13147 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13148 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13149 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13150 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13152 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.7pt\"></span></span><span class=\"ps13151\">291\u00a0033<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13153 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.31pt\"></span></span><span class=\"ps12518\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13155 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:46.81pt\"></span></span><span class=\"ps13154\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13156 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Subordinated liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13157 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13158 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13159 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13160 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.7pt\"></span></span><span class=\"ps13151\">291\u00a0033<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13161 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.31pt\"></span></span><span class=\"ps12518\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13162 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:46.81pt\"></span></span><span class=\"ps13154\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps13163 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Historically, the Group has split fair value through profit and loss assets and liabilities into trading and non-trading, as defined by regulatory rules for the trading book </span></span></div><div class=\"ps13164 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">and banking book requirements, respectively, other than derivatives, which were all classified as trading. Given recent changes in regulations and that within the </span></div><div class=\"ps13165 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">business, the Group no longer uses this disclosure, the columns have been combined. </span></div><div class=\"ps13167 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For more information on hedges, please refer to </span><span class=\"f charStyle-33e1c6d6 ps12852\">note</span><span class=\"f charStyle-33e1c6d6 ps12853\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps12854\">47</span><span class=\"f charStyle-33e1c6d6 ps12855\"> on </span><span class=\"f charStyle-33e1c6d6 ps12856\">pages</span><span class=\"f charStyle-33e1c6d6 ps12857\"> </span><span class=\"f charStyle-c4fc3a3f ps12858\"><a class=\"Hyperlink\" href=\"#iccba24ea0cd14a1fbe74568356c33a8e_385\" style=\"z-index:1\">141</a><span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps12859\"> to </span><span class=\"f charStyle-c4fc3a3f ps12860\"><a class=\"Hyperlink\" href=\"#i1f51e261b00c41a8bf6869a3b29c9a60_1070\" style=\"z-index:1\">145</a><span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps12861\">.</span></div><div class=\"ps8704 ss8\"><div class=\"ss1721 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:36pt\"><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps19 ss1667\"><div><div class=\"ps8329 ss114\"><span class=\"f charStyle-86fcaca6 ps12491\">At fair value <span class=\"f ps2\"> </span></span></div><div class=\"ps8331 ss114\"><span class=\"f charStyle-86fcaca6 ps12492\">through <span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss114\"><span class=\"f charStyle-86fcaca6 ps12493\">comprehensive <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss114\"><span class=\"f charStyle-86fcaca6 ps12494\">income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td><td style=\"border-left:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:26.25pt\"><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss1731\"><div><div class=\"ps13042 ss114\"><span class=\"f charStyle-8d4b9b37 ps12864\">Equity <span class=\"f ps2\"> </span></span></div><div class=\"ps13039 ss114\"><span class=\"f charStyle-8d4b9b37 ps12499\">instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12591 ss1736\"><div><div class=\"ps13041 ss296\"><span class=\"f charStyle-ef17fa27 ps11118\">Total<span class=\"f ps2\"> </span></span></div><div class=\"ps13042 ss296\"><span class=\"f charStyle-ef17fa27 ps12865\"> instruments at</span></div><div class=\"ps13039 ss296\"><span class=\"f charStyle-ef17fa27 ps12866\"> fair value<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12593 ss1736\"><div><div class=\"ps13042 ss296\"><span class=\"f charStyle-ef17fa27 ps12868\">Amortised<span class=\"f ps2\"> </span></span></div><div class=\"ps13039 ss296\"><span class=\"f charStyle-ef17fa27 ps12869\"> cost<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12596 ss1736\"><div><div class=\"ps13169 ss296\"><span class=\"f charStyle-ef17fa27 ps12871\">Non-financial<span class=\"f ps2\"> </span></span></div><div class=\"ps13041 ss296\"><span class=\"f charStyle-ef17fa27 ps12872\"> instruments or<span class=\"f ps2\"> </span></span></div><div class=\"ps13042 ss296\"><span class=\"f charStyle-ef17fa27 ps12873\"> scoped out<span class=\"f ps2\"> </span></span></div><div class=\"ps13039 ss296\"><span class=\"f charStyle-ef17fa27 ps11911\"> of IFRS 9<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12597 ss1731\"><div><div class=\"ps13039 ss114\"><span class=\"f charStyle-ef17fa27 ps11290\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13046 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13170 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13171 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.86pt\"></span></span><span class=\"ps4332\">4\u00a0191\u00a0750<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13172 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13173 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.86pt\"></span></span><span class=\"ps3514\">4\u00a0191\u00a0750<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13051 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13174 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13175 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.07pt\"></span></span><span class=\"ps12973\">860\u00a0267<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13176 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13177 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.07pt\"></span></span><span class=\"ps9422\">860\u00a0267<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13055 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13178 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.41pt\"></span></span><span class=\"ps12687\">56\u00a0413<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13180 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.27pt\"></span></span><span class=\"ps13179\">1\u00a0584\u00a0352<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13181 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13182 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.63pt\"></span></span><span class=\"ps3525\">1\u00a0640\u00a0765<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13059 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13183 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.26pt\"></span></span><span class=\"ps10531\">1\u00a0335\u00a0652<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13185 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.59pt\"></span></span><span class=\"ps13184\">1\u00a0189\u00a0050<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13186 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13187 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.4pt\"></span></span><span class=\"ps9433\">2\u00a0524\u00a0702<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps130 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13188 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.08pt\"></span></span><span class=\"ps5540\">324\u00a0179<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13189 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13190 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13191 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.08pt\"></span></span><span class=\"ps9438\">324\u00a0179<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11521 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13192 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.63pt\"></span></span><span class=\"ps12289\">58\u00a0513<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13193 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.31pt\"></span></span><span class=\"ps9242\">712\u00a0209<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13194 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13195 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.78pt\"></span></span><span class=\"ps9445\">770\u00a0722<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13072 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13197 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.98pt\"></span></span><span class=\"ps13196\">299\u00a0281<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13198 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13199 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13200 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.98pt\"></span></span><span class=\"ps99\">299\u00a0281<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13076 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13202 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.1pt\"></span></span><span class=\"ps13201\">149\u00a0912<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13203 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13204 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13205 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.1pt\"></span></span><span class=\"ps9457\">149\u00a0912<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11346 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13207 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.11pt\"></span></span><span class=\"ps13206\">2\u00a0577\u00a0237<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13209 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.36pt\"></span></span><span class=\"ps13208\">14\u00a0236\u00a0486<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13210 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13211 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.04pt\"></span></span><span class=\"ps9462\">16\u00a0813\u00a0723<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11354 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13212 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13213 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.08pt\"></span></span><span class=\"ps9503\">139\u00a0212<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13214 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13215 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.08pt\"></span></span><span class=\"ps9472\">139\u00a0212<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9827 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.42pt\"></span></span><span class=\"ps13216\">134\u00a0330<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13217 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.93pt\"></span></span><span class=\"ps9424\">347\u00a0590<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13218 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13219 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13220 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.93pt\"></span></span><span class=\"ps9477\">347\u00a0590<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps6665 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13221 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13222 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13223 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.95pt\"></span></span><span class=\"ps11210\">832\u00a0141<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13224 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.95pt\"></span></span><span class=\"ps9276\">832\u00a0141<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13093 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13225 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13226 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13228 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.29pt\"></span></span><span class=\"ps13227\">25\u00a0382<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13229 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.29pt\"></span></span><span class=\"ps9484\">25\u00a0382<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps13097 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13230 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13231 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13233 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.18pt\"></span></span><span class=\"ps13232\">120\u00a0918<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13234 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.18pt\"></span></span><span class=\"ps9489\">120\u00a0918<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13101 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13236 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.5pt\"></span></span><span class=\"ps13235\">4\u00a0336<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13237 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.6pt\"></span></span><span class=\"ps12205\">349\u00a0568<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13239 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.61pt\"></span></span><span class=\"ps13238\">298\u00a0239<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13240 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.84pt\"></span></span><span class=\"ps9494\">652\u00a0143<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13106 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13241 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13242 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13243 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.28pt\"></span></span><span class=\"ps11268\">58\u00a0940<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13244 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.28pt\"></span></span><span class=\"ps9500\">58\u00a0940<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2410 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13245 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13246 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13247 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.76pt\"></span></span><span class=\"ps11785\">67\u00a0520<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13248 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.76pt\"></span></span><span class=\"ps7142\">67\u00a0520<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2414 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13249 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13250 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13251 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.01pt\"></span></span><span class=\"ps8351\">4\u00a0742<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13252 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.01pt\"></span></span><span class=\"ps9510\">4\u00a0742<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps2418 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.35pt\"></span></span><span class=\"ps13253\">134\u00a0330<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13255 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.8pt\"></span></span><span class=\"ps13254\">5\u00a0153\u00a0113<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13257 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.32pt\"></span></span><span class=\"ps13256\">23\u00a0262\u00a0894<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13258 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.36pt\"></span></span><span class=\"ps9550\">1\u00a0407\u00a0882<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13259 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:4.22pt\"></span></span><span class=\"ps9514\">29\u00a0823\u00a0889<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13121 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13260 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13261 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16pt\"></span></span><span class=\"ps339\">1\u00a0477\u00a0568<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13262 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13263 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13pt\"></span></span><span class=\"ps5507\">1\u00a0477\u00a0568<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9866 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13264 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.57pt\"></span></span><span class=\"ps11388\">274\u00a0791<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13265 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13266 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13267 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.57pt\"></span></span><span class=\"ps9523\">274\u00a0791<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13128 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13269 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.44pt\"></span></span><span class=\"ps13268\">16\u00a0242<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13270 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13271 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13272 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.44pt\"></span></span><span class=\"ps9527\">16\u00a0242<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13132 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13273 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13274 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.3pt\"></span></span><span class=\"ps9455\">178\u00a0202<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13275 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13276 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.3pt\"></span></span><span class=\"ps9492\">178\u00a0202<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13136 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13277 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13279 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.06pt\"></span></span><span class=\"ps13278\">21\u00a0455\u00a0855<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13280 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13281 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.06pt\"></span></span><span class=\"ps9534\">21\u00a0455\u00a0855<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13140 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13282 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13284 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.34pt\"></span></span><span class=\"ps13283\">1\u00a0301\u00a0802<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13285 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13286 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.34pt\"></span></span><span class=\"ps9541\">1\u00a0301\u00a0802<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1388 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps1389 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13287 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13288 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.73pt\"></span></span><span class=\"ps11918\">9\u00a0023<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13289 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.73pt\"></span></span><span class=\"ps9546\">9\u00a0023<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13147 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13290 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13292 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.32pt\"></span></span><span class=\"ps13291\">548\u00a0617<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13294 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.33pt\"></span></span><span class=\"ps13293\">390\u00a0342<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13295 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.72pt\"></span></span><span class=\"ps9552\">938\u00a0959<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13296 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.31pt\"></span></span><span class=\"ps12518\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13297 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.7pt\"></span></span><span class=\"ps8347\">291\u00a0033<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13298 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.61pt\"></span></span><span class=\"ps12734\">24\u00a0962\u00a0044<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13300 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.52pt\"></span></span><span class=\"ps13299\">399\u00a0365<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13301 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:4.42pt\"></span></span><span class=\"ps9556\">25\u00a0652\u00a0442<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13156 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13302 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13304 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.97pt\"></span></span><span class=\"ps13303\">682\u00a0218<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13305 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13306 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.97pt\"></span></span><span class=\"ps9562\">682\u00a0218<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13307 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.31pt\"></span></span><span class=\"ps12518\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13308 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.7pt\"></span></span><span class=\"ps8347\">291\u00a0033<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13309 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.3pt\"></span></span><span class=\"ps764\">25\u00a0644\u00a0262<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13310 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.52pt\"></span></span><span class=\"ps13299\">399\u00a0365<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13311 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:3.66pt\"></span></span><span class=\"ps9566\">26\u00a0334\u00a0660<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_265\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">13<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps13314\">.<span class=\"f ps2\"> </span><span id=\"ibffbad9e27df4a1cb2c3782704227d4a_7023\"></span></span><span class=\"f charStyle-f6a3ab10 ps13315\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps13316\">Fair value hierarchy<span class=\"f ps2\"> </span></span></div><div class=\"ps979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The table below analyses recurring fair value measurements for financial assets and financial liabilities. These fair value <span class=\"f ps2\"> </span></span></div><div class=\"ps980 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">measurements are categorised into different levels in the fair value hierarchy based on the inputs to the valuation technique used. <span class=\"f ps2\"> </span></span></div><div class=\"ps981 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The different levels are identified as follows:<span class=\"f ps2\"> </span></span></div><div class=\"ps4871 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">Level 1</span><span class=\"f charStyle-33e1c6d6 ps13317\"> \u2013 quoted (unadjusted) prices in active markets for identical assets or liabilities.<span class=\"f ps2\"> </span></span></div><div class=\"ps8136 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">Level 2<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps13318\"> \u2013 inputs other than quoted prices included within level 1 that are observable for the asset or liability, either directly</span></div><div class=\"ps4873 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6\"><span class=\"ps699\"><span style=\"display:inline-block;height:7.75pt;width:36.08pt\"></span></span><span class=\"ps6985\">(i.e. as prices) or indirectly (i.e. derived from prices).</span></span></div><div class=\"ps8840 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">Level 3</span><span class=\"f charStyle-33e1c6d6 ps13319\"> \u2013 inputs for the asset or liability that are not based on observable market data (unobservable inputs).</span></div><div class=\"ps13401 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:261.75pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps13321 ss1738\"><div><div class=\"ps809 ss1737\"><span class=\"f charStyle-a26246ce ps13320\">Fair value category<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"padding:0\"><div class=\"ps816 ss1740\"><div><div class=\"ps13322 ss1739\"><span class=\"f charStyle-a26246ce ps7\">At 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13325 ss1741\"><div><div class=\"ps989 ss114\"><span class=\"f charStyle-a26246ce ps11290\">Total<span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss114\"><span class=\"f charStyle-a26246ce ps13323\"> instruments at<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss114\"><span class=\"f charStyle-a26246ce ps13324\"> fair value<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11854 ss297\"><div><div class=\"ps983 ss296\"><span class=\"f charStyle-6f1c08a8 ps13326\">Level 1<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11855 ss297\"><div><div class=\"ps983 ss296\"><span class=\"f charStyle-6f1c08a8 ps13327\">Level 2<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13329 ss1741\"><div><div class=\"ps983 ss114\"><span class=\"f charStyle-6f1c08a8 ps13328\">Level 3<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2482 ss1742\"><div><div class=\"ps4014 ss1739\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3588 ss1743\"><div><div class=\"ps997 ss1739\"><span class=\"f charStyle-b7f6e8e5 ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1006 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13330 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.61pt\"></span></span><span class=\"ps7428\">1\u00a0681\u00a0058<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13331 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.61pt\"></span></span><span class=\"ps12890\">1\u00a0681\u00a0058<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13332 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps1009 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1010 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Bank debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13333 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.82pt\"></span></span><span class=\"ps9436\">473\u00a0920<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13334 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.82pt\"></span></span><span class=\"ps12896\">473\u00a0920<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13335 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps1013 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1014 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13336 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.41pt\"></span></span><span class=\"ps8328\">50\u00a0662<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13337 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.21pt\"></span></span><span class=\"ps4570\">8\u00a0753<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13339 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.75pt\"></span></span><span class=\"ps13338\">3\u00a0945<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps1017 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.42pt\"></span></span><span class=\"ps9257\">37\u00a0964<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1018 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13340 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.07pt\"></span></span><span class=\"ps9449\">354\u00a0121<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13341 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13343 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.31pt\"></span></span><span class=\"ps13342\">352\u00a0747<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps1021 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.22pt\"></span></span><span class=\"ps11592\">1\u00a0374<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1022 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securities arising from trading activities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13344 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.3pt\"></span></span><span class=\"ps9455\">44\u00a0723<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13345 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.3pt\"></span></span><span class=\"ps11877\">44\u00a0723<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13346 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps1025 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12075 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13348 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.99pt\"></span></span><span class=\"ps13347\">3\u00a0477\u00a0675<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13349 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13351 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.06pt\"></span></span><span class=\"ps13350\">34\u00a0682<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13353 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.57pt\"></span></span><span class=\"ps13352\">3\u00a0442\u00a0993<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps341 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fair value adjustment for asset portfolio hedged risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13354 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.14pt\"></span></span><span class=\"ps9466\">(20\u00a0507)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13355 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.14pt\"></span></span><span class=\"ps12920\">(20\u00a0507)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11712 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13356 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.57pt\"></span></span><span class=\"ps9475\">414\u00a0380<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13357 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.32pt\"></span></span><span class=\"ps9255\">211\u00a0545<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13358 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.75pt\"></span></span><span class=\"ps891\">730<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13359 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.04pt\"></span></span><span class=\"ps11834\">202\u00a0105<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps49 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13360 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.12pt\"></span></span><span class=\"ps12788\">8\u00a0199<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13362 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.1pt\"></span></span><span class=\"ps13361\">3\u00a0782<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13363 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13364 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.24pt\"></span></span><span class=\"ps9304\">4\u00a0417<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13365 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.96pt\"></span></span><span class=\"ps12807\">6\u00a0484\u00a0231<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13367 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.81pt\"></span></span><span class=\"ps13366\">2\u00a0423\u00a0781<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13369 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.77pt\"></span></span><span class=\"ps13368\">371\u00a0597<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13371 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.84pt\"></span></span><span class=\"ps13370\">3\u00a0688\u00a0853<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3338 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-b7f6e8e5 ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13372 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13373 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.95pt\"></span></span><span class=\"ps9521\">419\u00a0205<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13374 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13375 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.44pt\"></span></span><span class=\"ps9527\">418\u00a0671<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13377 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.42pt\"></span></span><span class=\"ps13376\">534<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13378 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other trading liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13379 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.41pt\"></span></span><span class=\"ps9239\">19\u00a0409<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13380 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.41pt\"></span></span><span class=\"ps12687\">19\u00a0409<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13381 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13382 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13383 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fair value adjustment for liability portfolio hedged risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13384 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.91pt\"></span></span><span class=\"ps9536\">(10\u00a0395)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13385 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13386 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.91pt\"></span></span><span class=\"ps9679\">(10\u00a0395)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13387 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13388 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.99pt\"></span></span><span class=\"ps11746\">428\u00a0219<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13389 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.27pt\"></span></span><span class=\"ps11901\">19\u00a0409<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13390 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.76pt\"></span></span><span class=\"ps12005\">408\u00a0276<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13392 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.96pt\"></span></span><span class=\"ps13391\">534<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13393 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net assets at fair value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13395 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.91pt\"></span></span><span class=\"ps13394\">6\u00a0056\u00a0012<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13397 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.19pt\"></span></span><span class=\"ps13396\">2\u00a0404\u00a0372<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13398 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.77pt\"></span></span><span class=\"ps13368\">(36\u00a0679)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13400 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10pt\"></span></span><span class=\"ps13399\">3\u00a0688\u00a0319<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps13402 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Loans and advances to customers at fair value include instruments where the business model is either to sell the loan or where the business model is to hold to collect </span></span></div><div class=\"ps13403 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">the contractual cash flows but the loan has failed the SPPI test.</span></div><div class=\"ps13404 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Transfers between level 1 and level 2</span></div><div class=\"ps13405 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">During the current year there were no transfers between level 1 and level 2.</span></div></div><div class=\"ps11275 ss8\"><div class=\"ss218 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:255.75pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps13408 ss1738\"><div><div class=\"ps809 ss1737\"><span class=\"f charStyle-a26246ce ps13320\">Fair value category<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"padding:0\"><div class=\"ps816 ss1745\"><div><div class=\"ps13322 ss29\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">At </span><span class=\"f charStyle-ef17fa27 ps13038\">31 March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12367 ss1741\"><div><div class=\"ps989 ss114\"><span class=\"f charStyle-a26246ce ps11290\">Total<span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss114\"><span class=\"f charStyle-a26246ce ps13323\"> instruments at<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss114\"><span class=\"f charStyle-a26246ce ps13324\"> fair value<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11109 ss297\"><div><div class=\"ps983 ss296\"><span class=\"f charStyle-6f1c08a8 ps13326\">Level 1<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11111 ss297\"><div><div class=\"ps983 ss296\"><span class=\"f charStyle-6f1c08a8 ps13327\">Level 2<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13409 ss1741\"><div><div class=\"ps983 ss114\"><span class=\"f charStyle-6f1c08a8 ps13328\">Level 3<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2482 ss1746\"><div><div class=\"ps4014 ss29\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3588 ss1698\"><div><div class=\"ps997 ss29\"><span class=\"f charStyle-b7f6e8e5 ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps1006 ss33\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Reverse repurchase agreements and cash collateral on securities <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">borrowed<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13410 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.41pt\"></span></span><span class=\"ps9239\">56\u00a0413<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13411 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13412 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.41pt\"></span></span><span class=\"ps12687\">56\u00a0413<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps4799 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3844 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13413 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.26pt\"></span></span><span class=\"ps9201\">1\u00a0335\u00a0652<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13414 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.26pt\"></span></span><span class=\"ps10531\">1\u00a0335\u00a0652<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13415 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13416 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13417 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Bank debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13418 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.08pt\"></span></span><span class=\"ps9438\">324\u00a0179<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13419 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.08pt\"></span></span><span class=\"ps5540\">324\u00a0179<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13420 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13421 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4807 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13423 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.63pt\"></span></span><span class=\"ps13422\">58\u00a0513<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13424 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.94pt\"></span></span><span class=\"ps12297\">8\u00a0777<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13426 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.95pt\"></span></span><span class=\"ps13425\">2\u00a0050<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps4811 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.55pt\"></span></span><span class=\"ps12673\">47\u00a0686<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3328 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps10020 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.98pt\"></span></span><span class=\"ps99\">299\u00a0281<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13427 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13428 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.76pt\"></span></span><span class=\"ps9988\">292\u00a0929<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps4815 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.87pt\"></span></span><span class=\"ps13429\">6\u00a0352<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1026 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securities arising from trading activities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13430 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.1pt\"></span></span><span class=\"ps9457\">149\u00a0912<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13431 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.1pt\"></span></span><span class=\"ps13201\">149\u00a0912<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13432 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13433 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1027 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13435 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.11pt\"></span></span><span class=\"ps13434\">2\u00a0577\u00a0237<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13436 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13437 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.29pt\"></span></span><span class=\"ps13227\">45\u00a0099<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13439 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.14pt\"></span></span><span class=\"ps13438\">2\u00a0532\u00a0138<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1031 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13440 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.93pt\"></span></span><span class=\"ps9477\">347\u00a0590<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13441 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.84pt\"></span></span><span class=\"ps11716\">135\u00a0264<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13443 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.57pt\"></span></span><span class=\"ps13442\">962<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13445 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.96pt\"></span></span><span class=\"ps13444\">211\u00a0364<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1035 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13446 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.5pt\"></span></span><span class=\"ps13102\">4\u00a0336<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13447 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.5pt\"></span></span><span class=\"ps13235\">4\u00a0336<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13448 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13449 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13451 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.8pt\"></span></span><span class=\"ps13450\">5\u00a0153\u00a0113<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13452 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.4pt\"></span></span><span class=\"ps11483\">1\u00a0958\u00a0120<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13454 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.88pt\"></span></span><span class=\"ps13453\">397\u00a0453<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13456 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.69pt\"></span></span><span class=\"ps13455\">2\u00a0797\u00a0540<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1042 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-b7f6e8e5 ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1046 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13457 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.57pt\"></span></span><span class=\"ps9523\">274\u00a0791<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13458 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13459 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.85pt\"></span></span><span class=\"ps12203\">273\u00a0964<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13461 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.91pt\"></span></span><span class=\"ps13460\">827<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1050 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other trading liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13462 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.44pt\"></span></span><span class=\"ps9527\">16\u00a0242<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13463 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.44pt\"></span></span><span class=\"ps13268\">16\u00a0242<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13464 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13465 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13466 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.7pt\"></span></span><span class=\"ps13151\">291\u00a0033<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13468 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.94pt\"></span></span><span class=\"ps13467\">16\u00a0242<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13469 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.98pt\"></span></span><span class=\"ps99\">273\u00a0964<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13471 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.68pt\"></span></span><span class=\"ps13470\">827<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps1058 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net assets at fair value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13473 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.38pt\"></span></span><span class=\"ps13472\">4\u00a0862\u00a0080<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13475 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.62pt\"></span></span><span class=\"ps13474\">1\u00a0941\u00a0878<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13477 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.77pt\"></span></span><span class=\"ps13476\">123\u00a0489<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13479 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.2pt\"></span></span><span class=\"ps13478\">2\u00a0796\u00a0713<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps13480 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Loans and advances to customers at fair value include instruments where the business model is either to sell the loan or where the business model is to hold to collect </span></span></div><div class=\"ps13481 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">the contractual cash flows but the loan has failed the SPPI test.</span></div><div class=\"ps13483 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Transfers between level 1 and level 2</span></div><div class=\"ps13484 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">During the prior year there were no transfers between level 1 and level 2.</span></div><div class=\"ps5918 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-b9f48ea1 ps23\" style=\"width:90.81pt\">Level 3 instruments</span></div><div class=\"ps5919 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The following table is a reconciliation of the opening balances to the closing balances for the fair value measurements in level 3 of </span></div><div class=\"ps5920 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the fair value hierarchy:</span></div><div class=\"ps13675 ss8\"><div class=\"ss1764 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:239.25pt\"></td><td style=\"padding:0;width:48pt\"></td><td style=\"padding:0;width:48pt\"></td><td style=\"padding:0;width:48pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:59.25pt\"></td></tr><tr style=\"height:18pt\"><td style=\"padding:0\"><div class=\"ps19 ss1748\"><div><div class=\"ps13322 ss1747\"><span class=\"f charStyle-a26246ce ps7\">For the year to<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3272 ss1749\"><div><div class=\"ps985 ss936\"><span class=\"f charStyle-6f1c08a8 ps13486\">Investment<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss936\"><span class=\"f charStyle-6f1c08a8 ps13487\"> portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13490 ss1749\"><div><div class=\"ps989 ss936\"><span class=\"f charStyle-6f1c08a8 ps13488\">Loans and<span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss936\"><span class=\"f charStyle-6f1c08a8 ps11634\"> advances to<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss936\"><span class=\"f charStyle-6f1c08a8 ps13489\"> customers<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13494 ss1749\"><div><div class=\"ps989 ss936\"><span class=\"f charStyle-6f1c08a8 ps13491\">Other <span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss936\"><span class=\"f charStyle-6f1c08a8 ps13492\">securitised</span></div><div class=\"ps983 ss936\"><span class=\"f charStyle-6f1c08a8 ps13493\"> assets<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13497 ss1751\"><div><div class=\"ps985 ss1750\"><span class=\"f charStyle-6f1c08a8 ps13495\">Other balance<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss1750\"><span class=\"f charStyle-6f1c08a8 ps9654\"> sheet assets<span class=\"f ps2\"> </span></span><span class=\"f charStyle-74272f2c ps13496\"><span class=\"f ps2\"> </span><sup>1</sup></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13498 ss1752\"><div><div class=\"ps4014 ss1747\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13500 ss1754\"><div><div class=\"ps4014 ss1753\"><span class=\"f charStyle-ef17fa27 ps13499\">Total<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps998 ss1756\"><div><div class=\"ps997 ss1755\"><span class=\"f charStyle-b7f6e8e5 ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1002 ss1757\"><div><div class=\"ps815 ss1747\" style=\"font-size:12pt\"><span class=\"f charStyle-13225c7c ps7\">Balance as at 1 April </span><span class=\"f charStyle-13225c7c ps13501\">2024<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13502 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.71pt\"></span></span><span class=\"ps12125\">244\u00a0975<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13504 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:4.76pt\"></span></span><span class=\"ps13503\">2\u00a0042\u00a0150<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13505 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.59pt\"></span></span><span class=\"ps5377\">66\u00a0702<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13507 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.26pt\"></span></span><span class=\"ps13506\">70\u00a0184<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13509 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.25pt\"></span></span><span class=\"ps13508\">2\u00a0424\u00a0011<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1006 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Net gains/(losses) in the income statement^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13511 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.4pt\"></span></span><span class=\"ps13510\">23\u00a0975<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13513 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.58pt\"></span></span><span class=\"ps13512\">209\u00a0554<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13514 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.55pt\"></span></span><span class=\"ps8478\">724<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13516 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.49pt\"></span></span><span class=\"ps13515\">2\u00a0132<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13518 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.58pt\"></span></span><span class=\"ps13517\">236\u00a0385<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps1010 ss1760\"><div><div class=\"ps9695 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Interest income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13519 ss1761\"><div><div class=\"ps9695 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13521 ss1761\"><div><div class=\"ps9695 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.03pt\"></span></span><span class=\"ps13520\">210\u00a0079<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13522 ss1761\"><div><div class=\"ps9695 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13524 ss1762\"><div><div class=\"ps9695 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.58pt\"></span></span><span class=\"ps13523\">3\u00a0357<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13525 ss1763\"><div><div class=\"ps9695 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.59pt\"></span></span><span class=\"ps11443\">213\u00a0436<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps3527 ss1760\"><div><div class=\"ps9695 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Investment income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps13526 ss1761\"><div><div class=\"ps9695 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.4pt\"></span></span><span class=\"ps13510\">23\u00a0975<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13528 ss1761\"><div><div class=\"ps9695 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.95pt\"></span></span><span class=\"ps13527\">(525)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13529 ss1761\"><div><div class=\"ps9695 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.55pt\"></span></span><span class=\"ps8478\">724<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13530 ss1762\"><div><div class=\"ps9695 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.68pt\"></span></span><span class=\"ps5563\">(531)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps13532 ss1763\"><div><div class=\"ps9695 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.93pt\"></span></span><span class=\"ps13531\">23\u00a0643<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9440 ss1760\"><div><div class=\"ps9695 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Trading income/(loss) arising from customer flow<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13533 ss1761\"><div><div class=\"ps9695 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13534 ss1761\"><div><div class=\"ps9695 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13535 ss1761\"><div><div class=\"ps9695 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13536 ss1762\"><div><div class=\"ps9695 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.36pt\"></span></span><span class=\"ps10360\">(694)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps13537 ss1763\"><div><div class=\"ps9695 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.86pt\"></span></span><span class=\"ps835\">(694)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2511 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Gains or (losses) in the statement of comprehensive income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13538 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13539 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.76pt\"></span></span><span class=\"ps9988\">19\u00a0118<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13540 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13542 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13544 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.01pt\"></span></span><span class=\"ps13543\">19\u00a0118<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4281 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Purchases<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13546 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.13pt\"></span></span><span class=\"ps13545\">20\u00a0506<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13548 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.22pt\"></span></span><span class=\"ps13547\">3\u00a0201\u00a0706<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13549 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13550 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.73pt\"></span></span><span class=\"ps9685\">5\u00a0478<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13551 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.27pt\"></span></span><span class=\"ps4137\">3\u00a0227\u00a0690<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4288 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sales<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13553 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.4pt\"></span></span><span class=\"ps13552\">(9\u00a0876)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13555 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.57pt\"></span></span><span class=\"ps13554\">(1\u00a0166\u00a0693)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13556 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13558 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.59pt\"></span></span><span class=\"ps13557\">(421)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13560 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.28pt\"></span></span><span class=\"ps13559\">(1\u00a0176\u00a0990)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4294 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Transfer to associated undertakings and joint venture holdings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13562 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.46pt\"></span></span><span class=\"ps13561\">(34\u00a0497)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13563 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13564 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13565 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13566 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.71pt\"></span></span><span class=\"ps10089\">(34\u00a0497)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4301 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Settlements<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13567 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.01pt\"></span></span><span class=\"ps12727\">(30\u00a0111)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13568 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:4.95pt\"></span></span><span class=\"ps4910\">(1\u00a0730\u00a0700)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13569 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.76pt\"></span></span><span class=\"ps12005\">(8\u00a0403)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13570 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.3pt\"></span></span><span class=\"ps4026\">(16\u00a0306)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13572 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.26pt\"></span></span><span class=\"ps13571\">(1\u00a0785\u00a0520)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4307 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deconsolidated of subsidiaries<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13573 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13574 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13575 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.43pt\"></span></span><span class=\"ps12096\">(59\u00a0023)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13576 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.03pt\"></span></span><span class=\"ps9690\">(1\u00a0998)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13578 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.17pt\"></span></span><span class=\"ps13577\">(61\u00a0021)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4313 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Transfers out of level 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13579 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13580 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.39pt\"></span></span><span class=\"ps8435\">(1\u00a0825)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13581 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13582 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13583 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.64pt\"></span></span><span class=\"ps11110\">(1\u00a0825)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4319 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Foreign exchange adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13584 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.88pt\"></span></span><span class=\"ps13453\">(3\u00a0608)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13585 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.18pt\"></span></span><span class=\"ps2227\">(41\u00a0172)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13586 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13587 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.98pt\"></span></span><span class=\"ps1628\">(5\u00a0031)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13589 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.07pt\"></span></span><span class=\"ps13588\">(49\u00a0811)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps4325 ss1757\"><div><div class=\"ps815 ss1747\" style=\"font-size:12pt\"><span class=\"f charStyle-13225c7c ps7\">Balance as at </span><span class=\"f charStyle-13225c7c ps13590\">31 March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13591 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.8pt\"></span></span><span class=\"ps13450\">211\u00a0364<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13593 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.33pt\"></span></span><span class=\"ps13592\">2\u00a0532\u00a0138<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13594 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.06pt\"></span></span><span class=\"ps8484\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13596 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.62pt\"></span></span><span class=\"ps13595\">54\u00a0038<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13597 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.69pt\"></span></span><span class=\"ps10041\">2\u00a0797\u00a0540<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:3pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9700 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Net gains/(losses) in the income statement^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13598 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.28pt\"></span></span><span class=\"ps12406\">10\u00a0926<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13599 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.61pt\"></span></span><span class=\"ps7428\">228\u00a0416<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13600 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13601 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.91pt\"></span></span><span class=\"ps4543\">(570)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13603 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.31pt\"></span></span><span class=\"ps13602\">238\u00a0772<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9704 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Interest income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13604 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13606 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.59pt\"></span></span><span class=\"ps13605\">234\u00a0915<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13607 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13609 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.6pt\"></span></span><span class=\"ps13608\">3\u00a0978<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13610 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.46pt\"></span></span><span class=\"ps3969\">238\u00a0893<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9708 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Investment income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps13611 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.28pt\"></span></span><span class=\"ps12406\">10\u00a0926<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13613 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.94pt\"></span></span><span class=\"ps13612\">(6\u00a0499)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13614 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13616 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.22pt\"></span></span><span class=\"ps13615\">(3\u00a0071)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps13618 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.1pt\"></span></span><span class=\"ps13617\">1\u00a0356<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9712 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Trading income/(loss) arising from customer flow<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13619 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13620 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13621 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13623 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.62pt\"></span></span><span class=\"ps13622\">(1\u00a0477)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps13624 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.12pt\"></span></span><span class=\"ps882\">(1\u00a0477)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4715 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Gains or (losses) in the statement of comprehensive income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13625 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13627 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.1pt\"></span></span><span class=\"ps13626\">(7\u00a0715)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13628 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13629 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13631 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.35pt\"></span></span><span class=\"ps13630\">(7\u00a0715)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9720 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Purchases and originations<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13632 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.71pt\"></span></span><span class=\"ps9402\">7\u00a0043<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13634 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.28pt\"></span></span><span class=\"ps13633\">4\u00a0574\u00a0655<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13635 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13637 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.54pt\"></span></span><span class=\"ps13636\">35\u00a0643<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13639 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.52pt\"></span></span><span class=\"ps13638\">4\u00a0617\u00a0341<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9725 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sales<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13641 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.57pt\"></span></span><span class=\"ps13640\">(14\u00a0029)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13642 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.93pt\"></span></span><span class=\"ps9718\">(1\u00a0116\u00a0954)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13643 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13645 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.41pt\"></span></span><span class=\"ps13644\">(21\u00a0002)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13647 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.4pt\"></span></span><span class=\"ps13646\">(1\u00a0151\u00a0985)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9730 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Settlements<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13648 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.79pt\"></span></span><span class=\"ps10450\">(4\u00a0328)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13649 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:4.41pt\"></span></span><span class=\"ps5463\">(2\u00a0801\u00a0536)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13650 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13652 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.2pt\"></span></span><span class=\"ps13651\">(20\u00a0899)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13653 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.7pt\"></span></span><span class=\"ps7321\">(2\u00a0826\u00a0763)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1382 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Transfers out of level 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13655 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.89pt\"></span></span><span class=\"ps13654\">(9\u00a0335)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13656 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13657 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13658 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13659 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.14pt\"></span></span><span class=\"ps11661\">(9\u00a0335)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9733 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Foreign exchange adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13661 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.08pt\"></span></span><span class=\"ps13660\">464<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13662 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.79pt\"></span></span><span class=\"ps10301\">33\u00a0989<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13663 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13664 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.77pt\"></span></span><span class=\"ps13476\">(3\u00a0455)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13666 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.15pt\"></span></span><span class=\"ps13665\">30\u00a0998<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps9737 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-b7f6e8e5 ps7\">Balance as at 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13668 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.57pt\"></span></span><span class=\"ps13667\">202\u00a0105<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13670 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:3.44pt\"></span></span><span class=\"ps13669\">3\u00a0442\u00a0993<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13671 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.06pt\"></span></span><span class=\"ps8484\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13672 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.44pt\"></span></span><span class=\"ps11594\">43\u00a0755<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13674 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.84pt\"></span></span><span class=\"ps13673\">3\u00a0688\u00a0853<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps13677 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps23\">1</span><span class=\"f charStyle-207fba8f\"><span class=\"ps13676\">.<span style=\"display:inline-block;height:5.81pt;width:9.9pt\"></span></span><span class=\"ps968\">Comprises of other debt securities, derivative financial instruments and securities arising from trading.</span></span></div><div class=\"ps13678 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">The line \u2018net gains/(losses) recognised in the income statement\u2019 has been disaggregated in the current year, with comparatives re-presented accordingly. </span></span></div><div class=\"ps13680 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group transfers between levels within the fair value hierarchy when the observability of inputs change, or if the valuation </span></div><div class=\"ps13681 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps699\">methods change. Transfers are deemed to occur at the end of each semi-annual reporting period.</span></div><div class=\"ps13682 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">During the year ended 31 March 2026, investment portfolio assets of \u00a39.3 million (31 March 2025: \u00a30 million) were transferred from </span></div><div class=\"ps13683 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Level 3 to Level 2 due to the use of broker\u2011observable valuation inputs. In the prior year, loans and advances to customers of </span></div><div class=\"ps13684 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u00a31.8\u00a0million were transferred from Level 3 to Level 2, due to the valuation methodologies being reviewed and broker inputs being </span></div><div class=\"ps13685 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">used to determine the fair value.</span></div><div class=\"ps72 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td></tr><tr style=\"height:18pt\"><td style=\"padding:0\"><div class=\"ps19 ss1766\"><div><div class=\"ps13322 ss1765\"><span class=\"f charStyle-a26246ce ps7\">For the year to<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12405 ss1768\"><div><div class=\"ps989 ss1767\"><span class=\"f charStyle-6f1c08a8 ps13686\">Liabilities arising <span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss1767\"><span class=\"f charStyle-6f1c08a8 ps13687\">on securitisation\u00a0 <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss1767\"><span class=\"f charStyle-6f1c08a8 ps9201\">of other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13689 ss1741\"><div><div class=\"ps989 ss114\"><span class=\"f charStyle-6f1c08a8 ps4327\">Derivative </span></div><div class=\"ps985 ss114\"><span class=\"f charStyle-6f1c08a8 ps13688\">financial </span></div><div class=\"ps983 ss114\"><span class=\"f charStyle-6f1c08a8 ps12499\">instruments</span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps996 ss1741\"><div><div class=\"ps983 ss114\"><span class=\"f charStyle-ef17fa27 ps11290\">Total<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13498 ss1769\"><div><div class=\"ps4014 ss1765\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps998 ss1770\"><div><div class=\"ps815 ss1765\"><span class=\"f charStyle-b7f6e8e5 ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3588 ss1770\"><div><div class=\"ps815 ss1765\" style=\"font-size:12pt\"><span class=\"f charStyle-13225c7c ps7\">Balance as at 1 April </span><span class=\"f charStyle-13225c7c ps13501\">2024<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13691 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.74pt\"></span></span><span class=\"ps13690\">71\u00a0751<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13693 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.84pt\"></span></span><span class=\"ps13692\">934<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13695 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.17pt\"></span></span><span class=\"ps13694\">72\u00a0685<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3593 ss1770\"><div><div class=\"ps815 ss1765\"><span class=\"f charStyle-2b0f4fe0 ps7\">Net (gains)/losses in the income statement^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13697 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.64pt\"></span></span><span class=\"ps13696\">311<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13698 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.14pt\"></span></span><span class=\"ps4270\">29<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13700 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.28pt\"></span></span><span class=\"ps13699\">340<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps3323 ss1770\"><div><div class=\"ps815 ss1765\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Investment income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13701 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.64pt\"></span></span><span class=\"ps13696\">311<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13702 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">(19)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13704 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.57pt\"></span></span><span class=\"ps13703\">292<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps450 ss1770\"><div><div class=\"ps815 ss1765\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Trading income/(loss) arising from customer flow<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13706 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.53pt\"></span></span><span class=\"ps13705\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13708 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.01pt\"></span></span><span class=\"ps13707\">48<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps13709 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.01pt\"></span></span><span class=\"ps13707\">48<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3607 ss1770\"><div><div class=\"ps815 ss1765\"><span class=\"f charStyle-2b0f4fe0 ps7\">Settlements<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13711 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.26pt\"></span></span><span class=\"ps13710\">(7\u00a0638)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13712 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13713 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.51pt\"></span></span><span class=\"ps12285\">(7\u00a0638)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3612 ss1770\"><div><div class=\"ps815 ss1765\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deconsolidation of subsidiaries<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13715 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.13pt\"></span></span><span class=\"ps13714\">(64\u00a0424)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13716 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.07pt\"></span></span><span class=\"ps10403\">(136)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13717 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.7pt\"></span></span><span class=\"ps8347\">(64\u00a0560)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps3617 ss1770\"><div><div class=\"ps815 ss1765\"><span class=\"f charStyle-b7f6e8e5 ps7\">Balance as at 31 March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13719 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.06pt\"></span></span><span class=\"ps13718\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13720 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.68pt\"></span></span><span class=\"ps13470\">827<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13721 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.68pt\"></span></span><span class=\"ps13470\">827<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4577 ss1770\"><div><div class=\"ps815 ss1765\"><span class=\"f charStyle-2b0f4fe0 ps7\">Gains or (losses)\u00a0 In the income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13722 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.53pt\"></span></span><span class=\"ps13705\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13723 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.84pt\"></span></span><span class=\"ps12282\">(293)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13724 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.84pt\"></span></span><span class=\"ps12282\">(293)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps1361 ss1770\"><div><div class=\"ps815 ss1765\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Trading income/(loss) arising from customer flow<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13725 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.53pt\"></span></span><span class=\"ps13705\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13726 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.84pt\"></span></span><span class=\"ps12282\">(293)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13727 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.84pt\"></span></span><span class=\"ps12282\">(293)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13728 ss1770\"><div><div class=\"ps815 ss1765\"><span class=\"f charStyle-b7f6e8e5 ps7\">Balance as at 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13729 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.06pt\"></span></span><span class=\"ps13718\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13730 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.96pt\"></span></span><span class=\"ps13391\">534<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13731 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.96pt\"></span></span><span class=\"ps13391\">534<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps13732 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The following table quantifies the gains or (losses) included in the income statement and other comprehensive income recognised </span></div><div class=\"ps13733 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">on level 3 financial instruments:</span></div><div class=\"ps13795 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:306.75pt\"></td><td style=\"padding:0;width:57pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:57pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss1773\"><div><div class=\"ps809 ss1772\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3973 ss1774\"><div><div class=\"ps11070 ss789\"><span class=\"f charStyle-ef17fa27 ps13734\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13736 ss1775\"><div><div class=\"ps11070 ss286\"><span class=\"f charStyle-6f1c08a8 ps13735\">Realised<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13738 ss1774\"><div><div class=\"ps11070 ss789\"><span class=\"f charStyle-6f1c08a8 ps13737\">Unrealised<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1776\"><div><div class=\"ps4014 ss1772\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss1777\"><div><div class=\"ps997 ss1772\"><span class=\"f charStyle-b7f6e8e5 ps7\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps824 ss1773\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total gains or (losses) included in the income statement for the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps830 ss1773\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interest income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13739 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.21pt\"></span></span><span class=\"ps12169\">238\u00a0893<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13740 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.43pt\"></span></span><span class=\"ps11213\">206\u00a0808<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13741 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.01pt\"></span></span><span class=\"ps11949\">32\u00a0085<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss1773\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13742 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.85pt\"></span></span><span class=\"ps11684\">1\u00a0356<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13743 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.15pt\"></span></span><span class=\"ps838\">(6\u00a0913)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13745 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.64pt\"></span></span><span class=\"ps13744\">8\u00a0269<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps843 ss1773\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">Trading income/(loss) arising from customer flow<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps4010 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.39pt\"></span></span><span class=\"ps13746\">(1\u00a0184)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13748 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.2pt\"></span></span><span class=\"ps13747\">664<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13750 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.15pt\"></span></span><span class=\"ps13749\">(1\u00a0848)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13752 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.28pt\"></span></span><span class=\"ps13751\">239\u00a0065<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13753 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.18pt\"></span></span><span class=\"ps11704\">200\u00a0559<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13754 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24pt\"></span></span><span class=\"ps2480\">38\u00a0506<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps853 ss1773\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total gains or (losses) included in other comprehensive income for the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps858 ss1778\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">Gains on realisation on debt instruments at FVOCI recycled through <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">the\u00a0income\u00a0statement</span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13755 ss1565\"><div><div class=\"ps469 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.5pt\"></span></span><span class=\"ps13235\">(3\u00a0172)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13756 ss1005\"><div><div class=\"ps469 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.5pt\"></span></span><span class=\"ps1664\">(3\u00a0172)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13757 ss1565\"><div><div class=\"ps469 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.53pt\"></span></span><span class=\"ps9378\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps13758 ss1778\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fair value movements on debt instruments at FVOCI taken directly <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">to\u00a0other\u00a0comprehensive income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13759 ss1565\"><div><div class=\"ps469 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.1pt\"></span></span><span class=\"ps13361\">(7\u00a0715)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13761 ss1005\"><div><div class=\"ps469 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:46.53pt\"></span></span><span class=\"ps13760\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13762 ss1565\"><div><div class=\"ps469 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.1pt\"></span></span><span class=\"ps13361\">(7\u00a0715)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13763 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.58pt\"></span></span><span class=\"ps13523\">(10\u00a0887)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13764 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.98pt\"></span></span><span class=\"ps11132\">(3\u00a0172)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13765 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.35pt\"></span></span><span class=\"ps8384\">(7\u00a0715)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11737 ss1773\"><div><div class=\"ps815 ss1772\" style=\"font-size:12pt\"><span class=\"f charStyle-13225c7c ps7\">2025</span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3338 ss1773\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total gains or (losses) included in the income statement for the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13372 ss1773\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interest income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13766 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.34pt\"></span></span><span class=\"ps12186\">213\u00a0436<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13768 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.77pt\"></span></span><span class=\"ps13767\">187\u00a0033<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13769 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.79pt\"></span></span><span class=\"ps10388\">26\u00a0403<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13378 ss1773\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13770 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.14pt\"></span></span><span class=\"ps11733\">23\u00a0351<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13772 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.56pt\"></span></span><span class=\"ps13771\">(10\u00a0284)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13773 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.77pt\"></span></span><span class=\"ps13767\">33\u00a0635<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13383 ss1773\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">Trading income/(loss) arising from customer flow<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13775 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.96pt\"></span></span><span class=\"ps13774\">(742)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13776 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:46.53pt\"></span></span><span class=\"ps13760\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps6954 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.96pt\"></span></span><span class=\"ps13774\">(742)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13778 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.15pt\"></span></span><span class=\"ps13777\">236\u00a0045<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13779 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.26pt\"></span></span><span class=\"ps9487\">176\u00a0749<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13780 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.43pt\"></span></span><span class=\"ps11213\">59\u00a0296<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13393 ss1773\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total gains or (losses) included in other comprehensive income for the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps3637 ss1778\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">Gains on realisation on debt instruments at FVOCI recycled through <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">the\u00a0income\u00a0statement</span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13782 ss1565\"><div><div class=\"ps469 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.31pt\"></span></span><span class=\"ps13781\">268<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13784 ss1005\"><div><div class=\"ps469 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.31pt\"></span></span><span class=\"ps13783\">268<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13785 ss1565\"><div><div class=\"ps469 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.53pt\"></span></span><span class=\"ps9378\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps1070 ss1778\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fair value movements on debt instruments at FVOCI taken directly <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">to\u00a0other\u00a0comprehensive income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13787 ss1565\"><div><div class=\"ps469 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.76pt\"></span></span><span class=\"ps13786\">19\u00a0118<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13788 ss1005\"><div><div class=\"ps469 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:46.53pt\"></span></span><span class=\"ps13760\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps6974 ss1565\"><div><div class=\"ps469 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.76pt\"></span></span><span class=\"ps13786\">19\u00a0118<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13790 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.37pt\"></span></span><span class=\"ps13789\">19\u00a0386<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13792 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.94pt\"></span></span><span class=\"ps13791\">268<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13794 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.92pt\"></span></span><span class=\"ps13793\">19\u00a0118<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps5918 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Level 2 financial assets and financial liabilities</span></div><div class=\"ps5919 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The following table sets out the Group\u2019s principal valuation techniques as at <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps13798\">31 March 2026</span><span class=\"f charStyle-33e1c6d6 ps13799\"> used in determining the fair value </span></div><div class=\"ps5920 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of\u00a0its\u00a0financial assets and financial liabilities that are classified within level 2 of the fair value hierarchy:</span></div><div class=\"ps13675 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:164.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:153.75pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:153.75pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps13800 ss777\"><div><div class=\"ps809 ss86\"><span class=\"f charStyle-a26246ce ps11539\">VALUATION BASIS/TECHNIQUES<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13802 ss777\"><div><div class=\"ps809 ss86\"><span class=\"f charStyle-a26246ce ps13801\">MAIN INPUTS<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td colspan=\"5\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1779\"><div><div class=\"ps809 ss1718\"><span class=\"f charStyle-a26246ce ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps213 ss1781\"><div><div class=\"ps2632 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">Reverse repurchase agreements and cash <span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">collateral on securities borrowed<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13803 ss1782\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13804 ss1782\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rates<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps2492 ss1783\"><div><div class=\"ps2632 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">Bank debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps13805 ss1784\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps13806 ss1784\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rates<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13807 ss1781\"><div><div class=\"ps2632 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13808 ss1782\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Externally sourced price<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13809 ss1782\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rates<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Broker quotes<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:41.25pt\"><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps4656 ss1785\"><div><div class=\"ps2632 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments and fair value <span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">adjustment for asset portfolio hedged risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps13810 ss1786\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Industry standard derivatives <span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">pricing\u00a0models<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps13811 ss1786\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rate<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Volatilities<span class=\"f ps2\"> </span></span></div><div class=\"ps5431 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Underlying spot and forward prices<span class=\"f ps2\"> </span></span></div><div class=\"ps5432 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit curves<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13812 ss1781\"><div><div class=\"ps2632 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securities arising from trading activities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13813 ss1782\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13814 ss1782\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rate<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit curves<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:32.25pt\"><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps289 ss1787\"><div><div class=\"ps2632 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps13815 ss1788\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model <span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Net asset value model<span class=\"f ps2\"> </span></span></div><div class=\"ps5431 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Comparable quoted inputs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps13816 ss1788\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rate and net assets<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rate and fund unit price<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:32.25pt\"><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps6665 ss1787\"><div><div class=\"ps2632 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13817 ss1788\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13818 ss1788\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Yield curves<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Broker quotes<span class=\"f ps2\"> </span></span></div><div class=\"ps5431 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit curves<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td colspan=\"5\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13819 ss1779\"><div><div class=\"ps809 ss1718\"><span class=\"f charStyle-a26246ce ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:41.25pt\"><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13820 ss1785\"><div><div class=\"ps2632 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments and fair value <span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">adjustment for liability portfolio hedged risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13821 ss1786\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Industry standard derivative <span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">pricing\u00a0models<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13822 ss1786\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rate<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Volatilities<span class=\"f ps2\"> </span></span></div><div class=\"ps5431 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Underlying spot and forward prices<span class=\"f ps2\"> </span></span></div><div class=\"ps5432 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit curves<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:59.25pt\"><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps13823 ss1789\"><div><div class=\"ps2632 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">Debt securities in issue<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps13824 ss1790\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Industry standard derivative <span class=\"f ps2\"> </span></span></div><div class=\"ps5431 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">pricing\u00a0models<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps13825 ss1790\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rate<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Risk-free rate <span class=\"f ps2\"> </span></span></div><div class=\"ps5431 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Volatilities<span class=\"f ps2\"> </span></span></div><div class=\"ps5432 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Forex forward points and spot rates <span class=\"f ps2\"> </span></span></div><div class=\"ps5433 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interest rate swap curves<span class=\"f ps2\"> </span></span></div><div class=\"ps5434 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit curves<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps5918 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Sensitivity of fair values to reasonably possible alternative assumptions by level 3 instrument type</span></div><div class=\"ps5919 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The fair value of financial instruments in level 3 are measured using valuation techniques that incorporate assumptions that are </span></div><div class=\"ps5920 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">not\u00a0evidenced by prices from observable market data. The following table shows the sensitivity of these fair values to reasonably </span></div><div class=\"ps13827 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">possible alternative assumptions, determined at a transactional level. Reasonable possible changes are determined depending on </span></div><div class=\"ps13828 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the nature of the instrument, for example, for credit related inputs, this is a one rating grade movement up or down. In other </span></div><div class=\"ps13829 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">instances, the extent of a reasonable change is based on market experience.</span></div><div class=\"ps14015 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:74.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:77.25pt\"></td><td style=\"padding:0;width:123.75pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:27.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss293\"><div><div class=\"ps983 ss292\"><span class=\"f charStyle-a26246ce ps7\">At 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13832 ss1791\"><div><div class=\"ps985 ss818\"><span class=\"f charStyle-6f1c08a8 ps13830\">Balance sheet <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss818\"><span class=\"f charStyle-6f1c08a8 ps13831\">value \u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13833 ss814\"><div><div class=\"ps983 ss170\"><span class=\"f charStyle-8d4b9b37 ps7\">Valuation technique<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13834 ss1793\"><div><div class=\"ps983 ss1792\"><span class=\"f charStyle-6f1c08a8 ps7\">Significant unobservable input<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13835 ss1794\"><div><div class=\"ps989 ss844\"><span class=\"f charStyle-6f1c08a8 ps7\">Range of <span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss844\"><span class=\"f charStyle-6f1c08a8 ps7\">unobservable <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss844\"><span class=\"f charStyle-6f1c08a8 ps7\">input used<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13839 ss1791\"><div><div class=\"ps989 ss818\"><span class=\"f charStyle-ef17fa27 ps13836\">Favourable<span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss818\"><span class=\"f charStyle-ef17fa27 ps13837\"> changes<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss818\"><span class=\"f charStyle-ef17fa27 ps13838\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13841 ss1795\"><div><div class=\"ps989 ss1310\"><span class=\"f charStyle-ef17fa27 ps13669\">Unfavourable<span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss1310\"><span class=\"f charStyle-ef17fa27 ps9506\">changes<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss1310\"><span class=\"f charStyle-ef17fa27 ps13840\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps998 ss303\"><div><div class=\"ps809 ss292\"><span class=\"f charStyle-ef17fa27 ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"><div class=\"ps3588 ss1796\"><div><div class=\"ps3981 ss292\"><span class=\"f charStyle-dc443274 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13843 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:24.93pt\"></span></span><span class=\"ps13842\">37\u00a0964<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13844 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13846 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:29.47pt\"></span></span><span class=\"ps13845\">1\u00a0286<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13848 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.81pt\"></span></span><span class=\"ps13847\">(1\u00a0663)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13849 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flows<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13850 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Credit spreads<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13851 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">0.47% - 1.27% <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13853 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:37.46pt\"></span></span><span class=\"ps13852\">53<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13855 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:36.91pt\"></span></span><span class=\"ps13854\">(89)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13856 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13857 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13858 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">^^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13860 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:33.82pt\"></span></span><span class=\"ps13859\">892<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13862 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.78pt\"></span></span><span class=\"ps13861\">(1\u00a0408)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13863 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13864 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13865 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13866 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:34.61pt\"></span></span><span class=\"ps10363\">341<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13867 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:34.26pt\"></span></span><span class=\"ps13710\">(166)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:6.75pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:17.25pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps1597 ss1800\"><div><div class=\"ps9792 ss292\"><span class=\"f charStyle-dc443274 ps7\">Derivative financial <span class=\"f ps2\"> </span></span></div><div class=\"ps3829 ss292\"><span class=\"f charStyle-dc443274 ps7\">instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13868 ss1602\"><div><div class=\"ps3829 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:29.56pt\"></span></span><span class=\"ps873\">1\u00a0374<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13869 ss1801\"><div><div class=\"ps3829 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13871 ss1602\"><div><div class=\"ps3829 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:34.09pt\"></span></span><span class=\"ps13870\">788<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13873 ss1802\"><div><div class=\"ps3829 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:40.3pt\"></span></span><span class=\"ps13872\">\u2014<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13874 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13875 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13876 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13877 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:34.09pt\"></span></span><span class=\"ps13870\">788<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13878 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:40.3pt\"></span></span><span class=\"ps13872\">\u2014<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:6.75pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td rowspan=\"5\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps12168 ss1803\"><div><div class=\"ps393 ss292\"><span class=\"f charStyle-dc443274 ps7\">Investment portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13879 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:22.2pt\"></span></span><span class=\"ps9977\">202\u00a0105<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13880 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13882 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:24.72pt\"></span></span><span class=\"ps13881\">23\u00a0459<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13883 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:24.84pt\"></span></span><span class=\"ps3221\">(45\u00a0677)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13884 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Price earnings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13885 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">EBITDA multiple<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13886 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">7.89x - 8.5x<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13888 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.45pt\"></span></span><span class=\"ps13887\">5\u00a0048<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13890 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.87pt\"></span></span><span class=\"ps13889\">(7\u00a0775)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13891 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Price earnings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13892 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">EBITDA multiple<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13893 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">3.4x<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13895 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:34.2pt\"></span></span><span class=\"ps13894\">572<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13896 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:29.71pt\"></span></span><span class=\"ps12291\">(1\u00a0144)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13897 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">EBITDA multiple<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13898 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Change in EBITDA<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13899 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">17.5% - 25%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13901 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.36pt\"></span></span><span class=\"ps13900\">3\u00a0282<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13903 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:29.2pt\"></span></span><span class=\"ps13902\">(6\u00a0271)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13904 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flow<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13905 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Discount rate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13906 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">10% - 15%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13908 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:34.68pt\"></span></span><span class=\"ps13907\">130<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13910 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:34.25pt\"></span></span><span class=\"ps13909\">(261)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13911 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Net asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13912 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13913 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">^^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13915 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.18pt\"></span></span><span class=\"ps13914\">4\u00a0339<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13916 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:26.41pt\"></span></span><span class=\"ps12687\">(10\u00a0174)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13917 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Net asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13918 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Discount rate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13919 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">20% - 30%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13921 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.25pt\"></span></span><span class=\"ps13920\">3\u00a0630<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13923 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.19pt\"></span></span><span class=\"ps13922\">(7\u00a0260)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13924 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13925 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Discount rate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13926 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">10%</span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13927 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.55pt\"></span></span><span class=\"ps8478\">3\u00a0732<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13928 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.13pt\"></span></span><span class=\"ps12181\">(7\u00a0466)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13929 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13930 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13931 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13932 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.78pt\"></span></span><span class=\"ps13861\">2\u00a0726<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13933 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:27.9pt\"></span></span><span class=\"ps11424\">(5\u00a0326)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:6.75pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:17.25pt\"><td style=\"padding:0\"><div class=\"ps2392 ss1800\"><div><div class=\"ps9792 ss292\"><span class=\"f charStyle-dc443274 ps7\">Loans and advances to <span class=\"f ps2\"> </span></span></div><div class=\"ps3829 ss292\"><span class=\"f charStyle-dc443274 ps7\">customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13934 ss1602\"><div><div class=\"ps3829 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:15.44pt\"></span></span><span class=\"ps11735\">3\u00a0442\u00a0993<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13935 ss1801\"><div><div class=\"ps3829 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13936 ss1602\"><div><div class=\"ps3829 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:25.8pt\"></span></span><span class=\"ps11518\">12\u00a0359<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13937 ss1802\"><div><div class=\"ps3829 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:26pt\"></span></span><span class=\"ps11952\">(17\u00a0755)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13938 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flow<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13939 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Credit spreads<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13940 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">0.13% - 4.01% <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13942 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.57pt\"></span></span><span class=\"ps13941\">8\u00a0526<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13943 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:25.02pt\"></span></span><span class=\"ps10101\">(13\u00a0232)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13944 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flow<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13945 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Discount rate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13946 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">10.0%</span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13948 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:34.11pt\"></span></span><span class=\"ps13947\">876<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13950 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:29pt\"></span></span><span class=\"ps13949\">(1\u00a0529)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13951 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Net asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13952 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13953 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">^^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13954 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.87pt\"></span></span><span class=\"ps13889\">2\u00a0957<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13956 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:27.84pt\"></span></span><span class=\"ps13955\">(2\u00a0994)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:17.25pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13957 ss1801\"><div><div class=\"ps9792 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on other comprehensive <span class=\"f ps2\"> </span></span></div><div class=\"ps3829 ss1792\"><span class=\"f charStyle-dc443274 ps7\">income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13959 ss1602\"><div><div class=\"ps3829 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:27.36pt\"></span></span><span class=\"ps13958\">17\u00a0071<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13960 ss1802\"><div><div class=\"ps3829 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:24.92pt\"></span></span><span class=\"ps11079\">(27\u00a0257)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13961 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flows<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13962 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Credit spreads<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13963 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">0.14% - 4.43%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13964 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:27.36pt\"></span></span><span class=\"ps13958\">17\u00a0071<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13965 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:24.92pt\"></span></span><span class=\"ps11079\">(27\u00a0257)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:6.75pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps3672 ss303\"><div><div class=\"ps4131 ss292\"><span class=\"f charStyle-dc443274 ps7\">Other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13967 ss929\"><div><div class=\"ps4131 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:29.58pt\"></span></span><span class=\"ps13966\">4\u00a0417<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13968 ss1804\"><div><div class=\"ps4131 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13970 ss929\"><div><div class=\"ps4131 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.47pt\"></span></span><span class=\"ps13969\">2\u00a0062<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13971 ss1805\"><div><div class=\"ps4131 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:33.46pt\"></span></span><span class=\"ps9361\">(794)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13972 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flows<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13973 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Cash flow adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13974 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">47.71% CPR<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13975 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:29.66pt\"></span></span><span class=\"ps875\">1\u00a0673<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13976 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:33.46pt\"></span></span><span class=\"ps9361\">(467)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13977 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13978 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13979 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">^^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13980 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:33.71pt\"></span></span><span class=\"ps5541\">389<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13981 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:33.43pt\"></span></span><span class=\"ps12409\">(327)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:6.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13982 ss1796\"><div><div class=\"ps4014 ss292\"><span class=\"f charStyle-a26246ce ps7\">Total level 3 assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13984 ss1597\"><div><div class=\"ps4014 ss818\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:11.32pt\"></span></span><span class=\"ps13983\">3\u00a0688\u00a0853<span style=\"display:inline-block;height:6.29pt;width:2.65pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13986 ss1597\"><div><div class=\"ps4014 ss818\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:21.94pt\"></span></span><span class=\"ps13985\">57\u00a0025<span style=\"display:inline-block;height:6.29pt;width:2.65pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13988 ss1798\"><div><div class=\"ps4014 ss1310\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:21.13pt\"></span></span><span class=\"ps13987\">(93\u00a0146)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"><div class=\"ps13989 ss1796\"><div><div class=\"ps4014 ss292\"><span class=\"f charStyle-ef17fa27 ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:17.25pt\"><td style=\"padding:0\"><div class=\"ps12310 ss1800\"><div><div class=\"ps9792 ss292\"><span class=\"f charStyle-dc443274 ps7\">Derivative financial <span class=\"f ps2\"> </span></span></div><div class=\"ps3829 ss292\"><span class=\"f charStyle-dc443274 ps7\">instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13993 ss1602\"><div><div class=\"ps3829 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:33.71pt\"></span></span><span class=\"ps5541\">534<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13994 ss1801\"><div><div class=\"ps3829 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13996 ss1602\"><div><div class=\"ps3829 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:35.48pt\"></span></span><span class=\"ps13995\">(50)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13997 ss1802\"><div><div class=\"ps3829 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:40.3pt\"></span></span><span class=\"ps13872\">\u2014<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13998 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13999 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14000 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14001 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:35.48pt\"></span></span><span class=\"ps13995\">(50)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14002 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:40.3pt\"></span></span><span class=\"ps13872\">\u2014<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:6.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps12825 ss1796\"><div><div class=\"ps4014 ss292\"><span class=\"f charStyle-a26246ce ps7\">Total level 3 liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14004 ss1597\"><div><div class=\"ps4014 ss818\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:31.36pt\"></span></span><span class=\"ps14003\">534<span style=\"display:inline-block;height:6.29pt;width:2.65pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14006 ss1597\"><div><div class=\"ps4014 ss818\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:32.92pt\"></span></span><span class=\"ps14005\">(50)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14008 ss1798\"><div><div class=\"ps4014 ss1310\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:39.22pt\"></span></span><span class=\"ps14007\">\u2014<span style=\"display:inline-block;height:6.29pt;width:2.65pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14009 ss1796\"><div><div class=\"ps4014 ss292\"><span class=\"f charStyle-a26246ce ps7\">Net level 3 assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14011 ss1597\"><div><div class=\"ps4014 ss818\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:12.32pt\"></span></span><span class=\"ps14010\">3\u00a0688\u00a0319<span style=\"display:inline-block;height:6.29pt;width:2.65pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14013 ss1597\"><div><div class=\"ps4014 ss818\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:21.92pt\"></span></span><span class=\"ps14012\">56\u00a0975<span style=\"display:inline-block;height:6.29pt;width:2.65pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14014 ss1798\"><div><div class=\"ps4014 ss1310\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:21.13pt\"></span></span><span class=\"ps13987\">(93\u00a0146)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps14016 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">The valuation sensitivity has been assessed by adjusting various inputs such as net asset value and probability of recovery rather than a single input. It is deemed </span></span></div><div class=\"ps14017 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">appropriate to reflect the outcome on a portfolio basis for the purposes of this analysis as the sensitivity of the assets cannot be determined through the adjustment of <span class=\"f ps2\"> </span></span></div><div class=\"ps14018 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">a single input.</span></div><div class=\"ps14020 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^^<span style=\"display:inline-block;height:5.81pt;width:8.83pt\"></span></span><span class=\"ps968\">Underlying asset values are calculated by reference to a tangible asset, for example, property, aircraft or shares</span></span><span class=\"f charStyle-207fba8f ps14019\">.</span></div><div class=\"ps72 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:83.25pt\"></td><td style=\"padding:0;width:42.75pt\"></td><td style=\"padding:0;width:75pt\"></td><td style=\"padding:0;width:114.75pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:27.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss1806\"><div><div class=\"ps983 ss172\"><span class=\"f charStyle-a26246ce ps7\">At 31 March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14025 ss1807\"><div><div class=\"ps989 ss717\"><span class=\"f charStyle-6f1c08a8 ps14022\">Balance <span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss717\"><span class=\"f charStyle-6f1c08a8 ps14023\">sheet value <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss717\"><span class=\"f charStyle-6f1c08a8 ps14024\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14026 ss1808\"><div><div class=\"ps985 ss212\"><span class=\"f charStyle-8d4b9b37 ps7\">Principle valuation <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss212\"><span class=\"f charStyle-8d4b9b37 ps7\">technique<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps8728 ss1809\"><div><div class=\"ps985 ss1523\"><span class=\"f charStyle-6f1c08a8 ps7\">Significant <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss1523\"><span class=\"f charStyle-6f1c08a8 ps7\">unobservable input<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14027 ss1811\"><div><div class=\"ps989 ss1810\"><span class=\"f charStyle-6f1c08a8 ps7\">Range of <span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss1810\"><span class=\"f charStyle-6f1c08a8 ps7\">unobservable <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss1810\"><span class=\"f charStyle-6f1c08a8 ps7\">input used<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps4195 ss1813\"><div><div class=\"ps989 ss1812\"><span class=\"f charStyle-ef17fa27 ps14028\">Favourable<span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss1812\"><span class=\"f charStyle-ef17fa27 ps14029\"> changes<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss1812\"><span class=\"f charStyle-ef17fa27 ps14030\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11073 ss1814\"><div><div class=\"ps989 ss943\"><span class=\"f charStyle-ef17fa27 ps12872\">Unfavourable<span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss943\"><span class=\"f charStyle-ef17fa27 ps14031\">changes<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss943\"><span class=\"f charStyle-ef17fa27 ps820\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps998 ss1815\"><div><div class=\"ps809 ss172\"><span class=\"f charStyle-ef17fa27 ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"><div class=\"ps3588 ss1816\"><div><div class=\"ps3981 ss172\"><span class=\"f charStyle-dc443274 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14032 ss1817\"><div><div class=\"ps3981 ss717\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:17.53pt\"></span></span><span class=\"ps3237\">47\u00a0686<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14033 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps14034 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:25.96pt\"></span></span><span class=\"ps5728\">1\u00a0918<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps14035 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:27.93pt\"></span></span><span class=\"ps13531\">(3\u00a0213)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14036 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flows<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14037 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Credit spreads<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14038 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">0.36% - 1.5%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14040 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:33.36pt\"></span></span><span class=\"ps14039\">57<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14041 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:33.56pt\"></span></span><span class=\"ps11958\">(105)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14042 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flows<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14043 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Cash flow adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14044 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">CPR 13.94%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14046 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:29.42pt\"></span></span><span class=\"ps14045\">256<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14047 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:33.41pt\"></span></span><span class=\"ps963\">(164)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14048 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14049 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14050 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">^^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14051 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:25.86pt\"></span></span><span class=\"ps5905\">1\u00a0361<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14053 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:27.41pt\"></span></span><span class=\"ps14052\">(2\u00a0700)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14054 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14055 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14056 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14057 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:29.14pt\"></span></span><span class=\"ps9358\">244<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps14058 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:32.32pt\"></span></span><span class=\"ps9306\">(244)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:6.75pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td rowspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps3327 ss1823\"><div><div class=\"ps393 ss172\"><span class=\"f charStyle-dc443274 ps7\">Derivative financial <span class=\"f ps2\"> </span></span></div><div class=\"ps1940 ss172\"><span class=\"f charStyle-dc443274 ps7\">instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps14059 ss1817\"><div><div class=\"ps3981 ss717\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:20.97pt\"></span></span><span class=\"ps13019\">6\u00a0352<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps14060 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14061 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:25.03pt\"></span></span><span class=\"ps4681\">1\u00a0058<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14063 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:32.77pt\"></span></span><span class=\"ps14062\">(702)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14064 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Option pricing model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14065 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Volatilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14066 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">7.5% - 16.95%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14067 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:34.3pt\"></span></span><span class=\"ps889\">\u2014<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14069 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:40.81pt\"></span></span><span class=\"ps14068\">(1)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14070 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14071 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14072 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">^^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14074 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:37.63pt\"></span></span><span class=\"ps14073\">1<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14076 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:39.71pt\"></span></span><span class=\"ps14075\">(3)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14077 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14078 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14079 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14081 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:25.33pt\"></span></span><span class=\"ps14080\">1\u00a0057<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps14083 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:32.51pt\"></span></span><span class=\"ps14082\">(698)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:6.75pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps2618 ss1816\"><div><div class=\"ps3981 ss172\"><span class=\"f charStyle-dc443274 ps7\">Investment portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps14085 ss1817\"><div><div class=\"ps3981 ss717\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:15.45pt\"></span></span><span class=\"ps14084\">211\u00a0364<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps14086 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14088 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:21.49pt\"></span></span><span class=\"ps14087\">25\u00a0512<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14090 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:24.56pt\"></span></span><span class=\"ps14089\">(50\u00a0819)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14091 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Price earnings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14092 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Price earnings multiple<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14093 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">1.6x - 7.5x<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14095 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:24.09pt\"></span></span><span class=\"ps14094\">5\u00a0662<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14096 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:24.47pt\"></span></span><span class=\"ps11663\">(10\u00a0660)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14097 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Price earnings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14098 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Change in EBITDA <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14099 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">3.3x - 7.8x<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14100 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:24.27pt\"></span></span><span class=\"ps11901\">2\u00a0768<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14102 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:27.32pt\"></span></span><span class=\"ps14101\">(5\u00a0502)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14103 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flows<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14104 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Discount rate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14105 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">10% - 15%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14107 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:23.72pt\"></span></span><span class=\"ps14106\">4\u00a0446<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14108 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:27.94pt\"></span></span><span class=\"ps2453\">(8\u00a0314)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14109 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14110 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14111 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">^^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14112 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:23.86pt\"></span></span><span class=\"ps12087\">9\u00a0320<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14113 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:24.67pt\"></span></span><span class=\"ps818\">(18\u00a0487)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14114 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14115 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14116 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14118 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:24.76pt\"></span></span><span class=\"ps14117\">3\u00a0316<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps14120 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:27.54pt\"></span></span><span class=\"ps14119\">(7\u00a0856)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:6.75pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td rowspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps6660 ss1823\"><div><div class=\"ps393 ss172\"><span class=\"f charStyle-dc443274 ps7\">Loans and advances to <span class=\"f ps2\"> </span></span></div><div class=\"ps1940 ss172\"><span class=\"f charStyle-dc443274 ps7\">customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps14122 ss1817\"><div><div class=\"ps3981 ss717\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:9.17pt\"></span></span><span class=\"ps14121\">2\u00a0532\u00a0138<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps14123 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14124 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:22.28pt\"></span></span><span class=\"ps9500\">10\u00a0221<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14125 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:25.65pt\"></span></span><span class=\"ps12208\">(18\u00a0713)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14126 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flows<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14127 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Credit spreads<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14128 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">0.14% - 4.65%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14129 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:23.89pt\"></span></span><span class=\"ps12563\">6\u00a0263<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14130 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:25.39pt\"></span></span><span class=\"ps11549\">(14\u00a0212)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14131 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flows<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14132 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Credit spreads<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14133 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">37.3%</span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14134 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:25.44pt\"></span></span><span class=\"ps11869\">1\u00a0557<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14135 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.62pt\"></span></span><span class=\"ps3220\">(1\u00a0557)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14136 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Price earnings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14137 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Price earnings multiple<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14138 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">4.5x<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14139 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:29.71pt\"></span></span><span class=\"ps12291\">675<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14141 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:30.11pt\"></span></span><span class=\"ps14140\">(1\u00a0101)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14142 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14143 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14144 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">^^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14146 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:25.27pt\"></span></span><span class=\"ps14145\">1\u00a0726<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps14147 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:27.94pt\"></span></span><span class=\"ps2453\">(1\u00a0843)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:17.25pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14148 ss1824\"><div><div class=\"ps9792 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on other <span class=\"f ps2\"> </span></span></div><div class=\"ps3829 ss1523\"><span class=\"f charStyle-dc443274 ps7\">comprehensive income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14149 ss1825\"><div><div class=\"ps3829 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:22.88pt\"></span></span><span class=\"ps12175\">17\u00a0712<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14150 ss1826\"><div><div class=\"ps3829 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:23.86pt\"></span></span><span class=\"ps12087\">(32\u00a0737)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"background-color:#FFFFFF;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14151 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flows<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14152 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Credit spreads<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14153 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">0.16% - 5.72%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14154 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:22.88pt\"></span></span><span class=\"ps12175\">17\u00a0712<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14155 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:23.86pt\"></span></span><span class=\"ps12087\">(32\u00a0737)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:6.75pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14156 ss1816\"><div><div class=\"ps4014 ss172\"><span class=\"f charStyle-a26246ce ps7\">Total level 3 assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14157 ss1817\"><div><div class=\"ps4014 ss717\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:4.57pt\"></span></span><span class=\"ps17\">2\u00a0797\u00a0540<span style=\"display:inline-block;height:6.29pt;width:2.65pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#c3d0d7;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14159 ss1819\"><div><div class=\"ps4014 ss1812\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:18.08pt\"></span></span><span class=\"ps14158\">56\u00a0421<span style=\"display:inline-block;height:6.29pt;width:2.65pt\"></span></span></span></div></div></div></td><td style=\"background-color:#c3d0d7;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14160 ss1820\"><div><div class=\"ps4014 ss943\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:17.01pt\"></span></span><span class=\"ps1497\">(106\u00a0184)</span></span></div></div></div></td><td style=\"background-color:#c3d0d7;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"><div class=\"ps12213 ss1816\"><div><div class=\"ps4014 ss172\"><span class=\"f charStyle-ef17fa27 ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:17.25pt\"><td style=\"padding:0\"><div class=\"ps11254 ss1827\"><div><div class=\"ps393 ss172\"><span class=\"f charStyle-dc443274 ps7\">Derivative financial <span class=\"f ps2\"> </span></span></div><div class=\"ps1940 ss172\"><span class=\"f charStyle-dc443274 ps7\">instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14162 ss1828\"><div><div class=\"ps3829 ss717\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:26.6pt\"></span></span><span class=\"ps14161\">827<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14164 ss1824\"><div><div class=\"ps3829 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps14166 ss1825\"><div><div class=\"ps3829 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:31.9pt\"></span></span><span class=\"ps14165\">(12)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps14168 ss1826\"><div><div class=\"ps3829 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:39.55pt\"></span></span><span class=\"ps14167\">\u2014<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14169 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14170 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14171 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14172 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:31.9pt\"></span></span><span class=\"ps14165\">(12)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14173 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:39.55pt\"></span></span><span class=\"ps14167\">\u2014<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:6pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14174 ss1816\"><div><div class=\"ps4014 ss172\"><span class=\"f charStyle-a26246ce ps7\">Total level 3 liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14175 ss1817\"><div><div class=\"ps4014 ss717\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:24.48pt\"></span></span><span class=\"ps12509\">827<span style=\"display:inline-block;height:6.29pt;width:2.65pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#c3d0d7;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14176 ss1819\"><div><div class=\"ps4014 ss1812\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:29.8pt\"></span></span><span class=\"ps9979\">(12)</span></span></div></div></div></td><td style=\"background-color:#c3d0d7;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14178 ss1820\"><div><div class=\"ps4014 ss943\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:38.47pt\"></span></span><span class=\"ps14177\">\u2014<span style=\"display:inline-block;height:6.29pt;width:2.65pt\"></span></span></span></div></div></div></td><td style=\"background-color:#c3d0d7;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14179 ss1816\"><div><div class=\"ps4014 ss172\"><span class=\"f charStyle-a26246ce ps7\">Net level 3 assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14181 ss1817\"><div><div class=\"ps4014 ss717\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:5.87pt\"></span></span><span class=\"ps14180\">2\u00a0796\u00a0713<span style=\"display:inline-block;height:6.29pt;width:2.65pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#c3d0d7;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14182 ss1819\"><div><div class=\"ps4014 ss1812\"><span class=\"f charStyle-a26246ce ps1625\">56\u00a0409<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#c3d0d7;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14183 ss1820\"><div><div class=\"ps4014 ss943\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:17.01pt\"></span></span><span class=\"ps1497\">(106\u00a0184)</span></span></div></div></div></td><td style=\"background-color:#c3d0d7;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps14184 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">The valuation sensitivity has been assessed by adjusting various inputs such as net asset value and probability of recovery rather than a single input. It is deemed </span></span></div><div class=\"ps14185 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">appropriate to reflect the outcome on a portfolio basis for the purposes of this analysis as the sensitivity of the assets cannot be determined through the adjustment </span></div><div class=\"ps14186 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">of\u00a0a single input.</span></div><div class=\"ps14187 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^^<span style=\"display:inline-block;height:5.81pt;width:8.83pt\"></span></span><span class=\"ps968\">Underlying asset values are calculated by reference to a tangible asset, for example, property, aircraft or shares.</span></span></div><div class=\"ps979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In determining the value of level 3 financial instruments, the following are the principal inputs that can require judgement:</span></div><div class=\"ps3353 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Credit spreads</span></div><div class=\"ps3354 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Credit spreads reflect the additional yield that a market participant would demand for taking exposure to the credit risk of an </span></div><div class=\"ps5921 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">instrument. The credit spread for an instrument forms part of the yield used in a discounted cash flow calculation. In general, </span></div><div class=\"ps14189 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">a\u00a0significant increase in a credit spread in isolation will result in a movement in fair value that is unfavourable for the holder </span></div><div class=\"ps14190 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of\u00a0a\u00a0financial instrument. It is an unobservable input into a discounted cash flow valuation.</span></div><div class=\"ps14191 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Discount rates</span></div><div class=\"ps14192 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Discount rates are used to adjust for the time value of money when using a discounted cash flow valuation method. Where </span></div><div class=\"ps14193 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">relevant, the discount rate also accounts for illiquidity, market conditions and uncertainty of future cash flows.</span></div><div class=\"ps14194 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Volatilities</span></div><div class=\"ps14195 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Volatility is a key input in the valuation of derivative products containing optionality. Volatility is a measure of the variability or </span></div><div class=\"ps14196 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">uncertainty in returns for a given derivative underlying. It represents an estimate of how much a particular underlying instrument, </span></div><div class=\"ps14197 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">parameter or index will change in value over time.</span></div><div class=\"ps14198 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Cash flows</span></div><div class=\"ps14199 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Cash flows relates to the future cash flows that can be expected from the instrument and requires judgement. Cash flows are\u00a0input </span></div><div class=\"ps14200 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">into a discounted cash flow valuation.</span></div><div class=\"ps14201 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Price earnings multiple</span></div><div class=\"ps14202 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The price-to-earnings ratio is an equity valuation multiple used in the adjustment of underlying market prices. It is a key driver in\u00a0the </span></div><div class=\"ps14203 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">valuation of unlisted investments.</span></div><div class=\"ps14204 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Underlying asset value</span></div><div class=\"ps14205 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In instances where cash flows have links to referenced assets, the underlying asset value is used to determine the fair value. </span></div><div class=\"ps14206 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps699\">The underlying asset valuation is derived using observable market prices sourced from broker quotes, specialist valuers or other </span></div><div class=\"ps14207 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reliable pricing sources.</span></div><div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_268\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">14<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps14210\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps14211\">Fair value of financial instruments at amortised cost<span class=\"f ps2\"> </span></span></div><div class=\"ps72 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:118.5pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"4\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps13835 ss1829\"><div><div class=\"ps809 ss1029\"><span class=\"f charStyle-a26246ce ps13299\">Level within the fair value hierarchy<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:41.25pt\"><td style=\"padding:0\"><div class=\"ps816 ss1830\"><div><div class=\"ps14212 ss713\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">At 31 March 2026</span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14217 ss1831\"><div><div class=\"ps14214 ss1310\"><span class=\"f charStyle-a26246ce ps14213\">Carrying <span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss1310\"><span class=\"f charStyle-a26246ce ps14215\">amount<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14222 ss1831\"><div><div class=\"ps14218 ss1310\"><span class=\"f charStyle-a26246ce ps11470\">Fair value <span class=\"f ps2\"> </span></span></div><div class=\"ps14220 ss1310\"><span class=\"f charStyle-a26246ce ps14219\">approximates <span class=\"f ps2\"> </span></span></div><div class=\"ps14214 ss1310\"><span class=\"f charStyle-a26246ce ps14221\">carrying <span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss1310\"><span class=\"f charStyle-a26246ce ps14215\">amount<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14227 ss1831\"><div><div class=\"ps809 ss1310\"><span class=\"f charStyle-a26246ce ps14223\">Balances <span class=\"f ps2\"> </span></span></div><div class=\"ps14224 ss1310\"><span class=\"f charStyle-a26246ce ps128\">where fair <span class=\"f ps2\"> </span></span></div><div class=\"ps14218 ss1310\"><span class=\"f charStyle-a26246ce ps14225\">values do not <span class=\"f ps2\"> </span></span></div><div class=\"ps14220 ss1310\"><span class=\"f charStyle-a26246ce ps14226\">approximate <span class=\"f ps2\"> </span></span></div><div class=\"ps14214 ss1310\"><span class=\"f charStyle-a26246ce ps14221\">carrying </span></div><div class=\"ps14216 ss1310\"><span class=\"f charStyle-a26246ce ps9475\">amounts<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14231 ss1832\"><div><div class=\"ps809 ss1750\"><span class=\"f charStyle-a26246ce ps14228\">Fair value of <span class=\"f ps2\"> </span></span></div><div class=\"ps14224 ss1750\"><span class=\"f charStyle-a26246ce ps12493\">balances that <span class=\"f ps2\"> </span></span></div><div class=\"ps14218 ss1750\"><span class=\"f charStyle-a26246ce ps14229\">do not </span></div><div class=\"ps14220 ss1750\"><span class=\"f charStyle-a26246ce ps6938\">approximate <span class=\"f ps2\"> </span></span></div><div class=\"ps14214 ss1750\"><span class=\"f charStyle-a26246ce ps14230\">carrying <span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss1750\"><span class=\"f charStyle-a26246ce ps13640\">amounts</span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14232 ss1831\"><div><div class=\"ps14216 ss1310\"><span class=\"f charStyle-6f1c08a8 ps11557\">Level 1<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14234 ss1831\"><div><div class=\"ps14216 ss1310\"><span class=\"f charStyle-6f1c08a8 ps14233\">Level 2<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14236 ss1832\"><div><div class=\"ps14216 ss1750\"><span class=\"f charStyle-6f1c08a8 ps14235\">Level 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3651 ss1833\"><div><div class=\"ps4014 ss713\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps4049 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-b7f6e8e5 ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps3844 ss1835\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cash and balances <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">at\u00a0central\u00a0banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14238 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.35pt\"></span></span><span class=\"ps14237\">3\u00a0173\u00a0756<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14239 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.35pt\"></span></span><span class=\"ps14237\">3\u00a0173\u00a0756<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14240 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14241 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14242 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14243 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14244 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps853 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14245 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.53pt\"></span></span><span class=\"ps11595\">801\u00a0104<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14246 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.53pt\"></span></span><span class=\"ps11595\">801\u00a0104<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14247 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14248 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14249 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14250 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14251 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:30pt\"><td style=\"padding:0\"><div class=\"ps858 ss1838\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Reverse repurchase <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">agreements and cash collateral <span class=\"f ps2\"> </span></span></div><div class=\"ps8432 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">on securities borrowed</span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14253 ss1839\"><div><div class=\"ps8432 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.68pt\"></span></span><span class=\"ps14252\">1\u00a0884\u00a0699<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14254 ss1839\"><div><div class=\"ps8432 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.01pt\"></span></span><span class=\"ps10477\">1\u00a0552\u00a0902<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14256 ss1839\"><div><div class=\"ps8432 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.91pt\"></span></span><span class=\"ps14255\">331\u00a0797<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14257 ss1840\"><div><div class=\"ps8432 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.06pt\"></span></span><span class=\"ps12070\">332\u00a0104<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14258 ss1839\"><div><div class=\"ps8432 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14260 ss1839\"><div><div class=\"ps8432 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.06pt\"></span></span><span class=\"ps14259\">332\u00a0104<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14261 ss1840\"><div><div class=\"ps8432 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11712 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14263 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.81pt\"></span></span><span class=\"ps14262\">2\u00a0007\u00a0080<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14264 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.34pt\"></span></span><span class=\"ps13283\">938\u00a0497<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14266 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.74pt\"></span></span><span class=\"ps14265\">1\u00a0068\u00a0583<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14268 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.59pt\"></span></span><span class=\"ps14267\">1\u00a0067\u00a0118<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14269 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.59pt\"></span></span><span class=\"ps13605\">1\u00a0067\u00a0118<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14270 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14271 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps49 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14273 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.1pt\"></span></span><span class=\"ps14272\">1\u00a0067\u00a0089<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14274 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.43pt\"></span></span><span class=\"ps9689\">136\u00a0509<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14276 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.16pt\"></span></span><span class=\"ps14275\">930\u00a0580<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14278 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.07pt\"></span></span><span class=\"ps14277\">916\u00a0477<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14279 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14280 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.07pt\"></span></span><span class=\"ps9422\">916\u00a0477<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14281 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps11737 ss1835\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">to\u00a0customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14283 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.44pt\"></span></span><span class=\"ps14282\">14\u00a0325\u00a0978<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14284 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.82pt\"></span></span><span class=\"ps9443\">589\u00a0657<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14286 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.41pt\"></span></span><span class=\"ps14285\">13\u00a0736\u00a0321<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14288 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:3.88pt\"></span></span><span class=\"ps14287\">13\u00a0773\u00a0763<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14289 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14291 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.8pt\"></span></span><span class=\"ps14290\">980\u00a0971<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14292 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:3.95pt\"></span></span><span class=\"ps14225\">12\u00a0792\u00a0792<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1042 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14293 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.33pt\"></span></span><span class=\"ps9687\">114\u00a0438<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14294 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.33pt\"></span></span><span class=\"ps9687\">114\u00a0438<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14295 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14296 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14297 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14298 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14299 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1046 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14300 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.34pt\"></span></span><span class=\"ps13283\">734\u00a0452<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14301 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.34pt\"></span></span><span class=\"ps13283\">734\u00a0452<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14302 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14303 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14304 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14305 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14306 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14308 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:3.54pt\"></span></span><span class=\"ps14307\">24\u00a0108\u00a0596<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14310 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.55pt\"></span></span><span class=\"ps14309\">8\u00a0041\u00a0315<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14312 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.32pt\"></span></span><span class=\"ps14311\">16\u00a0067\u00a0281<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14313 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:0.42pt\"></span></span><span class=\"ps6429\">16\u00a0089\u00a0462<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1054 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-b7f6e8e5 ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1058 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deposits by banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14315 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.57pt\"></span></span><span class=\"ps14314\">902\u00a0678<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14317 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.42pt\"></span></span><span class=\"ps14316\">221\u00a0008<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14318 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.8pt\"></span></span><span class=\"ps14290\">681\u00a0670<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14319 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.59pt\"></span></span><span class=\"ps5377\">684\u00a0211<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps13940 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14320 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.59pt\"></span></span><span class=\"ps11823\">684\u00a0211<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14321 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps1062 ss1835\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Repurchase agreements and <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">cash collateral on securities lent<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14322 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.35pt\"></span></span><span class=\"ps14237\">1\u00a0065\u00a0587<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14323 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.35pt\"></span></span><span class=\"ps14237\">1\u00a0065\u00a0587<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14324 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14325 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14326 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14327 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14328 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps920 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Customer accounts (deposits)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14330 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.34pt\"></span></span><span class=\"ps14329\">22\u00a0467\u00a0743<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14332 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.92pt\"></span></span><span class=\"ps14331\">12\u00a0769\u00a0790<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14333 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.91pt\"></span></span><span class=\"ps13394\">9\u00a0697\u00a0953<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14335 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.26pt\"></span></span><span class=\"ps14334\">9\u00a0627\u00a0072<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14336 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14338 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.26pt\"></span></span><span class=\"ps14337\">9\u00a0627\u00a0072<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14339 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps925 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Debt securities in issue<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14340 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.85pt\"></span></span><span class=\"ps9416\">1\u00a0413\u00a0031<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14341 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.74pt\"></span></span><span class=\"ps9388\">1\u00a0194<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14342 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.36pt\"></span></span><span class=\"ps9550\">1\u00a0411\u00a0837<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14343 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.04pt\"></span></span><span class=\"ps12967\">1\u00a0427\u00a0452<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14344 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.87pt\"></span></span><span class=\"ps10534\">1\u00a0406\u00a0120<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14346 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.78pt\"></span></span><span class=\"ps14345\">21\u00a0332<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14347 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps930 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14349 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.13pt\"></span></span><span class=\"ps14348\">962\u00a0846<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14350 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.13pt\"></span></span><span class=\"ps14348\">962\u00a0846<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14351 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14352 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14353 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14354 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14355 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps934 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Subordinated liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14357 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.47pt\"></span></span><span class=\"ps14356\">697\u00a0632<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14358 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14359 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.47pt\"></span></span><span class=\"ps14356\">697\u00a0632<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14361 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.94pt\"></span></span><span class=\"ps14360\">722\u00a0815<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14363 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.94pt\"></span></span><span class=\"ps14362\">722\u00a0815<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14364 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14365 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14367 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:4.77pt\"></span></span><span class=\"ps14366\">27\u00a0509\u00a0517<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14369 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:3.68pt\"></span></span><span class=\"ps14368\">15\u00a0020\u00a0425<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14371 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:3.65pt\"></span></span><span class=\"ps14370\">12\u00a0489\u00a0092<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14373 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:1.94pt\"></span></span><span class=\"ps14372\">12\u00a0461\u00a0550<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps14376 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For the year ended <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps14374\">31 March 2026<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps14375\">, there were insignificant disposals of financial instruments measured at amortised cost.<span class=\"f ps2\"> </span></span></div><div class=\"ps14377 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For financial assets and financial liabilities that are liquid or have a short-term maturity (less than three months) it is assumed that <span class=\"f ps2\"> </span></span></div><div class=\"ps10981 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the carrying amounts approximate their fair value. These assets and liabilities include demand deposits, savings accounts without <span class=\"f ps2\"> </span></span></div><div class=\"ps14378 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">a\u00a0specific maturity, which are included in customer accounts (deposits), and variable rate instruments.<span class=\"f ps2\"> </span></span></div><div class=\"ps14379 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Financial instruments for which fair value does not approximate carrying value<span class=\"f ps2\"> </span></span></div><div class=\"ps14380 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Differences in amortised cost and fair value occur in fixed rate instruments. The fair value of fixed rate financial assets and financial <span class=\"f ps2\"> </span></span></div><div class=\"ps14381 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">liabilities carried at amortised cost are estimated by comparing spreads earned on the transactions with spreads earned on similar <span class=\"f ps2\"> </span></span></div><div class=\"ps14382 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">new transactions entered into by the Group. The estimated fair value of fixed interest-bearing deposits is based on discounted </span></div><div class=\"ps14383 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">cash flows, using prevailing money market interest rates for debts with similar credit risk and maturity. For quoted subordinated </span></div><div class=\"ps14384 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">debt issued, the fair values are calculated based on quoted market prices. For those notes issued where quoted market prices are </span></div><div class=\"ps14385 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">not available, a discounted cash flow model is used based on a current interest rate yield curve appropriate for\u00a0the remaining term <span class=\"f ps2\"> </span></span></div><div class=\"ps14386 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">to maturity.</span></div></div><div class=\"ps72 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:118.5pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"4\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps13835 ss1841\"><div><div class=\"ps8543 ss1029\"><span class=\"f charStyle-a26246ce ps13299\">Level within the fair value hierarchy<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:41.25pt\"><td style=\"padding:0\"><div class=\"ps2724 ss1830\"><div><div class=\"ps14212 ss713\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">At 31 March 2025</span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14389 ss1831\"><div><div class=\"ps14214 ss1310\"><span class=\"f charStyle-a26246ce ps14213\">Carrying <span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss1310\"><span class=\"f charStyle-a26246ce ps14215\">amount<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14390 ss1831\"><div><div class=\"ps14218 ss1310\"><span class=\"f charStyle-a26246ce ps11470\">Fair value <span class=\"f ps2\"> </span></span></div><div class=\"ps14220 ss1310\"><span class=\"f charStyle-a26246ce ps14219\">approximates <span class=\"f ps2\"> </span></span></div><div class=\"ps14214 ss1310\"><span class=\"f charStyle-a26246ce ps14221\">carrying <span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss1310\"><span class=\"f charStyle-a26246ce ps14215\">amount<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14391 ss1831\"><div><div class=\"ps809 ss1310\"><span class=\"f charStyle-a26246ce ps14223\">Balances <span class=\"f ps2\"> </span></span></div><div class=\"ps14224 ss1310\"><span class=\"f charStyle-a26246ce ps128\">where fair <span class=\"f ps2\"> </span></span></div><div class=\"ps14218 ss1310\"><span class=\"f charStyle-a26246ce ps14225\">values do not <span class=\"f ps2\"> </span></span></div><div class=\"ps14220 ss1310\"><span class=\"f charStyle-a26246ce ps14226\">approximate <span class=\"f ps2\"> </span></span></div><div class=\"ps14214 ss1310\"><span class=\"f charStyle-a26246ce ps14221\">carrying </span></div><div class=\"ps14216 ss1310\"><span class=\"f charStyle-a26246ce ps9475\">amounts<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14392 ss1832\"><div><div class=\"ps809 ss1750\"><span class=\"f charStyle-a26246ce ps14228\">Fair value of <span class=\"f ps2\"> </span></span></div><div class=\"ps14224 ss1750\"><span class=\"f charStyle-a26246ce ps12493\">balances that <span class=\"f ps2\"> </span></span></div><div class=\"ps14218 ss1750\"><span class=\"f charStyle-a26246ce ps14229\">do not </span></div><div class=\"ps14220 ss1750\"><span class=\"f charStyle-a26246ce ps6938\">approximate <span class=\"f ps2\"> </span></span></div><div class=\"ps14214 ss1750\"><span class=\"f charStyle-a26246ce ps14230\">carrying <span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss1750\"><span class=\"f charStyle-a26246ce ps13640\">amounts</span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14393 ss1831\"><div><div class=\"ps14216 ss1310\"><span class=\"f charStyle-6f1c08a8 ps11557\">Level 1<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14394 ss1831\"><div><div class=\"ps14216 ss1310\"><span class=\"f charStyle-6f1c08a8 ps14233\">Level 2<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14395 ss1832\"><div><div class=\"ps14216 ss1750\"><span class=\"f charStyle-6f1c08a8 ps14235\">Level 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps6177 ss1833\"><div><div class=\"ps4014 ss713\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps216 ss1842\"><div><div class=\"ps997 ss713\"><span class=\"f charStyle-b7f6e8e5 ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps3325 ss1835\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cash and balances <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">at\u00a0central\u00a0banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14397 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.36pt\"></span></span><span class=\"ps14396\">4\u00a0191\u00a0750<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14398 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.36pt\"></span></span><span class=\"ps14396\">4\u00a0191\u00a0750<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14399 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14400 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14401 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14402 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14403 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13051 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14404 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.57pt\"></span></span><span class=\"ps14314\">860\u00a0267<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14405 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.57pt\"></span></span><span class=\"ps14314\">860\u00a0267<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14406 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14407 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14408 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14409 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14410 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:30pt\"><td style=\"padding:0\"><div class=\"ps13055 ss1838\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Reverse repurchase <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">agreements and cash collateral <span class=\"f ps2\"> </span></span></div><div class=\"ps8432 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">on securities borrowed</span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14412 ss1839\"><div><div class=\"ps8432 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.77pt\"></span></span><span class=\"ps14411\">1\u00a0584\u00a0352<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14414 ss1839\"><div><div class=\"ps8432 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.1pt\"></span></span><span class=\"ps14413\">1\u00a0318\u00a0407<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14415 ss1839\"><div><div class=\"ps8432 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.36pt\"></span></span><span class=\"ps9216\">265\u00a0945<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14417 ss1840\"><div><div class=\"ps8432 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.99pt\"></span></span><span class=\"ps14416\">266\u00a0404<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14418 ss1839\"><div><div class=\"ps8432 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14420 ss1839\"><div><div class=\"ps8432 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.99pt\"></span></span><span class=\"ps14419\">266\u00a0404<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14421 ss1840\"><div><div class=\"ps8432 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3334 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14423 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.09pt\"></span></span><span class=\"ps14422\">1\u00a0189\u00a0050<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14424 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.36pt\"></span></span><span class=\"ps1625\">421\u00a0866<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14426 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.06pt\"></span></span><span class=\"ps14425\">767\u00a0184<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14428 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.92pt\"></span></span><span class=\"ps14427\">767\u00a0504<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14430 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.92pt\"></span></span><span class=\"ps14429\">767\u00a0504<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14431 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14432 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9686 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14434 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.81pt\"></span></span><span class=\"ps14433\">712\u00a0209<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14436 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.64pt\"></span></span><span class=\"ps14435\">75\u00a0979<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14438 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.95pt\"></span></span><span class=\"ps14437\">636\u00a0230<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14439 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.12pt\"></span></span><span class=\"ps4277\">629\u00a0936<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14440 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14441 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.12pt\"></span></span><span class=\"ps11405\">629\u00a0936<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14442 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps4482 ss1835\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">to\u00a0customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14444 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.86pt\"></span></span><span class=\"ps14443\">14\u00a0236\u00a0486<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14446 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.1pt\"></span></span><span class=\"ps14445\">564\u00a0094<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14447 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.32pt\"></span></span><span class=\"ps3536\">13\u00a0672\u00a0392<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14449 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:2.73pt\"></span></span><span class=\"ps14448\">13\u00a0643\u00a0949<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14450 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14451 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.61pt\"></span></span><span class=\"ps9283\">1\u00a0006\u00a0893<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14452 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:3.54pt\"></span></span><span class=\"ps14307\">12\u00a0637\u00a0056<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2384 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14454 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.58pt\"></span></span><span class=\"ps14453\">139\u00a0212<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14455 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.91pt\"></span></span><span class=\"ps11905\">91\u00a0024<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14456 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.91pt\"></span></span><span class=\"ps11905\">48\u00a0188<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14457 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.81pt\"></span></span><span class=\"ps1618\">48\u00a0164<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps13926 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14458 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.81pt\"></span></span><span class=\"ps11862\">48\u00a0164<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14459 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"><div class=\"ps2388 ss1842\"><div><div class=\"ps997 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14460 ss1314\"><div><div class=\"ps997 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.1pt\"></span></span><span class=\"ps14445\">349\u00a0568<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14461 ss1314\"><div><div class=\"ps997 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.1pt\"></span></span><span class=\"ps14445\">349\u00a0568<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14462 ss1314\"><div><div class=\"ps997 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14463 ss1843\"><div><div class=\"ps997 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14464 ss1314\"><div><div class=\"ps997 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14465 ss1314\"><div><div class=\"ps997 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14466 ss1843\"><div><div class=\"ps997 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14468 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:2.82pt\"></span></span><span class=\"ps14467\">23\u00a0262\u00a0894<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14470 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.65pt\"></span></span><span class=\"ps14469\">7\u00a0872\u00a0955<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14471 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:3.67pt\"></span></span><span class=\"ps9968\">15\u00a0389\u00a0939<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14473 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:1.51pt\"></span></span><span class=\"ps14472\">15\u00a0355\u00a0957<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2396 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-b7f6e8e5 ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8900 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deposits by banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14475 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.5pt\"></span></span><span class=\"ps14474\">1\u00a0477\u00a0568<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14476 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.66pt\"></span></span><span class=\"ps10180\">201\u00a0160<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14477 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.01pt\"></span></span><span class=\"ps10477\">1\u00a0276\u00a0408<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14479 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.66pt\"></span></span><span class=\"ps14478\">1\u00a0282\u00a0354<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14480 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14482 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.66pt\"></span></span><span class=\"ps14481\">1\u00a0282\u00a0354<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14483 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps4714 ss1835\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Repurchase agreements and <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">cash collateral on securities lent<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14484 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.8pt\"></span></span><span class=\"ps14290\">178\u00a0202<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14485 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.8pt\"></span></span><span class=\"ps14290\">178\u00a0202<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14486 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14487 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14488 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14489 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14490 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13820 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Customer accounts (deposits)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14491 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.56pt\"></span></span><span class=\"ps6280\">21\u00a0455\u00a0855<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14492 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.51pt\"></span></span><span class=\"ps11553\">13\u00a0473\u00a0780<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14493 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.36pt\"></span></span><span class=\"ps13208\">7\u00a0982\u00a0075<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14495 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.04pt\"></span></span><span class=\"ps14494\">7\u00a0949\u00a0847<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14496 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14498 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.04pt\"></span></span><span class=\"ps14497\">7\u00a0949\u00a0847<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14499 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14500 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Debt securities in issue<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14502 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.84pt\"></span></span><span class=\"ps14501\">1\u00a0301\u00a0802<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14503 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.74pt\"></span></span><span class=\"ps9388\">1\u00a0194<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14505 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.58pt\"></span></span><span class=\"ps14504\">1\u00a0300\u00a0608<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14507 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.08pt\"></span></span><span class=\"ps14506\">1\u00a0308\u00a0371<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14508 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.26pt\"></span></span><span class=\"ps9201\">1\u00a0176\u00a0693<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14509 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.92pt\"></span></span><span class=\"ps12379\">131\u00a0678<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14510 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14511 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14512 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.82pt\"></span></span><span class=\"ps9436\">548\u00a0617<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14513 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.57pt\"></span></span><span class=\"ps14314\">547\u00a0935<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14515 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.06pt\"></span></span><span class=\"ps14514\">682<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14517 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.29pt\"></span></span><span class=\"ps14516\">189<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14518 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14519 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14520 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.29pt\"></span></span><span class=\"ps14516\">189<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14521 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Subordinated liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14522 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.47pt\"></span></span><span class=\"ps9669\">682\u00a0218<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14523 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14524 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.47pt\"></span></span><span class=\"ps9669\">682\u00a0218<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14526 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.82pt\"></span></span><span class=\"ps14525\">712\u00a0548<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14527 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.82pt\"></span></span><span class=\"ps9436\">712\u00a0548<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14528 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14529 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14531 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:2.8pt\"></span></span><span class=\"ps14530\">25\u00a0644\u00a0262<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14533 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.29pt\"></span></span><span class=\"ps14532\">14\u00a0402\u00a0271<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14535 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.47pt\"></span></span><span class=\"ps14534\">11\u00a0241\u00a0991<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14537 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:1.97pt\"></span></span><span class=\"ps14536\">11\u00a0253\u00a0309<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps14539 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For the year ended </span><span class=\"f charStyle-33e1c6d6 ps14374\">31 March 2025</span><span class=\"f charStyle-33e1c6d6 ps14538\">, there were insignificant disposals of financial instruments measured at amortised cost.</span></div><div class=\"ps5918 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Fixed rate financial instruments</span></div><div class=\"ps5919 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The fair value of fixed rate financial assets and financial liabilities carried at amortised cost are estimated by comparing spreads </span></div><div class=\"ps5920 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">earned on the transactions with spreads earned on similar new transactions entered into by the Group. The estimated fair value </span></div><div class=\"ps13827 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of\u00a0fixed interest-bearing deposits is based on discounted cash flows, using prevailing money market interest rates for debts </span></div><div class=\"ps13828 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">with\u00a0similar credit risk and maturity. </span></div><div class=\"ps14190 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For quoted subordinated debt issued, the fair values are calculated based on quoted market prices. For those notes issued where </span></div><div class=\"ps14541 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">quoted market prices are not available, a discounted cash flow model is used based on a current interest rate yield curve </span></div><div class=\"ps14542 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">appropriate for the remaining term to maturity.</span></div><div class=\"ps14543 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Certain financial instruments that would normally be carried at fair value continue to be recognised at transaction price. This\u00a0occurs </span></div><div class=\"ps14544 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">when the fair value would normally be determined using valuation techniques which cannot be relied on due to\u00a0insufficient external </span></div><div class=\"ps14545 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">inputs. This results in gains or losses which have not been recognised on-balance sheet.<span class=\"f ps2\"> </span></span></div><div class=\"ps14546 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The following table sets out the Group\u2019s principal level 2 and 3 valuation techniques used in determining the fair value of its </span></div><div class=\"ps14547 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">financial assets and financial liabilities:</span></div><div class=\"ps14573 ss8\"><div class=\"ss1321 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:159.75pt\"></td><td style=\"padding:0;width:159.75pt\"></td><td style=\"padding:0;width:159.75pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps14548 ss1844\"><div><div class=\"ps189 ss1049\"><span class=\"f charStyle-a26246ce ps887\">Valuation basis/techniques<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps14550 ss1844\"><div><div class=\"ps189 ss1049\"><span class=\"f charStyle-a26246ce ps14549\">Main inputs<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1844\"><div><div class=\"ps189 ss1049\"><span class=\"f charStyle-a26246ce ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps213 ss1845\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14551 ss1845\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14552 ss1845\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Yield curve<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps1202 ss1846\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Reverse repurchase agreements and cash <span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">collateral on securities\u00a0borrowed<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps14553 ss1846\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps14554 ss1846\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Yield curve<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rates<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13807 ss1846\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14555 ss1846\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Externally sourced price<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14556 ss1846\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Yield curve<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Externally sourced price<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:32.25pt\"><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps4656 ss1847\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps14557 ss1847\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps14558 ss1847\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Yield curve<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit spread<span class=\"f ps2\"> </span></span></div><div class=\"ps5431 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rates<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14559 ss1846\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14560 ss1846\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14561 ss1846\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit spread<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rates<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps2380 ss1845\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sovereign debt<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps14562 ss1845\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Externally sourced price<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps14563 ss1845\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Externally sourced price<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8640 ss1844\"><div><div class=\"ps189 ss1049\"><span class=\"f charStyle-a26246ce ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:32.25pt\"><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps3341 ss1847\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deposits by banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14564 ss1847\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14565 ss1847\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Yield curve<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit spread<span class=\"f ps2\"> </span></span></div><div class=\"ps5431 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rates<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:32.25pt\"><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps1218 ss1847\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Repurchase agreements and\u00a0cash collateral <span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">on securities lent<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps14566 ss1847\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps14567 ss1847\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Yield curve<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit spread<span class=\"f ps2\"> </span></span></div><div class=\"ps5431 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rates<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:32.25pt\"><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14568 ss1847\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Customer accounts (deposits)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14569 ss1847\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14570 ss1847\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Yield curve<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit spread<span class=\"f ps2\"> </span></span></div><div class=\"ps5431 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rates<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps11264 ss1846\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Debt securities in issue<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps14571 ss1846\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Externally sourced price<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps14572 ss1846\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Yield curve<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Externally sourced price<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFairValueOfFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-915": {
   "value": "<div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_259\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:11.02pt\">11<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps12484\" style=\"width:3.31pt\">.<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps12485\" style=\"width:2.55pt\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps12486\" style=\"width:395.55pt\">Analysis of income and impairments by category of financial instrument<span class=\"f ps2\"> </span></span></div><div class=\"ps72 ss8\"><div class=\"ss1718 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:312pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:36pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps12490 ss1711\"><div><div class=\"ps8325 ss1358\"><span class=\"f charStyle-a26246ce ps12488\">At fair value through <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss1358\"><span class=\"f charStyle-a26246ce ps12489\">profit or loss<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps814 ss1667\"><div><div class=\"ps8329 ss114\"><span class=\"f charStyle-86fcaca6 ps12491\">At fair value <span class=\"f ps2\"> </span></span></div><div class=\"ps8331 ss114\"><span class=\"f charStyle-86fcaca6 ps12492\">through <span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss114\"><span class=\"f charStyle-86fcaca6 ps12493\">comprehensive <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss114\"><span class=\"f charStyle-86fcaca6 ps12494\">income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:32.25pt\"><td style=\"padding:0\"><div class=\"ps824 ss1713\"><div><div class=\"ps3317 ss1712\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12496 ss1714\"><div><div class=\"ps12002 ss296\"><span class=\"f charStyle-8d4b9b37 ps12495\">Mandatory<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2818 ss1715\"><div><div class=\"ps12006 ss114\"><span class=\"f charStyle-8d4b9b37 ps12497\">Designated at <span class=\"f ps2\"> </span></span></div><div class=\"ps12002 ss114\"><span class=\"f charStyle-8d4b9b37 ps12498\">inception<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps829 ss1715\"><div><div class=\"ps12008 ss114\"><span class=\"f charStyle-8d4b9b37 ps11444\">Debt <span class=\"f ps2\"> </span></span></div><div class=\"ps12003 ss114\"><span class=\"f charStyle-8d4b9b37 ps12499\">instruments<span class=\"f ps2\"> </span></span></div><div class=\"ps12004 ss114\"><span class=\"f charStyle-8d4b9b37 ps12500\">with a dual <span class=\"f ps2\"> </span></span></div><div class=\"ps12006 ss114\"><span class=\"f charStyle-8d4b9b37 ps12501\">business<span class=\"f ps2\"> </span></span></div><div class=\"ps12002 ss114\"><span class=\"f charStyle-8d4b9b37 ps12502\">model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps192 ss1716\"><div><div class=\"ps809 ss1712\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps2501 ss1717\"><div><div class=\"ps997 ss1712\"><span class=\"f charStyle-b7f6e8e5 ps7\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3472 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interest income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps8588 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.06pt\"></span></span><span class=\"ps12503\">125\u00a0405<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9676 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12504 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.98pt\"></span></span><span class=\"ps5937\">252\u00a0965<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3477 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interest expense<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps8595 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.7pt\"></span></span><span class=\"ps12505\">(34\u00a0525)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9678 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12506 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1217 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fee and commission income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps8603 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.67pt\"></span></span><span class=\"ps11540\">19\u00a0164<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9681 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12507 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3485 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fee and commission expense<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps8610 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9683 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12508 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3334 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps8617 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.55pt\"></span></span><span class=\"ps11914\">28\u00a0619<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9684 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12510 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.48pt\"></span></span><span class=\"ps12509\">(3\u00a0078)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9686 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Share of post-taxation profit of associates and joint venture holdings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps8624 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9688 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12511 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4482 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Trading income/(loss) arising from<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9692 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-9458d4de ps680\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps681\">customer flow<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps8636 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.79pt\"></span></span><span class=\"ps11325\">97\u00a0461<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9693 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12512 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8640 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-9458d4de ps680\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps681\">balance sheet management and other trading activities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12513 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.37pt\"></span></span><span class=\"ps3967\">10\u00a0408<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9696 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12514 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12190 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other operating income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12515 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12192 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12516 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12194 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total operating income/(expense) before expected credit loss<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps12517 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.84pt\"></span></span><span class=\"ps9494\">246\u00a0532<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps12196 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.31pt\"></span></span><span class=\"ps12518\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps12520 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.97pt\"></span></span><span class=\"ps12519\">249\u00a0887<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12198 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Expected credit loss impairments charges<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12521 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12199 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12522 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.68pt\"></span></span><span class=\"ps5563\">5\u00a0077<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12202 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-b7f6e8e5 ps7\">Operating income/(expense)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12523 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.84pt\"></span></span><span class=\"ps9494\">246\u00a0532<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12204 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.31pt\"></span></span><span class=\"ps12518\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12525 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.47pt\"></span></span><span class=\"ps12524\">254\u00a0964<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps12580 ss8\"><div class=\"ss218 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:312pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:33pt\"><td style=\"padding:0\"><div class=\"ps19 ss1719\"><div><div class=\"ps12527 ss1712\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12490 ss1720\"><div><div class=\"ps12529 ss114\"><span class=\"f charStyle-8d4b9b37 ps12528\">Mandatory*<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12531 ss1720\"><div><div class=\"ps12530 ss114\"><span class=\"f charStyle-8d4b9b37 ps12497\">Designated at <span class=\"f ps2\"> </span></span></div><div class=\"ps12529 ss114\"><span class=\"f charStyle-8d4b9b37 ps12498\">inception<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12535 ss1720\"><div><div class=\"ps12532 ss114\"><span class=\"f charStyle-8d4b9b37 ps11444\">Debt <span class=\"f ps2\"> </span></span></div><div class=\"ps12533 ss114\"><span class=\"f charStyle-8d4b9b37 ps12499\">instruments<span class=\"f ps2\"> </span></span></div><div class=\"ps12534 ss114\"><span class=\"f charStyle-8d4b9b37 ps12500\">with a dual <span class=\"f ps2\"> </span></span></div><div class=\"ps12530 ss114\"><span class=\"f charStyle-8d4b9b37 ps12501\">business<span class=\"f ps2\"> </span></span></div><div class=\"ps12529 ss114\"><span class=\"f charStyle-8d4b9b37 ps12502\">model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps1201 ss1716\"><div><div class=\"ps809 ss1712\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3428 ss1717\"><div><div class=\"ps997 ss1712\" style=\"font-size:12pt\"><span class=\"f charStyle-13225c7c ps7\">2025</span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4468 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-9458d4de ps7\">Interest income</span><span class=\"f charStyle-70e7a25b ps12536\"><span class=\"f ps2\"> </span><sup>^</sup></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11296 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.55pt\"></span></span><span class=\"ps12537\">144\u00a0030<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12538 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12540 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.7pt\"></span></span><span class=\"ps12539\">235\u00a0290<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4084 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-9458d4de ps7\">Interest expense</span><span class=\"f charStyle-70e7a25b ps12541\"><span class=\"f ps2\"> </span><sup>^</sup></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12542 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.09pt\"></span></span><span class=\"ps8324\">(67\u00a0699)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12543 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12544 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4676 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fee and commission income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12545 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.78pt\"></span></span><span class=\"ps11512\">18\u00a0621<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12546 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12547 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3327 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fee and commission expense<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12548 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12549 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12550 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps7432 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12551 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.95pt\"></span></span><span class=\"ps12178\">49\u00a0346<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12553 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.52pt\"></span></span><span class=\"ps12552\">(60)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12554 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.56pt\"></span></span><span class=\"ps11958\">228<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12168 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Share of post-taxation profit of associates and joint venture holdings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12555 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12556 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12557 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8389 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Trading income/(loss) arising from<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12558 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-9458d4de ps680\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps681\">customer flow<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12559 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.29pt\"></span></span><span class=\"ps9484\">93\u00a0859<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12560 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12561 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12562 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-9458d4de ps680\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps681\">balance sheet management and other trading activities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12564 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.89pt\"></span></span><span class=\"ps12563\">15\u00a0565<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12565 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12566 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3669 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other operating income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12567 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12568 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps12569 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9817 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total operating income/(expense) before expected credit loss<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps12570 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.69pt\"></span></span><span class=\"ps11599\">253\u00a0722<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps12572 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.64pt\"></span></span><span class=\"ps12571\">(60)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps12573 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.14pt\"></span></span><span class=\"ps11498\">235\u00a0518<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4596 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Expected credit loss impairments charges<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12574 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12575 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12576 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.29pt\"></span></span><span class=\"ps11081\">(9\u00a0886)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps346 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-b7f6e8e5 ps7\">Operating income/(expense)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12577 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.69pt\"></span></span><span class=\"ps11599\">253\u00a0722<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12578 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.64pt\"></span></span><span class=\"ps12571\">(60)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12579 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.2pt\"></span></span><span class=\"ps9975\">225\u00a0632<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps12581 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Historically, the Group has split fair value through profit and loss assets and liabilities into trading and non-trading, as defined by regulatory rules for the trading book </span></span></div><div class=\"ps12582 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">and banking book requirements, respectively, other than derivatives, which were all classified as trading. Given recent changes in regulations and that within the </span></div><div class=\"ps12583 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">business, the Group no longer uses this disclosure, the columns have been combined. </span></div></div><div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_262\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:12.64pt\">12<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps12724\" style=\"width:3.31pt\">.<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps12725\" style=\"width:2.55pt\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps12726\" style=\"width:427.3pt\">Analysis of financial assets and liabilities by category of financial instruments<span class=\"f ps2\"> </span></span></div><div class=\"ps72 ss8\"><div class=\"ss218 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:312pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:35.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps12490 ss1724\"><div><div class=\"ps11283 ss1723\"><span class=\"f charStyle-a26246ce ps12727\">At fair value through<span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1723\"><span class=\"f charStyle-a26246ce ps11119\"> profit or loss<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps12535 ss1632\"><div><div class=\"ps11287 ss114\"><span class=\"f charStyle-86fcaca6 ps12491\">At fair value <span class=\"f ps2\"> </span></span></div><div class=\"ps11288 ss114\"><span class=\"f charStyle-86fcaca6 ps12492\">through <span class=\"f ps2\"> </span></span></div><div class=\"ps11283 ss114\"><span class=\"f charStyle-86fcaca6 ps12493\">comprehensive <span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss114\"><span class=\"f charStyle-86fcaca6 ps12494\">income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:26.25pt\"><td style=\"padding:0\"><div class=\"ps11452 ss1725\"><div><div class=\"ps12728 ss1712\"><span class=\"f charStyle-a26246ce ps7\">At 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12730 ss1667\"><div><div class=\"ps8321 ss114\"><span class=\"f charStyle-8d4b9b37 ps12729\">Mandatory<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12732 ss1667\"><div><div class=\"ps8331 ss114\"><span class=\"f charStyle-6f1c08a8 ps12497\">Designated at <span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss114\"><span class=\"f charStyle-6f1c08a8 ps866\">initial <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss114\"><span class=\"f charStyle-6f1c08a8 ps12731\">recognition<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12735 ss1667\"><div><div class=\"ps8329 ss114\"><span class=\"f charStyle-8d4b9b37 ps11444\">Debt <span class=\"f ps2\"> </span></span></div><div class=\"ps8331 ss114\"><span class=\"f charStyle-8d4b9b37 ps12733\">instrument with <span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss114\"><span class=\"f charStyle-8d4b9b37 ps12734\">dual business <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss114\"><span class=\"f charStyle-8d4b9b37 ps12502\">model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps335 ss1726\"><div><div class=\"ps4014 ss1712\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps4084 ss1717\"><div><div class=\"ps997 ss1712\"><span class=\"f charStyle-b7f6e8e5 ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1597 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cash and balances at central banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11313 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12736 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12737 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3751 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11322 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12738 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12739 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3757 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Reverse repurchase agreements and cash collateral on securities borrowed<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11330 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12740 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12741 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3763 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12743 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.68pt\"></span></span><span class=\"ps12742\">259<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12744 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12745 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.63pt\"></span></span><span class=\"ps3525\">1\u00a0680\u00a0799<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12746 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Bank debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12747 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12748 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12749 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.82pt\"></span></span><span class=\"ps9436\">473\u00a0920<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12750 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12751 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.41pt\"></span></span><span class=\"ps9239\">41\u00a0909<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12752 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12753 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.21pt\"></span></span><span class=\"ps8424\">8\u00a0753<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12754 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12755 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.07pt\"></span></span><span class=\"ps9449\">354\u00a0121<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12756 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12757 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9812 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securities arising from trading activities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12758 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.3pt\"></span></span><span class=\"ps9455\">44\u00a0723<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12759 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12760 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12761 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12762 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.7pt\"></span></span><span class=\"ps12539\">808\u00a0998<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12763 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12765 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.78pt\"></span></span><span class=\"ps12764\">2\u00a0668\u00a0677<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12766 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fair value adjustment for asset portfolio hedged risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12767 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.14pt\"></span></span><span class=\"ps9466\">(20\u00a0507)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12768 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12769 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3341 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12770 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12771 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12772 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12773 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12774 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.57pt\"></span></span><span class=\"ps5649\">202\u00a0838<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12775 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12776 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11371 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interests in associated undertakings and joint venture holdings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11378 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12777 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12778 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12779 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Current taxation assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12780 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12781 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12782 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12783 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deferred taxation assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12784 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12785 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12786 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12787 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12789 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.12pt\"></span></span><span class=\"ps12788\">8\u00a0199<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12790 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12791 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12792 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Property and equipment<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12793 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12794 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12795 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12796 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Goodwill<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12797 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12798 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12799 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12800 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Software<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12801 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12802 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12803 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps12805 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.29pt\"></span></span><span class=\"ps12804\">1\u00a0440\u00a0540<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps12806 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.31pt\"></span></span><span class=\"ps12518\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps12808 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.96pt\"></span></span><span class=\"ps12807\">4\u00a0832\u00a0149<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8672 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-b7f6e8e5 ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12809 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deposits by banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12810 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12811 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12812 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12813 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12814 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.95pt\"></span></span><span class=\"ps9521\">419\u00a0205<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12815 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12816 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12817 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other trading liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12818 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.41pt\"></span></span><span class=\"ps9239\">19\u00a0409<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12819 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12820 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12821 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Repurchase agreements and cash collateral on securities lent<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12822 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12823 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12824 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12825 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Customer accounts (deposits)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12826 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12827 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12828 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12321 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fair value adjustment for liability portfolio hedged risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12829 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.91pt\"></span></span><span class=\"ps9536\">(10\u00a0395)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12830 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12831 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12324 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Debt securities in issue<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12832 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12833 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12834 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12835 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Current taxation liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12836 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12837 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12838 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12839 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12840 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12841 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12842 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps12843 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.99pt\"></span></span><span class=\"ps11746\">428\u00a0219<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps12844 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.31pt\"></span></span><span class=\"ps12518\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps12845 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.31pt\"></span></span><span class=\"ps12518\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9914 ss1716\"><div><div class=\"ps815 ss1712\"><span class=\"f charStyle-2b0f4fe0 ps7\">Subordinated liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12846 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12847 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12848 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12849 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.99pt\"></span></span><span class=\"ps11746\">428\u00a0219<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12850 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.31pt\"></span></span><span class=\"ps12518\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12851 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.31pt\"></span></span><span class=\"ps12518\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps12862 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For more information on hedges, please refer to <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps12852\">note<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps12853\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps12854\">47<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps12855\"> on <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps12856\">pages</span><span class=\"f charStyle-33e1c6d6 ps12857\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-c4fc3a3f ps12858\"><a class=\"Hyperlink\" href=\"#iccba24ea0cd14a1fbe74568356c33a8e_385\" style=\"z-index:1\">141</a><span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps12859\"> to <span class=\"f ps2\"> </span></span><span class=\"f charStyle-c4fc3a3f ps12860\"><a class=\"Hyperlink\" href=\"#i1f51e261b00c41a8bf6869a3b29c9a60_1070\" style=\"z-index:1\">145</a></span><span class=\"f charStyle-33e1c6d6 ps12861\">.</span></div></div><div class=\"ps8704 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:313.5pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:60.75pt\"></td></tr><tr style=\"height:36pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps13033 ss1727\"><div><div class=\"ps8325 ss1723\"><span class=\"f charStyle-a26246ce ps12727\">At fair value through<span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss1723\"><span class=\"f charStyle-a26246ce ps11119\"> profit or loss<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps13037 ss1728\"><div><div class=\"ps8329 ss641\"><span class=\"f charStyle-86fcaca6 ps13034\">At fair value <span class=\"f ps2\"> </span></span></div><div class=\"ps8331 ss641\"><span class=\"f charStyle-86fcaca6 ps3712\">through <span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss641\"><span class=\"f charStyle-86fcaca6 ps13035\">comprehensive <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss641\"><span class=\"f charStyle-86fcaca6 ps13036\">income<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:26.25pt\"><td style=\"padding:0\"><div class=\"ps824 ss1730\"><div><div class=\"ps12728 ss1729\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">At </span><span class=\"f charStyle-ef17fa27 ps13038\">31 March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13040 ss1731\"><div><div class=\"ps13039 ss114\"><span class=\"f charStyle-8d4b9b37 ps12528\">Mandatory*<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13043 ss1731\"><div><div class=\"ps13041 ss114\"><span class=\"f charStyle-6f1c08a8 ps12497\">Designated at <span class=\"f ps2\"> </span></span></div><div class=\"ps13042 ss114\"><span class=\"f charStyle-6f1c08a8 ps866\">initial <span class=\"f ps2\"> </span></span></div><div class=\"ps13039 ss114\"><span class=\"f charStyle-6f1c08a8 ps12731\">recognition<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13045 ss1732\"><div><div class=\"ps13041 ss641\"><span class=\"f charStyle-8d4b9b37 ps6280\">Debt instrument <span class=\"f ps2\"> </span></span></div><div class=\"ps13042 ss641\"><span class=\"f charStyle-8d4b9b37 ps9381\">with dual <span class=\"f ps2\"> </span></span></div><div class=\"ps13039 ss641\"><span class=\"f charStyle-8d4b9b37 ps13044\">business model<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps4003 ss1733\"><div><div class=\"ps809 ss1729\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps4562 ss1734\"><div><div class=\"ps997 ss1729\"><span class=\"f charStyle-b7f6e8e5 ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13046 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cash and balances at central banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13047 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13048 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13050 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13051 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13052 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13053 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13054 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13055 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Reverse repurchase agreements and cash collateral on securities borrowed<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13056 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.41pt\"></span></span><span class=\"ps9239\">56\u00a0413<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13057 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13058 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13059 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13060 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13061 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13063 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.76pt\"></span></span><span class=\"ps13062\">1\u00a0335\u00a0652<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps130 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Bank debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13064 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13065 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13067 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.58pt\"></span></span><span class=\"ps13066\">324\u00a0179<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11521 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13068 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.42pt\"></span></span><span class=\"ps9257\">49\u00a0736<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13069 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13071 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.44pt\"></span></span><span class=\"ps13070\">8\u00a0777<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13072 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13073 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.98pt\"></span></span><span class=\"ps99\">299\u00a0281<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13074 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13075 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13076 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securities arising from trading activities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13077 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.1pt\"></span></span><span class=\"ps9457\">149\u00a0912<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13078 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13079 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11346 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13080 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.45pt\"></span></span><span class=\"ps11597\">571\u00a0929<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13081 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13083 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.46pt\"></span></span><span class=\"ps13082\">2\u00a0005\u00a0308<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11354 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13084 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13085 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13086 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9827 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13087 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.82pt\"></span></span><span class=\"ps9321\">213\u00a0260<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13088 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13089 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps6665 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interests in associated undertakings and joint venture holdings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13090 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13091 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13092 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13093 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Current taxation assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13094 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13095 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13096 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13097 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deferred taxation assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13098 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13099 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13100 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13101 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13103 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.5pt\"></span></span><span class=\"ps13102\">4\u00a0336<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13104 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13105 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13106 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Property and equipment<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13107 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13108 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13109 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2410 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Goodwill<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13110 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13111 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13112 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2414 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Software<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13113 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13114 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13115 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13117 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.22pt\"></span></span><span class=\"ps13116\">1\u00a0344\u00a0867<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13118 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.31pt\"></span></span><span class=\"ps12518\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13120 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.99pt\"></span></span><span class=\"ps13119\">3\u00a0673\u00a0916<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2422 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-b7f6e8e5 ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13121 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deposits by banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13122 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13123 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13124 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9866 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13125 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.57pt\"></span></span><span class=\"ps9523\">274\u00a0791<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13126 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13127 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13128 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other trading liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13129 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.44pt\"></span></span><span class=\"ps9527\">16\u00a0242<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13130 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13131 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13132 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Repurchase agreements and cash collateral on securities lent<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13133 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13134 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13135 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13136 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Customer accounts (deposits)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13137 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13138 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13139 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13140 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Debt securities in issue<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13141 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13142 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13143 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1388 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Current taxation liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13144 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13145 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13146 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13147 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13148 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13149 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13150 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13152 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.7pt\"></span></span><span class=\"ps13151\">291\u00a0033<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13153 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.31pt\"></span></span><span class=\"ps12518\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13155 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:46.81pt\"></span></span><span class=\"ps13154\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13156 ss1733\"><div><div class=\"ps815 ss1729\"><span class=\"f charStyle-2b0f4fe0 ps7\">Subordinated liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13157 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13158 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13159 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.28pt\"></span></span><span class=\"ps13049\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13160 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.7pt\"></span></span><span class=\"ps13151\">291\u00a0033<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13161 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.31pt\"></span></span><span class=\"ps12518\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13162 ss1735\"><div><div class=\"ps815 ss641\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:46.81pt\"></span></span><span class=\"ps13154\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps13163 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Historically, the Group has split fair value through profit and loss assets and liabilities into trading and non-trading, as defined by regulatory rules for the trading book </span></span></div><div class=\"ps13164 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">and banking book requirements, respectively, other than derivatives, which were all classified as trading. Given recent changes in regulations and that within the </span></div><div class=\"ps13165 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">business, the Group no longer uses this disclosure, the columns have been combined. </span></div><div class=\"ps13167 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For more information on hedges, please refer to </span><span class=\"f charStyle-33e1c6d6 ps12852\">note</span><span class=\"f charStyle-33e1c6d6 ps12853\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps12854\">47</span><span class=\"f charStyle-33e1c6d6 ps12855\"> on </span><span class=\"f charStyle-33e1c6d6 ps12856\">pages</span><span class=\"f charStyle-33e1c6d6 ps12857\"> </span><span class=\"f charStyle-c4fc3a3f ps12858\"><a class=\"Hyperlink\" href=\"#iccba24ea0cd14a1fbe74568356c33a8e_385\" style=\"z-index:1\">141</a><span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps12859\"> to </span><span class=\"f charStyle-c4fc3a3f ps12860\"><a class=\"Hyperlink\" href=\"#i1f51e261b00c41a8bf6869a3b29c9a60_1070\" style=\"z-index:1\">145</a><span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps12861\">.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-919": {
   "value": "<div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_265\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">13<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps13314\">.<span class=\"f ps2\"> </span><span id=\"ibffbad9e27df4a1cb2c3782704227d4a_7023\"></span></span><span class=\"f charStyle-f6a3ab10 ps13315\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps13316\">Fair value hierarchy<span class=\"f ps2\"> </span></span></div><div class=\"ps979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The table below analyses recurring fair value measurements for financial assets and financial liabilities. These fair value <span class=\"f ps2\"> </span></span></div><div class=\"ps980 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">measurements are categorised into different levels in the fair value hierarchy based on the inputs to the valuation technique used. <span class=\"f ps2\"> </span></span></div><div class=\"ps981 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The different levels are identified as follows:<span class=\"f ps2\"> </span></span></div><div class=\"ps4871 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">Level 1</span><span class=\"f charStyle-33e1c6d6 ps13317\"> \u2013 quoted (unadjusted) prices in active markets for identical assets or liabilities.<span class=\"f ps2\"> </span></span></div><div class=\"ps8136 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">Level 2<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps13318\"> \u2013 inputs other than quoted prices included within level 1 that are observable for the asset or liability, either directly</span></div><div class=\"ps4873 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6\"><span class=\"ps699\"><span style=\"display:inline-block;height:7.75pt;width:36.08pt\"></span></span><span class=\"ps6985\">(i.e. as prices) or indirectly (i.e. derived from prices).</span></span></div><div class=\"ps8840 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">Level 3</span><span class=\"f charStyle-33e1c6d6 ps13319\"> \u2013 inputs for the asset or liability that are not based on observable market data (unobservable inputs).</span></div><div class=\"ps13401 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:261.75pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps13321 ss1738\"><div><div class=\"ps809 ss1737\"><span class=\"f charStyle-a26246ce ps13320\">Fair value category<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"padding:0\"><div class=\"ps816 ss1740\"><div><div class=\"ps13322 ss1739\"><span class=\"f charStyle-a26246ce ps7\">At 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13325 ss1741\"><div><div class=\"ps989 ss114\"><span class=\"f charStyle-a26246ce ps11290\">Total<span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss114\"><span class=\"f charStyle-a26246ce ps13323\"> instruments at<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss114\"><span class=\"f charStyle-a26246ce ps13324\"> fair value<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11854 ss297\"><div><div class=\"ps983 ss296\"><span class=\"f charStyle-6f1c08a8 ps13326\">Level 1<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11855 ss297\"><div><div class=\"ps983 ss296\"><span class=\"f charStyle-6f1c08a8 ps13327\">Level 2<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13329 ss1741\"><div><div class=\"ps983 ss114\"><span class=\"f charStyle-6f1c08a8 ps13328\">Level 3<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2482 ss1742\"><div><div class=\"ps4014 ss1739\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3588 ss1743\"><div><div class=\"ps997 ss1739\"><span class=\"f charStyle-b7f6e8e5 ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1006 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13330 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.61pt\"></span></span><span class=\"ps7428\">1\u00a0681\u00a0058<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13331 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.61pt\"></span></span><span class=\"ps12890\">1\u00a0681\u00a0058<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13332 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps1009 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1010 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Bank debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13333 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.82pt\"></span></span><span class=\"ps9436\">473\u00a0920<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13334 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.82pt\"></span></span><span class=\"ps12896\">473\u00a0920<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13335 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps1013 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1014 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13336 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.41pt\"></span></span><span class=\"ps8328\">50\u00a0662<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13337 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.21pt\"></span></span><span class=\"ps4570\">8\u00a0753<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13339 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.75pt\"></span></span><span class=\"ps13338\">3\u00a0945<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps1017 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.42pt\"></span></span><span class=\"ps9257\">37\u00a0964<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1018 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13340 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.07pt\"></span></span><span class=\"ps9449\">354\u00a0121<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13341 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13343 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.31pt\"></span></span><span class=\"ps13342\">352\u00a0747<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps1021 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.22pt\"></span></span><span class=\"ps11592\">1\u00a0374<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1022 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securities arising from trading activities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13344 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.3pt\"></span></span><span class=\"ps9455\">44\u00a0723<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13345 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.3pt\"></span></span><span class=\"ps11877\">44\u00a0723<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13346 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps1025 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12075 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13348 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.99pt\"></span></span><span class=\"ps13347\">3\u00a0477\u00a0675<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13349 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13351 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.06pt\"></span></span><span class=\"ps13350\">34\u00a0682<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13353 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.57pt\"></span></span><span class=\"ps13352\">3\u00a0442\u00a0993<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps341 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fair value adjustment for asset portfolio hedged risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13354 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.14pt\"></span></span><span class=\"ps9466\">(20\u00a0507)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13355 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.14pt\"></span></span><span class=\"ps12920\">(20\u00a0507)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11712 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13356 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.57pt\"></span></span><span class=\"ps9475\">414\u00a0380<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13357 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.32pt\"></span></span><span class=\"ps9255\">211\u00a0545<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13358 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.75pt\"></span></span><span class=\"ps891\">730<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13359 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.04pt\"></span></span><span class=\"ps11834\">202\u00a0105<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps49 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13360 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.12pt\"></span></span><span class=\"ps12788\">8\u00a0199<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13362 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.1pt\"></span></span><span class=\"ps13361\">3\u00a0782<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13363 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13364 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.24pt\"></span></span><span class=\"ps9304\">4\u00a0417<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13365 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.96pt\"></span></span><span class=\"ps12807\">6\u00a0484\u00a0231<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13367 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.81pt\"></span></span><span class=\"ps13366\">2\u00a0423\u00a0781<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13369 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.77pt\"></span></span><span class=\"ps13368\">371\u00a0597<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13371 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.84pt\"></span></span><span class=\"ps13370\">3\u00a0688\u00a0853<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3338 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-b7f6e8e5 ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13372 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13373 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.95pt\"></span></span><span class=\"ps9521\">419\u00a0205<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13374 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13375 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.44pt\"></span></span><span class=\"ps9527\">418\u00a0671<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13377 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.42pt\"></span></span><span class=\"ps13376\">534<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13378 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other trading liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13379 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.41pt\"></span></span><span class=\"ps9239\">19\u00a0409<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13380 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.41pt\"></span></span><span class=\"ps12687\">19\u00a0409<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13381 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13382 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13383 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fair value adjustment for liability portfolio hedged risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13384 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.91pt\"></span></span><span class=\"ps9536\">(10\u00a0395)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13385 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13386 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.91pt\"></span></span><span class=\"ps9679\">(10\u00a0395)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13387 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13388 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.99pt\"></span></span><span class=\"ps11746\">428\u00a0219<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13389 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.27pt\"></span></span><span class=\"ps11901\">19\u00a0409<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13390 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.76pt\"></span></span><span class=\"ps12005\">408\u00a0276<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13392 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.96pt\"></span></span><span class=\"ps13391\">534<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13393 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net assets at fair value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13395 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.91pt\"></span></span><span class=\"ps13394\">6\u00a0056\u00a0012<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13397 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.19pt\"></span></span><span class=\"ps13396\">2\u00a0404\u00a0372<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13398 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.77pt\"></span></span><span class=\"ps13368\">(36\u00a0679)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13400 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10pt\"></span></span><span class=\"ps13399\">3\u00a0688\u00a0319<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps13402 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Loans and advances to customers at fair value include instruments where the business model is either to sell the loan or where the business model is to hold to collect </span></span></div><div class=\"ps13403 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">the contractual cash flows but the loan has failed the SPPI test.</span></div><div class=\"ps13404 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Transfers between level 1 and level 2</span></div><div class=\"ps13405 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">During the current year there were no transfers between level 1 and level 2.</span></div></div><div class=\"ps11275 ss8\"><div class=\"ss218 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:255.75pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps13408 ss1738\"><div><div class=\"ps809 ss1737\"><span class=\"f charStyle-a26246ce ps13320\">Fair value category<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"padding:0\"><div class=\"ps816 ss1745\"><div><div class=\"ps13322 ss29\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">At </span><span class=\"f charStyle-ef17fa27 ps13038\">31 March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12367 ss1741\"><div><div class=\"ps989 ss114\"><span class=\"f charStyle-a26246ce ps11290\">Total<span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss114\"><span class=\"f charStyle-a26246ce ps13323\"> instruments at<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss114\"><span class=\"f charStyle-a26246ce ps13324\"> fair value<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11109 ss297\"><div><div class=\"ps983 ss296\"><span class=\"f charStyle-6f1c08a8 ps13326\">Level 1<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11111 ss297\"><div><div class=\"ps983 ss296\"><span class=\"f charStyle-6f1c08a8 ps13327\">Level 2<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13409 ss1741\"><div><div class=\"ps983 ss114\"><span class=\"f charStyle-6f1c08a8 ps13328\">Level 3<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2482 ss1746\"><div><div class=\"ps4014 ss29\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3588 ss1698\"><div><div class=\"ps997 ss29\"><span class=\"f charStyle-b7f6e8e5 ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps1006 ss33\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Reverse repurchase agreements and cash collateral on securities <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">borrowed<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13410 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.41pt\"></span></span><span class=\"ps9239\">56\u00a0413<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13411 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13412 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.41pt\"></span></span><span class=\"ps12687\">56\u00a0413<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps4799 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3844 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13413 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.26pt\"></span></span><span class=\"ps9201\">1\u00a0335\u00a0652<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13414 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.26pt\"></span></span><span class=\"ps10531\">1\u00a0335\u00a0652<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13415 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13416 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13417 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Bank debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13418 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.08pt\"></span></span><span class=\"ps9438\">324\u00a0179<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13419 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.08pt\"></span></span><span class=\"ps5540\">324\u00a0179<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13420 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13421 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4807 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13423 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.63pt\"></span></span><span class=\"ps13422\">58\u00a0513<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13424 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.94pt\"></span></span><span class=\"ps12297\">8\u00a0777<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13426 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.95pt\"></span></span><span class=\"ps13425\">2\u00a0050<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps4811 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.55pt\"></span></span><span class=\"ps12673\">47\u00a0686<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3328 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps10020 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.98pt\"></span></span><span class=\"ps99\">299\u00a0281<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13427 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13428 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.76pt\"></span></span><span class=\"ps9988\">292\u00a0929<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps4815 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.87pt\"></span></span><span class=\"ps13429\">6\u00a0352<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1026 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securities arising from trading activities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13430 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.1pt\"></span></span><span class=\"ps9457\">149\u00a0912<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13431 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.1pt\"></span></span><span class=\"ps13201\">149\u00a0912<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13432 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13433 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1027 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13435 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.11pt\"></span></span><span class=\"ps13434\">2\u00a0577\u00a0237<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13436 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13437 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.29pt\"></span></span><span class=\"ps13227\">45\u00a0099<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13439 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.14pt\"></span></span><span class=\"ps13438\">2\u00a0532\u00a0138<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1031 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13440 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.93pt\"></span></span><span class=\"ps9477\">347\u00a0590<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13441 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.84pt\"></span></span><span class=\"ps11716\">135\u00a0264<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13443 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.57pt\"></span></span><span class=\"ps13442\">962<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13445 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.96pt\"></span></span><span class=\"ps13444\">211\u00a0364<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1035 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13446 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.5pt\"></span></span><span class=\"ps13102\">4\u00a0336<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13447 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.5pt\"></span></span><span class=\"ps13235\">4\u00a0336<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13448 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13449 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13451 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.8pt\"></span></span><span class=\"ps13450\">5\u00a0153\u00a0113<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13452 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.4pt\"></span></span><span class=\"ps11483\">1\u00a0958\u00a0120<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13454 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.88pt\"></span></span><span class=\"ps13453\">397\u00a0453<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13456 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.69pt\"></span></span><span class=\"ps13455\">2\u00a0797\u00a0540<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1042 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-b7f6e8e5 ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1046 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13457 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.57pt\"></span></span><span class=\"ps9523\">274\u00a0791<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13458 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13459 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.85pt\"></span></span><span class=\"ps12203\">273\u00a0964<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13461 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.91pt\"></span></span><span class=\"ps13460\">827<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1050 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other trading liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13462 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.44pt\"></span></span><span class=\"ps9527\">16\u00a0242<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13463 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.44pt\"></span></span><span class=\"ps13268\">16\u00a0242<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13464 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13465 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13466 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.7pt\"></span></span><span class=\"ps13151\">291\u00a0033<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13468 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.94pt\"></span></span><span class=\"ps13467\">16\u00a0242<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13469 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.98pt\"></span></span><span class=\"ps99\">273\u00a0964<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13471 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.68pt\"></span></span><span class=\"ps13470\">827<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps1058 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net assets at fair value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13473 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.38pt\"></span></span><span class=\"ps13472\">4\u00a0862\u00a0080<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13475 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.62pt\"></span></span><span class=\"ps13474\">1\u00a0941\u00a0878<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13477 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.77pt\"></span></span><span class=\"ps13476\">123\u00a0489<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13479 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.2pt\"></span></span><span class=\"ps13478\">2\u00a0796\u00a0713<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps13480 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Loans and advances to customers at fair value include instruments where the business model is either to sell the loan or where the business model is to hold to collect </span></span></div><div class=\"ps13481 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">the contractual cash flows but the loan has failed the SPPI test.</span></div><div class=\"ps13483 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Transfers between level 1 and level 2</span></div><div class=\"ps13484 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">During the prior year there were no transfers between level 1 and level 2.</span></div><div class=\"ps5918 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-b9f48ea1 ps23\" style=\"width:90.81pt\">Level 3 instruments</span></div><div class=\"ps5919 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The following table is a reconciliation of the opening balances to the closing balances for the fair value measurements in level 3 of </span></div><div class=\"ps5920 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the fair value hierarchy:</span></div><div class=\"ps13675 ss8\"><div class=\"ss1764 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:239.25pt\"></td><td style=\"padding:0;width:48pt\"></td><td style=\"padding:0;width:48pt\"></td><td style=\"padding:0;width:48pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:59.25pt\"></td></tr><tr style=\"height:18pt\"><td style=\"padding:0\"><div class=\"ps19 ss1748\"><div><div class=\"ps13322 ss1747\"><span class=\"f charStyle-a26246ce ps7\">For the year to<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3272 ss1749\"><div><div class=\"ps985 ss936\"><span class=\"f charStyle-6f1c08a8 ps13486\">Investment<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss936\"><span class=\"f charStyle-6f1c08a8 ps13487\"> portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13490 ss1749\"><div><div class=\"ps989 ss936\"><span class=\"f charStyle-6f1c08a8 ps13488\">Loans and<span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss936\"><span class=\"f charStyle-6f1c08a8 ps11634\"> advances to<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss936\"><span class=\"f charStyle-6f1c08a8 ps13489\"> customers<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13494 ss1749\"><div><div class=\"ps989 ss936\"><span class=\"f charStyle-6f1c08a8 ps13491\">Other <span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss936\"><span class=\"f charStyle-6f1c08a8 ps13492\">securitised</span></div><div class=\"ps983 ss936\"><span class=\"f charStyle-6f1c08a8 ps13493\"> assets<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13497 ss1751\"><div><div class=\"ps985 ss1750\"><span class=\"f charStyle-6f1c08a8 ps13495\">Other balance<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss1750\"><span class=\"f charStyle-6f1c08a8 ps9654\"> sheet assets<span class=\"f ps2\"> </span></span><span class=\"f charStyle-74272f2c ps13496\"><span class=\"f ps2\"> </span><sup>1</sup></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13498 ss1752\"><div><div class=\"ps4014 ss1747\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13500 ss1754\"><div><div class=\"ps4014 ss1753\"><span class=\"f charStyle-ef17fa27 ps13499\">Total<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps998 ss1756\"><div><div class=\"ps997 ss1755\"><span class=\"f charStyle-b7f6e8e5 ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1002 ss1757\"><div><div class=\"ps815 ss1747\" style=\"font-size:12pt\"><span class=\"f charStyle-13225c7c ps7\">Balance as at 1 April </span><span class=\"f charStyle-13225c7c ps13501\">2024<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13502 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.71pt\"></span></span><span class=\"ps12125\">244\u00a0975<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13504 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:4.76pt\"></span></span><span class=\"ps13503\">2\u00a0042\u00a0150<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13505 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.59pt\"></span></span><span class=\"ps5377\">66\u00a0702<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13507 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.26pt\"></span></span><span class=\"ps13506\">70\u00a0184<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13509 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.25pt\"></span></span><span class=\"ps13508\">2\u00a0424\u00a0011<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1006 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Net gains/(losses) in the income statement^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13511 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.4pt\"></span></span><span class=\"ps13510\">23\u00a0975<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13513 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.58pt\"></span></span><span class=\"ps13512\">209\u00a0554<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13514 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.55pt\"></span></span><span class=\"ps8478\">724<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13516 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.49pt\"></span></span><span class=\"ps13515\">2\u00a0132<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13518 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.58pt\"></span></span><span class=\"ps13517\">236\u00a0385<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps1010 ss1760\"><div><div class=\"ps9695 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Interest income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13519 ss1761\"><div><div class=\"ps9695 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13521 ss1761\"><div><div class=\"ps9695 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.03pt\"></span></span><span class=\"ps13520\">210\u00a0079<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13522 ss1761\"><div><div class=\"ps9695 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13524 ss1762\"><div><div class=\"ps9695 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.58pt\"></span></span><span class=\"ps13523\">3\u00a0357<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13525 ss1763\"><div><div class=\"ps9695 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.59pt\"></span></span><span class=\"ps11443\">213\u00a0436<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps3527 ss1760\"><div><div class=\"ps9695 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Investment income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps13526 ss1761\"><div><div class=\"ps9695 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.4pt\"></span></span><span class=\"ps13510\">23\u00a0975<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13528 ss1761\"><div><div class=\"ps9695 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.95pt\"></span></span><span class=\"ps13527\">(525)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13529 ss1761\"><div><div class=\"ps9695 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.55pt\"></span></span><span class=\"ps8478\">724<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13530 ss1762\"><div><div class=\"ps9695 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.68pt\"></span></span><span class=\"ps5563\">(531)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps13532 ss1763\"><div><div class=\"ps9695 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.93pt\"></span></span><span class=\"ps13531\">23\u00a0643<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9440 ss1760\"><div><div class=\"ps9695 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Trading income/(loss) arising from customer flow<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13533 ss1761\"><div><div class=\"ps9695 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13534 ss1761\"><div><div class=\"ps9695 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13535 ss1761\"><div><div class=\"ps9695 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13536 ss1762\"><div><div class=\"ps9695 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.36pt\"></span></span><span class=\"ps10360\">(694)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps13537 ss1763\"><div><div class=\"ps9695 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.86pt\"></span></span><span class=\"ps835\">(694)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2511 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Gains or (losses) in the statement of comprehensive income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13538 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13539 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.76pt\"></span></span><span class=\"ps9988\">19\u00a0118<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13540 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13542 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13544 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.01pt\"></span></span><span class=\"ps13543\">19\u00a0118<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4281 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Purchases<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13546 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.13pt\"></span></span><span class=\"ps13545\">20\u00a0506<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13548 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.22pt\"></span></span><span class=\"ps13547\">3\u00a0201\u00a0706<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13549 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13550 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.73pt\"></span></span><span class=\"ps9685\">5\u00a0478<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13551 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.27pt\"></span></span><span class=\"ps4137\">3\u00a0227\u00a0690<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4288 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sales<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13553 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.4pt\"></span></span><span class=\"ps13552\">(9\u00a0876)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13555 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.57pt\"></span></span><span class=\"ps13554\">(1\u00a0166\u00a0693)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13556 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13558 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.59pt\"></span></span><span class=\"ps13557\">(421)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13560 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.28pt\"></span></span><span class=\"ps13559\">(1\u00a0176\u00a0990)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4294 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Transfer to associated undertakings and joint venture holdings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13562 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.46pt\"></span></span><span class=\"ps13561\">(34\u00a0497)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13563 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13564 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13565 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13566 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.71pt\"></span></span><span class=\"ps10089\">(34\u00a0497)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4301 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Settlements<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13567 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.01pt\"></span></span><span class=\"ps12727\">(30\u00a0111)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13568 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:4.95pt\"></span></span><span class=\"ps4910\">(1\u00a0730\u00a0700)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13569 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.76pt\"></span></span><span class=\"ps12005\">(8\u00a0403)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13570 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.3pt\"></span></span><span class=\"ps4026\">(16\u00a0306)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13572 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.26pt\"></span></span><span class=\"ps13571\">(1\u00a0785\u00a0520)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4307 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deconsolidated of subsidiaries<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13573 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13574 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13575 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.43pt\"></span></span><span class=\"ps12096\">(59\u00a0023)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13576 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.03pt\"></span></span><span class=\"ps9690\">(1\u00a0998)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13578 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.17pt\"></span></span><span class=\"ps13577\">(61\u00a0021)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4313 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Transfers out of level 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13579 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13580 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.39pt\"></span></span><span class=\"ps8435\">(1\u00a0825)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13581 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13582 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13583 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.64pt\"></span></span><span class=\"ps11110\">(1\u00a0825)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4319 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Foreign exchange adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13584 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.88pt\"></span></span><span class=\"ps13453\">(3\u00a0608)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13585 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.18pt\"></span></span><span class=\"ps2227\">(41\u00a0172)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13586 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13587 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.98pt\"></span></span><span class=\"ps1628\">(5\u00a0031)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13589 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.07pt\"></span></span><span class=\"ps13588\">(49\u00a0811)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps4325 ss1757\"><div><div class=\"ps815 ss1747\" style=\"font-size:12pt\"><span class=\"f charStyle-13225c7c ps7\">Balance as at </span><span class=\"f charStyle-13225c7c ps13590\">31 March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13591 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.8pt\"></span></span><span class=\"ps13450\">211\u00a0364<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13593 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.33pt\"></span></span><span class=\"ps13592\">2\u00a0532\u00a0138<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13594 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.06pt\"></span></span><span class=\"ps8484\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13596 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.62pt\"></span></span><span class=\"ps13595\">54\u00a0038<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13597 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.69pt\"></span></span><span class=\"ps10041\">2\u00a0797\u00a0540<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:3pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9700 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Net gains/(losses) in the income statement^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13598 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.28pt\"></span></span><span class=\"ps12406\">10\u00a0926<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13599 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.61pt\"></span></span><span class=\"ps7428\">228\u00a0416<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13600 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13601 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.91pt\"></span></span><span class=\"ps4543\">(570)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13603 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.31pt\"></span></span><span class=\"ps13602\">238\u00a0772<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9704 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Interest income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13604 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13606 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.59pt\"></span></span><span class=\"ps13605\">234\u00a0915<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13607 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13609 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.6pt\"></span></span><span class=\"ps13608\">3\u00a0978<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13610 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.46pt\"></span></span><span class=\"ps3969\">238\u00a0893<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9708 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Investment income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps13611 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.28pt\"></span></span><span class=\"ps12406\">10\u00a0926<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13613 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.94pt\"></span></span><span class=\"ps13612\">(6\u00a0499)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13614 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13616 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.22pt\"></span></span><span class=\"ps13615\">(3\u00a0071)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps13618 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.1pt\"></span></span><span class=\"ps13617\">1\u00a0356<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9712 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Trading income/(loss) arising from customer flow<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13619 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13620 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13621 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13623 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.62pt\"></span></span><span class=\"ps13622\">(1\u00a0477)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps13624 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.12pt\"></span></span><span class=\"ps882\">(1\u00a0477)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4715 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Gains or (losses) in the statement of comprehensive income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13625 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13627 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.1pt\"></span></span><span class=\"ps13626\">(7\u00a0715)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13628 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13629 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13631 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.35pt\"></span></span><span class=\"ps13630\">(7\u00a0715)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9720 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Purchases and originations<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13632 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.71pt\"></span></span><span class=\"ps9402\">7\u00a0043<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13634 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.28pt\"></span></span><span class=\"ps13633\">4\u00a0574\u00a0655<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13635 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13637 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.54pt\"></span></span><span class=\"ps13636\">35\u00a0643<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13639 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.52pt\"></span></span><span class=\"ps13638\">4\u00a0617\u00a0341<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9725 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sales<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13641 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.57pt\"></span></span><span class=\"ps13640\">(14\u00a0029)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13642 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.93pt\"></span></span><span class=\"ps9718\">(1\u00a0116\u00a0954)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13643 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13645 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.41pt\"></span></span><span class=\"ps13644\">(21\u00a0002)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13647 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.4pt\"></span></span><span class=\"ps13646\">(1\u00a0151\u00a0985)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9730 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Settlements<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13648 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.79pt\"></span></span><span class=\"ps10450\">(4\u00a0328)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13649 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:4.41pt\"></span></span><span class=\"ps5463\">(2\u00a0801\u00a0536)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13650 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13652 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.2pt\"></span></span><span class=\"ps13651\">(20\u00a0899)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13653 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.7pt\"></span></span><span class=\"ps7321\">(2\u00a0826\u00a0763)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1382 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Transfers out of level 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13655 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.89pt\"></span></span><span class=\"ps13654\">(9\u00a0335)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13656 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13657 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13658 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13659 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.14pt\"></span></span><span class=\"ps11661\">(9\u00a0335)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9733 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Foreign exchange adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13661 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.08pt\"></span></span><span class=\"ps13660\">464<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13662 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.79pt\"></span></span><span class=\"ps10301\">33\u00a0989<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13663 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13664 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.77pt\"></span></span><span class=\"ps13476\">(3\u00a0455)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13666 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.15pt\"></span></span><span class=\"ps13665\">30\u00a0998<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps9737 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-b7f6e8e5 ps7\">Balance as at 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13668 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.57pt\"></span></span><span class=\"ps13667\">202\u00a0105<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13670 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:3.44pt\"></span></span><span class=\"ps13669\">3\u00a0442\u00a0993<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13671 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.06pt\"></span></span><span class=\"ps8484\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13672 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.44pt\"></span></span><span class=\"ps11594\">43\u00a0755<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13674 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.84pt\"></span></span><span class=\"ps13673\">3\u00a0688\u00a0853<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps13677 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps23\">1</span><span class=\"f charStyle-207fba8f\"><span class=\"ps13676\">.<span style=\"display:inline-block;height:5.81pt;width:9.9pt\"></span></span><span class=\"ps968\">Comprises of other debt securities, derivative financial instruments and securities arising from trading.</span></span></div><div class=\"ps13678 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">The line \u2018net gains/(losses) recognised in the income statement\u2019 has been disaggregated in the current year, with comparatives re-presented accordingly. </span></span></div><div class=\"ps13680 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group transfers between levels within the fair value hierarchy when the observability of inputs change, or if the valuation </span></div><div class=\"ps13681 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps699\">methods change. Transfers are deemed to occur at the end of each semi-annual reporting period.</span></div><div class=\"ps13682 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">During the year ended 31 March 2026, investment portfolio assets of \u00a39.3 million (31 March 2025: \u00a30 million) were transferred from </span></div><div class=\"ps13683 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Level 3 to Level 2 due to the use of broker\u2011observable valuation inputs. In the prior year, loans and advances to customers of </span></div><div class=\"ps13684 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u00a31.8\u00a0million were transferred from Level 3 to Level 2, due to the valuation methodologies being reviewed and broker inputs being </span></div><div class=\"ps13685 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">used to determine the fair value.</span></div><div class=\"ps72 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td></tr><tr style=\"height:18pt\"><td style=\"padding:0\"><div class=\"ps19 ss1766\"><div><div class=\"ps13322 ss1765\"><span class=\"f charStyle-a26246ce ps7\">For the year to<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12405 ss1768\"><div><div class=\"ps989 ss1767\"><span class=\"f charStyle-6f1c08a8 ps13686\">Liabilities arising <span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss1767\"><span class=\"f charStyle-6f1c08a8 ps13687\">on securitisation\u00a0 <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss1767\"><span class=\"f charStyle-6f1c08a8 ps9201\">of other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13689 ss1741\"><div><div class=\"ps989 ss114\"><span class=\"f charStyle-6f1c08a8 ps4327\">Derivative </span></div><div class=\"ps985 ss114\"><span class=\"f charStyle-6f1c08a8 ps13688\">financial </span></div><div class=\"ps983 ss114\"><span class=\"f charStyle-6f1c08a8 ps12499\">instruments</span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps996 ss1741\"><div><div class=\"ps983 ss114\"><span class=\"f charStyle-ef17fa27 ps11290\">Total<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13498 ss1769\"><div><div class=\"ps4014 ss1765\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps998 ss1770\"><div><div class=\"ps815 ss1765\"><span class=\"f charStyle-b7f6e8e5 ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3588 ss1770\"><div><div class=\"ps815 ss1765\" style=\"font-size:12pt\"><span class=\"f charStyle-13225c7c ps7\">Balance as at 1 April </span><span class=\"f charStyle-13225c7c ps13501\">2024<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13691 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.74pt\"></span></span><span class=\"ps13690\">71\u00a0751<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13693 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.84pt\"></span></span><span class=\"ps13692\">934<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13695 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.17pt\"></span></span><span class=\"ps13694\">72\u00a0685<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3593 ss1770\"><div><div class=\"ps815 ss1765\"><span class=\"f charStyle-2b0f4fe0 ps7\">Net (gains)/losses in the income statement^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13697 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.64pt\"></span></span><span class=\"ps13696\">311<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13698 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.14pt\"></span></span><span class=\"ps4270\">29<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13700 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.28pt\"></span></span><span class=\"ps13699\">340<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps3323 ss1770\"><div><div class=\"ps815 ss1765\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Investment income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13701 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.64pt\"></span></span><span class=\"ps13696\">311<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13702 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">(19)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13704 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.57pt\"></span></span><span class=\"ps13703\">292<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps450 ss1770\"><div><div class=\"ps815 ss1765\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Trading income/(loss) arising from customer flow<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13706 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.53pt\"></span></span><span class=\"ps13705\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13708 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.01pt\"></span></span><span class=\"ps13707\">48<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps13709 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.01pt\"></span></span><span class=\"ps13707\">48<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3607 ss1770\"><div><div class=\"ps815 ss1765\"><span class=\"f charStyle-2b0f4fe0 ps7\">Settlements<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13711 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.26pt\"></span></span><span class=\"ps13710\">(7\u00a0638)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13712 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13713 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.51pt\"></span></span><span class=\"ps12285\">(7\u00a0638)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3612 ss1770\"><div><div class=\"ps815 ss1765\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deconsolidation of subsidiaries<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13715 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.13pt\"></span></span><span class=\"ps13714\">(64\u00a0424)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13716 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.07pt\"></span></span><span class=\"ps10403\">(136)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13717 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.7pt\"></span></span><span class=\"ps8347\">(64\u00a0560)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps3617 ss1770\"><div><div class=\"ps815 ss1765\"><span class=\"f charStyle-b7f6e8e5 ps7\">Balance as at 31 March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13719 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.06pt\"></span></span><span class=\"ps13718\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13720 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.68pt\"></span></span><span class=\"ps13470\">827<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13721 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.68pt\"></span></span><span class=\"ps13470\">827<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4577 ss1770\"><div><div class=\"ps815 ss1765\"><span class=\"f charStyle-2b0f4fe0 ps7\">Gains or (losses)\u00a0 In the income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13722 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.53pt\"></span></span><span class=\"ps13705\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13723 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.84pt\"></span></span><span class=\"ps12282\">(293)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13724 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.84pt\"></span></span><span class=\"ps12282\">(293)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps1361 ss1770\"><div><div class=\"ps815 ss1765\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Trading income/(loss) arising from customer flow<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13725 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.53pt\"></span></span><span class=\"ps13705\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13726 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.84pt\"></span></span><span class=\"ps12282\">(293)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13727 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.84pt\"></span></span><span class=\"ps12282\">(293)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13728 ss1770\"><div><div class=\"ps815 ss1765\"><span class=\"f charStyle-b7f6e8e5 ps7\">Balance as at 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13729 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.06pt\"></span></span><span class=\"ps13718\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13730 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.96pt\"></span></span><span class=\"ps13391\">534<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13731 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.96pt\"></span></span><span class=\"ps13391\">534<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps13732 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The following table quantifies the gains or (losses) included in the income statement and other comprehensive income recognised </span></div><div class=\"ps13733 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">on level 3 financial instruments:</span></div><div class=\"ps13795 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:306.75pt\"></td><td style=\"padding:0;width:57pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:57pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss1773\"><div><div class=\"ps809 ss1772\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3973 ss1774\"><div><div class=\"ps11070 ss789\"><span class=\"f charStyle-ef17fa27 ps13734\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13736 ss1775\"><div><div class=\"ps11070 ss286\"><span class=\"f charStyle-6f1c08a8 ps13735\">Realised<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13738 ss1774\"><div><div class=\"ps11070 ss789\"><span class=\"f charStyle-6f1c08a8 ps13737\">Unrealised<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1776\"><div><div class=\"ps4014 ss1772\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss1777\"><div><div class=\"ps997 ss1772\"><span class=\"f charStyle-b7f6e8e5 ps7\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps824 ss1773\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total gains or (losses) included in the income statement for the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps830 ss1773\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interest income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13739 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.21pt\"></span></span><span class=\"ps12169\">238\u00a0893<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13740 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.43pt\"></span></span><span class=\"ps11213\">206\u00a0808<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13741 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.01pt\"></span></span><span class=\"ps11949\">32\u00a0085<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss1773\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13742 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.85pt\"></span></span><span class=\"ps11684\">1\u00a0356<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13743 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.15pt\"></span></span><span class=\"ps838\">(6\u00a0913)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13745 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.64pt\"></span></span><span class=\"ps13744\">8\u00a0269<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps843 ss1773\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">Trading income/(loss) arising from customer flow<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps4010 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.39pt\"></span></span><span class=\"ps13746\">(1\u00a0184)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13748 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.2pt\"></span></span><span class=\"ps13747\">664<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13750 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.15pt\"></span></span><span class=\"ps13749\">(1\u00a0848)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13752 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.28pt\"></span></span><span class=\"ps13751\">239\u00a0065<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13753 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.18pt\"></span></span><span class=\"ps11704\">200\u00a0559<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13754 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24pt\"></span></span><span class=\"ps2480\">38\u00a0506<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps853 ss1773\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total gains or (losses) included in other comprehensive income for the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps858 ss1778\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">Gains on realisation on debt instruments at FVOCI recycled through <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">the\u00a0income\u00a0statement</span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13755 ss1565\"><div><div class=\"ps469 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.5pt\"></span></span><span class=\"ps13235\">(3\u00a0172)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13756 ss1005\"><div><div class=\"ps469 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.5pt\"></span></span><span class=\"ps1664\">(3\u00a0172)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13757 ss1565\"><div><div class=\"ps469 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.53pt\"></span></span><span class=\"ps9378\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps13758 ss1778\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fair value movements on debt instruments at FVOCI taken directly <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">to\u00a0other\u00a0comprehensive income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13759 ss1565\"><div><div class=\"ps469 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.1pt\"></span></span><span class=\"ps13361\">(7\u00a0715)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13761 ss1005\"><div><div class=\"ps469 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:46.53pt\"></span></span><span class=\"ps13760\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13762 ss1565\"><div><div class=\"ps469 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.1pt\"></span></span><span class=\"ps13361\">(7\u00a0715)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13763 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.58pt\"></span></span><span class=\"ps13523\">(10\u00a0887)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13764 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.98pt\"></span></span><span class=\"ps11132\">(3\u00a0172)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13765 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.35pt\"></span></span><span class=\"ps8384\">(7\u00a0715)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11737 ss1773\"><div><div class=\"ps815 ss1772\" style=\"font-size:12pt\"><span class=\"f charStyle-13225c7c ps7\">2025</span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3338 ss1773\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total gains or (losses) included in the income statement for the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13372 ss1773\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interest income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13766 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.34pt\"></span></span><span class=\"ps12186\">213\u00a0436<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13768 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.77pt\"></span></span><span class=\"ps13767\">187\u00a0033<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13769 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.79pt\"></span></span><span class=\"ps10388\">26\u00a0403<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13378 ss1773\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13770 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.14pt\"></span></span><span class=\"ps11733\">23\u00a0351<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13772 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.56pt\"></span></span><span class=\"ps13771\">(10\u00a0284)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13773 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.77pt\"></span></span><span class=\"ps13767\">33\u00a0635<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13383 ss1773\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">Trading income/(loss) arising from customer flow<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13775 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.96pt\"></span></span><span class=\"ps13774\">(742)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13776 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:46.53pt\"></span></span><span class=\"ps13760\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps6954 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.96pt\"></span></span><span class=\"ps13774\">(742)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13778 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.15pt\"></span></span><span class=\"ps13777\">236\u00a0045<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13779 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.26pt\"></span></span><span class=\"ps9487\">176\u00a0749<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13780 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.43pt\"></span></span><span class=\"ps11213\">59\u00a0296<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13393 ss1773\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total gains or (losses) included in other comprehensive income for the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps3637 ss1778\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">Gains on realisation on debt instruments at FVOCI recycled through <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">the\u00a0income\u00a0statement</span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13782 ss1565\"><div><div class=\"ps469 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.31pt\"></span></span><span class=\"ps13781\">268<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13784 ss1005\"><div><div class=\"ps469 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.31pt\"></span></span><span class=\"ps13783\">268<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13785 ss1565\"><div><div class=\"ps469 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.53pt\"></span></span><span class=\"ps9378\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps1070 ss1778\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fair value movements on debt instruments at FVOCI taken directly <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">to\u00a0other\u00a0comprehensive income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13787 ss1565\"><div><div class=\"ps469 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.76pt\"></span></span><span class=\"ps13786\">19\u00a0118<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13788 ss1005\"><div><div class=\"ps469 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:46.53pt\"></span></span><span class=\"ps13760\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps6974 ss1565\"><div><div class=\"ps469 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.76pt\"></span></span><span class=\"ps13786\">19\u00a0118<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13790 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.37pt\"></span></span><span class=\"ps13789\">19\u00a0386<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13792 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.94pt\"></span></span><span class=\"ps13791\">268<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13794 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.92pt\"></span></span><span class=\"ps13793\">19\u00a0118<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps5918 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Level 2 financial assets and financial liabilities</span></div><div class=\"ps5919 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The following table sets out the Group\u2019s principal valuation techniques as at <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps13798\">31 March 2026</span><span class=\"f charStyle-33e1c6d6 ps13799\"> used in determining the fair value </span></div><div class=\"ps5920 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of\u00a0its\u00a0financial assets and financial liabilities that are classified within level 2 of the fair value hierarchy:</span></div><div class=\"ps13675 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:164.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:153.75pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:153.75pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps13800 ss777\"><div><div class=\"ps809 ss86\"><span class=\"f charStyle-a26246ce ps11539\">VALUATION BASIS/TECHNIQUES<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13802 ss777\"><div><div class=\"ps809 ss86\"><span class=\"f charStyle-a26246ce ps13801\">MAIN INPUTS<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td colspan=\"5\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1779\"><div><div class=\"ps809 ss1718\"><span class=\"f charStyle-a26246ce ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps213 ss1781\"><div><div class=\"ps2632 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">Reverse repurchase agreements and cash <span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">collateral on securities borrowed<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13803 ss1782\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13804 ss1782\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rates<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps2492 ss1783\"><div><div class=\"ps2632 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">Bank debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps13805 ss1784\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps13806 ss1784\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rates<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13807 ss1781\"><div><div class=\"ps2632 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13808 ss1782\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Externally sourced price<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13809 ss1782\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rates<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Broker quotes<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:41.25pt\"><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps4656 ss1785\"><div><div class=\"ps2632 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments and fair value <span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">adjustment for asset portfolio hedged risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps13810 ss1786\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Industry standard derivatives <span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">pricing\u00a0models<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps13811 ss1786\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rate<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Volatilities<span class=\"f ps2\"> </span></span></div><div class=\"ps5431 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Underlying spot and forward prices<span class=\"f ps2\"> </span></span></div><div class=\"ps5432 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit curves<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13812 ss1781\"><div><div class=\"ps2632 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securities arising from trading activities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13813 ss1782\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13814 ss1782\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rate<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit curves<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:32.25pt\"><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps289 ss1787\"><div><div class=\"ps2632 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps13815 ss1788\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model <span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Net asset value model<span class=\"f ps2\"> </span></span></div><div class=\"ps5431 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Comparable quoted inputs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps13816 ss1788\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rate and net assets<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rate and fund unit price<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:32.25pt\"><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps6665 ss1787\"><div><div class=\"ps2632 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13817 ss1788\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13818 ss1788\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Yield curves<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Broker quotes<span class=\"f ps2\"> </span></span></div><div class=\"ps5431 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit curves<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td colspan=\"5\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13819 ss1779\"><div><div class=\"ps809 ss1718\"><span class=\"f charStyle-a26246ce ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:41.25pt\"><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13820 ss1785\"><div><div class=\"ps2632 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments and fair value <span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">adjustment for liability portfolio hedged risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13821 ss1786\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Industry standard derivative <span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">pricing\u00a0models<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13822 ss1786\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rate<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Volatilities<span class=\"f ps2\"> </span></span></div><div class=\"ps5431 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Underlying spot and forward prices<span class=\"f ps2\"> </span></span></div><div class=\"ps5432 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit curves<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:59.25pt\"><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps13823 ss1789\"><div><div class=\"ps2632 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">Debt securities in issue<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps13824 ss1790\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Industry standard derivative <span class=\"f ps2\"> </span></span></div><div class=\"ps5431 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">pricing\u00a0models<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps13825 ss1790\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rate<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Risk-free rate <span class=\"f ps2\"> </span></span></div><div class=\"ps5431 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Volatilities<span class=\"f ps2\"> </span></span></div><div class=\"ps5432 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Forex forward points and spot rates <span class=\"f ps2\"> </span></span></div><div class=\"ps5433 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interest rate swap curves<span class=\"f ps2\"> </span></span></div><div class=\"ps5434 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit curves<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps5918 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Sensitivity of fair values to reasonably possible alternative assumptions by level 3 instrument type</span></div><div class=\"ps5919 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The fair value of financial instruments in level 3 are measured using valuation techniques that incorporate assumptions that are </span></div><div class=\"ps5920 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">not\u00a0evidenced by prices from observable market data. The following table shows the sensitivity of these fair values to reasonably </span></div><div class=\"ps13827 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">possible alternative assumptions, determined at a transactional level. Reasonable possible changes are determined depending on </span></div><div class=\"ps13828 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the nature of the instrument, for example, for credit related inputs, this is a one rating grade movement up or down. In other </span></div><div class=\"ps13829 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">instances, the extent of a reasonable change is based on market experience.</span></div><div class=\"ps14015 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:74.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:77.25pt\"></td><td style=\"padding:0;width:123.75pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:27.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss293\"><div><div class=\"ps983 ss292\"><span class=\"f charStyle-a26246ce ps7\">At 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13832 ss1791\"><div><div class=\"ps985 ss818\"><span class=\"f charStyle-6f1c08a8 ps13830\">Balance sheet <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss818\"><span class=\"f charStyle-6f1c08a8 ps13831\">value \u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13833 ss814\"><div><div class=\"ps983 ss170\"><span class=\"f charStyle-8d4b9b37 ps7\">Valuation technique<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13834 ss1793\"><div><div class=\"ps983 ss1792\"><span class=\"f charStyle-6f1c08a8 ps7\">Significant unobservable input<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13835 ss1794\"><div><div class=\"ps989 ss844\"><span class=\"f charStyle-6f1c08a8 ps7\">Range of <span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss844\"><span class=\"f charStyle-6f1c08a8 ps7\">unobservable <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss844\"><span class=\"f charStyle-6f1c08a8 ps7\">input used<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13839 ss1791\"><div><div class=\"ps989 ss818\"><span class=\"f charStyle-ef17fa27 ps13836\">Favourable<span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss818\"><span class=\"f charStyle-ef17fa27 ps13837\"> changes<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss818\"><span class=\"f charStyle-ef17fa27 ps13838\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13841 ss1795\"><div><div class=\"ps989 ss1310\"><span class=\"f charStyle-ef17fa27 ps13669\">Unfavourable<span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss1310\"><span class=\"f charStyle-ef17fa27 ps9506\">changes<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss1310\"><span class=\"f charStyle-ef17fa27 ps13840\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps998 ss303\"><div><div class=\"ps809 ss292\"><span class=\"f charStyle-ef17fa27 ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"><div class=\"ps3588 ss1796\"><div><div class=\"ps3981 ss292\"><span class=\"f charStyle-dc443274 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13843 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:24.93pt\"></span></span><span class=\"ps13842\">37\u00a0964<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13844 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13846 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:29.47pt\"></span></span><span class=\"ps13845\">1\u00a0286<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13848 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.81pt\"></span></span><span class=\"ps13847\">(1\u00a0663)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13849 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flows<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13850 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Credit spreads<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13851 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">0.47% - 1.27% <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13853 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:37.46pt\"></span></span><span class=\"ps13852\">53<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13855 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:36.91pt\"></span></span><span class=\"ps13854\">(89)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13856 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13857 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13858 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">^^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13860 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:33.82pt\"></span></span><span class=\"ps13859\">892<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13862 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.78pt\"></span></span><span class=\"ps13861\">(1\u00a0408)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13863 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13864 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13865 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13866 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:34.61pt\"></span></span><span class=\"ps10363\">341<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13867 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:34.26pt\"></span></span><span class=\"ps13710\">(166)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:6.75pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:17.25pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps1597 ss1800\"><div><div class=\"ps9792 ss292\"><span class=\"f charStyle-dc443274 ps7\">Derivative financial <span class=\"f ps2\"> </span></span></div><div class=\"ps3829 ss292\"><span class=\"f charStyle-dc443274 ps7\">instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13868 ss1602\"><div><div class=\"ps3829 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:29.56pt\"></span></span><span class=\"ps873\">1\u00a0374<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13869 ss1801\"><div><div class=\"ps3829 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13871 ss1602\"><div><div class=\"ps3829 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:34.09pt\"></span></span><span class=\"ps13870\">788<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13873 ss1802\"><div><div class=\"ps3829 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:40.3pt\"></span></span><span class=\"ps13872\">\u2014<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13874 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13875 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13876 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13877 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:34.09pt\"></span></span><span class=\"ps13870\">788<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13878 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:40.3pt\"></span></span><span class=\"ps13872\">\u2014<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:6.75pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td rowspan=\"5\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps12168 ss1803\"><div><div class=\"ps393 ss292\"><span class=\"f charStyle-dc443274 ps7\">Investment portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13879 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:22.2pt\"></span></span><span class=\"ps9977\">202\u00a0105<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13880 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13882 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:24.72pt\"></span></span><span class=\"ps13881\">23\u00a0459<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13883 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:24.84pt\"></span></span><span class=\"ps3221\">(45\u00a0677)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13884 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Price earnings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13885 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">EBITDA multiple<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13886 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">7.89x - 8.5x<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13888 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.45pt\"></span></span><span class=\"ps13887\">5\u00a0048<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13890 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.87pt\"></span></span><span class=\"ps13889\">(7\u00a0775)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13891 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Price earnings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13892 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">EBITDA multiple<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13893 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">3.4x<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13895 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:34.2pt\"></span></span><span class=\"ps13894\">572<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13896 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:29.71pt\"></span></span><span class=\"ps12291\">(1\u00a0144)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13897 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">EBITDA multiple<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13898 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Change in EBITDA<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13899 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">17.5% - 25%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13901 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.36pt\"></span></span><span class=\"ps13900\">3\u00a0282<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13903 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:29.2pt\"></span></span><span class=\"ps13902\">(6\u00a0271)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13904 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flow<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13905 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Discount rate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13906 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">10% - 15%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13908 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:34.68pt\"></span></span><span class=\"ps13907\">130<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13910 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:34.25pt\"></span></span><span class=\"ps13909\">(261)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13911 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Net asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13912 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13913 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">^^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13915 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.18pt\"></span></span><span class=\"ps13914\">4\u00a0339<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13916 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:26.41pt\"></span></span><span class=\"ps12687\">(10\u00a0174)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13917 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Net asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13918 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Discount rate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13919 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">20% - 30%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13921 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.25pt\"></span></span><span class=\"ps13920\">3\u00a0630<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13923 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.19pt\"></span></span><span class=\"ps13922\">(7\u00a0260)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13924 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13925 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Discount rate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13926 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">10%</span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13927 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.55pt\"></span></span><span class=\"ps8478\">3\u00a0732<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13928 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.13pt\"></span></span><span class=\"ps12181\">(7\u00a0466)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13929 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13930 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13931 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13932 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.78pt\"></span></span><span class=\"ps13861\">2\u00a0726<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13933 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:27.9pt\"></span></span><span class=\"ps11424\">(5\u00a0326)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:6.75pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:17.25pt\"><td style=\"padding:0\"><div class=\"ps2392 ss1800\"><div><div class=\"ps9792 ss292\"><span class=\"f charStyle-dc443274 ps7\">Loans and advances to <span class=\"f ps2\"> </span></span></div><div class=\"ps3829 ss292\"><span class=\"f charStyle-dc443274 ps7\">customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13934 ss1602\"><div><div class=\"ps3829 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:15.44pt\"></span></span><span class=\"ps11735\">3\u00a0442\u00a0993<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13935 ss1801\"><div><div class=\"ps3829 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13936 ss1602\"><div><div class=\"ps3829 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:25.8pt\"></span></span><span class=\"ps11518\">12\u00a0359<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13937 ss1802\"><div><div class=\"ps3829 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:26pt\"></span></span><span class=\"ps11952\">(17\u00a0755)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13938 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flow<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13939 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Credit spreads<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13940 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">0.13% - 4.01% <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13942 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.57pt\"></span></span><span class=\"ps13941\">8\u00a0526<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13943 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:25.02pt\"></span></span><span class=\"ps10101\">(13\u00a0232)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13944 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flow<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13945 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Discount rate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13946 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">10.0%</span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13948 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:34.11pt\"></span></span><span class=\"ps13947\">876<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13950 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:29pt\"></span></span><span class=\"ps13949\">(1\u00a0529)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13951 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Net asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13952 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13953 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">^^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13954 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.87pt\"></span></span><span class=\"ps13889\">2\u00a0957<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13956 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:27.84pt\"></span></span><span class=\"ps13955\">(2\u00a0994)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:17.25pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13957 ss1801\"><div><div class=\"ps9792 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on other comprehensive <span class=\"f ps2\"> </span></span></div><div class=\"ps3829 ss1792\"><span class=\"f charStyle-dc443274 ps7\">income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13959 ss1602\"><div><div class=\"ps3829 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:27.36pt\"></span></span><span class=\"ps13958\">17\u00a0071<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13960 ss1802\"><div><div class=\"ps3829 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:24.92pt\"></span></span><span class=\"ps11079\">(27\u00a0257)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13961 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flows<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13962 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Credit spreads<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13963 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">0.14% - 4.43%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13964 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:27.36pt\"></span></span><span class=\"ps13958\">17\u00a0071<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13965 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:24.92pt\"></span></span><span class=\"ps11079\">(27\u00a0257)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:6.75pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps3672 ss303\"><div><div class=\"ps4131 ss292\"><span class=\"f charStyle-dc443274 ps7\">Other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13967 ss929\"><div><div class=\"ps4131 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:29.58pt\"></span></span><span class=\"ps13966\">4\u00a0417<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13968 ss1804\"><div><div class=\"ps4131 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13970 ss929\"><div><div class=\"ps4131 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.47pt\"></span></span><span class=\"ps13969\">2\u00a0062<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13971 ss1805\"><div><div class=\"ps4131 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:33.46pt\"></span></span><span class=\"ps9361\">(794)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13972 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flows<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13973 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Cash flow adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13974 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">47.71% CPR<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13975 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:29.66pt\"></span></span><span class=\"ps875\">1\u00a0673<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13976 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:33.46pt\"></span></span><span class=\"ps9361\">(467)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13977 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13978 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13979 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">^^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13980 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:33.71pt\"></span></span><span class=\"ps5541\">389<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13981 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:33.43pt\"></span></span><span class=\"ps12409\">(327)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:6.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13982 ss1796\"><div><div class=\"ps4014 ss292\"><span class=\"f charStyle-a26246ce ps7\">Total level 3 assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13984 ss1597\"><div><div class=\"ps4014 ss818\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:11.32pt\"></span></span><span class=\"ps13983\">3\u00a0688\u00a0853<span style=\"display:inline-block;height:6.29pt;width:2.65pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13986 ss1597\"><div><div class=\"ps4014 ss818\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:21.94pt\"></span></span><span class=\"ps13985\">57\u00a0025<span style=\"display:inline-block;height:6.29pt;width:2.65pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13988 ss1798\"><div><div class=\"ps4014 ss1310\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:21.13pt\"></span></span><span class=\"ps13987\">(93\u00a0146)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"><div class=\"ps13989 ss1796\"><div><div class=\"ps4014 ss292\"><span class=\"f charStyle-ef17fa27 ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:17.25pt\"><td style=\"padding:0\"><div class=\"ps12310 ss1800\"><div><div class=\"ps9792 ss292\"><span class=\"f charStyle-dc443274 ps7\">Derivative financial <span class=\"f ps2\"> </span></span></div><div class=\"ps3829 ss292\"><span class=\"f charStyle-dc443274 ps7\">instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13993 ss1602\"><div><div class=\"ps3829 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:33.71pt\"></span></span><span class=\"ps5541\">534<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13994 ss1801\"><div><div class=\"ps3829 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13996 ss1602\"><div><div class=\"ps3829 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:35.48pt\"></span></span><span class=\"ps13995\">(50)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13997 ss1802\"><div><div class=\"ps3829 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:40.3pt\"></span></span><span class=\"ps13872\">\u2014<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13998 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13999 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14000 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14001 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:35.48pt\"></span></span><span class=\"ps13995\">(50)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14002 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:40.3pt\"></span></span><span class=\"ps13872\">\u2014<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:6.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps12825 ss1796\"><div><div class=\"ps4014 ss292\"><span class=\"f charStyle-a26246ce ps7\">Total level 3 liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14004 ss1597\"><div><div class=\"ps4014 ss818\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:31.36pt\"></span></span><span class=\"ps14003\">534<span style=\"display:inline-block;height:6.29pt;width:2.65pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14006 ss1597\"><div><div class=\"ps4014 ss818\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:32.92pt\"></span></span><span class=\"ps14005\">(50)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14008 ss1798\"><div><div class=\"ps4014 ss1310\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:39.22pt\"></span></span><span class=\"ps14007\">\u2014<span style=\"display:inline-block;height:6.29pt;width:2.65pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14009 ss1796\"><div><div class=\"ps4014 ss292\"><span class=\"f charStyle-a26246ce ps7\">Net level 3 assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14011 ss1597\"><div><div class=\"ps4014 ss818\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:12.32pt\"></span></span><span class=\"ps14010\">3\u00a0688\u00a0319<span style=\"display:inline-block;height:6.29pt;width:2.65pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14013 ss1597\"><div><div class=\"ps4014 ss818\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:21.92pt\"></span></span><span class=\"ps14012\">56\u00a0975<span style=\"display:inline-block;height:6.29pt;width:2.65pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14014 ss1798\"><div><div class=\"ps4014 ss1310\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:21.13pt\"></span></span><span class=\"ps13987\">(93\u00a0146)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps14016 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">The valuation sensitivity has been assessed by adjusting various inputs such as net asset value and probability of recovery rather than a single input. It is deemed </span></span></div><div class=\"ps14017 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">appropriate to reflect the outcome on a portfolio basis for the purposes of this analysis as the sensitivity of the assets cannot be determined through the adjustment of <span class=\"f ps2\"> </span></span></div><div class=\"ps14018 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">a single input.</span></div><div class=\"ps14020 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^^<span style=\"display:inline-block;height:5.81pt;width:8.83pt\"></span></span><span class=\"ps968\">Underlying asset values are calculated by reference to a tangible asset, for example, property, aircraft or shares</span></span><span class=\"f charStyle-207fba8f ps14019\">.</span></div><div class=\"ps72 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:83.25pt\"></td><td style=\"padding:0;width:42.75pt\"></td><td style=\"padding:0;width:75pt\"></td><td style=\"padding:0;width:114.75pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:27.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss1806\"><div><div class=\"ps983 ss172\"><span class=\"f charStyle-a26246ce ps7\">At 31 March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14025 ss1807\"><div><div class=\"ps989 ss717\"><span class=\"f charStyle-6f1c08a8 ps14022\">Balance <span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss717\"><span class=\"f charStyle-6f1c08a8 ps14023\">sheet value <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss717\"><span class=\"f charStyle-6f1c08a8 ps14024\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14026 ss1808\"><div><div class=\"ps985 ss212\"><span class=\"f charStyle-8d4b9b37 ps7\">Principle valuation <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss212\"><span class=\"f charStyle-8d4b9b37 ps7\">technique<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps8728 ss1809\"><div><div class=\"ps985 ss1523\"><span class=\"f charStyle-6f1c08a8 ps7\">Significant <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss1523\"><span class=\"f charStyle-6f1c08a8 ps7\">unobservable input<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14027 ss1811\"><div><div class=\"ps989 ss1810\"><span class=\"f charStyle-6f1c08a8 ps7\">Range of <span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss1810\"><span class=\"f charStyle-6f1c08a8 ps7\">unobservable <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss1810\"><span class=\"f charStyle-6f1c08a8 ps7\">input used<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps4195 ss1813\"><div><div class=\"ps989 ss1812\"><span class=\"f charStyle-ef17fa27 ps14028\">Favourable<span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss1812\"><span class=\"f charStyle-ef17fa27 ps14029\"> changes<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss1812\"><span class=\"f charStyle-ef17fa27 ps14030\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11073 ss1814\"><div><div class=\"ps989 ss943\"><span class=\"f charStyle-ef17fa27 ps12872\">Unfavourable<span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss943\"><span class=\"f charStyle-ef17fa27 ps14031\">changes<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss943\"><span class=\"f charStyle-ef17fa27 ps820\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps998 ss1815\"><div><div class=\"ps809 ss172\"><span class=\"f charStyle-ef17fa27 ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"><div class=\"ps3588 ss1816\"><div><div class=\"ps3981 ss172\"><span class=\"f charStyle-dc443274 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14032 ss1817\"><div><div class=\"ps3981 ss717\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:17.53pt\"></span></span><span class=\"ps3237\">47\u00a0686<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14033 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps14034 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:25.96pt\"></span></span><span class=\"ps5728\">1\u00a0918<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps14035 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:27.93pt\"></span></span><span class=\"ps13531\">(3\u00a0213)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14036 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flows<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14037 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Credit spreads<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14038 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">0.36% - 1.5%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14040 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:33.36pt\"></span></span><span class=\"ps14039\">57<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14041 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:33.56pt\"></span></span><span class=\"ps11958\">(105)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14042 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flows<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14043 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Cash flow adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14044 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">CPR 13.94%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14046 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:29.42pt\"></span></span><span class=\"ps14045\">256<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14047 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:33.41pt\"></span></span><span class=\"ps963\">(164)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14048 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14049 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14050 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">^^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14051 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:25.86pt\"></span></span><span class=\"ps5905\">1\u00a0361<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14053 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:27.41pt\"></span></span><span class=\"ps14052\">(2\u00a0700)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14054 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14055 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14056 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14057 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:29.14pt\"></span></span><span class=\"ps9358\">244<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps14058 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:32.32pt\"></span></span><span class=\"ps9306\">(244)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:6.75pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td rowspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps3327 ss1823\"><div><div class=\"ps393 ss172\"><span class=\"f charStyle-dc443274 ps7\">Derivative financial <span class=\"f ps2\"> </span></span></div><div class=\"ps1940 ss172\"><span class=\"f charStyle-dc443274 ps7\">instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps14059 ss1817\"><div><div class=\"ps3981 ss717\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:20.97pt\"></span></span><span class=\"ps13019\">6\u00a0352<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps14060 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14061 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:25.03pt\"></span></span><span class=\"ps4681\">1\u00a0058<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14063 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:32.77pt\"></span></span><span class=\"ps14062\">(702)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14064 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Option pricing model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14065 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Volatilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14066 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">7.5% - 16.95%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14067 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:34.3pt\"></span></span><span class=\"ps889\">\u2014<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14069 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:40.81pt\"></span></span><span class=\"ps14068\">(1)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14070 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14071 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14072 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">^^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14074 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:37.63pt\"></span></span><span class=\"ps14073\">1<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14076 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:39.71pt\"></span></span><span class=\"ps14075\">(3)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14077 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14078 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14079 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14081 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:25.33pt\"></span></span><span class=\"ps14080\">1\u00a0057<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps14083 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:32.51pt\"></span></span><span class=\"ps14082\">(698)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:6.75pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps2618 ss1816\"><div><div class=\"ps3981 ss172\"><span class=\"f charStyle-dc443274 ps7\">Investment portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps14085 ss1817\"><div><div class=\"ps3981 ss717\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:15.45pt\"></span></span><span class=\"ps14084\">211\u00a0364<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps14086 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14088 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:21.49pt\"></span></span><span class=\"ps14087\">25\u00a0512<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14090 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:24.56pt\"></span></span><span class=\"ps14089\">(50\u00a0819)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14091 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Price earnings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14092 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Price earnings multiple<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14093 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">1.6x - 7.5x<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14095 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:24.09pt\"></span></span><span class=\"ps14094\">5\u00a0662<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14096 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:24.47pt\"></span></span><span class=\"ps11663\">(10\u00a0660)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14097 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Price earnings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14098 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Change in EBITDA <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14099 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">3.3x - 7.8x<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14100 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:24.27pt\"></span></span><span class=\"ps11901\">2\u00a0768<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14102 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:27.32pt\"></span></span><span class=\"ps14101\">(5\u00a0502)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14103 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flows<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14104 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Discount rate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14105 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">10% - 15%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14107 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:23.72pt\"></span></span><span class=\"ps14106\">4\u00a0446<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14108 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:27.94pt\"></span></span><span class=\"ps2453\">(8\u00a0314)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14109 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14110 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14111 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">^^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14112 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:23.86pt\"></span></span><span class=\"ps12087\">9\u00a0320<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14113 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:24.67pt\"></span></span><span class=\"ps818\">(18\u00a0487)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14114 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14115 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14116 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14118 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:24.76pt\"></span></span><span class=\"ps14117\">3\u00a0316<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps14120 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:27.54pt\"></span></span><span class=\"ps14119\">(7\u00a0856)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:6.75pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td rowspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps6660 ss1823\"><div><div class=\"ps393 ss172\"><span class=\"f charStyle-dc443274 ps7\">Loans and advances to <span class=\"f ps2\"> </span></span></div><div class=\"ps1940 ss172\"><span class=\"f charStyle-dc443274 ps7\">customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps14122 ss1817\"><div><div class=\"ps3981 ss717\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:9.17pt\"></span></span><span class=\"ps14121\">2\u00a0532\u00a0138<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps14123 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14124 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:22.28pt\"></span></span><span class=\"ps9500\">10\u00a0221<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14125 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:25.65pt\"></span></span><span class=\"ps12208\">(18\u00a0713)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14126 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flows<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14127 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Credit spreads<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14128 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">0.14% - 4.65%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14129 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:23.89pt\"></span></span><span class=\"ps12563\">6\u00a0263<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14130 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:25.39pt\"></span></span><span class=\"ps11549\">(14\u00a0212)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14131 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flows<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14132 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Credit spreads<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14133 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">37.3%</span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14134 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:25.44pt\"></span></span><span class=\"ps11869\">1\u00a0557<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14135 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.62pt\"></span></span><span class=\"ps3220\">(1\u00a0557)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14136 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Price earnings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14137 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Price earnings multiple<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14138 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">4.5x<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14139 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:29.71pt\"></span></span><span class=\"ps12291\">675<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14141 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:30.11pt\"></span></span><span class=\"ps14140\">(1\u00a0101)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14142 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14143 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14144 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">^^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14146 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:25.27pt\"></span></span><span class=\"ps14145\">1\u00a0726<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps14147 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:27.94pt\"></span></span><span class=\"ps2453\">(1\u00a0843)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:17.25pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14148 ss1824\"><div><div class=\"ps9792 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on other <span class=\"f ps2\"> </span></span></div><div class=\"ps3829 ss1523\"><span class=\"f charStyle-dc443274 ps7\">comprehensive income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14149 ss1825\"><div><div class=\"ps3829 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:22.88pt\"></span></span><span class=\"ps12175\">17\u00a0712<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14150 ss1826\"><div><div class=\"ps3829 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:23.86pt\"></span></span><span class=\"ps12087\">(32\u00a0737)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"background-color:#FFFFFF;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14151 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flows<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14152 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Credit spreads<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14153 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">0.16% - 5.72%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14154 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:22.88pt\"></span></span><span class=\"ps12175\">17\u00a0712<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14155 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:23.86pt\"></span></span><span class=\"ps12087\">(32\u00a0737)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:6.75pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14156 ss1816\"><div><div class=\"ps4014 ss172\"><span class=\"f charStyle-a26246ce ps7\">Total level 3 assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14157 ss1817\"><div><div class=\"ps4014 ss717\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:4.57pt\"></span></span><span class=\"ps17\">2\u00a0797\u00a0540<span style=\"display:inline-block;height:6.29pt;width:2.65pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#c3d0d7;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14159 ss1819\"><div><div class=\"ps4014 ss1812\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:18.08pt\"></span></span><span class=\"ps14158\">56\u00a0421<span style=\"display:inline-block;height:6.29pt;width:2.65pt\"></span></span></span></div></div></div></td><td style=\"background-color:#c3d0d7;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14160 ss1820\"><div><div class=\"ps4014 ss943\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:17.01pt\"></span></span><span class=\"ps1497\">(106\u00a0184)</span></span></div></div></div></td><td style=\"background-color:#c3d0d7;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"><div class=\"ps12213 ss1816\"><div><div class=\"ps4014 ss172\"><span class=\"f charStyle-ef17fa27 ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:17.25pt\"><td style=\"padding:0\"><div class=\"ps11254 ss1827\"><div><div class=\"ps393 ss172\"><span class=\"f charStyle-dc443274 ps7\">Derivative financial <span class=\"f ps2\"> </span></span></div><div class=\"ps1940 ss172\"><span class=\"f charStyle-dc443274 ps7\">instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14162 ss1828\"><div><div class=\"ps3829 ss717\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:26.6pt\"></span></span><span class=\"ps14161\">827<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14164 ss1824\"><div><div class=\"ps3829 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps14166 ss1825\"><div><div class=\"ps3829 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:31.9pt\"></span></span><span class=\"ps14165\">(12)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps14168 ss1826\"><div><div class=\"ps3829 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:39.55pt\"></span></span><span class=\"ps14167\">\u2014<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14169 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14170 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14171 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14172 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:31.9pt\"></span></span><span class=\"ps14165\">(12)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14173 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:39.55pt\"></span></span><span class=\"ps14167\">\u2014<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:6pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14174 ss1816\"><div><div class=\"ps4014 ss172\"><span class=\"f charStyle-a26246ce ps7\">Total level 3 liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14175 ss1817\"><div><div class=\"ps4014 ss717\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:24.48pt\"></span></span><span class=\"ps12509\">827<span style=\"display:inline-block;height:6.29pt;width:2.65pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#c3d0d7;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14176 ss1819\"><div><div class=\"ps4014 ss1812\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:29.8pt\"></span></span><span class=\"ps9979\">(12)</span></span></div></div></div></td><td style=\"background-color:#c3d0d7;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14178 ss1820\"><div><div class=\"ps4014 ss943\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:38.47pt\"></span></span><span class=\"ps14177\">\u2014<span style=\"display:inline-block;height:6.29pt;width:2.65pt\"></span></span></span></div></div></div></td><td style=\"background-color:#c3d0d7;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14179 ss1816\"><div><div class=\"ps4014 ss172\"><span class=\"f charStyle-a26246ce ps7\">Net level 3 assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14181 ss1817\"><div><div class=\"ps4014 ss717\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:5.87pt\"></span></span><span class=\"ps14180\">2\u00a0796\u00a0713<span style=\"display:inline-block;height:6.29pt;width:2.65pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#c3d0d7;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14182 ss1819\"><div><div class=\"ps4014 ss1812\"><span class=\"f charStyle-a26246ce ps1625\">56\u00a0409<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#c3d0d7;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14183 ss1820\"><div><div class=\"ps4014 ss943\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:17.01pt\"></span></span><span class=\"ps1497\">(106\u00a0184)</span></span></div></div></div></td><td style=\"background-color:#c3d0d7;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps14184 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">The valuation sensitivity has been assessed by adjusting various inputs such as net asset value and probability of recovery rather than a single input. It is deemed </span></span></div><div class=\"ps14185 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">appropriate to reflect the outcome on a portfolio basis for the purposes of this analysis as the sensitivity of the assets cannot be determined through the adjustment </span></div><div class=\"ps14186 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">of\u00a0a single input.</span></div><div class=\"ps14187 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^^<span style=\"display:inline-block;height:5.81pt;width:8.83pt\"></span></span><span class=\"ps968\">Underlying asset values are calculated by reference to a tangible asset, for example, property, aircraft or shares.</span></span></div><div class=\"ps979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In determining the value of level 3 financial instruments, the following are the principal inputs that can require judgement:</span></div><div class=\"ps3353 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Credit spreads</span></div><div class=\"ps3354 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Credit spreads reflect the additional yield that a market participant would demand for taking exposure to the credit risk of an </span></div><div class=\"ps5921 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">instrument. The credit spread for an instrument forms part of the yield used in a discounted cash flow calculation. In general, </span></div><div class=\"ps14189 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">a\u00a0significant increase in a credit spread in isolation will result in a movement in fair value that is unfavourable for the holder </span></div><div class=\"ps14190 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of\u00a0a\u00a0financial instrument. It is an unobservable input into a discounted cash flow valuation.</span></div><div class=\"ps14191 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Discount rates</span></div><div class=\"ps14192 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Discount rates are used to adjust for the time value of money when using a discounted cash flow valuation method. Where </span></div><div class=\"ps14193 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">relevant, the discount rate also accounts for illiquidity, market conditions and uncertainty of future cash flows.</span></div><div class=\"ps14194 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Volatilities</span></div><div class=\"ps14195 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Volatility is a key input in the valuation of derivative products containing optionality. Volatility is a measure of the variability or </span></div><div class=\"ps14196 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">uncertainty in returns for a given derivative underlying. It represents an estimate of how much a particular underlying instrument, </span></div><div class=\"ps14197 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">parameter or index will change in value over time.</span></div><div class=\"ps14198 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Cash flows</span></div><div class=\"ps14199 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Cash flows relates to the future cash flows that can be expected from the instrument and requires judgement. Cash flows are\u00a0input </span></div><div class=\"ps14200 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">into a discounted cash flow valuation.</span></div><div class=\"ps14201 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Price earnings multiple</span></div><div class=\"ps14202 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The price-to-earnings ratio is an equity valuation multiple used in the adjustment of underlying market prices. It is a key driver in\u00a0the </span></div><div class=\"ps14203 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">valuation of unlisted investments.</span></div><div class=\"ps14204 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Underlying asset value</span></div><div class=\"ps14205 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In instances where cash flows have links to referenced assets, the underlying asset value is used to determine the fair value. </span></div><div class=\"ps14206 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps699\">The underlying asset valuation is derived using observable market prices sourced from broker quotes, specialist valuers or other </span></div><div class=\"ps14207 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reliable pricing sources.</span></div><div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_268\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">14<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps14210\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps14211\">Fair value of financial instruments at amortised cost<span class=\"f ps2\"> </span></span></div><div class=\"ps72 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:118.5pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"4\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps13835 ss1829\"><div><div class=\"ps809 ss1029\"><span class=\"f charStyle-a26246ce ps13299\">Level within the fair value hierarchy<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:41.25pt\"><td style=\"padding:0\"><div class=\"ps816 ss1830\"><div><div class=\"ps14212 ss713\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">At 31 March 2026</span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14217 ss1831\"><div><div class=\"ps14214 ss1310\"><span class=\"f charStyle-a26246ce ps14213\">Carrying <span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss1310\"><span class=\"f charStyle-a26246ce ps14215\">amount<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14222 ss1831\"><div><div class=\"ps14218 ss1310\"><span class=\"f charStyle-a26246ce ps11470\">Fair value <span class=\"f ps2\"> </span></span></div><div class=\"ps14220 ss1310\"><span class=\"f charStyle-a26246ce ps14219\">approximates <span class=\"f ps2\"> </span></span></div><div class=\"ps14214 ss1310\"><span class=\"f charStyle-a26246ce ps14221\">carrying <span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss1310\"><span class=\"f charStyle-a26246ce ps14215\">amount<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14227 ss1831\"><div><div class=\"ps809 ss1310\"><span class=\"f charStyle-a26246ce ps14223\">Balances <span class=\"f ps2\"> </span></span></div><div class=\"ps14224 ss1310\"><span class=\"f charStyle-a26246ce ps128\">where fair <span class=\"f ps2\"> </span></span></div><div class=\"ps14218 ss1310\"><span class=\"f charStyle-a26246ce ps14225\">values do not <span class=\"f ps2\"> </span></span></div><div class=\"ps14220 ss1310\"><span class=\"f charStyle-a26246ce ps14226\">approximate <span class=\"f ps2\"> </span></span></div><div class=\"ps14214 ss1310\"><span class=\"f charStyle-a26246ce ps14221\">carrying </span></div><div class=\"ps14216 ss1310\"><span class=\"f charStyle-a26246ce ps9475\">amounts<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14231 ss1832\"><div><div class=\"ps809 ss1750\"><span class=\"f charStyle-a26246ce ps14228\">Fair value of <span class=\"f ps2\"> </span></span></div><div class=\"ps14224 ss1750\"><span class=\"f charStyle-a26246ce ps12493\">balances that <span class=\"f ps2\"> </span></span></div><div class=\"ps14218 ss1750\"><span class=\"f charStyle-a26246ce ps14229\">do not </span></div><div class=\"ps14220 ss1750\"><span class=\"f charStyle-a26246ce ps6938\">approximate <span class=\"f ps2\"> </span></span></div><div class=\"ps14214 ss1750\"><span class=\"f charStyle-a26246ce ps14230\">carrying <span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss1750\"><span class=\"f charStyle-a26246ce ps13640\">amounts</span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14232 ss1831\"><div><div class=\"ps14216 ss1310\"><span class=\"f charStyle-6f1c08a8 ps11557\">Level 1<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14234 ss1831\"><div><div class=\"ps14216 ss1310\"><span class=\"f charStyle-6f1c08a8 ps14233\">Level 2<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14236 ss1832\"><div><div class=\"ps14216 ss1750\"><span class=\"f charStyle-6f1c08a8 ps14235\">Level 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3651 ss1833\"><div><div class=\"ps4014 ss713\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps4049 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-b7f6e8e5 ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps3844 ss1835\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cash and balances <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">at\u00a0central\u00a0banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14238 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.35pt\"></span></span><span class=\"ps14237\">3\u00a0173\u00a0756<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14239 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.35pt\"></span></span><span class=\"ps14237\">3\u00a0173\u00a0756<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14240 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14241 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14242 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14243 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14244 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps853 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14245 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.53pt\"></span></span><span class=\"ps11595\">801\u00a0104<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14246 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.53pt\"></span></span><span class=\"ps11595\">801\u00a0104<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14247 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14248 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14249 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14250 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14251 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:30pt\"><td style=\"padding:0\"><div class=\"ps858 ss1838\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Reverse repurchase <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">agreements and cash collateral <span class=\"f ps2\"> </span></span></div><div class=\"ps8432 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">on securities borrowed</span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14253 ss1839\"><div><div class=\"ps8432 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.68pt\"></span></span><span class=\"ps14252\">1\u00a0884\u00a0699<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14254 ss1839\"><div><div class=\"ps8432 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.01pt\"></span></span><span class=\"ps10477\">1\u00a0552\u00a0902<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14256 ss1839\"><div><div class=\"ps8432 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.91pt\"></span></span><span class=\"ps14255\">331\u00a0797<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14257 ss1840\"><div><div class=\"ps8432 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.06pt\"></span></span><span class=\"ps12070\">332\u00a0104<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14258 ss1839\"><div><div class=\"ps8432 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14260 ss1839\"><div><div class=\"ps8432 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.06pt\"></span></span><span class=\"ps14259\">332\u00a0104<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14261 ss1840\"><div><div class=\"ps8432 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11712 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14263 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.81pt\"></span></span><span class=\"ps14262\">2\u00a0007\u00a0080<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14264 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.34pt\"></span></span><span class=\"ps13283\">938\u00a0497<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14266 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.74pt\"></span></span><span class=\"ps14265\">1\u00a0068\u00a0583<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14268 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.59pt\"></span></span><span class=\"ps14267\">1\u00a0067\u00a0118<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14269 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.59pt\"></span></span><span class=\"ps13605\">1\u00a0067\u00a0118<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14270 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14271 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps49 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14273 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.1pt\"></span></span><span class=\"ps14272\">1\u00a0067\u00a0089<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14274 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.43pt\"></span></span><span class=\"ps9689\">136\u00a0509<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14276 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.16pt\"></span></span><span class=\"ps14275\">930\u00a0580<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14278 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.07pt\"></span></span><span class=\"ps14277\">916\u00a0477<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14279 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14280 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.07pt\"></span></span><span class=\"ps9422\">916\u00a0477<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14281 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps11737 ss1835\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">to\u00a0customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14283 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.44pt\"></span></span><span class=\"ps14282\">14\u00a0325\u00a0978<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14284 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.82pt\"></span></span><span class=\"ps9443\">589\u00a0657<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14286 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.41pt\"></span></span><span class=\"ps14285\">13\u00a0736\u00a0321<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14288 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:3.88pt\"></span></span><span class=\"ps14287\">13\u00a0773\u00a0763<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14289 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14291 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.8pt\"></span></span><span class=\"ps14290\">980\u00a0971<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14292 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:3.95pt\"></span></span><span class=\"ps14225\">12\u00a0792\u00a0792<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1042 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14293 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.33pt\"></span></span><span class=\"ps9687\">114\u00a0438<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14294 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.33pt\"></span></span><span class=\"ps9687\">114\u00a0438<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14295 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14296 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14297 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14298 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14299 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1046 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14300 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.34pt\"></span></span><span class=\"ps13283\">734\u00a0452<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14301 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.34pt\"></span></span><span class=\"ps13283\">734\u00a0452<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14302 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14303 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14304 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14305 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14306 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14308 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:3.54pt\"></span></span><span class=\"ps14307\">24\u00a0108\u00a0596<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14310 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.55pt\"></span></span><span class=\"ps14309\">8\u00a0041\u00a0315<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14312 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.32pt\"></span></span><span class=\"ps14311\">16\u00a0067\u00a0281<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14313 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:0.42pt\"></span></span><span class=\"ps6429\">16\u00a0089\u00a0462<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1054 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-b7f6e8e5 ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1058 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deposits by banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14315 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.57pt\"></span></span><span class=\"ps14314\">902\u00a0678<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14317 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.42pt\"></span></span><span class=\"ps14316\">221\u00a0008<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14318 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.8pt\"></span></span><span class=\"ps14290\">681\u00a0670<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14319 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.59pt\"></span></span><span class=\"ps5377\">684\u00a0211<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps13940 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14320 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.59pt\"></span></span><span class=\"ps11823\">684\u00a0211<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14321 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps1062 ss1835\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Repurchase agreements and <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">cash collateral on securities lent<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14322 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.35pt\"></span></span><span class=\"ps14237\">1\u00a0065\u00a0587<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14323 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.35pt\"></span></span><span class=\"ps14237\">1\u00a0065\u00a0587<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14324 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14325 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14326 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14327 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14328 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps920 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Customer accounts (deposits)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14330 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.34pt\"></span></span><span class=\"ps14329\">22\u00a0467\u00a0743<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14332 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.92pt\"></span></span><span class=\"ps14331\">12\u00a0769\u00a0790<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14333 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.91pt\"></span></span><span class=\"ps13394\">9\u00a0697\u00a0953<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14335 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.26pt\"></span></span><span class=\"ps14334\">9\u00a0627\u00a0072<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14336 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14338 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.26pt\"></span></span><span class=\"ps14337\">9\u00a0627\u00a0072<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14339 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps925 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Debt securities in issue<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14340 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.85pt\"></span></span><span class=\"ps9416\">1\u00a0413\u00a0031<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14341 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.74pt\"></span></span><span class=\"ps9388\">1\u00a0194<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14342 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.36pt\"></span></span><span class=\"ps9550\">1\u00a0411\u00a0837<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14343 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.04pt\"></span></span><span class=\"ps12967\">1\u00a0427\u00a0452<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14344 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.87pt\"></span></span><span class=\"ps10534\">1\u00a0406\u00a0120<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14346 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.78pt\"></span></span><span class=\"ps14345\">21\u00a0332<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14347 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps930 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14349 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.13pt\"></span></span><span class=\"ps14348\">962\u00a0846<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14350 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.13pt\"></span></span><span class=\"ps14348\">962\u00a0846<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14351 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14352 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14353 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14354 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14355 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps934 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Subordinated liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14357 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.47pt\"></span></span><span class=\"ps14356\">697\u00a0632<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14358 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14359 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.47pt\"></span></span><span class=\"ps14356\">697\u00a0632<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14361 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.94pt\"></span></span><span class=\"ps14360\">722\u00a0815<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14363 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.94pt\"></span></span><span class=\"ps14362\">722\u00a0815<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14364 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14365 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14367 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:4.77pt\"></span></span><span class=\"ps14366\">27\u00a0509\u00a0517<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14369 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:3.68pt\"></span></span><span class=\"ps14368\">15\u00a0020\u00a0425<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14371 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:3.65pt\"></span></span><span class=\"ps14370\">12\u00a0489\u00a0092<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14373 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:1.94pt\"></span></span><span class=\"ps14372\">12\u00a0461\u00a0550<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps14376 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For the year ended <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps14374\">31 March 2026<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps14375\">, there were insignificant disposals of financial instruments measured at amortised cost.<span class=\"f ps2\"> </span></span></div><div class=\"ps14377 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For financial assets and financial liabilities that are liquid or have a short-term maturity (less than three months) it is assumed that <span class=\"f ps2\"> </span></span></div><div class=\"ps10981 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the carrying amounts approximate their fair value. These assets and liabilities include demand deposits, savings accounts without <span class=\"f ps2\"> </span></span></div><div class=\"ps14378 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">a\u00a0specific maturity, which are included in customer accounts (deposits), and variable rate instruments.<span class=\"f ps2\"> </span></span></div><div class=\"ps14379 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Financial instruments for which fair value does not approximate carrying value<span class=\"f ps2\"> </span></span></div><div class=\"ps14380 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Differences in amortised cost and fair value occur in fixed rate instruments. The fair value of fixed rate financial assets and financial <span class=\"f ps2\"> </span></span></div><div class=\"ps14381 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">liabilities carried at amortised cost are estimated by comparing spreads earned on the transactions with spreads earned on similar <span class=\"f ps2\"> </span></span></div><div class=\"ps14382 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">new transactions entered into by the Group. The estimated fair value of fixed interest-bearing deposits is based on discounted </span></div><div class=\"ps14383 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">cash flows, using prevailing money market interest rates for debts with similar credit risk and maturity. For quoted subordinated </span></div><div class=\"ps14384 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">debt issued, the fair values are calculated based on quoted market prices. For those notes issued where quoted market prices are </span></div><div class=\"ps14385 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">not available, a discounted cash flow model is used based on a current interest rate yield curve appropriate for\u00a0the remaining term <span class=\"f ps2\"> </span></span></div><div class=\"ps14386 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">to maturity.</span></div></div><div class=\"ps72 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:118.5pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"4\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps13835 ss1841\"><div><div class=\"ps8543 ss1029\"><span class=\"f charStyle-a26246ce ps13299\">Level within the fair value hierarchy<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:41.25pt\"><td style=\"padding:0\"><div class=\"ps2724 ss1830\"><div><div class=\"ps14212 ss713\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">At 31 March 2025</span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14389 ss1831\"><div><div class=\"ps14214 ss1310\"><span class=\"f charStyle-a26246ce ps14213\">Carrying <span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss1310\"><span class=\"f charStyle-a26246ce ps14215\">amount<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14390 ss1831\"><div><div class=\"ps14218 ss1310\"><span class=\"f charStyle-a26246ce ps11470\">Fair value <span class=\"f ps2\"> </span></span></div><div class=\"ps14220 ss1310\"><span class=\"f charStyle-a26246ce ps14219\">approximates <span class=\"f ps2\"> </span></span></div><div class=\"ps14214 ss1310\"><span class=\"f charStyle-a26246ce ps14221\">carrying <span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss1310\"><span class=\"f charStyle-a26246ce ps14215\">amount<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14391 ss1831\"><div><div class=\"ps809 ss1310\"><span class=\"f charStyle-a26246ce ps14223\">Balances <span class=\"f ps2\"> </span></span></div><div class=\"ps14224 ss1310\"><span class=\"f charStyle-a26246ce ps128\">where fair <span class=\"f ps2\"> </span></span></div><div class=\"ps14218 ss1310\"><span class=\"f charStyle-a26246ce ps14225\">values do not <span class=\"f ps2\"> </span></span></div><div class=\"ps14220 ss1310\"><span class=\"f charStyle-a26246ce ps14226\">approximate <span class=\"f ps2\"> </span></span></div><div class=\"ps14214 ss1310\"><span class=\"f charStyle-a26246ce ps14221\">carrying </span></div><div class=\"ps14216 ss1310\"><span class=\"f charStyle-a26246ce ps9475\">amounts<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14392 ss1832\"><div><div class=\"ps809 ss1750\"><span class=\"f charStyle-a26246ce ps14228\">Fair value of <span class=\"f ps2\"> </span></span></div><div class=\"ps14224 ss1750\"><span class=\"f charStyle-a26246ce ps12493\">balances that <span class=\"f ps2\"> </span></span></div><div class=\"ps14218 ss1750\"><span class=\"f charStyle-a26246ce ps14229\">do not </span></div><div class=\"ps14220 ss1750\"><span class=\"f charStyle-a26246ce ps6938\">approximate <span class=\"f ps2\"> </span></span></div><div class=\"ps14214 ss1750\"><span class=\"f charStyle-a26246ce ps14230\">carrying <span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss1750\"><span class=\"f charStyle-a26246ce ps13640\">amounts</span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14393 ss1831\"><div><div class=\"ps14216 ss1310\"><span class=\"f charStyle-6f1c08a8 ps11557\">Level 1<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14394 ss1831\"><div><div class=\"ps14216 ss1310\"><span class=\"f charStyle-6f1c08a8 ps14233\">Level 2<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14395 ss1832\"><div><div class=\"ps14216 ss1750\"><span class=\"f charStyle-6f1c08a8 ps14235\">Level 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps6177 ss1833\"><div><div class=\"ps4014 ss713\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps216 ss1842\"><div><div class=\"ps997 ss713\"><span class=\"f charStyle-b7f6e8e5 ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps3325 ss1835\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cash and balances <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">at\u00a0central\u00a0banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14397 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.36pt\"></span></span><span class=\"ps14396\">4\u00a0191\u00a0750<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14398 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.36pt\"></span></span><span class=\"ps14396\">4\u00a0191\u00a0750<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14399 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14400 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14401 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14402 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14403 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13051 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14404 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.57pt\"></span></span><span class=\"ps14314\">860\u00a0267<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14405 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.57pt\"></span></span><span class=\"ps14314\">860\u00a0267<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14406 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14407 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14408 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14409 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14410 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:30pt\"><td style=\"padding:0\"><div class=\"ps13055 ss1838\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Reverse repurchase <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">agreements and cash collateral <span class=\"f ps2\"> </span></span></div><div class=\"ps8432 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">on securities borrowed</span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14412 ss1839\"><div><div class=\"ps8432 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.77pt\"></span></span><span class=\"ps14411\">1\u00a0584\u00a0352<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14414 ss1839\"><div><div class=\"ps8432 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.1pt\"></span></span><span class=\"ps14413\">1\u00a0318\u00a0407<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14415 ss1839\"><div><div class=\"ps8432 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.36pt\"></span></span><span class=\"ps9216\">265\u00a0945<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14417 ss1840\"><div><div class=\"ps8432 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.99pt\"></span></span><span class=\"ps14416\">266\u00a0404<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14418 ss1839\"><div><div class=\"ps8432 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14420 ss1839\"><div><div class=\"ps8432 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.99pt\"></span></span><span class=\"ps14419\">266\u00a0404<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14421 ss1840\"><div><div class=\"ps8432 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3334 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14423 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.09pt\"></span></span><span class=\"ps14422\">1\u00a0189\u00a0050<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14424 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.36pt\"></span></span><span class=\"ps1625\">421\u00a0866<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14426 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.06pt\"></span></span><span class=\"ps14425\">767\u00a0184<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14428 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.92pt\"></span></span><span class=\"ps14427\">767\u00a0504<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14430 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.92pt\"></span></span><span class=\"ps14429\">767\u00a0504<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14431 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14432 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9686 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14434 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.81pt\"></span></span><span class=\"ps14433\">712\u00a0209<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14436 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.64pt\"></span></span><span class=\"ps14435\">75\u00a0979<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14438 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.95pt\"></span></span><span class=\"ps14437\">636\u00a0230<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14439 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.12pt\"></span></span><span class=\"ps4277\">629\u00a0936<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14440 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14441 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.12pt\"></span></span><span class=\"ps11405\">629\u00a0936<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14442 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps4482 ss1835\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">to\u00a0customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14444 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.86pt\"></span></span><span class=\"ps14443\">14\u00a0236\u00a0486<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14446 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.1pt\"></span></span><span class=\"ps14445\">564\u00a0094<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14447 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.32pt\"></span></span><span class=\"ps3536\">13\u00a0672\u00a0392<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14449 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:2.73pt\"></span></span><span class=\"ps14448\">13\u00a0643\u00a0949<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14450 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14451 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.61pt\"></span></span><span class=\"ps9283\">1\u00a0006\u00a0893<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14452 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:3.54pt\"></span></span><span class=\"ps14307\">12\u00a0637\u00a0056<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2384 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14454 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.58pt\"></span></span><span class=\"ps14453\">139\u00a0212<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14455 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.91pt\"></span></span><span class=\"ps11905\">91\u00a0024<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14456 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.91pt\"></span></span><span class=\"ps11905\">48\u00a0188<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14457 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.81pt\"></span></span><span class=\"ps1618\">48\u00a0164<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps13926 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14458 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.81pt\"></span></span><span class=\"ps11862\">48\u00a0164<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14459 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"><div class=\"ps2388 ss1842\"><div><div class=\"ps997 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14460 ss1314\"><div><div class=\"ps997 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.1pt\"></span></span><span class=\"ps14445\">349\u00a0568<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14461 ss1314\"><div><div class=\"ps997 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.1pt\"></span></span><span class=\"ps14445\">349\u00a0568<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14462 ss1314\"><div><div class=\"ps997 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14463 ss1843\"><div><div class=\"ps997 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14464 ss1314\"><div><div class=\"ps997 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14465 ss1314\"><div><div class=\"ps997 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14466 ss1843\"><div><div class=\"ps997 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14468 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:2.82pt\"></span></span><span class=\"ps14467\">23\u00a0262\u00a0894<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14470 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.65pt\"></span></span><span class=\"ps14469\">7\u00a0872\u00a0955<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14471 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:3.67pt\"></span></span><span class=\"ps9968\">15\u00a0389\u00a0939<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14473 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:1.51pt\"></span></span><span class=\"ps14472\">15\u00a0355\u00a0957<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2396 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-b7f6e8e5 ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8900 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deposits by banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14475 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.5pt\"></span></span><span class=\"ps14474\">1\u00a0477\u00a0568<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14476 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.66pt\"></span></span><span class=\"ps10180\">201\u00a0160<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14477 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.01pt\"></span></span><span class=\"ps10477\">1\u00a0276\u00a0408<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14479 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.66pt\"></span></span><span class=\"ps14478\">1\u00a0282\u00a0354<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14480 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14482 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.66pt\"></span></span><span class=\"ps14481\">1\u00a0282\u00a0354<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14483 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps4714 ss1835\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Repurchase agreements and <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">cash collateral on securities lent<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14484 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.8pt\"></span></span><span class=\"ps14290\">178\u00a0202<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14485 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.8pt\"></span></span><span class=\"ps14290\">178\u00a0202<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14486 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14487 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14488 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14489 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14490 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13820 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Customer accounts (deposits)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14491 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.56pt\"></span></span><span class=\"ps6280\">21\u00a0455\u00a0855<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14492 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.51pt\"></span></span><span class=\"ps11553\">13\u00a0473\u00a0780<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14493 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.36pt\"></span></span><span class=\"ps13208\">7\u00a0982\u00a0075<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14495 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.04pt\"></span></span><span class=\"ps14494\">7\u00a0949\u00a0847<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14496 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14498 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.04pt\"></span></span><span class=\"ps14497\">7\u00a0949\u00a0847<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14499 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14500 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Debt securities in issue<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14502 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.84pt\"></span></span><span class=\"ps14501\">1\u00a0301\u00a0802<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14503 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.74pt\"></span></span><span class=\"ps9388\">1\u00a0194<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14505 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.58pt\"></span></span><span class=\"ps14504\">1\u00a0300\u00a0608<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14507 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.08pt\"></span></span><span class=\"ps14506\">1\u00a0308\u00a0371<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14508 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.26pt\"></span></span><span class=\"ps9201\">1\u00a0176\u00a0693<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14509 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.92pt\"></span></span><span class=\"ps12379\">131\u00a0678<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14510 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14511 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14512 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.82pt\"></span></span><span class=\"ps9436\">548\u00a0617<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14513 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.57pt\"></span></span><span class=\"ps14314\">547\u00a0935<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14515 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.06pt\"></span></span><span class=\"ps14514\">682<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14517 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.29pt\"></span></span><span class=\"ps14516\">189<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14518 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14519 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14520 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.29pt\"></span></span><span class=\"ps14516\">189<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14521 ss1834\"><div><div class=\"ps815 ss713\"><span class=\"f charStyle-2b0f4fe0 ps7\">Subordinated liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14522 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.47pt\"></span></span><span class=\"ps9669\">682\u00a0218<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14523 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14524 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.47pt\"></span></span><span class=\"ps9669\">682\u00a0218<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14526 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.82pt\"></span></span><span class=\"ps14525\">712\u00a0548<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14527 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.82pt\"></span></span><span class=\"ps9436\">712\u00a0548<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14528 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14529 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14531 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:2.8pt\"></span></span><span class=\"ps14530\">25\u00a0644\u00a0262<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14533 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.29pt\"></span></span><span class=\"ps14532\">14\u00a0402\u00a0271<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14535 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.47pt\"></span></span><span class=\"ps14534\">11\u00a0241\u00a0991<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14537 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:1.97pt\"></span></span><span class=\"ps14536\">11\u00a0253\u00a0309<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps14539 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For the year ended </span><span class=\"f charStyle-33e1c6d6 ps14374\">31 March 2025</span><span class=\"f charStyle-33e1c6d6 ps14538\">, there were insignificant disposals of financial instruments measured at amortised cost.</span></div><div class=\"ps5918 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Fixed rate financial instruments</span></div><div class=\"ps5919 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The fair value of fixed rate financial assets and financial liabilities carried at amortised cost are estimated by comparing spreads </span></div><div class=\"ps5920 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">earned on the transactions with spreads earned on similar new transactions entered into by the Group. The estimated fair value </span></div><div class=\"ps13827 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of\u00a0fixed interest-bearing deposits is based on discounted cash flows, using prevailing money market interest rates for debts </span></div><div class=\"ps13828 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">with\u00a0similar credit risk and maturity. </span></div><div class=\"ps14190 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For quoted subordinated debt issued, the fair values are calculated based on quoted market prices. For those notes issued where </span></div><div class=\"ps14541 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">quoted market prices are not available, a discounted cash flow model is used based on a current interest rate yield curve </span></div><div class=\"ps14542 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">appropriate for the remaining term to maturity.</span></div><div class=\"ps14543 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Certain financial instruments that would normally be carried at fair value continue to be recognised at transaction price. This\u00a0occurs </span></div><div class=\"ps14544 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">when the fair value would normally be determined using valuation techniques which cannot be relied on due to\u00a0insufficient external </span></div><div class=\"ps14545 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">inputs. This results in gains or losses which have not been recognised on-balance sheet.<span class=\"f ps2\"> </span></span></div><div class=\"ps14546 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The following table sets out the Group\u2019s principal level 2 and 3 valuation techniques used in determining the fair value of its </span></div><div class=\"ps14547 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">financial assets and financial liabilities:</span></div><div class=\"ps14573 ss8\"><div class=\"ss1321 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:159.75pt\"></td><td style=\"padding:0;width:159.75pt\"></td><td style=\"padding:0;width:159.75pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps14548 ss1844\"><div><div class=\"ps189 ss1049\"><span class=\"f charStyle-a26246ce ps887\">Valuation basis/techniques<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps14550 ss1844\"><div><div class=\"ps189 ss1049\"><span class=\"f charStyle-a26246ce ps14549\">Main inputs<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1844\"><div><div class=\"ps189 ss1049\"><span class=\"f charStyle-a26246ce ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps213 ss1845\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14551 ss1845\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14552 ss1845\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Yield curve<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps1202 ss1846\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Reverse repurchase agreements and cash <span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">collateral on securities\u00a0borrowed<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps14553 ss1846\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps14554 ss1846\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Yield curve<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rates<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13807 ss1846\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14555 ss1846\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Externally sourced price<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14556 ss1846\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Yield curve<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Externally sourced price<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:32.25pt\"><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps4656 ss1847\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps14557 ss1847\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps14558 ss1847\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Yield curve<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit spread<span class=\"f ps2\"> </span></span></div><div class=\"ps5431 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rates<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14559 ss1846\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14560 ss1846\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14561 ss1846\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit spread<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rates<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps2380 ss1845\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sovereign debt<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps14562 ss1845\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Externally sourced price<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps14563 ss1845\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Externally sourced price<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8640 ss1844\"><div><div class=\"ps189 ss1049\"><span class=\"f charStyle-a26246ce ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:32.25pt\"><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps3341 ss1847\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deposits by banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14564 ss1847\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14565 ss1847\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Yield curve<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit spread<span class=\"f ps2\"> </span></span></div><div class=\"ps5431 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rates<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:32.25pt\"><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps1218 ss1847\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Repurchase agreements and\u00a0cash collateral <span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">on securities lent<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps14566 ss1847\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps14567 ss1847\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Yield curve<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit spread<span class=\"f ps2\"> </span></span></div><div class=\"ps5431 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rates<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:32.25pt\"><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14568 ss1847\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Customer accounts (deposits)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14569 ss1847\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14570 ss1847\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Yield curve<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit spread<span class=\"f ps2\"> </span></span></div><div class=\"ps5431 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rates<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps11264 ss1846\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Debt securities in issue<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps14571 ss1846\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Externally sourced price<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps14572 ss1846\"><div><div class=\"ps2632 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Yield curve<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1049\"><span class=\"f charStyle-2b0f4fe0 ps7\">Externally sourced price<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFairValueMeasurementExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-918": {
   "value": "<div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_265\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">13<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps13314\">.<span class=\"f ps2\"> </span><span id=\"ibffbad9e27df4a1cb2c3782704227d4a_7023\"></span></span><span class=\"f charStyle-f6a3ab10 ps13315\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps13316\">Fair value hierarchy<span class=\"f ps2\"> </span></span></div><div class=\"ps979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The table below analyses recurring fair value measurements for financial assets and financial liabilities. These fair value <span class=\"f ps2\"> </span></span></div><div class=\"ps980 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">measurements are categorised into different levels in the fair value hierarchy based on the inputs to the valuation technique used. <span class=\"f ps2\"> </span></span></div><div class=\"ps981 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The different levels are identified as follows:<span class=\"f ps2\"> </span></span></div><div class=\"ps4871 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">Level 1</span><span class=\"f charStyle-33e1c6d6 ps13317\"> \u2013 quoted (unadjusted) prices in active markets for identical assets or liabilities.<span class=\"f ps2\"> </span></span></div><div class=\"ps8136 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">Level 2<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps13318\"> \u2013 inputs other than quoted prices included within level 1 that are observable for the asset or liability, either directly</span></div><div class=\"ps4873 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6\"><span class=\"ps699\"><span style=\"display:inline-block;height:7.75pt;width:36.08pt\"></span></span><span class=\"ps6985\">(i.e. as prices) or indirectly (i.e. derived from prices).</span></span></div><div class=\"ps8840 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">Level 3</span><span class=\"f charStyle-33e1c6d6 ps13319\"> \u2013 inputs for the asset or liability that are not based on observable market data (unobservable inputs).</span></div><div class=\"ps13401 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:261.75pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps13321 ss1738\"><div><div class=\"ps809 ss1737\"><span class=\"f charStyle-a26246ce ps13320\">Fair value category<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"padding:0\"><div class=\"ps816 ss1740\"><div><div class=\"ps13322 ss1739\"><span class=\"f charStyle-a26246ce ps7\">At 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13325 ss1741\"><div><div class=\"ps989 ss114\"><span class=\"f charStyle-a26246ce ps11290\">Total<span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss114\"><span class=\"f charStyle-a26246ce ps13323\"> instruments at<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss114\"><span class=\"f charStyle-a26246ce ps13324\"> fair value<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11854 ss297\"><div><div class=\"ps983 ss296\"><span class=\"f charStyle-6f1c08a8 ps13326\">Level 1<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11855 ss297\"><div><div class=\"ps983 ss296\"><span class=\"f charStyle-6f1c08a8 ps13327\">Level 2<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13329 ss1741\"><div><div class=\"ps983 ss114\"><span class=\"f charStyle-6f1c08a8 ps13328\">Level 3<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2482 ss1742\"><div><div class=\"ps4014 ss1739\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3588 ss1743\"><div><div class=\"ps997 ss1739\"><span class=\"f charStyle-b7f6e8e5 ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1006 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13330 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.61pt\"></span></span><span class=\"ps7428\">1\u00a0681\u00a0058<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13331 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.61pt\"></span></span><span class=\"ps12890\">1\u00a0681\u00a0058<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13332 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps1009 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1010 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Bank debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13333 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.82pt\"></span></span><span class=\"ps9436\">473\u00a0920<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13334 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.82pt\"></span></span><span class=\"ps12896\">473\u00a0920<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13335 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps1013 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1014 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13336 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.41pt\"></span></span><span class=\"ps8328\">50\u00a0662<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13337 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.21pt\"></span></span><span class=\"ps4570\">8\u00a0753<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13339 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.75pt\"></span></span><span class=\"ps13338\">3\u00a0945<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps1017 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.42pt\"></span></span><span class=\"ps9257\">37\u00a0964<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1018 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13340 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.07pt\"></span></span><span class=\"ps9449\">354\u00a0121<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13341 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13343 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.31pt\"></span></span><span class=\"ps13342\">352\u00a0747<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps1021 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.22pt\"></span></span><span class=\"ps11592\">1\u00a0374<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1022 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securities arising from trading activities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13344 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.3pt\"></span></span><span class=\"ps9455\">44\u00a0723<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13345 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.3pt\"></span></span><span class=\"ps11877\">44\u00a0723<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13346 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps1025 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12075 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13348 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.99pt\"></span></span><span class=\"ps13347\">3\u00a0477\u00a0675<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13349 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13351 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.06pt\"></span></span><span class=\"ps13350\">34\u00a0682<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13353 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.57pt\"></span></span><span class=\"ps13352\">3\u00a0442\u00a0993<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps341 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fair value adjustment for asset portfolio hedged risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13354 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.14pt\"></span></span><span class=\"ps9466\">(20\u00a0507)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13355 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.14pt\"></span></span><span class=\"ps12920\">(20\u00a0507)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11712 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13356 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.57pt\"></span></span><span class=\"ps9475\">414\u00a0380<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13357 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.32pt\"></span></span><span class=\"ps9255\">211\u00a0545<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13358 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.75pt\"></span></span><span class=\"ps891\">730<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13359 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.04pt\"></span></span><span class=\"ps11834\">202\u00a0105<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps49 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13360 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.12pt\"></span></span><span class=\"ps12788\">8\u00a0199<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13362 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.1pt\"></span></span><span class=\"ps13361\">3\u00a0782<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13363 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13364 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.24pt\"></span></span><span class=\"ps9304\">4\u00a0417<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13365 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.96pt\"></span></span><span class=\"ps12807\">6\u00a0484\u00a0231<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13367 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.81pt\"></span></span><span class=\"ps13366\">2\u00a0423\u00a0781<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13369 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.77pt\"></span></span><span class=\"ps13368\">371\u00a0597<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13371 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.84pt\"></span></span><span class=\"ps13370\">3\u00a0688\u00a0853<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3338 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-b7f6e8e5 ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13372 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13373 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.95pt\"></span></span><span class=\"ps9521\">419\u00a0205<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13374 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13375 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.44pt\"></span></span><span class=\"ps9527\">418\u00a0671<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13377 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.42pt\"></span></span><span class=\"ps13376\">534<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13378 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other trading liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13379 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.41pt\"></span></span><span class=\"ps9239\">19\u00a0409<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13380 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.41pt\"></span></span><span class=\"ps12687\">19\u00a0409<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13381 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13382 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13383 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fair value adjustment for liability portfolio hedged risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13384 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.91pt\"></span></span><span class=\"ps9536\">(10\u00a0395)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13385 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13386 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.91pt\"></span></span><span class=\"ps9679\">(10\u00a0395)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13387 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13388 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.99pt\"></span></span><span class=\"ps11746\">428\u00a0219<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13389 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.27pt\"></span></span><span class=\"ps11901\">19\u00a0409<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13390 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.76pt\"></span></span><span class=\"ps12005\">408\u00a0276<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13392 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.96pt\"></span></span><span class=\"ps13391\">534<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13393 ss1744\"><div><div class=\"ps815 ss1739\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net assets at fair value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13395 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.91pt\"></span></span><span class=\"ps13394\">6\u00a0056\u00a0012<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13397 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.19pt\"></span></span><span class=\"ps13396\">2\u00a0404\u00a0372<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13398 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.77pt\"></span></span><span class=\"ps13368\">(36\u00a0679)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13400 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10pt\"></span></span><span class=\"ps13399\">3\u00a0688\u00a0319<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps13402 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Loans and advances to customers at fair value include instruments where the business model is either to sell the loan or where the business model is to hold to collect </span></span></div><div class=\"ps13403 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">the contractual cash flows but the loan has failed the SPPI test.</span></div><div class=\"ps13404 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Transfers between level 1 and level 2</span></div><div class=\"ps13405 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">During the current year there were no transfers between level 1 and level 2.</span></div></div><div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">13</span><span class=\"f charStyle-f6a3ab10 ps13314\">. </span><span class=\"f charStyle-f6a3ab10 ps13316\">Fair value hierarchy</span><span class=\"f charStyle-f6a3ab10 ps13407\"> (continued)<span class=\"f ps2\"> </span></span></div><div class=\"ps11275 ss8\"><div class=\"ss218 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:255.75pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps13408 ss1738\"><div><div class=\"ps809 ss1737\"><span class=\"f charStyle-a26246ce ps13320\">Fair value category<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"padding:0\"><div class=\"ps816 ss1745\"><div><div class=\"ps13322 ss29\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">At </span><span class=\"f charStyle-ef17fa27 ps13038\">31 March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12367 ss1741\"><div><div class=\"ps989 ss114\"><span class=\"f charStyle-a26246ce ps11290\">Total<span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss114\"><span class=\"f charStyle-a26246ce ps13323\"> instruments at<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss114\"><span class=\"f charStyle-a26246ce ps13324\"> fair value<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11109 ss297\"><div><div class=\"ps983 ss296\"><span class=\"f charStyle-6f1c08a8 ps13326\">Level 1<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11111 ss297\"><div><div class=\"ps983 ss296\"><span class=\"f charStyle-6f1c08a8 ps13327\">Level 2<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13409 ss1741\"><div><div class=\"ps983 ss114\"><span class=\"f charStyle-6f1c08a8 ps13328\">Level 3<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2482 ss1746\"><div><div class=\"ps4014 ss29\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3588 ss1698\"><div><div class=\"ps997 ss29\"><span class=\"f charStyle-b7f6e8e5 ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps1006 ss33\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Reverse repurchase agreements and cash collateral on securities <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">borrowed<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13410 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.41pt\"></span></span><span class=\"ps9239\">56\u00a0413<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13411 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13412 ss309\"><div><div class=\"ps469 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.41pt\"></span></span><span class=\"ps12687\">56\u00a0413<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps4799 ss1528\"><div><div class=\"ps469 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3844 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13413 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.26pt\"></span></span><span class=\"ps9201\">1\u00a0335\u00a0652<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13414 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.26pt\"></span></span><span class=\"ps10531\">1\u00a0335\u00a0652<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13415 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13416 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13417 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Bank debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13418 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.08pt\"></span></span><span class=\"ps9438\">324\u00a0179<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13419 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.08pt\"></span></span><span class=\"ps5540\">324\u00a0179<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13420 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13421 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4807 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13423 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.63pt\"></span></span><span class=\"ps13422\">58\u00a0513<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13424 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.94pt\"></span></span><span class=\"ps12297\">8\u00a0777<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13426 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.95pt\"></span></span><span class=\"ps13425\">2\u00a0050<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps4811 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.55pt\"></span></span><span class=\"ps12673\">47\u00a0686<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3328 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps10020 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.98pt\"></span></span><span class=\"ps99\">299\u00a0281<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13427 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13428 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.76pt\"></span></span><span class=\"ps9988\">292\u00a0929<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps4815 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.87pt\"></span></span><span class=\"ps13429\">6\u00a0352<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1026 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securities arising from trading activities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13430 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.1pt\"></span></span><span class=\"ps9457\">149\u00a0912<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13431 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.1pt\"></span></span><span class=\"ps13201\">149\u00a0912<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13432 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13433 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1027 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13435 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.11pt\"></span></span><span class=\"ps13434\">2\u00a0577\u00a0237<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13436 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13437 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.29pt\"></span></span><span class=\"ps13227\">45\u00a0099<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13439 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.14pt\"></span></span><span class=\"ps13438\">2\u00a0532\u00a0138<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1031 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13440 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.93pt\"></span></span><span class=\"ps9477\">347\u00a0590<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13441 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.84pt\"></span></span><span class=\"ps11716\">135\u00a0264<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13443 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.57pt\"></span></span><span class=\"ps13442\">962<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13445 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.96pt\"></span></span><span class=\"ps13444\">211\u00a0364<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1035 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13446 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.5pt\"></span></span><span class=\"ps13102\">4\u00a0336<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13447 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.5pt\"></span></span><span class=\"ps13235\">4\u00a0336<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13448 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13449 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13451 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.8pt\"></span></span><span class=\"ps13450\">5\u00a0153\u00a0113<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13452 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.4pt\"></span></span><span class=\"ps11483\">1\u00a0958\u00a0120<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13454 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.88pt\"></span></span><span class=\"ps13453\">397\u00a0453<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13456 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.69pt\"></span></span><span class=\"ps13455\">2\u00a0797\u00a0540<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1042 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-b7f6e8e5 ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1046 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13457 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.57pt\"></span></span><span class=\"ps9523\">274\u00a0791<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13458 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13459 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.85pt\"></span></span><span class=\"ps12203\">273\u00a0964<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13461 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.91pt\"></span></span><span class=\"ps13460\">827<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1050 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other trading liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13462 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.44pt\"></span></span><span class=\"ps9527\">16\u00a0242<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13463 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.44pt\"></span></span><span class=\"ps13268\">16\u00a0242<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13464 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13465 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13466 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.7pt\"></span></span><span class=\"ps13151\">291\u00a0033<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13468 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.94pt\"></span></span><span class=\"ps13467\">16\u00a0242<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13469 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.98pt\"></span></span><span class=\"ps99\">273\u00a0964<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13471 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.68pt\"></span></span><span class=\"ps13470\">827<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps1058 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net assets at fair value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13473 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.38pt\"></span></span><span class=\"ps13472\">4\u00a0862\u00a0080<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13475 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.62pt\"></span></span><span class=\"ps13474\">1\u00a0941\u00a0878<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13477 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.77pt\"></span></span><span class=\"ps13476\">123\u00a0489<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13479 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.2pt\"></span></span><span class=\"ps13478\">2\u00a0796\u00a0713<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps13480 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Loans and advances to customers at fair value include instruments where the business model is either to sell the loan or where the business model is to hold to collect </span></span></div><div class=\"ps13481 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">the contractual cash flows but the loan has failed the SPPI test.</span></div><div class=\"ps13483 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Transfers between level 1 and level 2</span></div><div class=\"ps13484 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">During the prior year there were no transfers between level 1 and level 2.</span></div></div><div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">13<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps13314\">. </span><span class=\"f charStyle-f6a3ab10 ps13316\">Fair value hierarchy</span><span class=\"f charStyle-f6a3ab10 ps13407\"> (continued)<span class=\"f ps2\"> </span></span></div><div class=\"ps5918 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-b9f48ea1 ps23\" style=\"width:90.81pt\">Level 3 instruments</span></div><div class=\"ps5919 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The following table is a reconciliation of the opening balances to the closing balances for the fair value measurements in level 3 of </span></div><div class=\"ps5920 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the fair value hierarchy:</span></div><div class=\"ps13675 ss8\"><div class=\"ss1764 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:239.25pt\"></td><td style=\"padding:0;width:48pt\"></td><td style=\"padding:0;width:48pt\"></td><td style=\"padding:0;width:48pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:59.25pt\"></td></tr><tr style=\"height:18pt\"><td style=\"padding:0\"><div class=\"ps19 ss1748\"><div><div class=\"ps13322 ss1747\"><span class=\"f charStyle-a26246ce ps7\">For the year to<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3272 ss1749\"><div><div class=\"ps985 ss936\"><span class=\"f charStyle-6f1c08a8 ps13486\">Investment<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss936\"><span class=\"f charStyle-6f1c08a8 ps13487\"> portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13490 ss1749\"><div><div class=\"ps989 ss936\"><span class=\"f charStyle-6f1c08a8 ps13488\">Loans and<span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss936\"><span class=\"f charStyle-6f1c08a8 ps11634\"> advances to<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss936\"><span class=\"f charStyle-6f1c08a8 ps13489\"> customers<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13494 ss1749\"><div><div class=\"ps989 ss936\"><span class=\"f charStyle-6f1c08a8 ps13491\">Other <span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss936\"><span class=\"f charStyle-6f1c08a8 ps13492\">securitised</span></div><div class=\"ps983 ss936\"><span class=\"f charStyle-6f1c08a8 ps13493\"> assets<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13497 ss1751\"><div><div class=\"ps985 ss1750\"><span class=\"f charStyle-6f1c08a8 ps13495\">Other balance<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss1750\"><span class=\"f charStyle-6f1c08a8 ps9654\"> sheet assets<span class=\"f ps2\"> </span></span><span class=\"f charStyle-74272f2c ps13496\"><span class=\"f ps2\"> </span><sup>1</sup></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13498 ss1752\"><div><div class=\"ps4014 ss1747\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13500 ss1754\"><div><div class=\"ps4014 ss1753\"><span class=\"f charStyle-ef17fa27 ps13499\">Total<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps998 ss1756\"><div><div class=\"ps997 ss1755\"><span class=\"f charStyle-b7f6e8e5 ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1002 ss1757\"><div><div class=\"ps815 ss1747\" style=\"font-size:12pt\"><span class=\"f charStyle-13225c7c ps7\">Balance as at 1 April </span><span class=\"f charStyle-13225c7c ps13501\">2024<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13502 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.71pt\"></span></span><span class=\"ps12125\">244\u00a0975<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13504 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:4.76pt\"></span></span><span class=\"ps13503\">2\u00a0042\u00a0150<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13505 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.59pt\"></span></span><span class=\"ps5377\">66\u00a0702<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13507 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.26pt\"></span></span><span class=\"ps13506\">70\u00a0184<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13509 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.25pt\"></span></span><span class=\"ps13508\">2\u00a0424\u00a0011<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1006 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Net gains/(losses) in the income statement^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13511 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.4pt\"></span></span><span class=\"ps13510\">23\u00a0975<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13513 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.58pt\"></span></span><span class=\"ps13512\">209\u00a0554<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13514 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.55pt\"></span></span><span class=\"ps8478\">724<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13516 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.49pt\"></span></span><span class=\"ps13515\">2\u00a0132<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13518 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.58pt\"></span></span><span class=\"ps13517\">236\u00a0385<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps1010 ss1760\"><div><div class=\"ps9695 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Interest income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13519 ss1761\"><div><div class=\"ps9695 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13521 ss1761\"><div><div class=\"ps9695 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.03pt\"></span></span><span class=\"ps13520\">210\u00a0079<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13522 ss1761\"><div><div class=\"ps9695 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13524 ss1762\"><div><div class=\"ps9695 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.58pt\"></span></span><span class=\"ps13523\">3\u00a0357<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13525 ss1763\"><div><div class=\"ps9695 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.59pt\"></span></span><span class=\"ps11443\">213\u00a0436<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps3527 ss1760\"><div><div class=\"ps9695 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Investment income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps13526 ss1761\"><div><div class=\"ps9695 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.4pt\"></span></span><span class=\"ps13510\">23\u00a0975<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13528 ss1761\"><div><div class=\"ps9695 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.95pt\"></span></span><span class=\"ps13527\">(525)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13529 ss1761\"><div><div class=\"ps9695 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.55pt\"></span></span><span class=\"ps8478\">724<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13530 ss1762\"><div><div class=\"ps9695 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.68pt\"></span></span><span class=\"ps5563\">(531)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps13532 ss1763\"><div><div class=\"ps9695 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.93pt\"></span></span><span class=\"ps13531\">23\u00a0643<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9440 ss1760\"><div><div class=\"ps9695 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Trading income/(loss) arising from customer flow<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13533 ss1761\"><div><div class=\"ps9695 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13534 ss1761\"><div><div class=\"ps9695 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13535 ss1761\"><div><div class=\"ps9695 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13536 ss1762\"><div><div class=\"ps9695 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.36pt\"></span></span><span class=\"ps10360\">(694)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps13537 ss1763\"><div><div class=\"ps9695 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.86pt\"></span></span><span class=\"ps835\">(694)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2511 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Gains or (losses) in the statement of comprehensive income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13538 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13539 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.76pt\"></span></span><span class=\"ps9988\">19\u00a0118<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13540 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13542 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13544 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.01pt\"></span></span><span class=\"ps13543\">19\u00a0118<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4281 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Purchases<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13546 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.13pt\"></span></span><span class=\"ps13545\">20\u00a0506<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13548 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.22pt\"></span></span><span class=\"ps13547\">3\u00a0201\u00a0706<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13549 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13550 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.73pt\"></span></span><span class=\"ps9685\">5\u00a0478<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13551 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.27pt\"></span></span><span class=\"ps4137\">3\u00a0227\u00a0690<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4288 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sales<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13553 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.4pt\"></span></span><span class=\"ps13552\">(9\u00a0876)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13555 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.57pt\"></span></span><span class=\"ps13554\">(1\u00a0166\u00a0693)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13556 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13558 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.59pt\"></span></span><span class=\"ps13557\">(421)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13560 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.28pt\"></span></span><span class=\"ps13559\">(1\u00a0176\u00a0990)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4294 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Transfer to associated undertakings and joint venture holdings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13562 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.46pt\"></span></span><span class=\"ps13561\">(34\u00a0497)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13563 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13564 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13565 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13566 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.71pt\"></span></span><span class=\"ps10089\">(34\u00a0497)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4301 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Settlements<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13567 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.01pt\"></span></span><span class=\"ps12727\">(30\u00a0111)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13568 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:4.95pt\"></span></span><span class=\"ps4910\">(1\u00a0730\u00a0700)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13569 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.76pt\"></span></span><span class=\"ps12005\">(8\u00a0403)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13570 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.3pt\"></span></span><span class=\"ps4026\">(16\u00a0306)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13572 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.26pt\"></span></span><span class=\"ps13571\">(1\u00a0785\u00a0520)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4307 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deconsolidated of subsidiaries<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13573 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13574 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13575 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.43pt\"></span></span><span class=\"ps12096\">(59\u00a0023)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13576 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.03pt\"></span></span><span class=\"ps9690\">(1\u00a0998)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13578 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.17pt\"></span></span><span class=\"ps13577\">(61\u00a0021)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4313 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Transfers out of level 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13579 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13580 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.39pt\"></span></span><span class=\"ps8435\">(1\u00a0825)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13581 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13582 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13583 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.64pt\"></span></span><span class=\"ps11110\">(1\u00a0825)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4319 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Foreign exchange adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13584 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.88pt\"></span></span><span class=\"ps13453\">(3\u00a0608)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13585 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.18pt\"></span></span><span class=\"ps2227\">(41\u00a0172)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13586 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13587 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.98pt\"></span></span><span class=\"ps1628\">(5\u00a0031)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13589 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.07pt\"></span></span><span class=\"ps13588\">(49\u00a0811)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps4325 ss1757\"><div><div class=\"ps815 ss1747\" style=\"font-size:12pt\"><span class=\"f charStyle-13225c7c ps7\">Balance as at </span><span class=\"f charStyle-13225c7c ps13590\">31 March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13591 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.8pt\"></span></span><span class=\"ps13450\">211\u00a0364<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13593 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.33pt\"></span></span><span class=\"ps13592\">2\u00a0532\u00a0138<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13594 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.06pt\"></span></span><span class=\"ps8484\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13596 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.62pt\"></span></span><span class=\"ps13595\">54\u00a0038<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13597 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.69pt\"></span></span><span class=\"ps10041\">2\u00a0797\u00a0540<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:3pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9700 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Net gains/(losses) in the income statement^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13598 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.28pt\"></span></span><span class=\"ps12406\">10\u00a0926<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13599 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.61pt\"></span></span><span class=\"ps7428\">228\u00a0416<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13600 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13601 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.91pt\"></span></span><span class=\"ps4543\">(570)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13603 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.31pt\"></span></span><span class=\"ps13602\">238\u00a0772<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9704 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Interest income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13604 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13606 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.59pt\"></span></span><span class=\"ps13605\">234\u00a0915<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13607 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13609 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.6pt\"></span></span><span class=\"ps13608\">3\u00a0978<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13610 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.46pt\"></span></span><span class=\"ps3969\">238\u00a0893<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9708 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Investment income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps13611 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.28pt\"></span></span><span class=\"ps12406\">10\u00a0926<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13613 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.94pt\"></span></span><span class=\"ps13612\">(6\u00a0499)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13614 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13616 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.22pt\"></span></span><span class=\"ps13615\">(3\u00a0071)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps13618 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.1pt\"></span></span><span class=\"ps13617\">1\u00a0356<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9712 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Trading income/(loss) arising from customer flow<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13619 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13620 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13621 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13623 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.62pt\"></span></span><span class=\"ps13622\">(1\u00a0477)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps13624 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.12pt\"></span></span><span class=\"ps882\">(1\u00a0477)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4715 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Gains or (losses) in the statement of comprehensive income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13625 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13627 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.1pt\"></span></span><span class=\"ps13626\">(7\u00a0715)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13628 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13629 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13631 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.35pt\"></span></span><span class=\"ps13630\">(7\u00a0715)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9720 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Purchases and originations<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13632 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.71pt\"></span></span><span class=\"ps9402\">7\u00a0043<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13634 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.28pt\"></span></span><span class=\"ps13633\">4\u00a0574\u00a0655<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13635 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13637 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.54pt\"></span></span><span class=\"ps13636\">35\u00a0643<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13639 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.52pt\"></span></span><span class=\"ps13638\">4\u00a0617\u00a0341<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9725 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sales<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13641 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.57pt\"></span></span><span class=\"ps13640\">(14\u00a0029)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13642 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.93pt\"></span></span><span class=\"ps9718\">(1\u00a0116\u00a0954)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13643 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13645 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.41pt\"></span></span><span class=\"ps13644\">(21\u00a0002)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13647 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.4pt\"></span></span><span class=\"ps13646\">(1\u00a0151\u00a0985)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9730 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Settlements<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13648 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.79pt\"></span></span><span class=\"ps10450\">(4\u00a0328)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13649 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:4.41pt\"></span></span><span class=\"ps5463\">(2\u00a0801\u00a0536)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13650 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13652 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.2pt\"></span></span><span class=\"ps13651\">(20\u00a0899)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13653 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.7pt\"></span></span><span class=\"ps7321\">(2\u00a0826\u00a0763)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1382 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Transfers out of level 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13655 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.89pt\"></span></span><span class=\"ps13654\">(9\u00a0335)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13656 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13657 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13658 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13659 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.14pt\"></span></span><span class=\"ps11661\">(9\u00a0335)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9733 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-2b0f4fe0 ps7\">Foreign exchange adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13661 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.08pt\"></span></span><span class=\"ps13660\">464<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13662 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.79pt\"></span></span><span class=\"ps10301\">33\u00a0989<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13663 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13664 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.77pt\"></span></span><span class=\"ps13476\">(3\u00a0455)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13666 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.15pt\"></span></span><span class=\"ps13665\">30\u00a0998<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps9737 ss1757\"><div><div class=\"ps815 ss1747\"><span class=\"f charStyle-b7f6e8e5 ps7\">Balance as at 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13668 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.57pt\"></span></span><span class=\"ps13667\">202\u00a0105<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13670 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:3.44pt\"></span></span><span class=\"ps13669\">3\u00a0442\u00a0993<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13671 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.06pt\"></span></span><span class=\"ps8484\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13672 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.44pt\"></span></span><span class=\"ps11594\">43\u00a0755<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13674 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.84pt\"></span></span><span class=\"ps13673\">3\u00a0688\u00a0853<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps13677 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps23\">1</span><span class=\"f charStyle-207fba8f\"><span class=\"ps13676\">.<span style=\"display:inline-block;height:5.81pt;width:9.9pt\"></span></span><span class=\"ps968\">Comprises of other debt securities, derivative financial instruments and securities arising from trading.</span></span></div><div class=\"ps13678 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">The line \u2018net gains/(losses) recognised in the income statement\u2019 has been disaggregated in the current year, with comparatives re-presented accordingly. </span></span></div><div class=\"ps13680 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group transfers between levels within the fair value hierarchy when the observability of inputs change, or if the valuation </span></div><div class=\"ps13681 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps699\">methods change. Transfers are deemed to occur at the end of each semi-annual reporting period.</span></div><div class=\"ps13682 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">During the year ended 31 March 2026, investment portfolio assets of \u00a39.3 million (31 March 2025: \u00a30 million) were transferred from </span></div><div class=\"ps13683 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Level 3 to Level 2 due to the use of broker\u2011observable valuation inputs. In the prior year, loans and advances to customers of </span></div><div class=\"ps13684 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u00a31.8\u00a0million were transferred from Level 3 to Level 2, due to the valuation methodologies being reviewed and broker inputs being </span></div><div class=\"ps13685 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">used to determine the fair value.</span></div></div><div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">13</span><span class=\"f charStyle-f6a3ab10 ps13314\">. </span><span class=\"f charStyle-f6a3ab10 ps13316\">Fair value hierarchy</span><span class=\"f charStyle-f6a3ab10 ps13407\"> (continued)<span class=\"f ps2\"> </span></span></div><div class=\"ps72 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:311.25pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td></tr><tr style=\"height:18pt\"><td style=\"padding:0\"><div class=\"ps19 ss1766\"><div><div class=\"ps13322 ss1765\"><span class=\"f charStyle-a26246ce ps7\">For the year to<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12405 ss1768\"><div><div class=\"ps989 ss1767\"><span class=\"f charStyle-6f1c08a8 ps13686\">Liabilities arising <span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss1767\"><span class=\"f charStyle-6f1c08a8 ps13687\">on securitisation\u00a0 <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss1767\"><span class=\"f charStyle-6f1c08a8 ps9201\">of other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13689 ss1741\"><div><div class=\"ps989 ss114\"><span class=\"f charStyle-6f1c08a8 ps4327\">Derivative </span></div><div class=\"ps985 ss114\"><span class=\"f charStyle-6f1c08a8 ps13688\">financial </span></div><div class=\"ps983 ss114\"><span class=\"f charStyle-6f1c08a8 ps12499\">instruments</span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps996 ss1741\"><div><div class=\"ps983 ss114\"><span class=\"f charStyle-ef17fa27 ps11290\">Total<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13498 ss1769\"><div><div class=\"ps4014 ss1765\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps998 ss1770\"><div><div class=\"ps815 ss1765\"><span class=\"f charStyle-b7f6e8e5 ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3588 ss1770\"><div><div class=\"ps815 ss1765\" style=\"font-size:12pt\"><span class=\"f charStyle-13225c7c ps7\">Balance as at 1 April </span><span class=\"f charStyle-13225c7c ps13501\">2024<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13691 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.74pt\"></span></span><span class=\"ps13690\">71\u00a0751<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13693 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.84pt\"></span></span><span class=\"ps13692\">934<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13695 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.17pt\"></span></span><span class=\"ps13694\">72\u00a0685<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3593 ss1770\"><div><div class=\"ps815 ss1765\"><span class=\"f charStyle-2b0f4fe0 ps7\">Net (gains)/losses in the income statement^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13697 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.64pt\"></span></span><span class=\"ps13696\">311<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13698 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.14pt\"></span></span><span class=\"ps4270\">29<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13700 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.28pt\"></span></span><span class=\"ps13699\">340<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps3323 ss1770\"><div><div class=\"ps815 ss1765\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Investment income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13701 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.64pt\"></span></span><span class=\"ps13696\">311<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13702 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">(19)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13704 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.57pt\"></span></span><span class=\"ps13703\">292<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps450 ss1770\"><div><div class=\"ps815 ss1765\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Trading income/(loss) arising from customer flow<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13706 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.53pt\"></span></span><span class=\"ps13705\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13708 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.01pt\"></span></span><span class=\"ps13707\">48<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps13709 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.01pt\"></span></span><span class=\"ps13707\">48<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3607 ss1770\"><div><div class=\"ps815 ss1765\"><span class=\"f charStyle-2b0f4fe0 ps7\">Settlements<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13711 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.26pt\"></span></span><span class=\"ps13710\">(7\u00a0638)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13712 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13713 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.51pt\"></span></span><span class=\"ps12285\">(7\u00a0638)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3612 ss1770\"><div><div class=\"ps815 ss1765\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deconsolidation of subsidiaries<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13715 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.13pt\"></span></span><span class=\"ps13714\">(64\u00a0424)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13716 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.07pt\"></span></span><span class=\"ps10403\">(136)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13717 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.7pt\"></span></span><span class=\"ps8347\">(64\u00a0560)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps3617 ss1770\"><div><div class=\"ps815 ss1765\"><span class=\"f charStyle-b7f6e8e5 ps7\">Balance as at 31 March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13719 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.06pt\"></span></span><span class=\"ps13718\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13720 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.68pt\"></span></span><span class=\"ps13470\">827<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13721 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.68pt\"></span></span><span class=\"ps13470\">827<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4577 ss1770\"><div><div class=\"ps815 ss1765\"><span class=\"f charStyle-2b0f4fe0 ps7\">Gains or (losses)\u00a0 In the income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13722 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.53pt\"></span></span><span class=\"ps13705\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13723 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.84pt\"></span></span><span class=\"ps12282\">(293)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13724 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.84pt\"></span></span><span class=\"ps12282\">(293)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps1361 ss1770\"><div><div class=\"ps815 ss1765\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Trading income/(loss) arising from customer flow<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13725 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.53pt\"></span></span><span class=\"ps13705\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13726 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.84pt\"></span></span><span class=\"ps12282\">(293)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13727 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.84pt\"></span></span><span class=\"ps12282\">(293)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13728 ss1770\"><div><div class=\"ps815 ss1765\"><span class=\"f charStyle-b7f6e8e5 ps7\">Balance as at 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13729 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.06pt\"></span></span><span class=\"ps13718\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13730 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.96pt\"></span></span><span class=\"ps13391\">534<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13731 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.96pt\"></span></span><span class=\"ps13391\">534<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps13732 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The following table quantifies the gains or (losses) included in the income statement and other comprehensive income recognised </span></div><div class=\"ps13733 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">on level 3 financial instruments:</span></div><div class=\"ps13795 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:306.75pt\"></td><td style=\"padding:0;width:57pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:57pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss1773\"><div><div class=\"ps809 ss1772\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year to<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11067\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps11068\">31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3973 ss1774\"><div><div class=\"ps11070 ss789\"><span class=\"f charStyle-ef17fa27 ps13734\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13736 ss1775\"><div><div class=\"ps11070 ss286\"><span class=\"f charStyle-6f1c08a8 ps13735\">Realised<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13738 ss1774\"><div><div class=\"ps11070 ss789\"><span class=\"f charStyle-6f1c08a8 ps13737\">Unrealised<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1776\"><div><div class=\"ps4014 ss1772\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss1777\"><div><div class=\"ps997 ss1772\"><span class=\"f charStyle-b7f6e8e5 ps7\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps824 ss1773\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total gains or (losses) included in the income statement for the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps830 ss1773\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interest income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13739 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.21pt\"></span></span><span class=\"ps12169\">238\u00a0893<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13740 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.43pt\"></span></span><span class=\"ps11213\">206\u00a0808<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13741 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.01pt\"></span></span><span class=\"ps11949\">32\u00a0085<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss1773\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13742 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.85pt\"></span></span><span class=\"ps11684\">1\u00a0356<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13743 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.15pt\"></span></span><span class=\"ps838\">(6\u00a0913)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13745 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.64pt\"></span></span><span class=\"ps13744\">8\u00a0269<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps843 ss1773\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">Trading income/(loss) arising from customer flow<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps4010 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.39pt\"></span></span><span class=\"ps13746\">(1\u00a0184)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13748 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.2pt\"></span></span><span class=\"ps13747\">664<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13750 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.15pt\"></span></span><span class=\"ps13749\">(1\u00a0848)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13752 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.28pt\"></span></span><span class=\"ps13751\">239\u00a0065<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13753 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.18pt\"></span></span><span class=\"ps11704\">200\u00a0559<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13754 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24pt\"></span></span><span class=\"ps2480\">38\u00a0506<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps853 ss1773\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total gains or (losses) included in other comprehensive income for the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps858 ss1778\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">Gains on realisation on debt instruments at FVOCI recycled through <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">the\u00a0income\u00a0statement</span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13755 ss1565\"><div><div class=\"ps469 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.5pt\"></span></span><span class=\"ps13235\">(3\u00a0172)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13756 ss1005\"><div><div class=\"ps469 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.5pt\"></span></span><span class=\"ps1664\">(3\u00a0172)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13757 ss1565\"><div><div class=\"ps469 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.53pt\"></span></span><span class=\"ps9378\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps13758 ss1778\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fair value movements on debt instruments at FVOCI taken directly <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">to\u00a0other\u00a0comprehensive income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13759 ss1565\"><div><div class=\"ps469 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.1pt\"></span></span><span class=\"ps13361\">(7\u00a0715)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13761 ss1005\"><div><div class=\"ps469 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:46.53pt\"></span></span><span class=\"ps13760\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13762 ss1565\"><div><div class=\"ps469 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.1pt\"></span></span><span class=\"ps13361\">(7\u00a0715)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13763 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.58pt\"></span></span><span class=\"ps13523\">(10\u00a0887)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13764 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.98pt\"></span></span><span class=\"ps11132\">(3\u00a0172)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13765 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.35pt\"></span></span><span class=\"ps8384\">(7\u00a0715)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11737 ss1773\"><div><div class=\"ps815 ss1772\" style=\"font-size:12pt\"><span class=\"f charStyle-13225c7c ps7\">2025</span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3338 ss1773\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total gains or (losses) included in the income statement for the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13372 ss1773\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interest income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13766 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.34pt\"></span></span><span class=\"ps12186\">213\u00a0436<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13768 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.77pt\"></span></span><span class=\"ps13767\">187\u00a0033<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13769 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.79pt\"></span></span><span class=\"ps10388\">26\u00a0403<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13378 ss1773\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13770 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.14pt\"></span></span><span class=\"ps11733\">23\u00a0351<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13772 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.56pt\"></span></span><span class=\"ps13771\">(10\u00a0284)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13773 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.77pt\"></span></span><span class=\"ps13767\">33\u00a0635<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13383 ss1773\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">Trading income/(loss) arising from customer flow<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13775 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.96pt\"></span></span><span class=\"ps13774\">(742)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13776 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:46.53pt\"></span></span><span class=\"ps13760\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps6954 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.96pt\"></span></span><span class=\"ps13774\">(742)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13778 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.15pt\"></span></span><span class=\"ps13777\">236\u00a0045<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13779 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.26pt\"></span></span><span class=\"ps9487\">176\u00a0749<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13780 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.43pt\"></span></span><span class=\"ps11213\">59\u00a0296<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13393 ss1773\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total gains or (losses) included in other comprehensive income for the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps3637 ss1778\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">Gains on realisation on debt instruments at FVOCI recycled through <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">the\u00a0income\u00a0statement</span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13782 ss1565\"><div><div class=\"ps469 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.31pt\"></span></span><span class=\"ps13781\">268<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13784 ss1005\"><div><div class=\"ps469 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.31pt\"></span></span><span class=\"ps13783\">268<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13785 ss1565\"><div><div class=\"ps469 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.53pt\"></span></span><span class=\"ps9378\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps1070 ss1778\"><div><div class=\"ps815 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fair value movements on debt instruments at FVOCI taken directly <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1772\"><span class=\"f charStyle-2b0f4fe0 ps7\">to\u00a0other\u00a0comprehensive income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13787 ss1565\"><div><div class=\"ps469 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.76pt\"></span></span><span class=\"ps13786\">19\u00a0118<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13788 ss1005\"><div><div class=\"ps469 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:46.53pt\"></span></span><span class=\"ps13760\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps6974 ss1565\"><div><div class=\"ps469 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.76pt\"></span></span><span class=\"ps13786\">19\u00a0118<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13790 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.37pt\"></span></span><span class=\"ps13789\">19\u00a0386<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13792 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.94pt\"></span></span><span class=\"ps13791\">268<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13794 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.92pt\"></span></span><span class=\"ps13793\">19\u00a0118<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">13</span><span class=\"f charStyle-f6a3ab10 ps13314\">. </span><span class=\"f charStyle-f6a3ab10 ps13316\">Fair value hierarchy</span><span class=\"f charStyle-f6a3ab10 ps13407\"> (continued)</span></div><div class=\"ps5918 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Level 2 financial assets and financial liabilities</span></div><div class=\"ps5919 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The following table sets out the Group\u2019s principal valuation techniques as at <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps13798\">31 March 2026</span><span class=\"f charStyle-33e1c6d6 ps13799\"> used in determining the fair value </span></div><div class=\"ps5920 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of\u00a0its\u00a0financial assets and financial liabilities that are classified within level 2 of the fair value hierarchy:</span></div><div class=\"ps13675 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:164.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:153.75pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:153.75pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps13800 ss777\"><div><div class=\"ps809 ss86\"><span class=\"f charStyle-a26246ce ps11539\">VALUATION BASIS/TECHNIQUES<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13802 ss777\"><div><div class=\"ps809 ss86\"><span class=\"f charStyle-a26246ce ps13801\">MAIN INPUTS<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td colspan=\"5\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1779\"><div><div class=\"ps809 ss1718\"><span class=\"f charStyle-a26246ce ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps213 ss1781\"><div><div class=\"ps2632 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">Reverse repurchase agreements and cash <span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">collateral on securities borrowed<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13803 ss1782\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13804 ss1782\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rates<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps2492 ss1783\"><div><div class=\"ps2632 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">Bank debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps13805 ss1784\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps13806 ss1784\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rates<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13807 ss1781\"><div><div class=\"ps2632 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13808 ss1782\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Externally sourced price<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13809 ss1782\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rates<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Broker quotes<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:41.25pt\"><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps4656 ss1785\"><div><div class=\"ps2632 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments and fair value <span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">adjustment for asset portfolio hedged risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps13810 ss1786\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Industry standard derivatives <span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">pricing\u00a0models<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps13811 ss1786\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rate<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Volatilities<span class=\"f ps2\"> </span></span></div><div class=\"ps5431 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Underlying spot and forward prices<span class=\"f ps2\"> </span></span></div><div class=\"ps5432 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit curves<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13812 ss1781\"><div><div class=\"ps2632 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securities arising from trading activities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13813 ss1782\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13814 ss1782\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rate<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit curves<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:32.25pt\"><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps289 ss1787\"><div><div class=\"ps2632 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps13815 ss1788\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model <span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Net asset value model<span class=\"f ps2\"> </span></span></div><div class=\"ps5431 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Comparable quoted inputs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps13816 ss1788\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rate and net assets<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rate and fund unit price<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:32.25pt\"><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps6665 ss1787\"><div><div class=\"ps2632 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13817 ss1788\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13818 ss1788\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Yield curves<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Broker quotes<span class=\"f ps2\"> </span></span></div><div class=\"ps5431 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit curves<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td colspan=\"5\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13819 ss1779\"><div><div class=\"ps809 ss1718\"><span class=\"f charStyle-a26246ce ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:41.25pt\"><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13820 ss1785\"><div><div class=\"ps2632 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments and fair value <span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">adjustment for liability portfolio hedged risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13821 ss1786\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Industry standard derivative <span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">pricing\u00a0models<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13822 ss1786\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rate<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Volatilities<span class=\"f ps2\"> </span></span></div><div class=\"ps5431 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Underlying spot and forward prices<span class=\"f ps2\"> </span></span></div><div class=\"ps5432 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit curves<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:59.25pt\"><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps13823 ss1789\"><div><div class=\"ps2632 ss1780\"><span class=\"f charStyle-2b0f4fe0 ps7\">Debt securities in issue<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps13824 ss1790\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discounted cash flow model<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Industry standard derivative <span class=\"f ps2\"> </span></span></div><div class=\"ps5431 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">pricing\u00a0models<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps13825 ss1790\"><div><div class=\"ps2632 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Discount rate<span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Risk-free rate <span class=\"f ps2\"> </span></span></div><div class=\"ps5431 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Volatilities<span class=\"f ps2\"> </span></span></div><div class=\"ps5432 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Forex forward points and spot rates <span class=\"f ps2\"> </span></span></div><div class=\"ps5433 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interest rate swap curves<span class=\"f ps2\"> </span></span></div><div class=\"ps5434 ss444\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit curves<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div></div><div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">13</span><span class=\"f charStyle-f6a3ab10 ps13314\">. </span><span class=\"f charStyle-f6a3ab10 ps13316\">Fair value hierarchy</span><span class=\"f charStyle-f6a3ab10 ps13407\"> (continued)</span></div><div class=\"ps5918 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Sensitivity of fair values to reasonably possible alternative assumptions by level 3 instrument type</span></div><div class=\"ps5919 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The fair value of financial instruments in level 3 are measured using valuation techniques that incorporate assumptions that are </span></div><div class=\"ps5920 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">not\u00a0evidenced by prices from observable market data. The following table shows the sensitivity of these fair values to reasonably </span></div><div class=\"ps13827 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">possible alternative assumptions, determined at a transactional level. Reasonable possible changes are determined depending on </span></div><div class=\"ps13828 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the nature of the instrument, for example, for credit related inputs, this is a one rating grade movement up or down. In other </span></div><div class=\"ps13829 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">instances, the extent of a reasonable change is based on market experience.</span></div><div class=\"ps14015 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:74.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:77.25pt\"></td><td style=\"padding:0;width:123.75pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:27.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss293\"><div><div class=\"ps983 ss292\"><span class=\"f charStyle-a26246ce ps7\">At 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13832 ss1791\"><div><div class=\"ps985 ss818\"><span class=\"f charStyle-6f1c08a8 ps13830\">Balance sheet <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss818\"><span class=\"f charStyle-6f1c08a8 ps13831\">value \u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13833 ss814\"><div><div class=\"ps983 ss170\"><span class=\"f charStyle-8d4b9b37 ps7\">Valuation technique<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13834 ss1793\"><div><div class=\"ps983 ss1792\"><span class=\"f charStyle-6f1c08a8 ps7\">Significant unobservable input<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13835 ss1794\"><div><div class=\"ps989 ss844\"><span class=\"f charStyle-6f1c08a8 ps7\">Range of <span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss844\"><span class=\"f charStyle-6f1c08a8 ps7\">unobservable <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss844\"><span class=\"f charStyle-6f1c08a8 ps7\">input used<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13839 ss1791\"><div><div class=\"ps989 ss818\"><span class=\"f charStyle-ef17fa27 ps13836\">Favourable<span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss818\"><span class=\"f charStyle-ef17fa27 ps13837\"> changes<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss818\"><span class=\"f charStyle-ef17fa27 ps13838\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13841 ss1795\"><div><div class=\"ps989 ss1310\"><span class=\"f charStyle-ef17fa27 ps13669\">Unfavourable<span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss1310\"><span class=\"f charStyle-ef17fa27 ps9506\">changes<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss1310\"><span class=\"f charStyle-ef17fa27 ps13840\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps998 ss303\"><div><div class=\"ps809 ss292\"><span class=\"f charStyle-ef17fa27 ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"><div class=\"ps3588 ss1796\"><div><div class=\"ps3981 ss292\"><span class=\"f charStyle-dc443274 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13843 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:24.93pt\"></span></span><span class=\"ps13842\">37\u00a0964<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13844 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13846 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:29.47pt\"></span></span><span class=\"ps13845\">1\u00a0286<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13848 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.81pt\"></span></span><span class=\"ps13847\">(1\u00a0663)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13849 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flows<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13850 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Credit spreads<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13851 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">0.47% - 1.27% <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13853 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:37.46pt\"></span></span><span class=\"ps13852\">53<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13855 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:36.91pt\"></span></span><span class=\"ps13854\">(89)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13856 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13857 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13858 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">^^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13860 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:33.82pt\"></span></span><span class=\"ps13859\">892<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13862 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.78pt\"></span></span><span class=\"ps13861\">(1\u00a0408)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13863 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13864 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13865 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13866 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:34.61pt\"></span></span><span class=\"ps10363\">341<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13867 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:34.26pt\"></span></span><span class=\"ps13710\">(166)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:6.75pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:17.25pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps1597 ss1800\"><div><div class=\"ps9792 ss292\"><span class=\"f charStyle-dc443274 ps7\">Derivative financial <span class=\"f ps2\"> </span></span></div><div class=\"ps3829 ss292\"><span class=\"f charStyle-dc443274 ps7\">instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13868 ss1602\"><div><div class=\"ps3829 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:29.56pt\"></span></span><span class=\"ps873\">1\u00a0374<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13869 ss1801\"><div><div class=\"ps3829 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13871 ss1602\"><div><div class=\"ps3829 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:34.09pt\"></span></span><span class=\"ps13870\">788<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13873 ss1802\"><div><div class=\"ps3829 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:40.3pt\"></span></span><span class=\"ps13872\">\u2014<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13874 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13875 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13876 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13877 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:34.09pt\"></span></span><span class=\"ps13870\">788<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13878 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:40.3pt\"></span></span><span class=\"ps13872\">\u2014<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:6.75pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td rowspan=\"5\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps12168 ss1803\"><div><div class=\"ps393 ss292\"><span class=\"f charStyle-dc443274 ps7\">Investment portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13879 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:22.2pt\"></span></span><span class=\"ps9977\">202\u00a0105<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13880 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13882 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:24.72pt\"></span></span><span class=\"ps13881\">23\u00a0459<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13883 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:24.84pt\"></span></span><span class=\"ps3221\">(45\u00a0677)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13884 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Price earnings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13885 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">EBITDA multiple<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13886 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">7.89x - 8.5x<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13888 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.45pt\"></span></span><span class=\"ps13887\">5\u00a0048<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13890 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.87pt\"></span></span><span class=\"ps13889\">(7\u00a0775)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13891 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Price earnings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13892 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">EBITDA multiple<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13893 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">3.4x<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13895 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:34.2pt\"></span></span><span class=\"ps13894\">572<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13896 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:29.71pt\"></span></span><span class=\"ps12291\">(1\u00a0144)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13897 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">EBITDA multiple<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13898 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Change in EBITDA<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13899 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">17.5% - 25%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13901 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.36pt\"></span></span><span class=\"ps13900\">3\u00a0282<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13903 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:29.2pt\"></span></span><span class=\"ps13902\">(6\u00a0271)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13904 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flow<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13905 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Discount rate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13906 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">10% - 15%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13908 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:34.68pt\"></span></span><span class=\"ps13907\">130<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13910 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:34.25pt\"></span></span><span class=\"ps13909\">(261)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13911 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Net asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13912 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13913 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">^^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13915 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.18pt\"></span></span><span class=\"ps13914\">4\u00a0339<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13916 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:26.41pt\"></span></span><span class=\"ps12687\">(10\u00a0174)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13917 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Net asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13918 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Discount rate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13919 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">20% - 30%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13921 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.25pt\"></span></span><span class=\"ps13920\">3\u00a0630<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13923 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.19pt\"></span></span><span class=\"ps13922\">(7\u00a0260)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13924 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13925 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Discount rate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13926 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">10%</span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13927 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.55pt\"></span></span><span class=\"ps8478\">3\u00a0732<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13928 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.13pt\"></span></span><span class=\"ps12181\">(7\u00a0466)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13929 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13930 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13931 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13932 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.78pt\"></span></span><span class=\"ps13861\">2\u00a0726<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13933 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:27.9pt\"></span></span><span class=\"ps11424\">(5\u00a0326)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:6.75pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:17.25pt\"><td style=\"padding:0\"><div class=\"ps2392 ss1800\"><div><div class=\"ps9792 ss292\"><span class=\"f charStyle-dc443274 ps7\">Loans and advances to <span class=\"f ps2\"> </span></span></div><div class=\"ps3829 ss292\"><span class=\"f charStyle-dc443274 ps7\">customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13934 ss1602\"><div><div class=\"ps3829 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:15.44pt\"></span></span><span class=\"ps11735\">3\u00a0442\u00a0993<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13935 ss1801\"><div><div class=\"ps3829 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13936 ss1602\"><div><div class=\"ps3829 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:25.8pt\"></span></span><span class=\"ps11518\">12\u00a0359<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13937 ss1802\"><div><div class=\"ps3829 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:26pt\"></span></span><span class=\"ps11952\">(17\u00a0755)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13938 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flow<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13939 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Credit spreads<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13940 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">0.13% - 4.01% <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13942 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.57pt\"></span></span><span class=\"ps13941\">8\u00a0526<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13943 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:25.02pt\"></span></span><span class=\"ps10101\">(13\u00a0232)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13944 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flow<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13945 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Discount rate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13946 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">10.0%</span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13948 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:34.11pt\"></span></span><span class=\"ps13947\">876<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13950 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:29pt\"></span></span><span class=\"ps13949\">(1\u00a0529)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13951 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Net asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13952 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13953 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">^^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13954 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.87pt\"></span></span><span class=\"ps13889\">2\u00a0957<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13956 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:27.84pt\"></span></span><span class=\"ps13955\">(2\u00a0994)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:17.25pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13957 ss1801\"><div><div class=\"ps9792 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on other comprehensive <span class=\"f ps2\"> </span></span></div><div class=\"ps3829 ss1792\"><span class=\"f charStyle-dc443274 ps7\">income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13959 ss1602\"><div><div class=\"ps3829 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:27.36pt\"></span></span><span class=\"ps13958\">17\u00a0071<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13960 ss1802\"><div><div class=\"ps3829 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:24.92pt\"></span></span><span class=\"ps11079\">(27\u00a0257)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13961 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flows<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13962 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Credit spreads<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13963 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">0.14% - 4.43%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13964 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:27.36pt\"></span></span><span class=\"ps13958\">17\u00a0071<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13965 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:24.92pt\"></span></span><span class=\"ps11079\">(27\u00a0257)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:6.75pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps3672 ss303\"><div><div class=\"ps4131 ss292\"><span class=\"f charStyle-dc443274 ps7\">Other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13967 ss929\"><div><div class=\"ps4131 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:29.58pt\"></span></span><span class=\"ps13966\">4\u00a0417<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps13968 ss1804\"><div><div class=\"ps4131 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13970 ss929\"><div><div class=\"ps4131 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.47pt\"></span></span><span class=\"ps13969\">2\u00a0062<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13971 ss1805\"><div><div class=\"ps4131 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:33.46pt\"></span></span><span class=\"ps9361\">(794)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13972 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flows<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13973 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Cash flow adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13974 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">47.71% CPR<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13975 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:29.66pt\"></span></span><span class=\"ps875\">1\u00a0673<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13976 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:33.46pt\"></span></span><span class=\"ps9361\">(467)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13977 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13978 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13979 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">^^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13980 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:33.71pt\"></span></span><span class=\"ps5541\">389<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13981 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:33.43pt\"></span></span><span class=\"ps12409\">(327)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:6.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13982 ss1796\"><div><div class=\"ps4014 ss292\"><span class=\"f charStyle-a26246ce ps7\">Total level 3 assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13984 ss1597\"><div><div class=\"ps4014 ss818\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:11.32pt\"></span></span><span class=\"ps13983\">3\u00a0688\u00a0853<span style=\"display:inline-block;height:6.29pt;width:2.65pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13986 ss1597\"><div><div class=\"ps4014 ss818\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:21.94pt\"></span></span><span class=\"ps13985\">57\u00a0025<span style=\"display:inline-block;height:6.29pt;width:2.65pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13988 ss1798\"><div><div class=\"ps4014 ss1310\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:21.13pt\"></span></span><span class=\"ps13987\">(93\u00a0146)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"><div class=\"ps13989 ss1796\"><div><div class=\"ps4014 ss292\"><span class=\"f charStyle-ef17fa27 ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:17.25pt\"><td style=\"padding:0\"><div class=\"ps12310 ss1800\"><div><div class=\"ps9792 ss292\"><span class=\"f charStyle-dc443274 ps7\">Derivative financial <span class=\"f ps2\"> </span></span></div><div class=\"ps3829 ss292\"><span class=\"f charStyle-dc443274 ps7\">instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13993 ss1602\"><div><div class=\"ps3829 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:33.71pt\"></span></span><span class=\"ps5541\">534<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13994 ss1801\"><div><div class=\"ps3829 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13996 ss1602\"><div><div class=\"ps3829 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:35.48pt\"></span></span><span class=\"ps13995\">(50)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps13997 ss1802\"><div><div class=\"ps3829 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:40.3pt\"></span></span><span class=\"ps13872\">\u2014<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13998 ss1799\"><div><div class=\"ps3981 ss170\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13999 ss1797\"><div><div class=\"ps3981 ss1792\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14000 ss901\"><div><div class=\"ps3981 ss844\"><span class=\"f charStyle-dc443274 ps7\">^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14001 ss1597\"><div><div class=\"ps3981 ss818\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:35.48pt\"></span></span><span class=\"ps13995\">(50)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14002 ss1798\"><div><div class=\"ps3981 ss1310\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:40.3pt\"></span></span><span class=\"ps13872\">\u2014<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:6.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps12825 ss1796\"><div><div class=\"ps4014 ss292\"><span class=\"f charStyle-a26246ce ps7\">Total level 3 liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14004 ss1597\"><div><div class=\"ps4014 ss818\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:31.36pt\"></span></span><span class=\"ps14003\">534<span style=\"display:inline-block;height:6.29pt;width:2.65pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14006 ss1597\"><div><div class=\"ps4014 ss818\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:32.92pt\"></span></span><span class=\"ps14005\">(50)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14008 ss1798\"><div><div class=\"ps4014 ss1310\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:39.22pt\"></span></span><span class=\"ps14007\">\u2014<span style=\"display:inline-block;height:6.29pt;width:2.65pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14009 ss1796\"><div><div class=\"ps4014 ss292\"><span class=\"f charStyle-a26246ce ps7\">Net level 3 assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14011 ss1597\"><div><div class=\"ps4014 ss818\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:12.32pt\"></span></span><span class=\"ps14010\">3\u00a0688\u00a0319<span style=\"display:inline-block;height:6.29pt;width:2.65pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14013 ss1597\"><div><div class=\"ps4014 ss818\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:21.92pt\"></span></span><span class=\"ps14012\">56\u00a0975<span style=\"display:inline-block;height:6.29pt;width:2.65pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14014 ss1798\"><div><div class=\"ps4014 ss1310\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:21.13pt\"></span></span><span class=\"ps13987\">(93\u00a0146)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps14016 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">The valuation sensitivity has been assessed by adjusting various inputs such as net asset value and probability of recovery rather than a single input. It is deemed </span></span></div><div class=\"ps14017 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">appropriate to reflect the outcome on a portfolio basis for the purposes of this analysis as the sensitivity of the assets cannot be determined through the adjustment of <span class=\"f ps2\"> </span></span></div><div class=\"ps14018 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">a single input.</span></div><div class=\"ps14020 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^^<span style=\"display:inline-block;height:5.81pt;width:8.83pt\"></span></span><span class=\"ps968\">Underlying asset values are calculated by reference to a tangible asset, for example, property, aircraft or shares</span></span><span class=\"f charStyle-207fba8f ps14019\">.</span></div></div><div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">13</span><span class=\"f charStyle-f6a3ab10 ps13314\">. </span><span class=\"f charStyle-f6a3ab10 ps13316\">Fair value hierarchy</span><span class=\"f charStyle-f6a3ab10 ps13407\"> (continued)</span></div><div class=\"ps72 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:83.25pt\"></td><td style=\"padding:0;width:42.75pt\"></td><td style=\"padding:0;width:75pt\"></td><td style=\"padding:0;width:114.75pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:27.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss1806\"><div><div class=\"ps983 ss172\"><span class=\"f charStyle-a26246ce ps7\">At 31 March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14025 ss1807\"><div><div class=\"ps989 ss717\"><span class=\"f charStyle-6f1c08a8 ps14022\">Balance <span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss717\"><span class=\"f charStyle-6f1c08a8 ps14023\">sheet value <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss717\"><span class=\"f charStyle-6f1c08a8 ps14024\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14026 ss1808\"><div><div class=\"ps985 ss212\"><span class=\"f charStyle-8d4b9b37 ps7\">Principle valuation <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss212\"><span class=\"f charStyle-8d4b9b37 ps7\">technique<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps8728 ss1809\"><div><div class=\"ps985 ss1523\"><span class=\"f charStyle-6f1c08a8 ps7\">Significant <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss1523\"><span class=\"f charStyle-6f1c08a8 ps7\">unobservable input<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14027 ss1811\"><div><div class=\"ps989 ss1810\"><span class=\"f charStyle-6f1c08a8 ps7\">Range of <span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss1810\"><span class=\"f charStyle-6f1c08a8 ps7\">unobservable <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss1810\"><span class=\"f charStyle-6f1c08a8 ps7\">input used<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps4195 ss1813\"><div><div class=\"ps989 ss1812\"><span class=\"f charStyle-ef17fa27 ps14028\">Favourable<span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss1812\"><span class=\"f charStyle-ef17fa27 ps14029\"> changes<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss1812\"><span class=\"f charStyle-ef17fa27 ps14030\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11073 ss1814\"><div><div class=\"ps989 ss943\"><span class=\"f charStyle-ef17fa27 ps12872\">Unfavourable<span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss943\"><span class=\"f charStyle-ef17fa27 ps14031\">changes<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss943\"><span class=\"f charStyle-ef17fa27 ps820\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps998 ss1815\"><div><div class=\"ps809 ss172\"><span class=\"f charStyle-ef17fa27 ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"><div class=\"ps3588 ss1816\"><div><div class=\"ps3981 ss172\"><span class=\"f charStyle-dc443274 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14032 ss1817\"><div><div class=\"ps3981 ss717\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:17.53pt\"></span></span><span class=\"ps3237\">47\u00a0686<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14033 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps14034 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:25.96pt\"></span></span><span class=\"ps5728\">1\u00a0918<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps14035 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:27.93pt\"></span></span><span class=\"ps13531\">(3\u00a0213)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14036 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flows<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14037 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Credit spreads<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14038 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">0.36% - 1.5%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14040 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:33.36pt\"></span></span><span class=\"ps14039\">57<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14041 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:33.56pt\"></span></span><span class=\"ps11958\">(105)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14042 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flows<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14043 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Cash flow adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14044 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">CPR 13.94%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14046 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:29.42pt\"></span></span><span class=\"ps14045\">256<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14047 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:33.41pt\"></span></span><span class=\"ps963\">(164)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14048 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14049 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14050 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">^^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14051 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:25.86pt\"></span></span><span class=\"ps5905\">1\u00a0361<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14053 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:27.41pt\"></span></span><span class=\"ps14052\">(2\u00a0700)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14054 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14055 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14056 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14057 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:29.14pt\"></span></span><span class=\"ps9358\">244<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps14058 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:32.32pt\"></span></span><span class=\"ps9306\">(244)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:6.75pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td rowspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps3327 ss1823\"><div><div class=\"ps393 ss172\"><span class=\"f charStyle-dc443274 ps7\">Derivative financial <span class=\"f ps2\"> </span></span></div><div class=\"ps1940 ss172\"><span class=\"f charStyle-dc443274 ps7\">instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps14059 ss1817\"><div><div class=\"ps3981 ss717\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:20.97pt\"></span></span><span class=\"ps13019\">6\u00a0352<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps14060 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14061 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:25.03pt\"></span></span><span class=\"ps4681\">1\u00a0058<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14063 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:32.77pt\"></span></span><span class=\"ps14062\">(702)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14064 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Option pricing model<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14065 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Volatilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14066 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">7.5% - 16.95%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14067 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:34.3pt\"></span></span><span class=\"ps889\">\u2014<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14069 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:40.81pt\"></span></span><span class=\"ps14068\">(1)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14070 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14071 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14072 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">^^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14074 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:37.63pt\"></span></span><span class=\"ps14073\">1<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14076 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:39.71pt\"></span></span><span class=\"ps14075\">(3)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14077 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14078 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14079 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14081 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:25.33pt\"></span></span><span class=\"ps14080\">1\u00a0057<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps14083 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:32.51pt\"></span></span><span class=\"ps14082\">(698)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:6.75pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps2618 ss1816\"><div><div class=\"ps3981 ss172\"><span class=\"f charStyle-dc443274 ps7\">Investment portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps14085 ss1817\"><div><div class=\"ps3981 ss717\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:15.45pt\"></span></span><span class=\"ps14084\">211\u00a0364<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps14086 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14088 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:21.49pt\"></span></span><span class=\"ps14087\">25\u00a0512<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14090 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:24.56pt\"></span></span><span class=\"ps14089\">(50\u00a0819)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14091 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Price earnings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14092 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Price earnings multiple<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14093 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">1.6x - 7.5x<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14095 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:24.09pt\"></span></span><span class=\"ps14094\">5\u00a0662<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14096 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:24.47pt\"></span></span><span class=\"ps11663\">(10\u00a0660)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14097 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Price earnings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14098 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Change in EBITDA <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14099 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">3.3x - 7.8x<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14100 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:24.27pt\"></span></span><span class=\"ps11901\">2\u00a0768<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14102 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:27.32pt\"></span></span><span class=\"ps14101\">(5\u00a0502)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14103 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flows<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14104 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Discount rate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14105 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">10% - 15%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14107 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:23.72pt\"></span></span><span class=\"ps14106\">4\u00a0446<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14108 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:27.94pt\"></span></span><span class=\"ps2453\">(8\u00a0314)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14109 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14110 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14111 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">^^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14112 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:23.86pt\"></span></span><span class=\"ps12087\">9\u00a0320<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14113 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:24.67pt\"></span></span><span class=\"ps818\">(18\u00a0487)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14114 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14115 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14116 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14118 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:24.76pt\"></span></span><span class=\"ps14117\">3\u00a0316<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps14120 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:27.54pt\"></span></span><span class=\"ps14119\">(7\u00a0856)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:6.75pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td rowspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps6660 ss1823\"><div><div class=\"ps393 ss172\"><span class=\"f charStyle-dc443274 ps7\">Loans and advances to <span class=\"f ps2\"> </span></span></div><div class=\"ps1940 ss172\"><span class=\"f charStyle-dc443274 ps7\">customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps14122 ss1817\"><div><div class=\"ps3981 ss717\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:9.17pt\"></span></span><span class=\"ps14121\">2\u00a0532\u00a0138<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps14123 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14124 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:22.28pt\"></span></span><span class=\"ps9500\">10\u00a0221<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14125 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:25.65pt\"></span></span><span class=\"ps12208\">(18\u00a0713)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14126 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flows<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14127 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Credit spreads<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14128 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">0.14% - 4.65%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14129 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:23.89pt\"></span></span><span class=\"ps12563\">6\u00a0263<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14130 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:25.39pt\"></span></span><span class=\"ps11549\">(14\u00a0212)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14131 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flows<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14132 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Credit spreads<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14133 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">37.3%</span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14134 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:25.44pt\"></span></span><span class=\"ps11869\">1\u00a0557<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14135 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:28.62pt\"></span></span><span class=\"ps3220\">(1\u00a0557)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14136 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Price earnings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14137 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Price earnings multiple<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14138 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">4.5x<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14139 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:29.71pt\"></span></span><span class=\"ps12291\">675<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14141 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:30.11pt\"></span></span><span class=\"ps14140\">(1\u00a0101)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14142 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14143 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Underlying asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14144 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">^^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps14146 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:25.27pt\"></span></span><span class=\"ps14145\">1\u00a0726<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps14147 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:27.94pt\"></span></span><span class=\"ps2453\">(1\u00a0843)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:17.25pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14148 ss1824\"><div><div class=\"ps9792 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on other <span class=\"f ps2\"> </span></span></div><div class=\"ps3829 ss1523\"><span class=\"f charStyle-dc443274 ps7\">comprehensive income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14149 ss1825\"><div><div class=\"ps3829 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:22.88pt\"></span></span><span class=\"ps12175\">17\u00a0712<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14150 ss1826\"><div><div class=\"ps3829 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:23.86pt\"></span></span><span class=\"ps12087\">(32\u00a0737)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"background-color:#FFFFFF;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14151 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Discounted cash flows<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14152 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Credit spreads<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14153 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">0.16% - 5.72%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14154 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:22.88pt\"></span></span><span class=\"ps12175\">17\u00a0712<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14155 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:23.86pt\"></span></span><span class=\"ps12087\">(32\u00a0737)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:6.75pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14156 ss1816\"><div><div class=\"ps4014 ss172\"><span class=\"f charStyle-a26246ce ps7\">Total level 3 assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14157 ss1817\"><div><div class=\"ps4014 ss717\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:4.57pt\"></span></span><span class=\"ps17\">2\u00a0797\u00a0540<span style=\"display:inline-block;height:6.29pt;width:2.65pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#c3d0d7;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14159 ss1819\"><div><div class=\"ps4014 ss1812\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:18.08pt\"></span></span><span class=\"ps14158\">56\u00a0421<span style=\"display:inline-block;height:6.29pt;width:2.65pt\"></span></span></span></div></div></div></td><td style=\"background-color:#c3d0d7;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14160 ss1820\"><div><div class=\"ps4014 ss943\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:17.01pt\"></span></span><span class=\"ps1497\">(106\u00a0184)</span></span></div></div></div></td><td style=\"background-color:#c3d0d7;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"><div class=\"ps12213 ss1816\"><div><div class=\"ps4014 ss172\"><span class=\"f charStyle-ef17fa27 ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:17.25pt\"><td style=\"padding:0\"><div class=\"ps11254 ss1827\"><div><div class=\"ps393 ss172\"><span class=\"f charStyle-dc443274 ps7\">Derivative financial <span class=\"f ps2\"> </span></span></div><div class=\"ps1940 ss172\"><span class=\"f charStyle-dc443274 ps7\">instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14162 ss1828\"><div><div class=\"ps3829 ss717\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:26.6pt\"></span></span><span class=\"ps14161\">827<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14164 ss1824\"><div><div class=\"ps3829 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Potential impact on income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps14166 ss1825\"><div><div class=\"ps3829 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:31.9pt\"></span></span><span class=\"ps14165\">(12)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps14168 ss1826\"><div><div class=\"ps3829 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:39.55pt\"></span></span><span class=\"ps14167\">\u2014<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps14169 ss1821\"><div><div class=\"ps3981 ss212\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14170 ss1818\"><div><div class=\"ps3981 ss1523\"><span class=\"f charStyle-dc443274 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14171 ss1822\"><div><div class=\"ps3981 ss1810\"><span class=\"f charStyle-dc443274 ps7\">^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14172 ss1819\"><div><div class=\"ps3981 ss1812\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:31.9pt\"></span></span><span class=\"ps14165\">(12)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14173 ss1820\"><div><div class=\"ps3981 ss943\"><span class=\"f charStyle-dc443274\"><span class=\"ps7\"><span style=\"display:inline-block;height:5.81pt;width:39.55pt\"></span></span><span class=\"ps14167\">\u2014<span style=\"display:inline-block;height:5.81pt;width:2.07pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:6pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14174 ss1816\"><div><div class=\"ps4014 ss172\"><span class=\"f charStyle-a26246ce ps7\">Total level 3 liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14175 ss1817\"><div><div class=\"ps4014 ss717\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:24.48pt\"></span></span><span class=\"ps12509\">827<span style=\"display:inline-block;height:6.29pt;width:2.65pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#c3d0d7;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14176 ss1819\"><div><div class=\"ps4014 ss1812\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:29.8pt\"></span></span><span class=\"ps9979\">(12)</span></span></div></div></div></td><td style=\"background-color:#c3d0d7;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14178 ss1820\"><div><div class=\"ps4014 ss943\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:38.47pt\"></span></span><span class=\"ps14177\">\u2014<span style=\"display:inline-block;height:6.29pt;width:2.65pt\"></span></span></span></div></div></div></td><td style=\"background-color:#c3d0d7;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14179 ss1816\"><div><div class=\"ps4014 ss172\"><span class=\"f charStyle-a26246ce ps7\">Net level 3 assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14181 ss1817\"><div><div class=\"ps4014 ss717\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:5.87pt\"></span></span><span class=\"ps14180\">2\u00a0796\u00a0713<span style=\"display:inline-block;height:6.29pt;width:2.65pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#c3d0d7;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14182 ss1819\"><div><div class=\"ps4014 ss1812\"><span class=\"f charStyle-a26246ce ps1625\">56\u00a0409<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#c3d0d7;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14183 ss1820\"><div><div class=\"ps4014 ss943\"><span class=\"f charStyle-a26246ce\"><span class=\"ps7\"><span style=\"display:inline-block;height:6.29pt;width:17.01pt\"></span></span><span class=\"ps1497\">(106\u00a0184)</span></span></div></div></div></td><td style=\"background-color:#c3d0d7;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps14184 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">The valuation sensitivity has been assessed by adjusting various inputs such as net asset value and probability of recovery rather than a single input. It is deemed </span></span></div><div class=\"ps14185 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">appropriate to reflect the outcome on a portfolio basis for the purposes of this analysis as the sensitivity of the assets cannot be determined through the adjustment </span></div><div class=\"ps14186 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">of\u00a0a single input.</span></div><div class=\"ps14187 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^^<span style=\"display:inline-block;height:5.81pt;width:8.83pt\"></span></span><span class=\"ps968\">Underlying asset values are calculated by reference to a tangible asset, for example, property, aircraft or shares.</span></span></div></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">13</span><span class=\"f charStyle-f6a3ab10 ps13314\">.</span><span class=\"f charStyle-f6a3ab10 ps13315\"> <span id=\"ibffbad9e27df4a1cb2c3782704227d4a_7017\"></span></span><span class=\"f charStyle-f6a3ab10 ps13316\">Fair value hierarchy</span><span class=\"f charStyle-f6a3ab10 ps13407\"> (continued)</span></div><div class=\"ps979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In determining the value of level 3 financial instruments, the following are the principal inputs that can require judgement:</span></div><div class=\"ps3353 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Credit spreads</span></div><div class=\"ps3354 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Credit spreads reflect the additional yield that a market participant would demand for taking exposure to the credit risk of an </span></div><div class=\"ps5921 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">instrument. The credit spread for an instrument forms part of the yield used in a discounted cash flow calculation. In general, </span></div><div class=\"ps14189 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">a\u00a0significant increase in a credit spread in isolation will result in a movement in fair value that is unfavourable for the holder </span></div><div class=\"ps14190 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of\u00a0a\u00a0financial instrument. It is an unobservable input into a discounted cash flow valuation.</span></div><div class=\"ps14191 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Discount rates</span></div><div class=\"ps14192 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Discount rates are used to adjust for the time value of money when using a discounted cash flow valuation method. Where </span></div><div class=\"ps14193 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">relevant, the discount rate also accounts for illiquidity, market conditions and uncertainty of future cash flows.</span></div><div class=\"ps14194 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Volatilities</span></div><div class=\"ps14195 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Volatility is a key input in the valuation of derivative products containing optionality. Volatility is a measure of the variability or </span></div><div class=\"ps14196 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">uncertainty in returns for a given derivative underlying. It represents an estimate of how much a particular underlying instrument, </span></div><div class=\"ps14197 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">parameter or index will change in value over time.</span></div><div class=\"ps14198 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Cash flows</span></div><div class=\"ps14199 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Cash flows relates to the future cash flows that can be expected from the instrument and requires judgement. Cash flows are\u00a0input </span></div><div class=\"ps14200 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">into a discounted cash flow valuation.</span></div><div class=\"ps14201 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Price earnings multiple</span></div><div class=\"ps14202 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The price-to-earnings ratio is an equity valuation multiple used in the adjustment of underlying market prices. It is a key driver in\u00a0the </span></div><div class=\"ps14203 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">valuation of unlisted investments.</span></div><div class=\"ps14204 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Underlying asset value</span></div><div class=\"ps14205 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In instances where cash flows have links to referenced assets, the underlying asset value is used to determine the fair value. </span></div><div class=\"ps14206 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps699\">The underlying asset valuation is derived using observable market prices sourced from broker quotes, specialist valuers or other </span></div><div class=\"ps14207 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reliable pricing sources.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsDesignatedAtFairValueThroughProfitOrLossExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-921": {
   "value": "<div class=\"ps24 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:12.81pt\">15<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps14684\" style=\"width:5.86pt\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11433\" style=\"width:195.72pt\">Cash and balances at central banks<span class=\"f ps2\"> </span></span></div><div class=\"ps72 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1650\"><div><div class=\"ps11114 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1650\"><div><div class=\"ps11114 ss114\"><span class=\"f charStyle-8d4b9b37 ps9195\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps817 ss1651\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Gross cash and balances at central banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2816 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.85pt\"></span></span><span class=\"ps9416\">3\u00a0173\u00a0756<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps2817 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.86pt\"></span></span><span class=\"ps3514\">4\u00a0191\u00a0750<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9200 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Expected credit loss<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9202 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps9203 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9204 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net cash and balances at central banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps9206 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.1pt\"></span></span><span class=\"ps14272\">3\u00a0173\u00a0756<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9208 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.53pt\"></span></span><span class=\"ps5539\">4\u00a0191\u00a0750<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4003 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">The country risk of cash and bank balances at central banks lies in the following geographies:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4562 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">United Kingdom<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9215 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.13pt\"></span></span><span class=\"ps14685\">3\u00a0158\u00a0938<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps9217 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.49pt\"></span></span><span class=\"ps14686\">4\u00a0175\u00a0093<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9218 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Europe (excluding UK)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9222 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.65pt\"></span></span><span class=\"ps14687\">14\u00a0818<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps9224 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.02pt\"></span></span><span class=\"ps12148\">16\u00a0657<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps9227 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.1pt\"></span></span><span class=\"ps14272\">3\u00a0173\u00a0756<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps9229 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.53pt\"></span></span><span class=\"ps5539\">4\u00a0191\u00a0750<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashAndCashEquivalentsExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-920": {
   "value": "<div class=\"ps24 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:12.81pt\">15<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps14684\" style=\"width:5.86pt\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11433\" style=\"width:195.72pt\">Cash and balances at central banks<span class=\"f ps2\"> </span></span></div><div class=\"ps72 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1650\"><div><div class=\"ps11114 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1650\"><div><div class=\"ps11114 ss114\"><span class=\"f charStyle-8d4b9b37 ps9195\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps817 ss1651\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Gross cash and balances at central banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2816 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.85pt\"></span></span><span class=\"ps9416\">3\u00a0173\u00a0756<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps2817 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.86pt\"></span></span><span class=\"ps3514\">4\u00a0191\u00a0750<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9200 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Expected credit loss<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9202 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps9203 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9204 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net cash and balances at central banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps9206 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.1pt\"></span></span><span class=\"ps14272\">3\u00a0173\u00a0756<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9208 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.53pt\"></span></span><span class=\"ps5539\">4\u00a0191\u00a0750<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4003 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">The country risk of cash and bank balances at central banks lies in the following geographies:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4562 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">United Kingdom<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9215 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.13pt\"></span></span><span class=\"ps14685\">3\u00a0158\u00a0938<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps9217 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.49pt\"></span></span><span class=\"ps14686\">4\u00a0175\u00a0093<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9218 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Europe (excluding UK)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9222 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.65pt\"></span></span><span class=\"ps14687\">14\u00a0818<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps9224 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.02pt\"></span></span><span class=\"ps12148\">16\u00a0657<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps9227 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.1pt\"></span></span><span class=\"ps14272\">3\u00a0173\u00a0756<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps9229 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.53pt\"></span></span><span class=\"ps5539\">4\u00a0191\u00a0750<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashAndBankBalancesAtCentralBanksExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-922": {
   "value": "<div class=\"ps14690 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:12.99pt\">16<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11431\" style=\"width:5.86pt\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps14689\" style=\"width:163.01pt\">Loans and advances to banks<span class=\"f ps2\"> </span></span></div><div class=\"ps14702 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1650\"><div><div class=\"ps11114 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1650\"><div><div class=\"ps11114 ss114\"><span class=\"f charStyle-8d4b9b37 ps9195\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps817 ss1651\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Gross loans and advances to banks <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2816 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.18pt\"></span></span><span class=\"ps9489\">801\u00a0166<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps2817 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.07pt\"></span></span><span class=\"ps9422\">860\u00a0297<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9200 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Expected credit loss<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9202 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.55pt\"></span></span><span class=\"ps946\">(62)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps9203 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.38pt\"></span></span><span class=\"ps14691\">(30)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9204 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net loans and advances to banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps9206 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.39pt\"></span></span><span class=\"ps14692\">801\u00a0104<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9208 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.89pt\"></span></span><span class=\"ps10327\">860\u00a0267<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4003 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">The country risk of loans and advances to banks lies in the following geographies:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4562 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">North America<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9215 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.4pt\"></span></span><span class=\"ps14693\">101\u00a0736<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#FFFFFF;padding:0\"><div class=\"ps11149 ss1856\" style=\"overflow:hidden\"><div><div class=\"ps14694 ss447\"><span class=\"f charStyle-9a9691b1 ps7\">9<span class=\"f ps2\"> </span></span></div><div class=\"ps14695 ss447\"><span class=\"f charStyle-9a9691b1 ps7\">5</span></div><div class=\"ps14696 ss447\"><span class=\"f charStyle-9a9691b1 ps7\">\u00a0<span class=\"f ps2\"> </span></span></div><div class=\"ps14697 ss447\"><span class=\"f charStyle-9a9691b1 ps7\">4<span class=\"f ps2\"> </span></span></div><div class=\"ps14698 ss447\"><span class=\"f charStyle-9a9691b1 ps7\">6<span class=\"f ps2\"> </span></span></div><div class=\"ps14699 ss447\"><span class=\"f charStyle-9a9691b1 ps7\">2<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9217 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.32pt\"></span></span><span class=\"ps13291\">95\u00a0462<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9218 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Asia<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9222 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.41pt\"></span></span><span class=\"ps9239\">10\u00a0492<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps9224 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27pt\"></span></span><span class=\"ps11950\">8\u00a0474<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9225 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Europe (excluding UK)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9227 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.71pt\"></span></span><span class=\"ps12041\">373\u00a0469<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps9229 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.43pt\"></span></span><span class=\"ps9689\">408\u00a0603<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps220 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">United Kingdom<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9231 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.9pt\"></span></span><span class=\"ps14700\">307\u00a0583<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps9233 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.8pt\"></span></span><span class=\"ps14290\">327\u00a0036<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9234 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9238 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.65pt\"></span></span><span class=\"ps9682\">355<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps9240 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.66pt\"></span></span><span class=\"ps1611\">473<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9241 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">South Africa<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9243 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.1pt\"></span></span><span class=\"ps11840\">2\u00a0016<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps9244 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.48pt\"></span></span><span class=\"ps10135\">2\u00a0671<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9245 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Australia<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9247 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.86pt\"></span></span><span class=\"ps14701\">5\u00a0453<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps9249 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.89pt\"></span></span><span class=\"ps12563\">17\u00a0548<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps9251 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.39pt\"></span></span><span class=\"ps14692\">801\u00a0104<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps9253 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.89pt\"></span></span><span class=\"ps10327\">860\u00a0267<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLoansAndAdvancesToBanksExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-923": {
   "value": "<div class=\"ps14706 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">17<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps14704\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps14705\">Reverse repurchase agreements and cash collateral on securities borrowed and <span class=\"f ps2\"> </span></span></div><div class=\"ps14707 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">repurchase agreements and cash collateral on securities lent<span class=\"f ps2\"> </span></span></div><div class=\"ps14716 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1650\"><div><div class=\"ps11114 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1650\"><div><div class=\"ps11114 ss114\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps9195\">2025</span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps817 ss1651\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9200 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Gross reverse repurchase agreements and cash collateral on securities borrowed<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9202 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.64pt\"></span></span><span class=\"ps10249\">1\u00a0884\u00a0714<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps9203 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.48pt\"></span></span><span class=\"ps5672\">1\u00a0640\u00a0780<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9204 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Expected credit loss<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9206 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.89pt\"></span></span><span class=\"ps822\">(15)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps9208 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.89pt\"></span></span><span class=\"ps822\">(15)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps4003 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net reverse repurchase agreements and cash collateral on securities borrowed<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps9211 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.85pt\"></span></span><span class=\"ps14708\">1\u00a0884\u00a0699<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9213 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.25pt\"></span></span><span class=\"ps14709\">1\u00a0640\u00a0765<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4562 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Reverse repurchase agreements<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9215 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.88pt\"></span></span><span class=\"ps12731\">1\u00a0868\u00a0712<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps9217 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.6pt\"></span></span><span class=\"ps11524\">1\u00a0630\u00a0578<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9218 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cash collateral on securities borrowed<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9222 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.01pt\"></span></span><span class=\"ps9232\">15\u00a0987<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps9224 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.1pt\"></span></span><span class=\"ps11262\">10\u00a0187<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps9227 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.85pt\"></span></span><span class=\"ps14708\">1\u00a0884\u00a0699<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9229 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.25pt\"></span></span><span class=\"ps14709\">1\u00a0640\u00a0765<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:39.75pt\"><td style=\"padding:0\"><div class=\"ps220 ss1857\"><div><div class=\"ps9695 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">As part of the reverse repurchase and securities borrowing agreements the Group has received <span class=\"f ps2\"> </span></span></div><div class=\"ps12113 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">securities that it is allowed to sell or re-pledge. \u00a316 million (2025: \u00a310 million) has been re-sold or re-<span class=\"f ps2\"> </span></span></div><div class=\"ps12114 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">pledged to third parties in connection with financing activities or to comply with commitments under <span class=\"f ps2\"> </span></span></div><div class=\"ps12109 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">short sale transactions.<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps49 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11737 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Repurchase agreements<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11838 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.39pt\"></span></span><span class=\"ps14710\">1\u00a0056\u00a0564<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11839 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.3pt\"></span></span><span class=\"ps9492\">169\u00a0708<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3338 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cash collateral on securities lent<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14711 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.73pt\"></span></span><span class=\"ps9546\">9\u00a0023<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14713 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.65pt\"></span></span><span class=\"ps14712\">8\u00a0494<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14714 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.5pt\"></span></span><span class=\"ps5475\">1\u00a0065\u00a0587<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14715 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.4pt\"></span></span><span class=\"ps13510\">178\u00a0202<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps14717 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The assets transferred and not derecognised in the above repurchase agreements are fair valued at \u00a31.096 billion (2025: </span></div><div class=\"ps14718 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u00a3207 million). They are pledged as security for the term of the underlying repurchase agreement.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRepurchaseAndReverseRepurchaseAgreementsExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-924": {
   "value": "<div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">18<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11431\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps14689\">Sovereign debt securities<span class=\"f ps2\"> </span></span></div><div class=\"ps72 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss218 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps814 ss1663\"><div><div class=\"ps11070 ss114\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps9195\">2025</span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss1651\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Gross sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps12462 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.01pt\"></span></span><span class=\"ps9431\">3\u00a0688\u00a0138<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps14720 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.4pt\"></span></span><span class=\"ps9433\">2\u00a0524\u00a0702<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps824 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Expected credit loss<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2818 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps829 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps830 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps2820 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10pt\"></span></span><span class=\"ps13399\">3\u00a0688\u00a0138<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps836 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.66pt\"></span></span><span class=\"ps13014\">2\u00a0524\u00a0702<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">The country risk of sovereign debt securities lies in the following geographies:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps843 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">United Kingdom<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2827 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.88pt\"></span></span><span class=\"ps14721\">2\u00a0330\u00a0958<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14723 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.84pt\"></span></span><span class=\"ps14722\">1\u00a0377\u00a0860<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps849 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Europe (excluding UK)*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2830 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.67pt\"></span></span><span class=\"ps11725\">304\u00a0531<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14724 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.31pt\"></span></span><span class=\"ps11238\">239\u00a0778<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps853 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">North America<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11957 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.23pt\"></span></span><span class=\"ps14725\">1\u00a0052\u00a0390<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14726 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.93pt\"></span></span><span class=\"ps9477\">907\u00a0064<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps858 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Asia<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11961 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.68pt\"></span></span><span class=\"ps12742\">259<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14727 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11963 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10pt\"></span></span><span class=\"ps13399\">3\u00a0688\u00a0138<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14728 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.66pt\"></span></span><span class=\"ps13014\">2\u00a0524\u00a0702<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps14729 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Where Europe (excluding UK) largely includes securities held in Denmark, Germany and Switzerland.</span></span></div><div class=\"ps14731 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:12.99pt\">19<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11431\" style=\"width:5.86pt\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps14689\" style=\"width:113.1pt\">Bank debt securities<span class=\"f ps2\"> </span></span></div><div class=\"ps14738 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps14732 ss651\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps9195\">2025</span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps14733 ss651\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss1651\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Gross bank debt securities^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps12462 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.83pt\"></span></span><span class=\"ps11699\">474\u00a0082<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps12463 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.49pt\"></span></span><span class=\"ps14734\">324\u00a0268<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps824 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Expected credit loss^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2818 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.21pt\"></span></span><span class=\"ps8664\">(162)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2819 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.54pt\"></span></span><span class=\"ps10297\">(89)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps830 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net bank debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps2820 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.77pt\"></span></span><span class=\"ps14735\">473\u00a0920<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps2821 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.26pt\"></span></span><span class=\"ps13506\">324\u00a0179<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss652\"><div><div class=\"ps4184 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Bonds<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2823 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.82pt\"></span></span><span class=\"ps9436\">473\u00a0920<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2825 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.08pt\"></span></span><span class=\"ps9438\">324\u00a0179<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps2827 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.77pt\"></span></span><span class=\"ps14735\">473\u00a0920<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps2829 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.26pt\"></span></span><span class=\"ps13506\">324\u00a0179<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps849 ss652\"><div><div class=\"ps4184 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">The country risk of bank debt securities lies in the following geographies:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps853 ss652\"><div><div class=\"ps4184 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">United Kingdom<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11957 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.95pt\"></span></span><span class=\"ps9521\">395\u00a0154<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11894 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.3pt\"></span></span><span class=\"ps9492\">257\u00a0401<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps858 ss652\"><div><div class=\"ps4184 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Australia<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11961 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.27pt\"></span></span><span class=\"ps11601\">53\u00a0606<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11900 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.53pt\"></span></span><span class=\"ps14736\">51\u00a0663<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps863 ss652\"><div><div class=\"ps4184 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">North America<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11963 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.64pt\"></span></span><span class=\"ps12281\">25\u00a0160<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11964 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.24pt\"></span></span><span class=\"ps14737\">15\u00a0115<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11965 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.77pt\"></span></span><span class=\"ps14735\">473\u00a0920<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11966 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.26pt\"></span></span><span class=\"ps13506\">324\u00a0179<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps14739 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">As a result of the change in presentation of ECL on FVOCI instruments, explained on page 167, gross and ECL figures have been re-presented to incorporate ECL </span></span></div><div class=\"ps14740 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">recognised on bank debt securities measured at FVOCI of \u00a389,000 at 31 March 2025.</span></div><div class=\"ps14744 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:14.93pt\">20<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps14743\" style=\"width:5.86pt\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps13501\" style=\"width:117.09pt\">Other debt securities<span class=\"f ps2\"> </span></span></div><div class=\"ps14771 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps14732 ss651\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps9195\">2025</span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps14733 ss651\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss652\"><div><div class=\"ps4184 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Gross other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps12462 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.48pt\"></span></span><span class=\"ps14745\">1\u00a0117\u00a0799<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps12463 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.79pt\"></span></span><span class=\"ps9659\">771\u00a0481<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3425 ss652\"><div><div class=\"ps4184 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Expected credit loss<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14747 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.42pt\"></span></span><span class=\"ps14746\">(48)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14748 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.44pt\"></span></span><span class=\"ps12145\">(759)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps6433 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14749 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.92pt\"></span></span><span class=\"ps11467\">1\u00a0117\u00a0751<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14751 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.1pt\"></span></span><span class=\"ps14750\">770\u00a0722<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14752 ss652\"><div><div class=\"ps4184 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Bonds<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14753 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.5pt\"></span></span><span class=\"ps11829\">50\u00a0613<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14754 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.15pt\"></span></span><span class=\"ps9237\">69\u00a0830<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14755 ss652\"><div><div class=\"ps4184 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Asset-backed securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14757 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.72pt\"></span></span><span class=\"ps14756\">1\u00a0067\u00a0138<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14759 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.04pt\"></span></span><span class=\"ps14758\">700\u00a0892<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14760 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.92pt\"></span></span><span class=\"ps11467\">1\u00a0117\u00a0751<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14761 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.1pt\"></span></span><span class=\"ps14750\">770\u00a0722<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps338 ss652\"><div><div class=\"ps4184 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">The country risk of other debt securities lies in the following geographies:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4656 ss652\"><div><div class=\"ps4184 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">United Kingdom<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11824 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.3pt\"></span></span><span class=\"ps9455\">42\u00a0473<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11825 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.99pt\"></span></span><span class=\"ps11187\">60\u00a0111<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9375 ss652\"><div><div class=\"ps4184 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Europe (excluding UK)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14762 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.89pt\"></span></span><span class=\"ps6979\">120\u00a0177<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14764 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.9pt\"></span></span><span class=\"ps14763\">91\u00a0867<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4478 ss652\"><div><div class=\"ps4184 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">North America<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14765 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.26pt\"></span></span><span class=\"ps13506\">943\u00a0446<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11943 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.05pt\"></span></span><span class=\"ps14766\">600\u00a0762<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps328 ss652\"><div><div class=\"ps4184 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Asia<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14767 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.01pt\"></span></span><span class=\"ps9715\">11\u00a0655<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14768 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.9pt\"></span></span><span class=\"ps14763\">17\u00a0982<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14769 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.92pt\"></span></span><span class=\"ps11467\">1\u00a0117\u00a0751<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14770 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.1pt\"></span></span><span class=\"ps14750\">770\u00a0722<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps15676 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">34<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15674\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15675\">Debt securities in issue<span class=\"f ps2\"> </span></span></div><div class=\"ps15693 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-8d4b9b37 ps9195\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Repayable in:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps1201 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Less than three months<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15677 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.48pt\"></span></span><span class=\"ps10135\">2\u00a0971<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15679 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.75pt\"></span></span><span class=\"ps15678\">10\u00a0861<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps2487 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Three months to one year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15680 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.13pt\"></span></span><span class=\"ps15405\">17\u00a0918<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2491 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.43pt\"></span></span><span class=\"ps12937\">98\u00a0562<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps6177 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">One to five years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9427 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.02pt\"></span></span><span class=\"ps15681\">1\u00a0390\u00a0948<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps9428 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.8pt\"></span></span><span class=\"ps9300\">776\u00a0251<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps5 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Greater than five years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15682 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.24pt\"></span></span><span class=\"ps11783\">1\u00a0194<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15683 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.09pt\"></span></span><span class=\"ps8324\">416\u00a0128<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps15685 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.22pt\"></span></span><span class=\"ps15684\">1\u00a0413\u00a0031<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15686 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.08pt\"></span></span><span class=\"ps7116\">1\u00a0301\u00a0802<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps218 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Debt securities in issue shown above comprise:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps13051 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Senior unsecured notes<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15687 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.95pt\"></span></span><span class=\"ps11809\">955\u00a0235<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15688 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.64pt\"></span></span><span class=\"ps10249\">1\u00a0168\u00a0528<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps3617 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Structured notes<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15689 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.27pt\"></span></span><span class=\"ps11601\">20\u00a0888<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15690 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.78pt\"></span></span><span class=\"ps9445\">132\u00a0080<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps1026 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Redeemable preference shares<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14962 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.24pt\"></span></span><span class=\"ps11783\">1\u00a0194<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14964 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.24pt\"></span></span><span class=\"ps11783\">1\u00a0194<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps9241 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Floating rate notes<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9243 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.07pt\"></span></span><span class=\"ps9530\">435\u00a0714<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps9244 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15691 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.22pt\"></span></span><span class=\"ps15684\">1\u00a0413\u00a0031<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15692 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.08pt\"></span></span><span class=\"ps7116\">1\u00a0301\u00a0802<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDebtSecuritiesExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-925": {
   "value": "<div class=\"ps24 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:12.64pt\">21<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps12724\" style=\"width:5.86pt\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps12726\" style=\"width:176.07pt\">Derivative financial instruments<span class=\"f ps2\"> </span></span></div><div class=\"ps979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group enters into various contracts for derivatives, both as principal for trading purposes and as a customer for hedging <span class=\"f ps2\"> </span></span></div><div class=\"ps980 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">foreign exchange and interest rate exposures. These include financial futures, options, swaps and forward rate agreements. <span class=\"f ps2\"> </span></span></div><div class=\"ps981 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The\u00a0risks associated with derivative instruments are monitored in the same manner as for the underlying instruments. Risks are <span class=\"f ps2\"> </span></span></div><div class=\"ps982 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">also\u00a0measured across the product range in order to take into account possible correlations.<span class=\"f ps2\"> </span></span></div><div class=\"ps4872 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In the tables that follow, notional principal amounts indicate the volume of business outstanding at the balance sheet date and <span class=\"f ps2\"> </span></span></div><div class=\"ps2365 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">do\u00a0not represent amounts at risk. The fair value of a derivative financial instrument represents the positive or negative cash flows </span></div><div class=\"ps8839 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">which would have occurred had the rights and obligations arising from that instrument been closed out by the Group in an orderly </span></div><div class=\"ps8840 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">market transaction at the balance sheet date.</span></div><div class=\"ps13401 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:143.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps8029 ss1859\"><div><div class=\"ps809 ss1858\"><span class=\"f charStyle-a26246ce ps14773\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"4\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps12490 ss1859\"><div><div class=\"ps809 ss1858\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps14774\">2025</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps816 ss1860\"><div><div class=\"ps1400 ss1017\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11278 ss1626\"><div><div class=\"ps14776 ss296\"><span class=\"f charStyle-a26246ce ps14775\">Notional <span class=\"f ps2\"> </span></span></div><div class=\"ps14778 ss296\"><span class=\"f charStyle-a26246ce ps14777\">principal <span class=\"f ps2\"> </span></span></div><div class=\"ps14779 ss296\"><span class=\"f charStyle-a26246ce ps12905\">amounts<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14782 ss1626\"><div><div class=\"ps14778 ss296\"><span class=\"f charStyle-a26246ce ps14780\">Positive <span class=\"f ps2\"> </span></span></div><div class=\"ps14779 ss296\"><span class=\"f charStyle-a26246ce ps14781\">fair value<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12367 ss1626\"><div><div class=\"ps14778 ss296\"><span class=\"f charStyle-a26246ce ps14783\">Negative <span class=\"f ps2\"> </span></span></div><div class=\"ps14779 ss296\"><span class=\"f charStyle-a26246ce ps14781\">fair value<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11281 ss1626\"><div><div class=\"ps14776 ss296\"><span class=\"f charStyle-8d4b9b37 ps14784\">Notional <span class=\"f ps2\"> </span></span></div><div class=\"ps14778 ss296\"><span class=\"f charStyle-8d4b9b37 ps14780\">principal <span class=\"f ps2\"> </span></span></div><div class=\"ps14779 ss296\"><span class=\"f charStyle-8d4b9b37 ps14785\">amounts<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2815 ss1626\"><div><div class=\"ps14778 ss296\"><span class=\"f charStyle-8d4b9b37 ps14786\">Positive <span class=\"f ps2\"> </span></span></div><div class=\"ps14779 ss296\"><span class=\"f charStyle-8d4b9b37 ps9255\">fair value<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2473 ss1636\"><div><div class=\"ps14778 ss114\"><span class=\"f charStyle-8d4b9b37 ps14787\">Negative <span class=\"f ps2\"> </span></span></div><div class=\"ps14779 ss114\"><span class=\"f charStyle-8d4b9b37 ps14788\">fair value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps362 ss1861\"><div><div class=\"ps4014 ss1017\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1002 ss1634\"><div><div class=\"ps997 ss1017\"><span class=\"f charStyle-b7f6e8e5 ps7\">Foreign exchange derivatives<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2492 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Forward foreign exchange contracts<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14790 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.83pt\"></span></span><span class=\"ps14789\">18\u00a0369\u00a0192<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14792 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.6pt\"></span></span><span class=\"ps14791\">145\u00a0434<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14793 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.53pt\"></span></span><span class=\"ps12680\">88\u00a0816<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14794 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.39pt\"></span></span><span class=\"ps9960\">18\u00a0555\u00a0720<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14795 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.2pt\"></span></span><span class=\"ps9977\">165\u00a0285<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps2496 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.84pt\"></span></span><span class=\"ps9494\">102\u00a0646<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps192 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Currency swaps<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14796 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.76pt\"></span></span><span class=\"ps11470\">3\u00a0242\u00a0177<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14797 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.12pt\"></span></span><span class=\"ps12700\">6\u00a0556<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14799 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.52pt\"></span></span><span class=\"ps14798\">31\u00a0285<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14800 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.61pt\"></span></span><span class=\"ps13487\">1\u00a0072\u00a0690<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14801 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.78pt\"></span></span><span class=\"ps9544\">19\u00a0525<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps2500 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.98pt\"></span></span><span class=\"ps11448\">4\u00a0873<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2501 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">OTC options bought and sold<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps8042 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.88pt\"></span></span><span class=\"ps14802\">2\u00a0197\u00a0818<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14803 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.63pt\"></span></span><span class=\"ps11860\">10\u00a0148<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14805 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.14pt\"></span></span><span class=\"ps14804\">21\u00a0719<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14807 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.55pt\"></span></span><span class=\"ps14806\">2\u00a0412\u00a0722<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14808 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.64pt\"></span></span><span class=\"ps11929\">12\u00a0381<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps2505 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.99pt\"></span></span><span class=\"ps8386\">15\u00a0207<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14810 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.55pt\"></span></span><span class=\"ps14809\">23\u00a0809\u00a0187<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14811 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.18pt\"></span></span><span class=\"ps11215\">162\u00a0138<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14812 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.83pt\"></span></span><span class=\"ps9291\">141\u00a0820<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14814 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.67pt\"></span></span><span class=\"ps14813\">22\u00a0041\u00a0132<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14815 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.71pt\"></span></span><span class=\"ps8367\">197\u00a0191<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps2510 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.84pt\"></span></span><span class=\"ps14816\">122\u00a0726<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2511 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-b7f6e8e5 ps7\">Interest rate derivatives<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4281 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Caps and floors<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14818 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.54pt\"></span></span><span class=\"ps14817\">6\u00a0781\u00a0994<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14819 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.15pt\"></span></span><span class=\"ps12149\">23\u00a0082<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14820 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.55pt\"></span></span><span class=\"ps11914\">22\u00a0281<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14821 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.18pt\"></span></span><span class=\"ps12088\">8\u00a0559\u00a0624<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14823 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.17pt\"></span></span><span class=\"ps14822\">28\u00a0420<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14824 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.2pt\"></span></span><span class=\"ps9977\">25\u00a0442<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4288 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Swaps<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14825 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.15pt\"></span></span><span class=\"ps10067\">33\u00a0032\u00a0553<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14827 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.11pt\"></span></span><span class=\"ps14826\">30\u00a0808<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14828 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.91pt\"></span></span><span class=\"ps4543\">61\u00a0799<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14830 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.17pt\"></span></span><span class=\"ps14829\">34\u00a0140\u00a0306<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11830 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.5pt\"></span></span><span class=\"ps11336\">37\u00a0853<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11832 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.15pt\"></span></span><span class=\"ps9237\">80\u00a0963<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4294 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">OTC options bought and sold<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14831 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.26pt\"></span></span><span class=\"ps11880\">54\u00a0600<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14832 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps10058 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.79pt\"></span></span><span class=\"ps14833\">541<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14834 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.26pt\"></span></span><span class=\"ps11880\">54\u00a0600<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14835 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14836 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.68pt\"></span></span><span class=\"ps12742\">447<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14838 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.4pt\"></span></span><span class=\"ps14837\">39\u00a0869\u00a0147<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14840 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.25pt\"></span></span><span class=\"ps14839\">53\u00a0890<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14841 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.71pt\"></span></span><span class=\"ps12641\">84\u00a0621<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14843 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.25pt\"></span></span><span class=\"ps14842\">42\u00a0754\u00a0530<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14845 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.06pt\"></span></span><span class=\"ps14844\">66\u00a0273<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14847 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.8pt\"></span></span><span class=\"ps14846\">106\u00a0852<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4307 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-b7f6e8e5 ps7\">Equity and stock index derivatives<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4313 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">OTC options bought and sold<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14849 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.54pt\"></span></span><span class=\"ps14848\">42\u00a0788<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14851 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.77pt\"></span></span><span class=\"ps14850\">190<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14853 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.43pt\"></span></span><span class=\"ps14852\">7\u00a0037<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14854 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.84pt\"></span></span><span class=\"ps3977\">227\u00a0044<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14855 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.73pt\"></span></span><span class=\"ps11918\">6\u00a0032<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14856 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.12pt\"></span></span><span class=\"ps9482\">33\u00a0337<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4319 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Exchange traded futures<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14857 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.01pt\"></span></span><span class=\"ps8351\">2\u00a0447<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14858 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14860 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.68pt\"></span></span><span class=\"ps14859\">252<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14861 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.19pt\"></span></span><span class=\"ps7426\">46\u00a0288<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14862 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14863 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4325 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Exchange traded options<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14864 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14865 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14866 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14867 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.2pt\"></span></span><span class=\"ps13651\">1\u00a0224\u00a0926<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14868 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.89pt\"></span></span><span class=\"ps1616\">5\u00a0964<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14869 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14871 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.68pt\"></span></span><span class=\"ps14870\">45\u00a0235<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14872 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.03pt\"></span></span><span class=\"ps11655\">190<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14873 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29pt\"></span></span><span class=\"ps13949\">7\u00a0289<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14875 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.2pt\"></span></span><span class=\"ps14874\">1\u00a0498\u00a0258<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14877 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.89pt\"></span></span><span class=\"ps14876\">11\u00a0996<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14878 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.86pt\"></span></span><span class=\"ps10439\">33\u00a0337<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4338 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-b7f6e8e5 ps7\">Commodity derivatives<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4343 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">OTC options bought and sold<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14880 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.54pt\"></span></span><span class=\"ps14879\">359\u00a0757<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14881 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.54pt\"></span></span><span class=\"ps14848\">25\u00a0895<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14882 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.39pt\"></span></span><span class=\"ps11549\">25\u00a0808<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14883 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.72pt\"></span></span><span class=\"ps8474\">319\u00a0445<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14884 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.45pt\"></span></span><span class=\"ps11927\">1\u00a0113<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14886 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.22pt\"></span></span><span class=\"ps14885\">1\u00a0136<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4344 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Commodity swaps and forwards<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14887 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.44pt\"></span></span><span class=\"ps9527\">561\u00a0251<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14888 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.42pt\"></span></span><span class=\"ps12435\">110\u00a0476<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14889 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.97pt\"></span></span><span class=\"ps13303\">158\u00a0429<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14890 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.42pt\"></span></span><span class=\"ps11598\">456\u00a0077<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14891 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.67pt\"></span></span><span class=\"ps4719\">17\u00a0464<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14893 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.84pt\"></span></span><span class=\"ps14892\">9\u00a0200<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2556 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-2b0f4fe0 ps7\">Exchange traded futures<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14894 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.05pt\"></span></span><span class=\"ps3710\">83\u00a0428<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14895 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.57pt\"></span></span><span class=\"ps11150\">3<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14897 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.59pt\"></span></span><span class=\"ps14896\">4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14899 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.33pt\"></span></span><span class=\"ps14898\">141\u00a0479<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14900 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.82pt\"></span></span><span class=\"ps11202\">5<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps2560 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14902 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.31pt\"></span></span><span class=\"ps14901\">1\u00a0004\u00a0436<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14904 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.04pt\"></span></span><span class=\"ps14903\">136\u00a0374<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14905 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.91pt\"></span></span><span class=\"ps9536\">184\u00a0241<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14906 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.01pt\"></span></span><span class=\"ps6959\">917\u00a0001<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14908 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.96pt\"></span></span><span class=\"ps14907\">18\u00a0582<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps2565 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.42pt\"></span></span><span class=\"ps11598\">10\u00a0336<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps2566 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-b7f6e8e5 ps7\">Credit derivatives<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14909 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.79pt\"></span></span><span class=\"ps10386\">420\u00a0321<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14911 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.91pt\"></span></span><span class=\"ps14910\">1\u00a0529<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14913 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.67pt\"></span></span><span class=\"ps14912\">1\u00a0234<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14914 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.34pt\"></span></span><span class=\"ps9496\">361\u00a0034<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14916 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.55pt\"></span></span><span class=\"ps14915\">1\u00a0737<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps2570 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.34pt\"></span></span><span class=\"ps14917\">1\u00a0540<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps4354 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-b7f6e8e5 ps7\">Other derivatives<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14918 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.31pt\"></span></span><span class=\"ps1621\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps10267 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.31pt\"></span></span><span class=\"ps1621\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14920 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.43pt\"></span></span><span class=\"ps14919\">3\u00a0502<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14921 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.31pt\"></span></span><span class=\"ps12518\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11254 ss1633\"><div><div class=\"ps815 ss1017\"><span class=\"f charStyle-b7f6e8e5 ps7\">Derivatives per balance sheet<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14922 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.17pt\"></span></span><span class=\"ps13694\">354\u00a0121<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14923 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.67pt\"></span></span><span class=\"ps11376\">419\u00a0205<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12301 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.12pt\"></span></span><span class=\"ps12719\">299\u00a0281<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12303 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.74pt\"></span></span><span class=\"ps11843\">274\u00a0791<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_385\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">47<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16271\">.<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16272\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16273\">Hedges<span class=\"f ps2\"> </span></span></div><div class=\"ps979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group uses derivatives for the management of financial risks relating to its asset and liability portfolios, mainly associated with </span></div><div class=\"ps980 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">non-trading interest rate risks and exposures to foreign currency risk. Most non-trading interest rate risk is transferred from the </span></div><div class=\"ps981 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">originating business to the Central Treasury in the Specialist Bank. Once aggregated and netted, Central Treasury actively manages </span></div><div class=\"ps982 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the liquidity mismatch and non-trading interest rate risk from our asset and liability portfolios. In this regard, Treasury is required to </span></div><div class=\"ps2364 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">exercise tight control of funding, liquidity, concentration and non-trading interest rate risk within defined parameters.</span></div><div class=\"ps2365 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The accounting treatment of accounting hedges is dependent on the requirement to identify a direct relationship between hedged </span></div><div class=\"ps8839 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">items and hedging instruments. The following is a description of each category of accounting hedges achieved by the Group: </span></div><div class=\"ps16277 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-8ce385cb ps16274\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-8ce385cb ps16275\">Fair value hedges: </span><span class=\"f charStyle-33e1c6d6 ps16276\">Fair value hedges are entered into mainly to hedge the exposure of changes in fair value of fixed rate </span></div><div class=\"ps16280 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps968\">financial instruments attributable to benchmark interest rates</span><span class=\"f charStyle-33e1c6d6 ps16278\">. </span><span class=\"f charStyle-33e1c6d6 ps16279\">The Group implemented macro (portfolio) hedging in the current </span></div><div class=\"ps16281 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps968\">period to better align hedge accounting practices with the management of interest rate risk and to reduce operational burden </span></div><div class=\"ps16282 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps968\">of micro hedging. The Group continues to use micro (one-to-one) hedging where appropriate. </span></div><div class=\"ps16285 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-8ce385cb ps16274\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-8ce385cb ps16275\">Cash flow hedges:</span><span class=\"f charStyle-33e1c6d6 ps16283\"> </span><span class=\"f charStyle-33e1c6d6 ps16284\">The change in the benchmark interest rate exposes the Group to cash flow variability risk from both existing </span></div><div class=\"ps16286 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps968\">and highly probable future transactions. To mitigate this, the Group enters into interest rate swap transactions to mitigate the </span></div><div class=\"ps16287 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps968\">cash flow variability risk. </span></div><div class=\"ps16289 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-8ce385cb ps16274\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-8ce385cb ps16275\">Hedge of the net investment in a subsidiary:</span><span class=\"f charStyle-33e1c6d6 ps16288\"> In the current year, the Group has implemented a hedge of our net investment in </span></div><div class=\"ps16290 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps968\">Investec Continental Europe Advisory, for exposure to movements in the subsidiary\u2019s functional currency of the Euro. </span></div><div class=\"ps16291 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In addition, the Group maintains a structural hedging programme to reduce the sensitivity of earnings to short-term interest rate </span></div><div class=\"ps16296 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">movements. For more detail refer to pag</span><span class=\"f charStyle-33e1c6d6 ps16292\">e</span><span class=\"f charStyle-33e1c6d6 ps16293\"> </span><span class=\"f charStyle-c4fc3a3f ps16294\"><a class=\"Hyperlink\" href=\"#i4298e21e46a84636ae4baccaf7cfb863_8571\" style=\"z-index:1\">190</a></span><span class=\"f charStyle-33e1c6d6 ps16295\">.</span></div><div class=\"ps16297 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Where all the relevant criteria to qualify for hedging are met, hedge accounting is applied. To the extent hedging instruments are </span></div><div class=\"ps16298 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">exposed to different risks than the hedged items, this could result in hedge ineffectiveness. </span></div><div class=\"ps16299 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Sources of ineffectiveness include the following:<span class=\"f ps2\"> </span></span></div><div class=\"ps16300 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Differences in the terms of the hedged item and the hedging instrument, such as the reference interest rate, notional amounts, <span class=\"f ps2\"> </span></span></div><div class=\"ps16301 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">maturity dates, reset/coupon or settlement dates<span class=\"f ps2\"> </span></span></div><div class=\"ps16302 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">If a hedging relationship becomes over-hedged, for example, if the hedged item is partially redeemed but the original hedging <span class=\"f ps2\"> </span></span></div><div class=\"ps16303 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">instrument remains in place. <span class=\"f ps2\"> </span></span></div><div class=\"ps16304 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Fair value hedges<span class=\"f ps2\"> </span></span></div><div class=\"ps16305 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Fair value hedges - Hedging instruments</span></div><div class=\"ps16361 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:66.75pt\"></td><td style=\"padding:0;width:114pt\"></td><td style=\"padding:0;width:75pt\"></td><td style=\"padding:0;width:75pt\"></td><td style=\"padding:0;width:75pt\"></td><td style=\"padding:0;width:75pt\"></td></tr><tr style=\"height:41.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss1919\"><div><div class=\"ps14212 ss1918\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps8770 ss1920\"><div><div class=\"ps14220 ss1225\"><span class=\"f charStyle-8d4b9b37 ps7\">Description of financial <span class=\"f ps2\"> </span></span></div><div class=\"ps14214 ss1225\"><span class=\"f charStyle-8d4b9b37 ps7\">instrument designated as <span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss1225\"><span class=\"f charStyle-8d4b9b37 ps7\">hedging instrument<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps98 ss1921\"><div><div class=\"ps14214 ss212\"><span class=\"f charStyle-a26246ce ps9287\">Notional value of <span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss212\"><span class=\"f charStyle-a26246ce ps16306\">hedging instrument<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12364 ss1921\"><div><div class=\"ps14214 ss212\"><span class=\"f charStyle-a26246ce ps16307\">Fair value of hedging <span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss212\"><span class=\"f charStyle-a26246ce ps16308\">instrument - Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps4192 ss1921\"><div><div class=\"ps14220 ss212\"><span class=\"f charStyle-a26246ce ps16307\">Fair value of hedging <span class=\"f ps2\"> </span></span></div><div class=\"ps14214 ss212\"><span class=\"f charStyle-a26246ce ps16309\">instrument - <span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss212\"><span class=\"f charStyle-a26246ce ps16310\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16315 ss1921\"><div><div class=\"ps14224 ss212\"><span class=\"f charStyle-a26246ce ps16311\">Change in fair value <span class=\"f ps2\"> </span></span></div><div class=\"ps14218 ss212\"><span class=\"f charStyle-a26246ce ps15028\">used to measure <span class=\"f ps2\"> </span></span></div><div class=\"ps14220 ss212\"><span class=\"f charStyle-a26246ce ps16312\">hedge <span class=\"f ps2\"> </span></span></div><div class=\"ps14214 ss212\"><span class=\"f charStyle-a26246ce ps16313\">ineffectiveness for <span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss212\"><span class=\"f charStyle-a26246ce ps16314\">the year<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16316 ss1922\"><div><div class=\"ps4014 ss1918\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3564 ss1923\"><div><div class=\"ps997 ss1918\"><span class=\"f charStyle-b7f6e8e5 ps7\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps216 ss1924\"><div><div class=\"ps815 ss1918\"><span class=\"f charStyle-2b0f4fe0 ps7\">Hedged assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16317 ss1521\"><div><div class=\"ps815 ss1225\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interest rate swap^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16318 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.29pt\"></span></span><span class=\"ps854\">2\u00a0436\u00a0034<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16319 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:44.63pt\"></span></span><span class=\"ps2267\">67\u00a0738<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16321 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.68pt\"></span></span><span class=\"ps16320\">(2\u00a0344)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16323 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.92pt\"></span></span><span class=\"ps16322\">(11\u00a0635)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14634 ss1924\"><div><div class=\"ps815 ss1918\"><span class=\"f charStyle-2b0f4fe0 ps7\">Hedged liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16324 ss1521\"><div><div class=\"ps815 ss1225\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interest rate swap^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16326 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.72pt\"></span></span><span class=\"ps16325\">5\u00a0520\u00a0303<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16328 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:59.76pt\"></span></span><span class=\"ps16327\">84<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16330 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.06pt\"></span></span><span class=\"ps16329\">(48\u00a0776)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16331 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:50.87pt\"></span></span><span class=\"ps448\">4\u00a0141<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16333 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.57pt\"></span></span><span class=\"ps16332\">7\u00a0956\u00a0337<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16335 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.03pt\"></span></span><span class=\"ps16334\">67\u00a0822<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16337 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.72pt\"></span></span><span class=\"ps16336\">(51\u00a0120)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16339 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:44.2pt\"></span></span><span class=\"ps16338\">(7\u00a0494)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps1353 ss1924\"><div><div class=\"ps815 ss1918\"><span class=\"f charStyle-b7f6e8e5 ps7\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps45 ss1924\"><div><div class=\"ps815 ss1918\"><span class=\"f charStyle-2b0f4fe0 ps7\">Hedged assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16340 ss1521\"><div><div class=\"ps815 ss1225\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interest rate swap^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16341 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.04pt\"></span></span><span class=\"ps10391\">2\u00a0362\u00a0156<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16342 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.92pt\"></span></span><span class=\"ps16322\">89\u00a0938<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16344 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:46.38pt\"></span></span><span class=\"ps16343\">(6\u00a0097)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16346 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.46pt\"></span></span><span class=\"ps16345\">(49\u00a0132)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2367 ss1924\"><div><div class=\"ps815 ss1918\"><span class=\"f charStyle-2b0f4fe0 ps7\">Hedged liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16347 ss1521\"><div><div class=\"ps815 ss1225\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interest rate swap^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16349 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.94pt\"></span></span><span class=\"ps16348\">4\u00a0961\u00a0982<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16350 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.98pt\"></span></span><span class=\"ps15916\">2\u00a0158<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16352 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.48pt\"></span></span><span class=\"ps16351\">(54\u00a0992)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16354 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.96pt\"></span></span><span class=\"ps16353\">46\u00a0622<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16355 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.34pt\"></span></span><span class=\"ps15383\">7\u00a0324\u00a0138<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16357 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.1pt\"></span></span><span class=\"ps16356\">92\u00a0096<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16358 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.09pt\"></span></span><span class=\"ps15906\">(61\u00a0089)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16360 ss1925\"><div><div class=\"ps815 ss212\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.39pt\"></span></span><span class=\"ps16359\">(2\u00a0510)</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps16362 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">This is the financial instrument designated as a hedging instrument which is included within derivative financial instruments on the balance sheet.</span></span></div></div><div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">47</span><span class=\"f charStyle-f6a3ab10 ps16271\">. </span><span class=\"f charStyle-f6a3ab10 ps16273\">Hedges</span><span class=\"f charStyle-f6a3ab10 ps16378\"> (continued)</span></div><div class=\"ps979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Fair value hedges - Maturity analysis of hedging instruments</span></div><div class=\"ps13812 ss8\"><div class=\"ss47 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:128.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:46.5pt\"></td><td style=\"padding:0;width:48pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:41.25pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:56.25pt\"></td></tr><tr style=\"height:15pt\"><td style=\"padding:0\"><div class=\"ps19 ss1926\"><div><div class=\"ps3534 ss5\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16382 ss1927\"><div><div class=\"ps16380 ss114\"><span class=\"f charStyle-a26246ce ps16379\">Up to one <span class=\"f ps2\"> </span></span></div><div class=\"ps16381 ss114\"><span class=\"f charStyle-a26246ce ps11413\">month<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps8703 ss1928\"><div><div class=\"ps16383 ss926\"><span class=\"f charStyle-a26246ce ps8396\">One month <span class=\"f ps2\"> </span></span></div><div class=\"ps16380 ss926\"><span class=\"f charStyle-a26246ce ps13571\">to three <span class=\"f ps2\"> </span></span></div><div class=\"ps16381 ss926\"><span class=\"f charStyle-a26246ce ps16384\">months<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16386 ss1929\"><div><div class=\"ps16383 ss936\"><span class=\"f charStyle-a26246ce ps10215\">Three <span class=\"f ps2\"> </span></span></div><div class=\"ps16380 ss936\"><span class=\"f charStyle-a26246ce ps14504\">months to <span class=\"f ps2\"> </span></span></div><div class=\"ps16381 ss936\"><span class=\"f charStyle-a26246ce ps16385\">six months<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16387 ss1930\"><div><div class=\"ps16380 ss1333\"><span class=\"f charStyle-a26246ce ps14329\">Six months to <span class=\"f ps2\"> </span></span></div><div class=\"ps16381 ss1333\"><span class=\"f charStyle-a26246ce ps14030\">one year<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps6324 ss1931\"><div><div class=\"ps16380 ss517\"><span class=\"f charStyle-a26246ce ps16388\">One to five <span class=\"f ps2\"> </span></span></div><div class=\"ps16381 ss517\"><span class=\"f charStyle-a26246ce ps16389\">years<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15213 ss1930\"><div><div class=\"ps16380 ss1333\"><span class=\"f charStyle-a26246ce ps11559\">Greater than <span class=\"f ps2\"> </span></span></div><div class=\"ps16381 ss1333\"><span class=\"f charStyle-a26246ce ps9694\">five years<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16390 ss1932\"><div><div class=\"ps16381 ss296\"><span class=\"f charStyle-a26246ce ps11118\">Total<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3538 ss1933\"><div><div class=\"ps14732 ss5\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps213 ss1934\"><div><div class=\"ps5724 ss5\"><span class=\"f charStyle-b7f6e8e5 ps7\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4463 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-b7f6e8e5 ps7\">Asset hedging - Notionals<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3551 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16391 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16392 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.03pt\"></span></span><span class=\"ps11649\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16394 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.87pt\"></span></span><span class=\"ps16393\">24\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16395 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.85pt\"></span></span><span class=\"ps8480\">32\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16396 ss856\"><div><div class=\"ps815 ss517\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.91pt\"></span></span><span class=\"ps8392\">376\u00a0020<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16398 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.99pt\"></span></span><span class=\"ps16397\">17\u00a0878<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16399 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.5pt\"></span></span><span class=\"ps8426\">449\u00a0898<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4561 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-2b0f4fe0 ps7\">Bank debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16400 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16401 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.03pt\"></span></span><span class=\"ps11649\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16403 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.44pt\"></span></span><span class=\"ps16402\">4\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16405 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.08pt\"></span></span><span class=\"ps16404\">1\u00a0470<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9357 ss856\"><div><div class=\"ps815 ss517\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.44pt\"></span></span><span class=\"ps16406\">24\u00a0621<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16407 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.45pt\"></span></span><span class=\"ps11727\">11\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16408 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.64pt\"></span></span><span class=\"ps11929\">41\u00a0091<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps114 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16409 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16410 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.03pt\"></span></span><span class=\"ps11649\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16411 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16412 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.53pt\"></span></span><span class=\"ps9395\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9360 ss856\"><div><div class=\"ps815 ss517\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.94pt\"></span></span><span class=\"ps14360\">8\u00a0500<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16413 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.53pt\"></span></span><span class=\"ps9395\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16414 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.94pt\"></span></span><span class=\"ps10217\">8\u00a0500<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9365 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4677 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Micro hedging<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16415 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16416 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.03pt\"></span></span><span class=\"ps11649\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16417 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16419 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.32pt\"></span></span><span class=\"ps16418\">7\u00a0067<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16421 ss856\"><div><div class=\"ps815 ss517\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.98pt\"></span></span><span class=\"ps16420\">78\u00a0501<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11928 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.4pt\"></span></span><span class=\"ps16422\">15\u00a0828<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16424 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.05pt\"></span></span><span class=\"ps16423\">101\u00a0396<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11931 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Macro portfolio hedging<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16425 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.92pt\"></span></span><span class=\"ps15337\">5\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16426 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.23pt\"></span></span><span class=\"ps14725\">122\u00a0298<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16427 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.14pt\"></span></span><span class=\"ps11498\">86\u00a0850<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16428 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.3pt\"></span></span><span class=\"ps9455\">258\u00a0111<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16430 ss856\"><div><div class=\"ps815 ss517\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:1.73pt\"></span></span><span class=\"ps16429\">1\u00a0021\u00a0855<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11935 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.42pt\"></span></span><span class=\"ps16431\">341\u00a0035<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16433 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.39pt\"></span></span><span class=\"ps16432\">1\u00a0835\u00a0149<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16434 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.77pt\"></span></span><span class=\"ps9675\">5\u00a0000<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16435 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.6pt\"></span></span><span class=\"ps4290\">122\u00a0298<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16437 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.47pt\"></span></span><span class=\"ps16436\">114\u00a0850<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16439 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.23pt\"></span></span><span class=\"ps16438\">298\u00a0648<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16440 ss856\"><div><div class=\"ps815 ss517\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"></span><span class=\"ps7\">1\u00a0509\u00a0497<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16441 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.9pt\"></span></span><span class=\"ps14700\">385\u00a0741<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16443 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.48pt\"></span></span><span class=\"ps16442\">2\u00a0436\u00a0034<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps16444 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-b7f6e8e5 ps7\">Liability hedging - Notionals<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16445 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15539 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-2b0f4fe0 ps7\">Customer accounts (deposits)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15546 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Micro hedging<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16446 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.49pt\"></span></span><span class=\"ps11222\">88\u00a0307<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16447 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.03pt\"></span></span><span class=\"ps11649\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16448 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16449 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.53pt\"></span></span><span class=\"ps9395\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16450 ss856\"><div><div class=\"ps815 ss517\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.32pt\"></span></span><span class=\"ps12139\">50\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15551 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.53pt\"></span></span><span class=\"ps9395\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16452 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.02pt\"></span></span><span class=\"ps16451\">138\u00a0307<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15276 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Macro portfolio hedging<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16453 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.56pt\"></span></span><span class=\"ps16081\">70\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16455 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.24pt\"></span></span><span class=\"ps16454\">375\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16456 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.49pt\"></span></span><span class=\"ps14686\">850\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16458 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.95pt\"></span></span><span class=\"ps16457\">2\u00a0315\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16460 ss856\"><div><div class=\"ps815 ss517\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.2pt\"></span></span><span class=\"ps16459\">80\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15283 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.53pt\"></span></span><span class=\"ps9395\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16462 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.83pt\"></span></span><span class=\"ps16461\">3\u00a0690\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15286 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-2b0f4fe0 ps7\">Debt securities in issue<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16463 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16464 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.03pt\"></span></span><span class=\"ps11649\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16465 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16466 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.53pt\"></span></span><span class=\"ps9395\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16468 ss856\"><div><div class=\"ps815 ss517\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.98pt\"></span></span><span class=\"ps16467\">986\u00a0216<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15296 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.53pt\"></span></span><span class=\"ps9395\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16469 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.98pt\"></span></span><span class=\"ps13196\">986\u00a0216<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15299 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-2b0f4fe0 ps7\">Subordinated liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16470 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16471 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.03pt\"></span></span><span class=\"ps11649\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16472 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16474 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.61pt\"></span></span><span class=\"ps16473\">55\u00a0780<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16475 ss856\"><div><div class=\"ps815 ss517\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.61pt\"></span></span><span class=\"ps15671\">350\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15307 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.22pt\"></span></span><span class=\"ps11385\">300\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16476 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.5pt\"></span></span><span class=\"ps11730\">705\u00a0780<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16478 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.07pt\"></span></span><span class=\"ps16477\">158\u00a0307<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16480 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.62pt\"></span></span><span class=\"ps16479\">375\u00a0000<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16481 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.41pt\"></span></span><span class=\"ps414\">850\u00a0000<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16482 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.25pt\"></span></span><span class=\"ps14709\">2\u00a0370\u00a0780<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16483 ss856\"><div><div class=\"ps815 ss517\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"></span><span class=\"ps7\">1\u00a0466\u00a0216<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15565 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.09pt\"></span></span><span class=\"ps441\">300\u00a0000<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16484 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.77pt\"></span></span><span class=\"ps5599\">5\u00a0520\u00a0303<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15567 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-b7f6e8e5 ps7\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15568 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-b7f6e8e5 ps7\">Asset hedging - Notionals<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15569 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16485 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16486 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.03pt\"></span></span><span class=\"ps11649\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16487 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16488 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.55pt\"></span></span><span class=\"ps2281\">8\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16490 ss856\"><div><div class=\"ps815 ss517\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.27pt\"></span></span><span class=\"ps16489\">275\u00a0500<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15574 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.13pt\"></span></span><span class=\"ps16491\">29\u00a0500<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16492 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.62pt\"></span></span><span class=\"ps13622\">313\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15575 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-2b0f4fe0 ps7\">Bank debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16493 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16494 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.03pt\"></span></span><span class=\"ps11649\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16495 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16496 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.53pt\"></span></span><span class=\"ps9395\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16497 ss856\"><div><div class=\"ps815 ss517\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.92pt\"></span></span><span class=\"ps11467\">5\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15581 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.53pt\"></span></span><span class=\"ps9395\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16498 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.92pt\"></span></span><span class=\"ps10428\">5\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15583 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16499 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16500 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.03pt\"></span></span><span class=\"ps11649\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16501 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16502 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.53pt\"></span></span><span class=\"ps9395\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16504 ss856\"><div><div class=\"ps815 ss517\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.76pt\"></span></span><span class=\"ps16503\">15\u00a0473<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15588 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.53pt\"></span></span><span class=\"ps9395\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16505 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.76pt\"></span></span><span class=\"ps12286\">15\u00a0473<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4718 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14156 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Micro hedging<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16506 ss650\"><div><div class=\"ps4184 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.22pt\"></span></span><span class=\"ps11592\">1\u00a0588<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16507 ss930\"><div><div class=\"ps4184 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.03pt\"></span></span><span class=\"ps11649\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16508 ss939\"><div><div class=\"ps4184 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.18pt\"></span></span><span class=\"ps2227\">49\u00a0955<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16510 ss1935\"><div><div class=\"ps4184 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.81pt\"></span></span><span class=\"ps16509\">114\u00a0680<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16512 ss856\"><div><div class=\"ps4184 ss517\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:0.6pt\"></span></span><span class=\"ps16511\">1\u00a0507\u00a0094<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15604 ss1935\"><div><div class=\"ps4184 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.45pt\"></span></span><span class=\"ps16513\">355\u00a0366<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16514 ss305\"><div><div class=\"ps4184 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.9pt\"></span></span><span class=\"ps12873\">2\u00a0028\u00a0683<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1227 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Macro portfolio hedging<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16515 ss650\"><div><div class=\"ps4184 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16516 ss930\"><div><div class=\"ps4184 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.03pt\"></span></span><span class=\"ps11649\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16517 ss939\"><div><div class=\"ps4184 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16518 ss1935\"><div><div class=\"ps4184 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.53pt\"></span></span><span class=\"ps9395\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16519 ss856\"><div><div class=\"ps4184 ss517\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.78pt\"></span></span><span class=\"ps11459\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16520 ss1935\"><div><div class=\"ps4184 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.53pt\"></span></span><span class=\"ps9395\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16521 ss305\"><div><div class=\"ps4184 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps16522 ss1578\"><div><div class=\"ps9695 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.68pt\"></span></span><span class=\"ps8322\">1\u00a0588<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps16523 ss1936\"><div><div class=\"ps9695 ss926\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.56pt\"></span></span><span class=\"ps11090\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps16525 ss1761\"><div><div class=\"ps9695 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.19pt\"></span></span><span class=\"ps16524\">49\u00a0955<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps16527 ss1937\"><div><div class=\"ps9695 ss1333\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.66pt\"></span></span><span class=\"ps16526\">122\u00a0680<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps16528 ss1938\"><div><div class=\"ps9695 ss517\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"></span><span class=\"ps7\">1\u00a0803\u00a0067<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps16530 ss1937\"><div><div class=\"ps9695 ss1333\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.01pt\"></span></span><span class=\"ps16529\">384\u00a0866<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps16531 ss388\"><div><div class=\"ps9695 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.57pt\"></span></span><span class=\"ps11455\">2\u00a0362\u00a0156<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"padding:0\"><div class=\"ps8672 ss1939\"><div><div class=\"ps5733 ss5\"><span class=\"f charStyle-b7f6e8e5 ps7\">Liability hedging - Notionals<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1090 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-2b0f4fe0 ps7\">Customer accounts (deposits)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1094 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Micro hedging<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16532 ss650\"><div><div class=\"ps4184 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.98pt\"></span></span><span class=\"ps99\">150\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16534 ss930\"><div><div class=\"ps4184 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.65pt\"></span></span><span class=\"ps16533\">84\u00a0837<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16535 ss939\"><div><div class=\"ps4184 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.67pt\"></span></span><span class=\"ps11461\">861\u00a0200<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16536 ss1935\"><div><div class=\"ps4184 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.49pt\"></span></span><span class=\"ps11640\">1\u00a0925\u00a0510<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16537 ss856\"><div><div class=\"ps4184 ss517\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.21pt\"></span></span><span class=\"ps11541\">20\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16538 ss1935\"><div><div class=\"ps4184 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.53pt\"></span></span><span class=\"ps9395\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16540 ss305\"><div><div class=\"ps4184 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.37pt\"></span></span><span class=\"ps16539\">3\u00a0041\u00a0547<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1099 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Macro portfolio hedging<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16541 ss650\"><div><div class=\"ps4184 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16542 ss930\"><div><div class=\"ps4184 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.03pt\"></span></span><span class=\"ps11649\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16543 ss939\"><div><div class=\"ps4184 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16544 ss1935\"><div><div class=\"ps4184 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.53pt\"></span></span><span class=\"ps9395\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16545 ss856\"><div><div class=\"ps4184 ss517\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.78pt\"></span></span><span class=\"ps11459\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16546 ss1935\"><div><div class=\"ps4184 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.53pt\"></span></span><span class=\"ps9395\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16547 ss305\"><div><div class=\"ps4184 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1103 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-2b0f4fe0 ps7\">Debt securities in issue<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16548 ss650\"><div><div class=\"ps4184 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16549 ss930\"><div><div class=\"ps4184 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.03pt\"></span></span><span class=\"ps11649\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16550 ss939\"><div><div class=\"ps4184 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.16pt\"></span></span><span class=\"ps9318\">115\u00a0535<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16551 ss1935\"><div><div class=\"ps4184 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.91pt\"></span></span><span class=\"ps9536\">135\u00a0016<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16553 ss856\"><div><div class=\"ps4184 ss517\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.6pt\"></span></span><span class=\"ps16552\">969\u00a0883<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16554 ss1935\"><div><div class=\"ps4184 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.53pt\"></span></span><span class=\"ps9395\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16555 ss305\"><div><div class=\"ps4184 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.91pt\"></span></span><span class=\"ps4235\">1\u00a0220\u00a0434<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1107 ss1933\"><div><div class=\"ps4184 ss5\"><span class=\"f charStyle-2b0f4fe0 ps7\">Subordinated liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16556 ss650\"><div><div class=\"ps4184 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16557 ss930\"><div><div class=\"ps4184 ss926\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.03pt\"></span></span><span class=\"ps11649\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16558 ss939\"><div><div class=\"ps4184 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16559 ss1935\"><div><div class=\"ps4184 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.53pt\"></span></span><span class=\"ps9395\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16560 ss856\"><div><div class=\"ps4184 ss517\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.96pt\"></span></span><span class=\"ps11643\">700\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16561 ss1935\"><div><div class=\"ps4184 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.53pt\"></span></span><span class=\"ps9395\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16562 ss305\"><div><div class=\"ps4184 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.96pt\"></span></span><span class=\"ps6947\">700\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16564 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.94pt\"></span></span><span class=\"ps16563\">150\u00a0000<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16565 ss930\"><div><div class=\"ps815 ss926\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.95pt\"></span></span><span class=\"ps2271\">84\u00a0837<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16566 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.24pt\"></span></span><span class=\"ps16454\">976\u00a0735<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16568 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.61pt\"></span></span><span class=\"ps16567\">2\u00a0060\u00a0526<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16569 ss856\"><div><div class=\"ps815 ss517\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"></span><span class=\"ps7\">1\u00a0689\u00a0883<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16571 ss1935\"><div><div class=\"ps815 ss1333\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.06pt\"></span></span><span class=\"ps16570\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16573 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.13pt\"></span></span><span class=\"ps16572\">4\u00a0961\u00a0981<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps16574 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">Historically the maturity analysis has been presented based on the hedged items, rather than hedging instruments. As a result of this change, comparatives have been </span></span></div><div class=\"ps16575 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">included on a consistent basis.</span></div></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">47</span><span class=\"f charStyle-f6a3ab10 ps16271\">. </span><span class=\"f charStyle-f6a3ab10 ps16273\">Hedges</span><span class=\"f charStyle-f6a3ab10 ps16378\"> (continued)</span></div><div class=\"ps979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Fair value hedges - Hedged items</span></div><div class=\"ps13812 ss8\"><div class=\"ss47 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:126pt\"></td><td style=\"padding:0;width:59.25pt\"></td><td style=\"padding:0;width:59.25pt\"></td><td style=\"padding:0;width:59.25pt\"></td><td style=\"padding:0;width:59.25pt\"></td><td style=\"padding:0;width:59.25pt\"></td><td style=\"padding:0;width:59.25pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps14026 ss1940\"><div><div class=\"ps809 ss700\"><span class=\"f charStyle-a26246ce ps16576\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps16578 ss1940\"><div><div class=\"ps809 ss700\"><span class=\"f charStyle-a26246ce ps16577\">2025<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16580 ss1941\"><div><div class=\"ps14216 ss1753\"><span class=\"f charStyle-a26246ce ps16579\">Carrying value<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16583 ss1941\"><div><div class=\"ps14220 ss1753\"><span class=\"f charStyle-ef17fa27 ps11096\">Cumulative </span></div><div class=\"ps14214 ss1753\"><span class=\"f charStyle-ef17fa27 ps16581\">fair value </span></div><div class=\"ps14216 ss1753\"><span class=\"f charStyle-ef17fa27 ps13488\">adjustments</span><span class=\"f charStyle-d8bac126 ps16582\"><sup>#</sup></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16586 ss1941\"><div><div class=\"ps14224 ss1753\"><span class=\"f charStyle-a26246ce ps4944\">Change in fair <span class=\"f ps2\"> </span></span></div><div class=\"ps14218 ss1753\"><span class=\"f charStyle-a26246ce ps5501\">value used to <span class=\"f ps2\"> </span></span></div><div class=\"ps14220 ss1753\"><span class=\"f charStyle-a26246ce ps16584\">measure <span class=\"f ps2\"> </span></span></div><div class=\"ps14214 ss1753\"><span class=\"f charStyle-a26246ce ps16585\">ineffectiveness <span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss1753\"><span class=\"f charStyle-a26246ce ps15760\">for the year^<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16587 ss1941\"><div><div class=\"ps14216 ss1753\"><span class=\"f charStyle-a26246ce ps16579\">Carrying value<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16588 ss1941\"><div><div class=\"ps14220 ss1753\"><span class=\"f charStyle-ef17fa27 ps11096\">Cumulative </span></div><div class=\"ps14214 ss1753\"><span class=\"f charStyle-ef17fa27 ps16581\">fair value </span></div><div class=\"ps14216 ss1753\"><span class=\"f charStyle-ef17fa27 ps13488\">adjustments</span><span class=\"f charStyle-d8bac126 ps16582\"><sup>#</sup></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12414 ss1941\"><div><div class=\"ps14224 ss1753\"><span class=\"f charStyle-a26246ce ps4944\">Change in fair <span class=\"f ps2\"> </span></span></div><div class=\"ps14218 ss1753\"><span class=\"f charStyle-a26246ce ps5501\">value used to <span class=\"f ps2\"> </span></span></div><div class=\"ps14220 ss1753\"><span class=\"f charStyle-a26246ce ps16584\">measure <span class=\"f ps2\"> </span></span></div><div class=\"ps14214 ss1753\"><span class=\"f charStyle-a26246ce ps16585\">ineffectiveness <span class=\"f ps2\"> </span></span></div><div class=\"ps14216 ss1753\"><span class=\"f charStyle-a26246ce ps16589\">for the year<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3516 ss382\"><div><div class=\"ps1404 ss356\"><span class=\"f charStyle-ef17fa27 ps16590\">At 31 March<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss356\"><span class=\"f charStyle-ef17fa27 ps16591\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps4049 ss1942\"><div><div class=\"ps815 ss356\"><span class=\"f charStyle-b7f6e8e5 ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3844 ss1942\"><div><div class=\"ps4184 ss356\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16592 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.38pt\"></span></span><span class=\"ps11646\">449\u00a0632<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16594 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.51pt\"></span></span><span class=\"ps16593\">(6\u00a0513)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16595 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.16pt\"></span></span><span class=\"ps2275\">(2\u00a0094)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16596 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.16pt\"></span></span><span class=\"ps4432\">311\u00a0905<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16598 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.3pt\"></span></span><span class=\"ps16597\">(4\u00a0419)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16600 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.67pt\"></span></span><span class=\"ps16599\">554<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13417 ss1942\"><div><div class=\"ps4184 ss356\"><span class=\"f charStyle-2b0f4fe0 ps7\">Bank debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16602 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.43pt\"></span></span><span class=\"ps16601\">41\u00a0245<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16604 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.21pt\"></span></span><span class=\"ps16603\">(616)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16605 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.97pt\"></span></span><span class=\"ps828\">(549)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16607 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.12pt\"></span></span><span class=\"ps16606\">5\u00a0295<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16609 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.9pt\"></span></span><span class=\"ps16608\">(67)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16611 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.73pt\"></span></span><span class=\"ps16610\">1\u00a0343<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4807 ss1942\"><div><div class=\"ps4184 ss356\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16612 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.46pt\"></span></span><span class=\"ps9361\">8\u00a0755<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16614 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:46.47pt\"></span></span><span class=\"ps16613\">(7)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16615 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.29pt\"></span></span><span class=\"ps11339\">(150)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16616 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.01pt\"></span></span><span class=\"ps8351\">15\u00a0754<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16618 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.54pt\"></span></span><span class=\"ps16617\">143<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16620 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.79pt\"></span></span><span class=\"ps16619\">415<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3328 ss1942\"><div><div class=\"ps4184 ss356\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1026 ss1942\"><div><div class=\"ps4184 ss356\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Micro hedging<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16621 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.57pt\"></span></span><span class=\"ps12187\">127\u00a0162<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16623 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.81pt\"></span></span><span class=\"ps16622\">(33\u00a0729)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16624 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.06pt\"></span></span><span class=\"ps11782\">40\u00a0246<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16625 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.14pt\"></span></span><span class=\"ps10504\">2\u00a0012\u00a0683<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16626 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.3pt\"></span></span><span class=\"ps8452\">(73\u00a0976)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16627 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.55pt\"></span></span><span class=\"ps8478\">42\u00a0897<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1027 ss1942\"><div><div class=\"ps4184 ss356\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Macro portfolio hedging<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16629 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.75pt\"></span></span><span class=\"ps16628\">1\u00a0832\u00a0716<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16630 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.14pt\"></span></span><span class=\"ps8414\">(20\u00a0507)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16631 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.14pt\"></span></span><span class=\"ps8414\">(20\u00a0507)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16633 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.78pt\"></span></span><span class=\"ps16632\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16634 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.78pt\"></span></span><span class=\"ps16632\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16635 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.78pt\"></span></span><span class=\"ps16632\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1031 ss1942\"><div><div class=\"ps4184 ss356\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16636 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.78pt\"></span></span><span class=\"ps16632\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16637 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.78pt\"></span></span><span class=\"ps16632\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16638 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.78pt\"></span></span><span class=\"ps16632\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16639 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.78pt\"></span></span><span class=\"ps16632\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16640 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.78pt\"></span></span><span class=\"ps16632\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16642 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.63pt\"></span></span><span class=\"ps16641\">4\u00a0328<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1035 ss1942\"><div><div class=\"ps815 ss356\"><span class=\"f charStyle-b7f6e8e5 ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps344 ss1942\"><div><div class=\"ps4184 ss356\"><span class=\"f charStyle-2b0f4fe0 ps7\">Customer accounts (deposits)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1042 ss1942\"><div><div class=\"ps4184 ss356\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Micro hedging<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16643 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.45pt\"></span></span><span class=\"ps16000\">(140\u00a0387)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16644 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.54pt\"></span></span><span class=\"ps11418\">(737)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16646 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.8pt\"></span></span><span class=\"ps16645\">764<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16647 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.54pt\"></span></span><span class=\"ps16119\">(3\u00a0267\u00a0390)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16649 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.85pt\"></span></span><span class=\"ps16648\">(1\u00a0501)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16651 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.86pt\"></span></span><span class=\"ps16650\">(1\u00a0072)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1046 ss1942\"><div><div class=\"ps4184 ss356\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Macro portfolio hedging<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16653 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.77pt\"></span></span><span class=\"ps16652\">(3\u00a0730\u00a0467)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16654 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.5pt\"></span></span><span class=\"ps13235\">10\u00a0395<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16655 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.5pt\"></span></span><span class=\"ps13235\">10\u00a0395<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16656 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.78pt\"></span></span><span class=\"ps16632\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16657 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.78pt\"></span></span><span class=\"ps16632\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16658 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.78pt\"></span></span><span class=\"ps16632\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1050 ss1942\"><div><div class=\"ps4184 ss356\"><span class=\"f charStyle-2b0f4fe0 ps7\">Debt securities in issue<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16659 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.74pt\"></span></span><span class=\"ps11134\">(965\u00a0795)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16660 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.03pt\"></span></span><span class=\"ps609\">26\u00a0977<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16662 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">(8\u00a0169)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16663 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.06pt\"></span></span><span class=\"ps14425\">(1\u00a0148\u00a0192)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16664 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.52pt\"></span></span><span class=\"ps8355\">35\u00a0145<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16666 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.36pt\"></span></span><span class=\"ps16665\">(34\u00a0924)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1054 ss1942\"><div><div class=\"ps4184 ss356\"><span class=\"f charStyle-2b0f4fe0 ps7\">Subordinated liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16667 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.19pt\"></span></span><span class=\"ps15795\">(707\u00a0997)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16668 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.5pt\"></span></span><span class=\"ps13235\">10\u00a0365<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16669 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.76pt\"></span></span><span class=\"ps11534\">(8\u00a0675)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16671 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.02pt\"></span></span><span class=\"ps16670\">(699\u00a0940)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16672 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.64pt\"></span></span><span class=\"ps13744\">19\u00a0041<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16674 ss1759\"><div><div class=\"ps815 ss1753\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.93pt\"></span></span><span class=\"ps16673\">(12\u00a0089)</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps1058 ss1943\"><div><div class=\"ps2754 ss356\"><span class=\"f charStyle-28dc30fb ps7\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16675 ss1944\"><div><div class=\"ps2754 ss1753\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.85pt\"></span></span><span class=\"ps9416\">(3\u00a0085\u00a0136)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16676 ss1944\"><div><div class=\"ps2754 ss1753\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.15pt\"></span></span><span class=\"ps12149\">(14\u00a0372)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16678 ss1944\"><div><div class=\"ps2754 ss1753\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.4pt\"></span></span><span class=\"ps16677\">11\u00a0261<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16679 ss1944\"><div><div class=\"ps2754 ss1753\"><span class=\"f charStyle-28dc30fb\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.11pt\"></span></span><span class=\"ps15783\">(2\u00a0769\u00a0885)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16680 ss1944\"><div><div class=\"ps2754 ss1753\"><span class=\"f charStyle-28dc30fb\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.14pt\"></span></span><span class=\"ps8414\">(25\u00a0634)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16682 ss1944\"><div><div class=\"ps2754 ss1753\"><span class=\"f charStyle-28dc30fb\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.76pt\"></span></span><span class=\"ps16681\">1\u00a0452<span style=\"display:inline-block;height:7.26pt;width:2.73pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps16687 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-3e468f6d ps14678\"><sup>#</sup></span><span class=\"f charStyle-207fba8f\"><span class=\"ps14679\"><span style=\"display:inline-block;height:5.81pt;width:11.71pt\"></span></span><span class=\"ps968\">Included in 'Change in fair value used to measure hedge ineffectiveness for the year\u2019 is a</span></span><span class=\"f charStyle-207fba8f ps16683\"> \u00a36 million gain (</span><span class=\"f charStyle-207fba8f ps16684\">2025</span><span class=\"f charStyle-207fba8f ps16685\">: \u00a312.5 million gain)</span><span class=\"f charStyle-207fba8f ps16686\"> due to the amortisation subsequent </span></div><div class=\"ps16688 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">to de-designation of accumulated fair value hedge adjustments related to the structural hedging programme undertaken in December 2022. Also included only in the </span></div><div class=\"ps16691 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">prior year is a </span><span class=\"f charStyle-207fba8f ps16689\">\u00a34.6 million loss </span><span class=\"f charStyle-207fba8f ps16690\">relating to the reversal of the cumulative fair value adjustments recognised up to the date of the buyback of debt securities in issue.\u00a0 </span></div><div class=\"ps16693 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">Included in \u2018Cumulative fair value adjustments\u2019 for loans and advances to customers is a</span></span><span class=\"f charStyle-207fba8f ps16692\"> loss of \u00a332 million related to micro hedging activities that have ceased. In </span></div><div class=\"ps16697 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">addition, there is a \u00a31.2 million cumulative loss (</span><span class=\"f charStyle-207fba8f ps16694\">2025</span><span class=\"f charStyle-207fba8f ps16695\">: \u00a36.4 million loss) </span><span class=\"f charStyle-207fba8f ps16696\">for hedged items ceasing to be adjusted for fair value gains or losses related to the structural </span></div><div class=\"ps16698 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">hedging programme.</span></div><div class=\"ps8150 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The changes in the fair value on the hedged item and hedging instruments are included in \u2018balance sheet management and other </span></div><div class=\"ps4858 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">trading income\u2019 in the income statement. These hedges resulted in a net amount of ineffectiveness of a</span><span class=\"f charStyle-33e1c6d6 ps16699\"> loss of \u00a32.2 million (</span><span class=\"f charStyle-33e1c6d6 ps16700\">2025</span><span class=\"f charStyle-33e1c6d6 ps16701\">: </span></div><div class=\"ps4859 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u00a39 million loss).</span></div><div class=\"ps8152 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In circumstances where the hedged item has been de-designated but remains on balance sheet, i.e. as part of the structural </span></div><div class=\"ps8153 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">hedging programme, any accumulated fair value hedge adjustments are recognised in the income statement over the remaining life </span></div><div class=\"ps8191 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of the hedged item. </span></div><div class=\"ps8833 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The following table discloses the average interest rate of the hedging instrument included in the fair value hedging relationships.</span></div><div class=\"ps4865 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">UK </span></div><div class=\"ps16727 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:222.75pt\"></td><td style=\"padding:0;width:63.75pt\"></td><td style=\"padding:0;width:63.75pt\"></td><td style=\"padding:0;width:63.75pt\"></td><td style=\"padding:0;width:63.75pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps2723 ss1945\"><div><div class=\"ps809 ss1215\"><span class=\"f charStyle-a26246ce ps16702\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps16704 ss1946\"><div><div class=\"ps809 ss951\"><span class=\"f charStyle-8d4b9b37 ps16703\">2025<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16706 ss1948\"><div><div class=\"ps1404 ss1947\"><span class=\"f charStyle-a26246ce ps11440\">Average <span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss1947\"><span class=\"f charStyle-a26246ce ps16705\">GBP rate</span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16708 ss1948\"><div><div class=\"ps1404 ss1947\"><span class=\"f charStyle-a26246ce ps16707\">Average foreign <span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss1947\"><span class=\"f charStyle-a26246ce ps15183\">currency rate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16711 ss1948\"><div><div class=\"ps1404 ss1947\"><span class=\"f charStyle-8d4b9b37 ps16709\">Average <span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss1947\"><span class=\"f charStyle-8d4b9b37 ps16710\">GBP rate</span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6717 ss1948\"><div><div class=\"ps1404 ss1947\"><span class=\"f charStyle-8d4b9b37 ps10370\">Average foreign <span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss1947\"><span class=\"f charStyle-8d4b9b37 ps16712\">currency rate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps362 ss609\"><div><div class=\"ps997 ss608\"><span class=\"f charStyle-b7f6e8e5 ps7\">Interest rate swaps \u2013 Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps16714 ss1949\"><div><div class=\"ps997 ss1947\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps16713\"></span><span class=\"ps16713\">3.01%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps16716 ss1949\"><div><div class=\"ps997 ss1947\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps16715\"></span><span class=\"ps16715\">4.05%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps16718 ss1949\"><div><div class=\"ps997 ss1947\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps16717\"></span><span class=\"ps16717\">2.70%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps16719 ss1949\"><div><div class=\"ps997 ss1947\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps15293\"></span><span class=\"ps15293\">2.74%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3453 ss1950\"><div><div class=\"ps815 ss608\"><span class=\"f charStyle-b7f6e8e5 ps7\">Interest rate swaps \u2013 Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16720 ss1951\"><div><div class=\"ps815 ss1947\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps10452\"></span><span class=\"ps10452\">3.52%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16722 ss1951\"><div><div class=\"ps815 ss1947\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps16721\"></span><span class=\"ps16721\">2.39%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16724 ss1951\"><div><div class=\"ps815 ss1947\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps16723\"></span><span class=\"ps16723\">3.72%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16726 ss1951\"><div><div class=\"ps815 ss1947\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps16725\"></span><span class=\"ps16725\">1.72%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps5918 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Cash flow hedges <span class=\"f ps2\"> </span></span></div><div class=\"ps5919 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The change in the benchmark interest rate exposes the Group to cash flow variability risk from both existing and highly probable <span class=\"f ps2\"> </span></span></div><div class=\"ps5920 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">future transactions. During the year the Group entered into interest rate swap transactions to mitigate the cash flow variability risk.<span class=\"f ps2\"> </span></span></div><div class=\"ps5921 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The aggregate expected cash flows were hedged based on cash flow forecasts with reference to terms and conditions present <span class=\"f ps2\"> </span></span></div><div class=\"ps14189 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">in\u00a0the affected contractual arrangements. Changes in fair value were initially recognised in other comprehensive income and </span></div><div class=\"ps14190 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reclassified to the income statement when the cash flows affected the income statement. <span class=\"f ps2\"> </span></span></div><div class=\"ps14191 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Cash flow hedges - Hedging instruments and ineffectiveness</span></div><div class=\"ps16761 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:155.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:48pt\"></td><td style=\"padding:0;width:61.5pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"7\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps16729 ss1953\"><div><div class=\"ps11991 ss1952\"><span class=\"f charStyle-a26246ce ps16728\">2026<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"></td><td rowspan=\"3\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps10539 ss1954\"><div><div class=\"ps16730 ss818\"><span class=\"f charStyle-a26246ce ps14967\">Notional<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16732 ss1955\"><div><div class=\"ps11991 ss43\"><span class=\"f charStyle-a26246ce ps16731\">Carrying Amount<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"3\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16737 ss1956\"><div><div class=\"ps16733 ss1810\"><span class=\"f charStyle-a26246ce ps12494\">Change in fair <span class=\"f ps2\"> </span></span></div><div class=\"ps16734 ss1810\"><span class=\"f charStyle-a26246ce ps15132\">value used to <span class=\"f ps2\"> </span></span></div><div class=\"ps16735 ss1810\"><span class=\"f charStyle-a26246ce ps15928\">calculate hedge <span class=\"f ps2\"> </span></span></div><div class=\"ps16730 ss1810\"><span class=\"f charStyle-a26246ce ps16736\">ineffectiveness<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"3\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14939 ss1957\"><div><div class=\"ps16734 ss936\"><span class=\"f charStyle-a26246ce ps16738\">Gain/(loss) <span class=\"f ps2\"> </span></span></div><div class=\"ps16735 ss936\"><span class=\"f charStyle-a26246ce ps16739\">recognised <span class=\"f ps2\"> </span></span></div><div class=\"ps16730 ss936\"><span class=\"f charStyle-a26246ce ps15346\">in OCI<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"3\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16742 ss1958\"><div><div class=\"ps16733 ss916\"><span class=\"f charStyle-a26246ce ps16740\">Ineffectiveness <span class=\"f ps2\"> </span></span></div><div class=\"ps16734 ss916\"><span class=\"f charStyle-a26246ce ps16741\">(loss) recognised <span class=\"f ps2\"> </span></span></div><div class=\"ps16735 ss916\"><span class=\"f charStyle-a26246ce ps11762\">in the income <span class=\"f ps2\"> </span></span></div><div class=\"ps16730 ss916\"><span class=\"f charStyle-a26246ce ps586\">statement*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:15pt\"><td style=\"padding:0\"><div class=\"ps3422 ss1959\"><div><div class=\"ps3534 ss1029\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16743 ss1960\"><div><div class=\"ps12728 ss818\"><span class=\"f charStyle-a26246ce ps11158\">Asset<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16744 ss1960\"><div><div class=\"ps12728 ss818\"><span class=\"f charStyle-a26246ce ps12866\">Liability<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps3545 ss1606\"><div><div class=\"ps11991 ss1029\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps3551 ss1606\"><div><div class=\"ps2754 ss1029\"><span class=\"f charStyle-b7f6e8e5 ps7\">Interest rate risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss1829\"><div><div class=\"ps815 ss1029\"><span class=\"f charStyle-9458d4de ps7\">Interest rate swaps</span><span class=\"f charStyle-70e7a25b ps16745\"><span class=\"f ps2\"> </span><sup>#</sup></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16746 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.1pt\"></span></span><span class=\"ps15059\">750\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16747 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16748 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.28pt\"></span></span><span class=\"ps9500\">(3\u00a0421)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16750 ss1961\"><div><div class=\"ps815 ss1810\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.05pt\"></span></span><span class=\"ps16749\">(3\u00a0469)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2823 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.14pt\"></span></span><span class=\"ps16751\">(3\u00a0552)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16753 ss1962\"><div><div class=\"ps815 ss916\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:46.24pt\"></span></span><span class=\"ps16752\">83<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16755 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.15pt\"></span></span><span class=\"ps16754\">750\u00a0000<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16756 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.31pt\"></span></span><span class=\"ps2711\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16757 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.61pt\"></span></span><span class=\"ps13238\">(3\u00a0421)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16758 ss1961\"><div><div class=\"ps815 ss1810\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.1pt\"></span></span><span class=\"ps10033\">(3\u00a0469)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2827 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.45pt\"></span></span><span class=\"ps6215\">(3\u00a0552)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16760 ss1962\"><div><div class=\"ps815 ss916\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.17pt\"></span></span><span class=\"ps16759\">83<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps16799 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:154.5pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:48pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"7\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps7922 ss1964\"><div><div class=\"ps11991 ss1963\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps16762\">2025</span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"></td><td rowspan=\"3\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16764 ss1965\"><div><div class=\"ps16763 ss818\"><span class=\"f charStyle-8d4b9b37 ps8347\">Notional<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16765 ss1955\"><div><div class=\"ps11991 ss43\"><span class=\"f charStyle-8d4b9b37 ps15184\">Carrying Amount<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"3\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16773 ss1966\"><div><div class=\"ps16767 ss1810\"><span class=\"f charStyle-8d4b9b37 ps16766\">Change in fair <span class=\"f ps2\"> </span></span></div><div class=\"ps16769 ss1810\"><span class=\"f charStyle-8d4b9b37 ps16768\">value used to <span class=\"f ps2\"> </span></span></div><div class=\"ps16771 ss1810\"><span class=\"f charStyle-8d4b9b37 ps16770\">calculate hedge <span class=\"f ps2\"> </span></span></div><div class=\"ps16763 ss1810\"><span class=\"f charStyle-8d4b9b37 ps16772\">ineffectiveness<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"3\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16776 ss1967\"><div><div class=\"ps16769 ss936\"><span class=\"f charStyle-8d4b9b37 ps16774\">Gain/(loss) <span class=\"f ps2\"> </span></span></div><div class=\"ps16771 ss936\"><span class=\"f charStyle-8d4b9b37 ps16775\">recognised in <span class=\"f ps2\"> </span></span></div><div class=\"ps16763 ss936\"><span class=\"f charStyle-8d4b9b37 ps12145\">OCI<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"3\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16778 ss1966\"><div><div class=\"ps16767 ss1810\"><span class=\"f charStyle-8d4b9b37 ps176\">Ineffectiveness <span class=\"f ps2\"> </span></span></div><div class=\"ps16769 ss1810\"><span class=\"f charStyle-8d4b9b37 ps15725\">(loss) recognised <span class=\"f ps2\"> </span></span></div><div class=\"ps16771 ss1810\"><span class=\"f charStyle-8d4b9b37 ps14275\">in the income <span class=\"f ps2\"> </span></span></div><div class=\"ps16763 ss1810\"><span class=\"f charStyle-8d4b9b37 ps16777\">statement*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:15.75pt\"><td style=\"padding:0\"><div class=\"ps3422 ss1969\"><div><div class=\"ps5939 ss1968\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16780 ss1970\"><div><div class=\"ps16779 ss818\"><span class=\"f charStyle-8d4b9b37 ps16248\">Asset<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16782 ss1970\"><div><div class=\"ps16779 ss818\"><span class=\"f charStyle-8d4b9b37 ps16781\">Liability<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"padding:0\"><div class=\"ps9200 ss1971\"><div><div class=\"ps4014 ss1968\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps830 ss1972\"><div><div class=\"ps2754 ss1968\"><span class=\"f charStyle-b7f6e8e5 ps7\">Interest rate risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4468 ss1973\"><div><div class=\"ps815 ss1968\"><span class=\"f charStyle-9458d4de ps7\">Interest rate swaps</span><span class=\"f charStyle-70e7a25b ps16745\"><span class=\"f ps2\"> </span><sup>#</sup></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16783 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.61pt\"></span></span><span class=\"ps123\">350\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16784 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16785 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.94pt\"></span></span><span class=\"ps2453\">(208)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16786 ss1961\"><div><div class=\"ps815 ss1810\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.02pt\"></span></span><span class=\"ps15454\">(3\u00a0938)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16787 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.01pt\"></span></span><span class=\"ps4125\">(3\u00a0913)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16789 ss1961\"><div><div class=\"ps815 ss1810\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:44.66pt\"></span></span><span class=\"ps16788\">(25)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16790 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.67pt\"></span></span><span class=\"ps1598\">350\u00a0000<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16791 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.31pt\"></span></span><span class=\"ps2711\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16793 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.92pt\"></span></span><span class=\"ps16792\">(208)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16794 ss1961\"><div><div class=\"ps815 ss1810\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.24pt\"></span></span><span class=\"ps433\">(3\u00a0938)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16796 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.27pt\"></span></span><span class=\"ps16795\">(3\u00a0913)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16798 ss1961\"><div><div class=\"ps815 ss1810\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.2pt\"></span></span><span class=\"ps16797\">(25)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps16800 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Hedge ineffectiveness is included in the income statement within trading income arising from balance sheet management and other trading activities.</span></span></div><div class=\"ps16801 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-3e468f6d ps14678\"><sup>#</sup></span><span class=\"f charStyle-207fba8f ps14679\">\u00a0 \u00a0 \u00a0 All included within derivative financial instruments on the balance sheet.</span></div><div class=\"ps16802 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Cash flow hedges - Hedged items </span></div><div class=\"ps16827 ss8\"><div class=\"ss1321 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:272.25pt\"></td><td style=\"padding:0;width:69pt\"></td><td style=\"padding:0;width:69pt\"></td><td style=\"padding:0;width:69pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps16803 ss1975\"><div><div class=\"ps809 ss1974\"><span class=\"f charStyle-a26246ce ps9627\">2026<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:24pt\"><td style=\"padding:0\"><div class=\"ps816 ss1977\"><div><div class=\"ps11114 ss1976\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16805 ss1978\"><div><div class=\"ps8329 ss354\"><span class=\"f charStyle-a26246ce ps11629\">Change in fair value <span class=\"f ps2\"> </span></span></div><div class=\"ps8331 ss354\"><span class=\"f charStyle-a26246ce ps6474\">used for calculating <span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss354\"><span class=\"f charStyle-a26246ce ps16804\">hedge <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss354\"><span class=\"f charStyle-a26246ce ps5727\">ineffectiveness<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16809 ss1978\"><div><div class=\"ps8331 ss354\"><span class=\"f charStyle-a26246ce ps16806\">Balance in reserve <span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss354\"><span class=\"f charStyle-a26246ce ps16807\">for continuing <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss354\"><span class=\"f charStyle-a26246ce ps16808\">hedges<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16811 ss1978\"><div><div class=\"ps8329 ss354\"><span class=\"f charStyle-a26246ce ps16806\">Balance in reserve <span class=\"f ps2\"> </span></span></div><div class=\"ps8331 ss354\"><span class=\"f charStyle-a26246ce ps14215\">where hedge <span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss354\"><span class=\"f charStyle-a26246ce ps16810\">accounting is no <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss354\"><span class=\"f charStyle-a26246ce ps15120\">longer applied<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps824 ss1979\"><div><div class=\"ps809 ss1976\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps830 ss1980\"><div><div class=\"ps997 ss1976\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps16813 ss1981\"><div><div class=\"ps997 ss354\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.73pt\"></span></span><span class=\"ps16812\">3\u00a0552<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps16815 ss1981\"><div><div class=\"ps997 ss354\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.89pt\"></span></span><span class=\"ps16814\">(3\u00a0620)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps16817 ss1981\"><div><div class=\"ps997 ss354\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:51.78pt\"></span></span><span class=\"ps16816\">112<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4003 ss1979\"><div><div class=\"ps815 ss1976\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deposits by banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16819 ss1982\"><div><div class=\"ps815 ss354\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:55.53pt\"></span></span><span class=\"ps16818\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16820 ss1982\"><div><div class=\"ps815 ss354\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:55.53pt\"></span></span><span class=\"ps16818\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16821 ss1982\"><div><div class=\"ps815 ss354\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:55.53pt\"></span></span><span class=\"ps16818\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps4562 ss1979\"><div><div class=\"ps815 ss1976\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total as at 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16823 ss1982\"><div><div class=\"ps815 ss354\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.51pt\"></span></span><span class=\"ps16822\">3\u00a0552<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16824 ss1982\"><div><div class=\"ps815 ss354\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38pt\"></span></span><span class=\"ps11960\">(3\u00a0620)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16826 ss1982\"><div><div class=\"ps815 ss354\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:50.5pt\"></span></span><span class=\"ps16825\">112<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps16846 ss8\"><div class=\"ss1321 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:272.25pt\"></td><td style=\"padding:0;width:69pt\"></td><td style=\"padding:0;width:69pt\"></td><td style=\"padding:0;width:69pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps16803 ss1975\"><div><div class=\"ps809 ss1974\"><span class=\"f charStyle-a26246ce ps16828\">2025<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:24pt\"><td style=\"padding:0\"><div class=\"ps816 ss1977\"><div><div class=\"ps11114 ss1976\"><span class=\"f charStyle-a26246ce ps7\">At 31 March <span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps16805 ss1978\"><div><div class=\"ps8329 ss354\"><span class=\"f charStyle-8d4b9b37 ps7447\">Change in fair value <span class=\"f ps2\"> </span></span></div><div class=\"ps8331 ss354\"><span class=\"f charStyle-8d4b9b37 ps16829\">used for calculating <span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss354\"><span class=\"f charStyle-8d4b9b37 ps16830\">hedge <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss354\"><span class=\"f charStyle-8d4b9b37 ps6215\">ineffectiveness<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps16809 ss1978\"><div><div class=\"ps8331 ss354\"><span class=\"f charStyle-8d4b9b37 ps16831\">Balance in reserve <span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss354\"><span class=\"f charStyle-8d4b9b37 ps9392\">for continuing <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss354\"><span class=\"f charStyle-8d4b9b37 ps16832\">hedges<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps16811 ss1978\"><div><div class=\"ps8329 ss354\"><span class=\"f charStyle-8d4b9b37 ps16831\">Balance in reserve <span class=\"f ps2\"> </span></span></div><div class=\"ps8331 ss354\"><span class=\"f charStyle-8d4b9b37 ps11148\">where hedge <span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss354\"><span class=\"f charStyle-8d4b9b37 ps16833\">accounting is no <span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss354\"><span class=\"f charStyle-8d4b9b37 ps16834\">longer applied<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps824 ss1979\"><div><div class=\"ps809 ss1976\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps830 ss1979\"><div><div class=\"ps815 ss1976\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps16813 ss1982\"><div><div class=\"ps815 ss354\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.37pt\"></span></span><span class=\"ps11178\">3\u00a0632<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps16815 ss1982\"><div><div class=\"ps815 ss354\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:51.29pt\"></span></span><span class=\"ps16835\">(68)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps16817 ss1982\"><div><div class=\"ps815 ss354\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:50.41pt\"></span></span><span class=\"ps16836\">163<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss1979\"><div><div class=\"ps815 ss1976\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deposits by banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16838 ss1982\"><div><div class=\"ps815 ss354\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:50.54pt\"></span></span><span class=\"ps16837\">281<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16839 ss1982\"><div><div class=\"ps815 ss354\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:55.53pt\"></span></span><span class=\"ps16818\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16840 ss1982\"><div><div class=\"ps815 ss354\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.57pt\"></span></span><span class=\"ps15002\">8\u00a0800<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps843 ss1979\"><div><div class=\"ps815 ss1976\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total as at 31 March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16842 ss1982\"><div><div class=\"ps815 ss354\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.33pt\"></span></span><span class=\"ps16841\">3\u00a0913<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16844 ss1982\"><div><div class=\"ps815 ss354\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.6pt\"></span></span><span class=\"ps16843\">(68)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16845 ss1982\"><div><div class=\"ps815 ss354\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.04pt\"></span></span><span class=\"ps3546\">8\u00a0963<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">47<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16271\">. </span><span class=\"f charStyle-f6a3ab10 ps16273\">Hedges</span><span class=\"f charStyle-f6a3ab10 ps16378\"> (continued)</span></div><div class=\"ps5918 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Impact of cash flow hedges on profit and loss and other comprehensive income<span id=\"i1f51e261b00c41a8bf6869a3b29c9a60_1070\"></span></span></div><div class=\"ps8491 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:345pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:66.75pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps16848 ss1983\"><div><div class=\"ps11991 ss27\"><span class=\"f charStyle-a26246ce ps12473\">Income/(Expense)<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps3419 ss1985\"><div><div class=\"ps11991 ss1984\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16849 ss1986\"><div><div class=\"ps4787 ss1682\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps12054\">2026</span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16851 ss1987\"><div><div class=\"ps4787 ss1918\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps16850\">2025</span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3422 ss1988\"><div><div class=\"ps4014 ss1984\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps362 ss1989\"><div><div class=\"ps997 ss1984\"><span class=\"f charStyle-b7f6e8e5 ps7\">Cash flow hedge reserve balance as at 1 April<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps16853 ss1686\"><div><div class=\"ps997 ss1682\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.61pt\"></span></span><span class=\"ps16852\">6\u00a0405<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps16855 ss1923\"><div><div class=\"ps997 ss1918\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.29pt\"></span></span><span class=\"ps16854\">17\u00a0664<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3453 ss1990\"><div><div class=\"ps815 ss1984\"><span class=\"f charStyle-2b0f4fe0 ps7\">Net impact on other comprehensive income:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16856 ss1683\"><div><div class=\"ps815 ss1682\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.14pt\"></span></span><span class=\"ps4270\">(8\u00a0931)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16857 ss1924\"><div><div class=\"ps815 ss1918\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.81pt\"></span></span><span class=\"ps12423\">(11\u00a0259)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps3458 ss1991\"><div><div class=\"ps2754 ss1984\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Adjustment recognised in other comprehensive income on effective portion of changes in <span class=\"f ps2\"> </span></span></div><div class=\"ps8671 ss1984\"><span class=\"f charStyle-2b0f4fe0 ps1864\">fair value of hedging instruments</span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16859 ss1992\"><div><div class=\"ps8671 ss1682\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.14pt\"></span></span><span class=\"ps16858\">(3\u00a0552)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps16861 ss1993\"><div><div class=\"ps8671 ss1918\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.76pt\"></span></span><span class=\"ps16860\">(3\u00a0913)</span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps3527 ss1994\"><div><div class=\"ps815 ss1984\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Gain reclassified to income statement when hedged item affected net profit for de-<span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1984\"><span class=\"f charStyle-2b0f4fe0 ps1864\">designated relationships<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps16863 ss1986\"><div><div class=\"ps469 ss1682\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.15pt\"></span></span><span class=\"ps16862\">(8\u00a0852)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16864 ss1987\"><div><div class=\"ps469 ss1918\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.93pt\"></span></span><span class=\"ps16721\">(11\u00a0724)</span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps3612 ss1990\"><div><div class=\"ps815 ss1984\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Taxation charge relating to cash flow hedges<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps16866 ss1683\"><div><div class=\"ps815 ss1682\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.6pt\"></span></span><span class=\"ps16865\">3\u00a0473<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16868 ss1924\"><div><div class=\"ps815 ss1918\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.48pt\"></span></span><span class=\"ps16867\">4\u00a0378<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps3617 ss1990\"><div><div class=\"ps815 ss1984\"><span class=\"f charStyle-b7f6e8e5 ps7\">Cash flow hedge reserve balance as at 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16869 ss1683\"><div><div class=\"ps815 ss1682\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.55pt\"></span></span><span class=\"ps946\">(2\u00a0526)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16870 ss1924\"><div><div class=\"ps815 ss1918\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.56pt\"></span></span><span class=\"ps12034\">6\u00a0405<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4577 ss1990\"><div><div class=\"ps815 ss1984\"><span class=\"f charStyle-b7f6e8e5 ps7\">Closing balance is comprised of:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1361 ss1990\"><div><div class=\"ps815 ss1984\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cash flow hedge reserve before taxation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16872 ss1683\"><div><div class=\"ps815 ss1682\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.99pt\"></span></span><span class=\"ps16871\">(3\u00a0508)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16874 ss1924\"><div><div class=\"ps815 ss1918\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.38pt\"></span></span><span class=\"ps16873\">8\u00a0896<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13728 ss1990\"><div><div class=\"ps815 ss1984\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deferred taxation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16876 ss1683\"><div><div class=\"ps815 ss1682\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:46.31pt\"></span></span><span class=\"ps16875\">982<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16878 ss1924\"><div><div class=\"ps815 ss1918\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.92pt\"></span></span><span class=\"ps16877\">(2\u00a0491)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps4687 ss1990\"><div><div class=\"ps815 ss1984\"><span class=\"f charStyle-b7f6e8e5 ps7\">Cash flow hedge reserve as at 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16879 ss1683\"><div><div class=\"ps815 ss1682\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.55pt\"></span></span><span class=\"ps946\">(2\u00a0526)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16880 ss1924\"><div><div class=\"ps815 ss1918\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.56pt\"></span></span><span class=\"ps12034\">6\u00a0405<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps16881 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Cash flow hedges - Maturity analysis of hedging instruments</span></div><div class=\"ps16905 ss8\"><div class=\"ss1718 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:55.5pt\"></td><td style=\"padding:0;width:55.5pt\"></td></tr><tr style=\"height:15pt\"><td style=\"padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16885 ss1641\"><div><div class=\"ps11288 ss1335\"><span class=\"f charStyle-a26246ce ps16882\">Up to one <span class=\"f ps2\"> </span></span></div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-a26246ce ps16883\">month to six <span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-a26246ce ps16884\">months<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12364 ss1641\"><div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-a26246ce ps16886\">Six months to <span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-a26246ce ps16887\">one year<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12405 ss1641\"><div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-a26246ce ps13254\">One to five <span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-a26246ce ps16888\">years<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16890 ss1641\"><div><div class=\"ps11283 ss1335\"><span class=\"f charStyle-a26246ce ps9281\">Greater than <span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-a26246ce ps16889\">five years<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16892 ss1641\"><div><div class=\"ps11284 ss1335\"><span class=\"f charStyle-a26246ce ps16891\">Total<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3538 ss1013\"><div><div class=\"ps1404 ss969\"><span class=\"f charStyle-ef17fa27 ps7\">At 31 March<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss969\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps11452 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-b7f6e8e5 ps7\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1202 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-b7f6e8e5 ps7\">Asset hedging - Notionals<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps4468 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16893 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.03pt\"></span></span><span class=\"ps12090\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11295 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.72pt\"></span></span><span class=\"ps16894\">300\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16896 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.88pt\"></span></span><span class=\"ps16895\">450\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16897 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.03pt\"></span></span><span class=\"ps12090\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps16898 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.35pt\"></span></span><span class=\"ps11138\">750\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps4084 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-b7f6e8e5 ps7\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4676 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-b7f6e8e5 ps7\">Asset hedging - Notionals<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3327 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16899 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.03pt\"></span></span><span class=\"ps12090\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16900 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.03pt\"></span></span><span class=\"ps12090\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16902 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.86pt\"></span></span><span class=\"ps16901\">350\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16903 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.03pt\"></span></span><span class=\"ps12090\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16904 ss1645\"><div><div class=\"ps815 ss1335\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.86pt\"></span></span><span class=\"ps16901\">350\u00a0000<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps16906 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">During the current financial year, forecasted future cash flows that were hedge accounted in previous periods are now no longer </span></div><div class=\"ps16907 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">expected to occur due to the repayment of our BOE TFSME. As a result of this, \u00a37.7 million has been reclassified to the income </span></div><div class=\"ps16908 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">statement, and is included in the \u00a38.9 million release above.</span></div><div class=\"ps16909 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The following tables disclose the average interest rate of the hedging instrument included in the cash flow hedging relationships.</span></div><div class=\"ps16910 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">UK</span></div><div class=\"ps16918 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:353.25pt\"></td><td style=\"padding:0;width:63.75pt\"></td><td style=\"padding:0;width:63.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2464 ss1949\"><div><div class=\"ps8543 ss1947\"><span class=\"f charStyle-a26246ce ps12255\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16912 ss1949\"><div><div class=\"ps8543 ss1947\"><span class=\"f charStyle-8d4b9b37 ps16911\">2025<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16913 ss1996\"><div><div class=\"ps4014 ss1947\"><span class=\"f charStyle-a26246ce ps8334\">Average GBP rate <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16915 ss1996\"><div><div class=\"ps4014 ss1947\"><span class=\"f charStyle-8d4b9b37 ps16914\">Average GBP rate <span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps817 ss1998\"><div><div class=\"ps997 ss1997\"><span class=\"f charStyle-b7f6e8e5 ps7\">Interest rate swaps<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps16916 ss1949\"><div><div class=\"ps997 ss1947\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps16723\"></span><span class=\"ps16723\">3.97%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps16917 ss1949\"><div><div class=\"ps997 ss1947\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps10452\"></span><span class=\"ps10452\">3.95%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps16919 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Hedges of net investments</span></div><div class=\"ps16920 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In the current year, the Group implemented hedging of its net investment in Investec Continental Europe Advisory (previously </span></div>Capitalmind), resulting in an additional balance of \u00a32.1 million debit in the foreign currency reserve.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDerivativeFinancialInstrumentsExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-927": {
   "value": "<div class=\"ps24 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:14.26pt\">22<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps14927\" style=\"width:3.31pt\">.<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps14928\" style=\"width:2.55pt\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps14929\" style=\"width:220.65pt\">Securities arising from trading activities<span class=\"f ps2\"> </span></span></div><div class=\"ps72 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps9195\">2025</span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Listed equities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps12462 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.3pt\"></span></span><span class=\"ps9455\">44\u00a0723<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps12463 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.1pt\"></span></span><span class=\"ps9457\">149\u00a0912<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14747 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.8pt\"></span></span><span class=\"ps9192\">44\u00a0723<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14748 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.04pt\"></span></span><span class=\"ps14758\">149\u00a0912<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialAssetsHeldForTradingExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-926": {
   "value": "<div class=\"ps24 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:14.26pt\">22<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps14927\" style=\"width:3.31pt\">.<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps14928\" style=\"width:2.55pt\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps14929\" style=\"width:220.65pt\">Securities arising from trading activities<span class=\"f ps2\"> </span></span></div><div class=\"ps72 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps9195\">2025</span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Listed equities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps12462 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.3pt\"></span></span><span class=\"ps9455\">44\u00a0723<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps12463 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.1pt\"></span></span><span class=\"ps9457\">149\u00a0912<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14747 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.8pt\"></span></span><span class=\"ps9192\">44\u00a0723<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14748 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.04pt\"></span></span><span class=\"ps14758\">149\u00a0912<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps15660 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">32<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps14931\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps14932\">Other trading liabilities<span class=\"f ps2\"> </span></span></div><div class=\"ps15662 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-a26246ce ps7\">At 31 March <span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-8d4b9b37 ps9195\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss1651\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Short positions<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps824 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">\u2013 Equities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2818 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.41pt\"></span></span><span class=\"ps9239\">19\u00a0409<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2819 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.44pt\"></span></span><span class=\"ps9527\">16\u00a0242<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12261 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.27pt\"></span></span><span class=\"ps15661\">19\u00a0409<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12263 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.94pt\"></span></span><span class=\"ps13985\">16\u00a0242<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsHeldForTradingExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-928": {
   "value": "<div class=\"ps14933 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:14.6pt\">23<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps14931\" style=\"width:5.86pt\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps14932\" style=\"width:112.56pt\">Investment portfolio<span class=\"f ps2\"> </span></span></div><div class=\"ps14937 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss1665\"><div><div class=\"ps14934 ss651\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1528\"><div><div class=\"ps4787 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1528\"><div><div class=\"ps4787 ss114\"><span class=\"f charStyle-8d4b9b37 ps9195\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3419 ss1664\"><div><div class=\"ps14733 ss651\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps471 ss1651\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Listed equities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps12256 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.07pt\"></span></span><span class=\"ps9449\">211\u00a0543<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps2481 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.19pt\"></span></span><span class=\"ps14935\">135\u00a0196<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11452 ss652\"><div><div class=\"ps4184 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Unlisted equities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12258 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.96pt\"></span></span><span class=\"ps13444\">199\u00a0413<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12259 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.73pt\"></span></span><span class=\"ps14936\">212\u00a0394<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1202 ss652\"><div><div class=\"ps4184 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Profit shares<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12261 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.52pt\"></span></span><span class=\"ps14798\">3\u00a0424<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12263 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11297 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.2pt\"></span></span><span class=\"ps9975\">414\u00a0380<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11298 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.66pt\"></span></span><span class=\"ps10063\">347\u00a0590<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps14942 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Equity instruments at FVOCI (included in listed equities)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps3419 ss1665\"><div><div class=\"ps14934 ss651\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14939 ss1528\"><div><div class=\"ps4787 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14940 ss1528\"><div><div class=\"ps4787 ss114\"><span class=\"f charStyle-8d4b9b37 ps9195\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3422 ss1664\"><div><div class=\"ps14733 ss651\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps362 ss1651\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Ninety One plc shares<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"><div class=\"ps3453 ss1651\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Carrying value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9665 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.21pt\"></span></span><span class=\"ps12930\">211\u00a0542<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps8573 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.42pt\"></span></span><span class=\"ps13216\">134\u00a0330<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps4561 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Dividends recognised<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11814 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.11pt\"></span></span><span class=\"ps14826\">11\u00a0907<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps11815 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.23pt\"></span></span><span class=\"ps14941\">10\u00a0977<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInvestmentsOtherThanInvestmentsAccountedForUsingEquityMethodExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-929": {
   "value": "<div class=\"ps14945 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:14.81pt\">24<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps14943\" style=\"width:5.86pt\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps14944\" style=\"width:356.34pt\">Loans and advances to customers and other loans and advances<span class=\"f ps2\"> </span></span></div><div class=\"ps14969 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps14732 ss651\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-8d4b9b37 ps14946\">2025^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss1651\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Gross loans and advances to customers at amortised cost<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps12462 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.18pt\"></span></span><span class=\"ps14947\">14\u00a0515\u00a0528<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps12463 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.81pt\"></span></span><span class=\"ps14948\">14\u00a0390\u00a0276<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps824 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-9458d4de ps7\">Gross loans and advances to customers at FVOCI<span class=\"f ps2\"> </span></span><span class=\"f charStyle-70e7a25b ps14949\"><span class=\"f ps2\"> </span><sup>^</sup></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps2818 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.42pt\"></span></span><span class=\"ps11196\">2\u00a0686\u00a0156<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps2819 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.87pt\"></span></span><span class=\"ps10534\">2\u00a0027\u00a0975<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps830 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Gross loans and advances to customers subject to expected credit losses<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2820 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.69pt\"></span></span><span class=\"ps14950\">17\u00a0201\u00a0684<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps2821 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.81pt\"></span></span><span class=\"ps14948\">16\u00a0418\u00a0251<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-9458d4de ps7\">Expected credit losses on loans and advances to customers at amortised cost and FVOCI<span class=\"f ps2\"> </span></span><span class=\"f charStyle-70e7a25b ps14951\"><sup>^</sup></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps2823 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.29pt\"></span></span><span class=\"ps10290\">(207\u00a0030)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps2825 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.73pt\"></span></span><span class=\"ps14952\">(176\u00a0458)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps843 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-13225c7c ps7\">Net loans and advances to customers at amortised cost and FVOCI<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2827 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:4.89pt\"></span></span><span class=\"ps14953\">16\u00a0994\u00a0654<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps2829 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.91pt\"></span></span><span class=\"ps14954\">16\u00a0241\u00a0793<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps849 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Loans and advances to customers at fair value through profit and loss<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2830 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.17pt\"></span></span><span class=\"ps9309\">808\u00a0999<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2831 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.5pt\"></span></span><span class=\"ps14955\">571\u00a0929<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps853 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps11957 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.45pt\"></span></span><span class=\"ps14956\">17\u00a0803\u00a0653<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11894 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.05pt\"></span></span><span class=\"ps14957\">16\u00a0813\u00a0723<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3328 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Gross other loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14959 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.98pt\"></span></span><span class=\"ps14958\">114\u00a0462<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14960 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.08pt\"></span></span><span class=\"ps9472\">139\u00a0221<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1026 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Expected credit losses on other loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14962 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.43pt\"></span></span><span class=\"ps14961\">(24)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14964 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.12pt\"></span></span><span class=\"ps14963\">(9)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps1027 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net other loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14966 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.69pt\"></span></span><span class=\"ps14965\">114\u00a0438<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14968 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.41pt\"></span></span><span class=\"ps14967\">139\u00a0212<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps14970 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">Gross and ECL figures have been re-presented to include interest in suspense of \u00a311.6 million and ECL held against financial assets held at FVOCI of \u00a322.6 million, </span></span></div><div class=\"ps14971 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">previously disclosed separately. </span></div><div class=\"ps14980 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">For further analysis on loans and advances for the Group, refer to <span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps14973\">pages</span><span class=\"f charStyle-2bfb2495 ps14974\"> </span><span class=\"f charStyle-4cea0f20 ps14975\"><a class=\"Hyperlink\" href=\"#iccba24ea0cd14a1fbe74568356c33a8e_424\" style=\"z-index:1\">167</a><span class=\"f ps2\"> </span></span><span class=\"f charStyle-f835ea38 ps14976\"> </span><span class=\"f charStyle-2bfb2495 ps14977\">to <span class=\"f ps2\"> </span></span><span class=\"f charStyle-4cea0f20 ps14978\"><a class=\"Hyperlink\" href=\"#i91b264f798f74674a4826bdb70aa144f_1666\" style=\"z-index:1\">173</a><span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps14979\"> in the notes to risk and capital <span class=\"f ps2\"> </span></span></div><div class=\"ps14981 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">management.<span class=\"f ps2\"> </span></span></div><div class=\"ps72 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:424.5pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss1863\"><div><div class=\"ps809 ss1862\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1864\"><div><div class=\"ps4014 ss1862\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss1865\"><div><div class=\"ps997 ss1862\"><span class=\"f charStyle-13225c7c ps7\">Expected credit losses on loans and advances to customers at amortised cost</span><span class=\"f charStyle-19493eb4 ps14984\"><span class=\"f ps2\"> </span><sup>^</sup></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps824 ss1863\"><div><div class=\"ps815 ss1862\" style=\"font-size:12pt\"><span class=\"f charStyle-13225c7c ps7\">Balance as at 1 April </span><span class=\"f charStyle-13225c7c ps13501\">2024<span class=\"f ps2\"> </span></span><span class=\"f charStyle-13225c7c ps14985\">^</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps2819 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.55pt\"></span></span><span class=\"ps14986\">192\u00a0460<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps830 ss1863\"><div><div class=\"ps815 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">Charge to the income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps2821 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.67pt\"></span></span><span class=\"ps11144\">97\u00a0286<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss1863\"><div><div class=\"ps815 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">Reversals and recoveries recognised in the income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps2825 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.47pt\"></span></span><span class=\"ps14987\">(7)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps843 ss1863\"><div><div class=\"ps815 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">Write-offs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps2829 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.94pt\"></span></span><span class=\"ps14362\">(118\u00a0207)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps849 ss1863\"><div><div class=\"ps815 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">Exchange adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps2831 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.88pt\"></span></span><span class=\"ps14988\">(1\u00a0615)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps853 ss1863\"><div><div class=\"ps815 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">Accrual of suspended interest<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11894 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.12pt\"></span></span><span class=\"ps12788\">6\u00a0541<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps858 ss1863\"><div><div class=\"ps815 ss1862\" style=\"font-size:12pt\"><span class=\"f charStyle-13225c7c ps7\">Balance as at </span><span class=\"f charStyle-13225c7c ps13590\">31 March 2025</span><span class=\"f charStyle-13225c7c ps14989\">^</span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11900 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.14pt\"></span></span><span class=\"ps11498\">176\u00a0458<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps863 ss1863\"><div><div class=\"ps815 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">Charge to the income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11964 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.2pt\"></span></span><span class=\"ps9977\">96\u00a0849<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps368 ss1863\"><div><div class=\"ps815 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">Reversals and recoveries recognised in the income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11966 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.98pt\"></span></span><span class=\"ps11132\">(266)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14559 ss1863\"><div><div class=\"ps815 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">Write-offs<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14990 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.66pt\"></span></span><span class=\"ps10165\">(71\u00a0897)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps871 ss1863\"><div><div class=\"ps815 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">Exchange adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14992 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.43pt\"></span></span><span class=\"ps14991\">(875)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps872 ss1863\"><div><div class=\"ps815 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">Accrual of suspended interest<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14993 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.48pt\"></span></span><span class=\"ps10135\">6\u00a0761<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps879 ss1863\"><div><div class=\"ps815 ss1862\" style=\"font-size:12pt\"><span class=\"f charStyle-13225c7c ps7\">Balance as at </span><span class=\"f charStyle-13225c7c ps13590\">31 March 2026</span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14994 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.48pt\"></span></span><span class=\"ps14745\">207\u00a0030<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps886 ss1863\"><div><div class=\"ps815 ss1862\"><span class=\"f charStyle-b7f6e8e5 ps7\">Expected credit loss on other loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps893 ss1863\"><div><div class=\"ps815 ss1862\" style=\"font-size:12pt\"><span class=\"f charStyle-13225c7c ps7\">Balance as at 1 April </span><span class=\"f charStyle-13225c7c ps13501\">2024<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14996 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.42pt\"></span></span><span class=\"ps14995\">12<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps898 ss1863\"><div><div class=\"ps815 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">Charge to the income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14997 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.71pt\"></span></span><span class=\"ps11427\">6<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps905 ss1863\"><div><div class=\"ps815 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">Exchange adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14998 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.12pt\"></span></span><span class=\"ps14963\">(9)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps910 ss1863\"><div><div class=\"ps815 ss1862\" style=\"font-size:12pt\"><span class=\"f charStyle-13225c7c ps7\">Balance as at </span><span class=\"f charStyle-13225c7c ps13590\">31 March 2025</span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15000 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.86pt\"></span></span><span class=\"ps14999\">9<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps915 ss1863\"><div><div class=\"ps815 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">Charge to the income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15001 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.37pt\"></span></span><span class=\"ps11795\">12<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps920 ss1863\"><div><div class=\"ps815 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">Exchange adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15003 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.57pt\"></span></span><span class=\"ps15002\">3<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps925 ss1863\"><div><div class=\"ps815 ss1862\" style=\"font-size:12pt\"><span class=\"f charStyle-13225c7c ps7\">Balance as at </span><span class=\"f charStyle-13225c7c ps13590\">31 March 2026</span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15005 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.01pt\"></span></span><span class=\"ps15004\">24<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps15009 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span></span><span class=\"f charStyle-207fba8f ps968\">ECL figures have been </span><span class=\"f charStyle-207fba8f ps15006\">re-presented</span><span class=\"f charStyle-207fba8f ps15007\"> to inclu</span><span class=\"f charStyle-207fba8f ps15008\">de interest in suspense of \u00a311.6 million at 31 March 2025 and \u00a35 million at 1 April 2024 and ECL held against financial </span></div><div class=\"ps15011 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">assets held at FVOCI of \u00a322.6 million at 31 March 2025 and \u00a313.3 million at 1 April 2024</span><span class=\"f charStyle-207fba8f ps15010\">. </span></div><div class=\"ps15015 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Of the amounts written off in the current period within the Group, </span><span class=\"f charStyle-33e1c6d6 ps15012\">\u00a35.2 milli<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps15013\">on is subject to enforcement activity at the year end (<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps15014\">31 <span class=\"f ps2\"> </span></span></div><span class=\"f charStyle-33e1c6d6 ps23\">March 2025<span class=\"f ps2\"> </span></span>: \u00a36.8 million).",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLoansAndAdvancesToCustomersExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-933": {
   "value": "<div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_307\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:14.43pt\">25<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15021\" style=\"width:5.86pt\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15022\" style=\"width:348.01pt\">Interests in associated undertakings and joint venture holdings<span class=\"f ps2\"> </span></span></div><div class=\"ps72 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss1718 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:369.75pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss1871\"><div><div class=\"ps809 ss1870\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14632 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15023 ss1872\"><div><div class=\"ps11070 ss1310\"><span class=\"f charStyle-8d4b9b37 ps1118\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1873\"><div><div class=\"ps4014 ss1870\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interests in associated undertakings and joint venture holdings consist of:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3425 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Net asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15024 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.14pt\"></span></span><span class=\"ps11498\">244\u00a0443<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15026 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.33pt\"></span></span><span class=\"ps15025\">225\u00a0068<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps6433 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Goodwill and intangibles within the carrying value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15027 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.84pt\"></span></span><span class=\"ps14816\">607\u00a0424<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15029 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.76pt\"></span></span><span class=\"ps15028\">607\u00a0073<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14752 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-b7f6e8e5 ps7\">Investment in associated undertakings and joint venture holdings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps15030 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.27pt\"></span></span><span class=\"ps4137\">851\u00a0867<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15031 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.55pt\"></span></span><span class=\"ps14986\">832\u00a0141<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14755 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Associated undertakings and joint venture holdings comprise listed and unlisted investments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4015 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-b7f6e8e5 ps7\">Analysis of the movement in our share of net assets:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps338 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15032 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.83pt\"></span></span><span class=\"ps11699\">225\u00a0068<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15033 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.55pt\"></span></span><span class=\"ps14986\">202\u00a0735<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4656 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Exchange adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15034 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.16pt\"></span></span><span class=\"ps11882\">(4\u00a0134)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15036 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.35pt\"></span></span><span class=\"ps15035\">(864)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9375 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Rathbones measurement period finalisation^^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15037 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15038 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.66pt\"></span></span><span class=\"ps12188\">53\u00a0369<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4478 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Change in shareholding<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15040 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.73pt\"></span></span><span class=\"ps15039\">(7\u00a0580)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15041 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps328 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Disposals<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15042 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.65pt\"></span></span><span class=\"ps12208\">(1\u00a0952)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15043 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15044 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Transfer from investment portfolio^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15045 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15047 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.14pt\"></span></span><span class=\"ps15046\">27\u00a0835<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15048 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Acquisitions of intangibles within associates<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15049 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.11pt\"></span></span><span class=\"ps12308\">(8\u00a0171)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15050 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4485 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Share of post-taxation profits of associates and joint venture holdings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15052 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.74pt\"></span></span><span class=\"ps15051\">75\u00a0331<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15054 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.78pt\"></span></span><span class=\"ps15053\">47\u00a0233<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1617 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Share of other comprehensive income and equity of associates and joint venture holdings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15055 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.57pt\"></span></span><span class=\"ps12177\">7\u00a0907<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15056 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.58pt\"></span></span><span class=\"ps12643\">(12\u00a0252)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2541 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Dividends received<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15057 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.59pt\"></span></span><span class=\"ps4132\">(42\u00a0026)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15058 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.22pt\"></span></span><span class=\"ps11385\">(92\u00a0988)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps2392 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-b7f6e8e5 ps7\">At the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps15060 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.1pt\"></span></span><span class=\"ps15059\">244\u00a0443<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15061 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.25pt\"></span></span><span class=\"ps136\">225\u00a0068<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2396 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-b7f6e8e5 ps7\">Analysis of the movement in goodwill and intangibles:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#FFFFFF;padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8900 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15063 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.26pt\"></span></span><span class=\"ps15062\">607\u00a0073<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15065 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.59pt\"></span></span><span class=\"ps15064\">654\u00a0512<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4714 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Exchange adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15066 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.95pt\"></span></span><span class=\"ps11334\">(352)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15068 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.69pt\"></span></span><span class=\"ps15067\">(188)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8902 ss1871\"><div><div class=\"ps815 ss1870\" style=\"font-size:12pt\"><span class=\"f charStyle-9458d4de ps7\">Rathbones measurement period finalisation^^</span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15069 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15070 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.67pt\"></span></span><span class=\"ps11376\">(47\u00a0601)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12290 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Change in shareholding<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15071 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.32pt\"></span></span><span class=\"ps14101\">7\u00a0580<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15072 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1634 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Acquisitions of intangibles within associates<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15073 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.7pt\"></span></span><span class=\"ps11183\">8\u00a0171<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15074 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps61 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Transfer from investment portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15075 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15076 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.4pt\"></span></span><span class=\"ps9248\">6\u00a0662<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15077 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Share of post-taxation amortisation of acquired intangibles of associates<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15078 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.92pt\"></span></span><span class=\"ps9246\">(15\u00a0048)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15079 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.9pt\"></span></span><span class=\"ps14763\">(6\u00a0312)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15080 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-b7f6e8e5 ps7\">At the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15082 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.63pt\"></span></span><span class=\"ps15081\">607\u00a0424<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15084 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.45pt\"></span></span><span class=\"ps15083\">607\u00a0073<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps15085 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^ <span style=\"display:inline-block;height:5.81pt;width:9.82pt\"></span></span><span class=\"ps968\">Historically, Investec Capital Services (India) Pvt Ltd (ICSI) has been a joint venture, accounted for at fair value and presented within the investment portfolio. As a </span></span></div><div class=\"ps15086 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">result of a change in strategy in relation to the investments in the prior year, it was determined that it was no longer appropriate to apply fair value accounting. The </span></div><div class=\"ps15087 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">investment has therefore been equity accounted from the date of this change.</span></div><div class=\"ps15088 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^^<span style=\"display:inline-block;height:5.81pt;width:8.83pt\"></span></span><span class=\"ps968\">Following the acquisition of Rathbones, the Group finalised the purchase price allocation in the prior year. The acquisition date fair values of identifiable assets, </span></span></div><div class=\"ps15089 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">liabilities, and contingent liabilities were assessed and allocated appropriately to intangible assets with the residual value being recognised as goodwill. This process </span></div><div class=\"ps15090 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">resulted in an increase in net assets of \u00a353.4 million and a decrease in goodwill and intangibles of \u00a347.6 million. As the impact on the financial statements was </span></div><div class=\"ps15091 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">immaterial, these were adjusted for prospectively in the prior year.</span></div></div><div class=\"ps24 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:14.43pt\">25</span><span class=\"f charStyle-f6a3ab10 ps15021\" style=\"width:5.86pt\">. </span><span class=\"f charStyle-f6a3ab10 ps15022\" style=\"width:348.01pt\">Interests in associated undertakings and joint venture holdings</span><span class=\"f charStyle-f6a3ab10 ps15095\" style=\"width:67.74pt\"> (continued)</span></div><div class=\"ps72 ss8\"><div class=\"ss275 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:375.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13839 ss1874\"><div><div class=\"ps809 ss43\"><span class=\"f charStyle-a26246ce ps11537\">Rathbones Group plc<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15096 ss929\"><div><div class=\"ps809 ss818\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps11465\">2026</span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15097 ss929\"><div><div class=\"ps809 ss818\"><span class=\"f charStyle-8d4b9b37 ps4194\">2025<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps817 ss1876\"><div><div class=\"ps997 ss1875\"><span class=\"f charStyle-b7f6e8e5 ps7\">Details of material associated undertakings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9200 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-b7f6e8e5 ps7\">Summarised financial information (\u00a3\u2019000):<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9204 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-2b0f4fe0 ps7\">Operating income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15098 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.33pt\"></span></span><span class=\"ps128\">923\u00a0304<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15099 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.31pt\"></span></span><span class=\"ps8585\">895\u00a0875<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4003 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-2b0f4fe0 ps7\">Profit after taxation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15100 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.29pt\"></span></span><span class=\"ps9311\">112\u00a0337<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15102 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.29pt\"></span></span><span class=\"ps15101\">65\u00a0398<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4562 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other comprehensive income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15104 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.13pt\"></span></span><span class=\"ps15103\">68<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15106 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.01pt\"></span></span><span class=\"ps15105\">(7\u00a0967)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9218 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-2b0f4fe0 ps7\">Total comprehensive income after non-controlling interests<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15107 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.18pt\"></span></span><span class=\"ps2227\">112\u00a0405<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15108 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.76pt\"></span></span><span class=\"ps9988\">57\u00a0431<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps220 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-2b0f4fe0 ps7\">Total assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15109 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.64pt\"></span></span><span class=\"ps3444\">5\u00a0217\u00a0232<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15111 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.65pt\"></span></span><span class=\"ps15110\">4\u00a0290\u00a0034<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9234 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-2b0f4fe0 ps7\">Total liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15113 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.02pt\"></span></span><span class=\"ps15112\">3\u00a0865\u00a0209<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15115 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.27pt\"></span></span><span class=\"ps15114\">2\u00a0930\u00a0672<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9241 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps15117 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.37pt\"></span></span><span class=\"ps15116\">1\u00a0352\u00a0023<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15119 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.35pt\"></span></span><span class=\"ps15118\">1\u00a0359\u00a0362<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9245 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-2b0f4fe0 ps7\">Effective interest in issued share capital<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15121 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps15120\">43.23%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15123 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps15122\">41.25%<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3337 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-2b0f4fe0 ps7\">Our share of net asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13908 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.58pt\"></span></span><span class=\"ps15124\">584\u00a0480<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13910 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.4pt\"></span></span><span class=\"ps9295\">560\u00a0737<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9254 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-2b0f4fe0 ps7\">Less: Goodwill and intangibles net of deferred tax per Rathbones<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15126 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.82pt\"></span></span><span class=\"ps15125\">(375\u00a0851)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15127 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.87pt\"></span></span><span class=\"ps10534\">(368\u00a0604)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps289 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-2b0f4fe0 ps7\">Add: Goodwill and Investec\u2019s share of intangible assets net of deferred tax<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15128 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.02pt\"></span></span><span class=\"ps11741\">601\u00a0301<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15130 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.81pt\"></span></span><span class=\"ps15129\">600\u00a0599<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8433 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-9458d4de ps7\">Carrying value of interest \u2013 equity method</span><span class=\"f charStyle-70e7a25b ps15131\"><span class=\"f ps2\"> </span><sup>^</sup></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15133 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.55pt\"></span></span><span class=\"ps15132\">809\u00a0930<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15135 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.32pt\"></span></span><span class=\"ps15134\">792\u00a0732<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps6660 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-b7f6e8e5 ps7\">Fair value of investment\u00a0 in Rathbones Group<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15136 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.68pt\"></span></span><span class=\"ps8554\">886\u00a0313<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15138 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.12pt\"></span></span><span class=\"ps15137\">692\u00a0126<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps15139 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^ <span style=\"display:inline-block;height:5.81pt;width:9.82pt\"></span></span><span class=\"ps968\">The difference between the carrying value of Rathbones and the net asset value relates to intangible assets, and goodwill that was recognised in the carrying value as </span></span></div><div class=\"ps15140 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">a direct result of the fair value exceeding the fair value of the identifiable assets at acquisition date.</span></div><div class=\"ps15142 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-1c646849 ps23\">Rathbones has a statutory year end of 31 December and the Group recognises its share of earnings on a three months in arrears basis due to the </span></div><div class=\"ps15143 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-1c646849 ps23\">difference in reporting dates between Rathbones and the Group. The financial information presented above aligns with this reporting date. Our </span></div><div class=\"ps15144 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-1c646849 ps23\">share of profit of associates for the current financial year was based on an average effective 43.15% for the year. The year end effective holding </span></div><div class=\"ps15145 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-1c646849 ps23\">takes into account movement in treasury shares to 31 December, as well as share buybacks during the period. </span></div><div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_394\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">49<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16234\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16235\">Principal subsidiaries, associated companies and joint venture holdings \u2013\u00a0 \u00a0 \u00a0 \u00a0 <span class=\"f ps2\"> </span></span></div><div class=\"ps8702 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Investec plc<span class=\"f ps2\"> </span></span></div><div class=\"ps8704 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:90pt\"></td><td style=\"padding:0;width:78pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"4\" style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps2813 ss1620\"><div><div class=\"ps809 ss1514\"><span class=\"f charStyle-a26246ce ps10333\">Effective interest<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17298 ss2033\"><div><div class=\"ps11070 ss161\"><span class=\"f charStyle-8d4b9b37 ps7\">Principal activity<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17299 ss2034\"><div><div class=\"ps15205 ss1256\"><span class=\"f charStyle-8d4b9b37 ps7\">Country of <span class=\"f ps2\"> </span></span></div><div class=\"ps11070 ss1256\"><span class=\"f charStyle-8d4b9b37 ps7\">incorporation<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2815 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2473 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-8d4b9b37 ps9195\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps817 ss2035\"><div><div class=\"ps4014 ss969\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps3425 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-b7f6e8e5 ps7\">Direct subsidiaries of Investec plc<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps6433 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-9458d4de ps7\">Investec 1 Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17300 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment holding<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17301 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">England and Wales<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14749 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14751 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14752 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-b7f6e8e5 ps7\">Indirect subsidiaries of Investec plc<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14755 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Asset Finance plc<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17302 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Leasing<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17303 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">England and Wales<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14757 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14759 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4015 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Bank plc<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17304 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment holding<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17305 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">England and Wales<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14760 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14761 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps338 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Bank (Channel Islands) Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17306 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Banking institution<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17307 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">Guernsey<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15785 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15786 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"padding:0\"><div class=\"ps4656 ss2037\"><div><div class=\"ps2632 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Bank (Switzerland) AG<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17308 ss1099\"><div><div class=\"ps997 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Banking institution and <span class=\"f ps2\"> </span></span></div><div class=\"ps2366 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">wealth manager<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17309 ss2038\"><div><div class=\"ps2366 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">Switzerland<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11824 ss1671\"><div><div class=\"ps2366 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11825 ss1671\"><div><div class=\"ps2366 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13758 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Group Investments (UK) Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17310 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment holding<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17311 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">England and Wales<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15705 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11907 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2618 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Holdings Australia Pty Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17312 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Holding company<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17313 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">Australia<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17314 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps17315 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13812 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-9458d4de ps7\">Investec Investments (UK) Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17316 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment holding<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17317 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">England and Wales<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17318 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps17319 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps17320 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Europe Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17321 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">MiFiD firm<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17322 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">Ireland<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17323 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps17324 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps15914 ss970\"><div><div class=\"ps2754 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Securities (US) LLC<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17325 ss2039\"><div><div class=\"ps2754 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Financial services<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17326 ss2040\"><div><div class=\"ps2754 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">USA<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17327 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps17328 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4319 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Capitalmind Investment Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17329 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Non-trading<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17330 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">England and Wales<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14862 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14863 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4325 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Continental Europe Advisory BV<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17331 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Non-trading<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17332 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">Netherlands<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14868 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps882\"></span><span class=\"ps882\">60%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14869 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps882\"></span><span class=\"ps882\">60%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4331 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Advisory SAS<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17333 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Advisory services<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17334 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">France<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14877 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps882\"></span><span class=\"ps882\">60%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14878 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps882\"></span><span class=\"ps882\">60%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4338 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Advisory GmbH &amp; Co. KG<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17335 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Advisory services<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17336 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">Germany<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17337 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps882\"></span><span class=\"ps882\">60%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps17338 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps882\"></span><span class=\"ps882\">60%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4343 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Advisory B.V<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17339 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Advisory services<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17340 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">Netherlands<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14884 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps882\"></span><span class=\"ps882\">60%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14886 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps882\"></span><span class=\"ps882\">60%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4344 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Advisory AG<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17341 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Advisory services<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17342 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">Switzerland<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14891 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps13543\"></span><span class=\"ps13543\">36%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14893 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2556 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Advisory A/S<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17343 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Advisory services<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17344 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">Denmark<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14900 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps882\"></span><span class=\"ps882\">60%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2560 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2561 ss970\"><div><div class=\"ps2754 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec International Private Office Limited <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17345 ss2039\"><div><div class=\"ps2754 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Financial services<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17346 ss2040\"><div><div class=\"ps2754 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">United Kingdom<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14908 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2565 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps17347 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Investec share trusts</span></div><div class=\"ps17348 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">As a result of being able to appoint the Trustees and the purpose of the trusts being the remuneration of the Group\u2019s staff, the </span></div><div class=\"ps17349 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group consolidates the following share trusts, which facilitate share\u2011based awards on behalf of the Group: The Investec Plc Jersey </span></div><div class=\"ps17350 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Trust Number 1.</span></div><div class=\"ps17351 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">All of the above subsidiary undertakings are included in the consolidated accounts.<span class=\"f ps2\"> </span></span></div><div class=\"ps17352 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The subsidiaries listed above are only in relation to subsidiary undertakings whose results or financial position, in the opinion of the <span class=\"f ps2\"> </span></span></div><div class=\"ps17353 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">directors, have a significant impact on the financial statements.<span class=\"f ps2\"> </span></span></div><div class=\"ps17358 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For more details on interests in associated undertakings and joint venture holdings refer to </span><span class=\"f charStyle-33e1c6d6 ps17354\">note<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps17355\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps17356\">25<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps17357\">.</span></div><div class=\"ps17359 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">A complete list of subsidiary, associated undertakings and joint venture holdings as required by the Companies Act 2006 is <span class=\"f ps2\"> </span></span></div><div class=\"ps17368 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">included in </span><span class=\"f charStyle-2bfb2495 ps17360\">note<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps17361\"> j to the Investec plc company accounts on <span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps17362\">pages</span><span class=\"f charStyle-2bfb2495 ps17363\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-4cea0f20 ps17364\"><a class=\"Hyperlink\" href=\"#iccba24ea0cd14a1fbe74568356c33a8e_472\" style=\"z-index:1\">205</a></span><span class=\"f charStyle-2bfb2495 ps17365\"> to </span><span class=\"f charStyle-4cea0f20 ps17366\"><a class=\"Hyperlink\" href=\"#i6ba28601cc6145d7b48627c49f6a6e28_214\" style=\"z-index:1\">209</a></span><span class=\"f charStyle-2bfb2495 ps17367\">.</span></div><div class=\"ps17369 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Consolidated structured entities<span class=\"f ps2\"> </span></span></div><div class=\"ps17370 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec plc has no equity interest in the following structured entities, which are consolidated. Typically, a structured entity is an <span class=\"f ps2\"> </span></span></div><div class=\"ps17371 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">entity in which voting or similar rights are not the dominant factor in deciding control. The judgements to assess whether the Group </span></div><div class=\"ps17372 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">has control over these structures include assessing the purpose and design of the entity and considering whether the Group or </span></div><div class=\"ps17373 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">another involved party with power over the relevant activities is acting as a principal in its own right or as an agent on behalf of <span class=\"f ps2\"> </span></span></div><div class=\"ps17374 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">others.</span></div><div class=\"ps17384 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:230.25pt\"></td><td style=\"padding:0;width:7.5pt\"></td><td style=\"padding:0;width:243pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#131721;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19 ss2041\"><div><div class=\"ps1783 ss70\"><span class=\"f charStyle-30ab31c8 ps7\">Name of principal structured entity<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#131721;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#131721;border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss2043\"><div><div class=\"ps1783 ss2042\"><span class=\"f charStyle-30ab31c8 ps7\">Type of structured entity<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2724 ss2041\"><div><div class=\"ps2158 ss70\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cavern Funding 2020 plc<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps17375 ss2043\"><div><div class=\"ps2158 ss2042\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securitised auto receivables<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4066 ss2041\"><div><div class=\"ps2158 ss70\"><span class=\"f charStyle-2b0f4fe0 ps7\">Temese Funding 2 plc<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps17376 ss2043\"><div><div class=\"ps2158 ss2042\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securitised receivables<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3516 ss2041\"><div><div class=\"ps2158 ss70\"><span class=\"f charStyle-2b0f4fe0 ps7\">Gresham Leasing One Limited^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps17377 ss2043\"><div><div class=\"ps2158 ss2042\"><span class=\"f charStyle-2b0f4fe0 ps7\">Aircraft related<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4077 ss2044\"><div><div class=\"ps5733 ss70\"><span class=\"f charStyle-2b0f4fe0 ps7\">KF Turbo Leasing Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps17380 ss2045\"><div><div class=\"ps5733 ss2042\"><span class=\"f charStyle-2b0f4fe0 ps7\">Dormant Company<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps14755 ss2041\"><div><div class=\"ps2158 ss70\"><span class=\"f charStyle-2b0f4fe0 ps7\">Zebra Aviation Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps17381 ss2043\"><div><div class=\"ps2158 ss2042\"><span class=\"f charStyle-2b0f4fe0 ps7\">Aircraft leasing<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps849 ss2041\"><div><div class=\"ps2158 ss70\"><span class=\"f charStyle-2b0f4fe0 ps7\">Zebra Capital II Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17382 ss2043\"><div><div class=\"ps2158 ss2042\"><span class=\"f charStyle-2b0f4fe0 ps7\">Structured note issuance related<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9225 ss2041\"><div><div class=\"ps2158 ss70\"><span class=\"f charStyle-2b0f4fe0 ps7\">SDFI GP S.\u00e1 r.l.<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17383 ss2043\"><div><div class=\"ps2158 ss2042\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fund management entity<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps17385 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^ <span style=\"display:inline-block;height:5.81pt;width:9.82pt\"></span></span><span class=\"ps968\">During the year, the Group liquidated a residual tranche holding in Gresham Leasing One Limited structured entity which subsequently resulted in the deconsolidation </span></span></div><div class=\"ps17386 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">of the SPV and its related assets and liabilities.</span></div><div class=\"ps17387 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">Details of the risks to which the Group is exposed through all of its securitisations are included in the notes to risk and capital <span class=\"f ps2\"> </span></span></div><div class=\"ps17390 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">management on page </span><span class=\"f charStyle-4cea0f20 ps17388\"><a class=\"Hyperlink\" href=\"#iccba24ea0cd14a1fbe74568356c33a8e_442\" style=\"z-index:1\">180</a></span><span class=\"f charStyle-2bfb2495 ps17389\">.<span class=\"f ps2\"> </span></span></div></div><div class=\"ps17392 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The key assumptions for the main types of structured entities which the Group consolidates are summarised below:</span></div><div class=\"ps17393 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Securitised residential mortgages</span></div><div class=\"ps17394 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group has securitised residential mortgages in order to provide investors with exposure to residential mortgage risk and to </span></div><div class=\"ps17395 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">raise funding. These structured entities are consolidated due to the Group\u2019s holdings of equity notes combined with its control over </span></div><div class=\"ps17396 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">servicing activities. The Group is not required to fund any losses above those incurred on the notes it has retained; such losses are </span></div><div class=\"ps17397 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reflected in any impairment of securitised mortgages as those assets have not been derecognised.</span></div><div class=\"ps17398 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Structured debt and loan portfolios</span></div><div class=\"ps17399 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group has structured debt and loan portfolios for the purpose of issuing asset-backed securities. These structured entities are <span class=\"f ps2\"> </span></span></div><div class=\"ps17400 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">consolidated due to the Group\u2019s retention of equity notes and because it continues to act as the collateral manager. The Group is </span></div><div class=\"ps17401 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">not required to fund any losses above those incurred on the notes it has retained.</span></div><div class=\"ps17402 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Securitised receivables</span></div><div class=\"ps17403 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group has securitised portfolios of medium-term lease and hire purchase receivables. These structured entities are </span></div><div class=\"ps17404 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">consolidated as the Group has retained the equity notes and control over servicing activities. The Group is not required to fund </span></div><div class=\"ps17405 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">any\u00a0losses above those incurred on the notes it has retained.</span></div><div class=\"ps17406 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Other structured entities \u2013 commercial operations</span></div><div class=\"ps17407 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group also consolidates a number of structured entities where control arises from rights attached to lending facilities and </span></div><div class=\"ps17408 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">similar commercial involvement. These arise primarily in the areas of aircraft funds, where the Group has rights which allow it </span></div><div class=\"ps17411 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">to\u00a0maximise the value of the assets held and investments in mining projects due to its exposure to e</span><span class=\"f charStyle-33e1c6d6 ps17409\">quity-</span><span class=\"f charStyle-33e1c6d6 ps17410\">like returns and ability </span></div><div class=\"ps17412 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">to\u00a0influence the strategic and financial decision-making.</span></div><div class=\"ps17413 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group is not required to fund any losses above those which could be incurred on debt positions held or swaps which exist </span></div><div class=\"ps17414 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">with\u00a0these structured entities. The risks to which the Group is exposed from these structured entities are related to the underlying </span></div><div class=\"ps17415 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">assets held in the structures. </span></div><div class=\"ps17416 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Significant restrictions</span></div><div class=\"ps17417 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">As is typical for a large group of companies, there are restrictions on the ability of the Group to obtain distributions of capital, </span></div><div class=\"ps17418 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">access the assets or repay the liabilities of members of the Group due to the statutory, regulatory and contractual requirements </span></div><div class=\"ps17419 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of\u00a0its subsidiaries. </span></div><div class=\"ps17420 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">These are considered below:</span></div><div class=\"ps17421 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">Regulatory requirements</span></div><div class=\"ps17422 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Subsidiary companies are subject to prudential regulation and regulatory capital requirements in the countries in which they are </span></div><div class=\"ps17423 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">regulated. These require entities to maintain minimum capital, leverage and exposure ratios restricting the ability of these entities </span></div><div class=\"ps17424 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">to\u00a0make distributions of cash or other assets to the parent company. Regulated subsidiaries of the Group are required to maintain </span></div><div class=\"ps17425 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">liquidity pools to meet PRA and local regulatory requirements. The main subsidiaries affected are: Investec Bank plc, Investec Bank </span></div><div class=\"ps17426 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">(Channel Islands) Limited and Investec Bank (Switzerland) AG, which must maintain compliance with the regulatory minimum.</span></div><div class=\"ps17433 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">Capital management within the Group is discussed in the notes to risk and capital management on </span><span class=\"f charStyle-2bfb2495 ps17427\">pages</span><span class=\"f charStyle-2bfb2495 ps17428\"> </span><span class=\"f charStyle-4cea0f20 ps17429\"><a class=\"Hyperlink\" href=\"#iccba24ea0cd14a1fbe74568356c33a8e_457\" style=\"z-index:1\">195</a></span><span class=\"f charStyle-2bfb2495 ps17430\"> to </span><span class=\"f charStyle-4cea0f20 ps17431\"><a class=\"Hyperlink\" href=\"#i283a065ee6314f40a85b8c13c45a2235_18405\" style=\"z-index:1\">197</a></span><span class=\"f charStyle-2bfb2495 ps17432\">.</span></div><div class=\"ps17434 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">Statutory requirements</span></div><div class=\"ps17435 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group\u2019s subsidiaries are subject to statutory requirements not to make distributions of capital and unrealised profits, </span></div><div class=\"ps17436 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and\u00a0generally maintain solvency. These requirements restrict the ability of subsidiaries to remit dividends, except in the case </span></div><div class=\"ps17437 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of\u00a0a\u00a0legal capital reduction or liquidation.</span></div><div class=\"ps17438 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">Contractual requirements</span></div><div class=\"ps17439 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Asset encumbrance \u2013 the Group uses its financial assets to raise finance in the form of securitisations and through the liquidity </span></div><div class=\"ps17440 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">schemes of central banks. Once encumbered, the assets are not available for transfer around the Group. The assets typically </span></div><div class=\"ps17446 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">affected are disclosed in </span><span class=\"f charStyle-33e1c6d6 ps17441\">notes</span><span class=\"f charStyle-33e1c6d6 ps17442\"> </span><span class=\"f charStyle-33e1c6d6 ps17443\">17</span><span class=\"f charStyle-33e1c6d6 ps17444\"> and </span><span class=\"f charStyle-33e1c6d6 ps4853\">52</span><span class=\"f charStyle-33e1c6d6 ps17445\">.</span></div><div class=\"ps17447 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Structured associates</span></div><div class=\"ps17448 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group has investments in a number of structured funds specialising in aircraft financing where the Group acts as adviser </span></div><div class=\"ps17449 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">or\u00a0fund manager in addition to holding units within the fund. As a consequence of these roles and funding, the Group has </span></div><div class=\"ps17450 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">significant\u00a0influence over the fund and therefore the funds are treated as associates.</span></div><div class=\"ps17396 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group applies the venture capital exemption to these holdings and, as such, the investments in the funds are accounted for </span></div><div class=\"ps17397 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">at\u00a0fair value and held within the investment portfolio on the balance sheet.</span></div><div class=\"ps17457 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:150pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:150.75pt\"></td><td style=\"padding:0;width:177pt\"></td></tr><tr style=\"height:15pt\"><td style=\"background-color:#131721;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss2046\"><div><div class=\"ps17451 ss1212\"><span class=\"f charStyle-cd36821c ps7\">Type of structured entity<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#131721;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#131721;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17452 ss2047\"><div><div class=\"ps17451 ss317\"><span class=\"f charStyle-cd36821c ps7\">Nature and purpose<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#131721;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16578 ss2048\"><div><div class=\"ps17451 ss786\"><span class=\"f charStyle-cd36821c ps7\">Interest held by the Group/income earned<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:23.25pt\"><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3538 ss2049\"><div><div class=\"ps2632 ss1212\"><span class=\"f charStyle-b7f6e8e5 ps7\">Aircraft investment funds<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17453 ss2050\"><div><div class=\"ps997 ss317\"><span class=\"f charStyle-2b0f4fe0 ps7\">To generate fees from managing assets <span class=\"f ps2\"> </span></span></div><div class=\"ps2366 ss317\"><span class=\"f charStyle-2b0f4fe0 ps7\">on behalf of third party investors<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17454 ss2051\"><div><div class=\"ps2632 ss786\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investments in units issued by the fund<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:23.25pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17455 ss2050\"><div><div class=\"ps997 ss317\"><span class=\"f charStyle-2b0f4fe0 ps7\">These vehicles are financed through the <span class=\"f ps2\"> </span></span></div><div class=\"ps2366 ss317\"><span class=\"f charStyle-2b0f4fe0 ps7\">issue of units to investors<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17456 ss2051\"><div><div class=\"ps2632 ss786\"><span class=\"f charStyle-2b0f4fe0 ps7\">Management fees<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps17459 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps2861\">The table below sets out an analysis of the carrying amounts of interests held by the Group in structured associate entities</span><span class=\"f charStyle-4646bb92 ps17458\">.</span></div><div class=\"ps17469 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:159pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:75.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:75.75pt\"></td><td style=\"padding:0;width:75.75pt\"></td><td style=\"padding:0;width:42.75pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:18pt\"><td style=\"padding:0\"><div class=\"ps19 ss2052\"><div><div class=\"ps13322 ss64\"><span class=\"f charStyle-a26246ce ps7\">At 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps85 ss2053\"><div><div class=\"ps985 ss798\"><span class=\"f charStyle-a26246ce ps7\">Line on the balance <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss798\"><span class=\"f charStyle-a26246ce ps7\">sheet<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps296 ss1813\"><div><div class=\"ps989 ss1812\"><span class=\"f charStyle-a26246ce ps9721\">Carrying <span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss1812\"><span class=\"f charStyle-a26246ce ps15390\">value<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss1812\"><span class=\"f charStyle-a26246ce ps586\"> \u00a3'000<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17460 ss2053\"><div><div class=\"ps985 ss798\"><span class=\"f charStyle-a26246ce ps7\">Maximum exposure <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss798\"><span class=\"f charStyle-a26246ce ps7\">to loss<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17461 ss2053\"><div><div class=\"ps985 ss798\"><span class=\"f charStyle-a26246ce ps7\">Income earned from <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss798\"><span class=\"f charStyle-a26246ce ps7\">structured entity<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3721 ss1807\"><div><div class=\"ps983 ss717\"><span class=\"f charStyle-a26246ce ps17462\">\u00a3'000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13498 ss2054\"><div><div class=\"ps4014 ss64\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps998 ss2055\"><div><div class=\"ps2632 ss64\"><span class=\"f charStyle-2b0f4fe0 ps7\">Aircraft investment funds<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17463 ss2056\"><div><div class=\"ps2632 ss798\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17464 ss2057\"><div><div class=\"ps2632 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.14pt\"></span></span><span class=\"ps11498\">13\u00a0816<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17465 ss2056\"><div><div class=\"ps2632 ss798\"><span class=\"f charStyle-2b0f4fe0 ps7\">Limited to the <span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss798\"><span class=\"f charStyle-2b0f4fe0 ps7\">carrying value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17466 ss2056\"><div><div class=\"ps2632 ss798\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17468 ss718\"><div><div class=\"ps2632 ss717\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.24pt\"></span></span><span class=\"ps17467\">4\u00a0802<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps17470 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:159pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:75.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:75.75pt\"></td><td style=\"padding:0;width:75.75pt\"></td><td style=\"padding:0;width:42.75pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:18pt\"><td style=\"padding:0\"><div class=\"ps19 ss2052\"><div><div class=\"ps13322 ss64\"><span class=\"f charStyle-8d4b9b37 ps7\">At 31 March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps85 ss2053\"><div><div class=\"ps985 ss798\"><span class=\"f charStyle-8d4b9b37 ps7\">Line on the balance <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss798\"><span class=\"f charStyle-8d4b9b37 ps7\">sheet<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps296 ss1813\"><div><div class=\"ps989 ss1812\"><span class=\"f charStyle-8d4b9b37 ps16766\">Carrying <span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss1812\"><span class=\"f charStyle-8d4b9b37 ps11101\">value<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss1812\"><span class=\"f charStyle-8d4b9b37 ps14030\"> \u00a3'000<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17460 ss2053\"><div><div class=\"ps985 ss798\"><span class=\"f charStyle-8d4b9b37 ps7\">Maximum exposure to <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss798\"><span class=\"f charStyle-8d4b9b37 ps7\">loss<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17461 ss2053\"><div><div class=\"ps985 ss798\"><span class=\"f charStyle-8d4b9b37 ps7\">Income earned from <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss798\"><span class=\"f charStyle-8d4b9b37 ps7\">structured entity<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3721 ss1807\"><div><div class=\"ps983 ss717\"><span class=\"f charStyle-8d4b9b37 ps12866\">\u00a3'000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13498 ss2054\"><div><div class=\"ps4014 ss64\"><span class=\"f charStyle-6f1c08a8 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps998 ss2055\"><div><div class=\"ps2632 ss64\"><span class=\"f charStyle-2b0f4fe0 ps7\">Aircraft investment funds<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17463 ss2056\"><div><div class=\"ps2632 ss798\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17464 ss2057\"><div><div class=\"ps2632 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.79pt\"></span></span><span class=\"ps16961\">22\u00a0082<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17465 ss2056\"><div><div class=\"ps2632 ss798\"><span class=\"f charStyle-2b0f4fe0 ps7\">Limited to the <span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss798\"><span class=\"f charStyle-2b0f4fe0 ps7\">carrying value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17466 ss2056\"><div><div class=\"ps2632 ss798\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17468 ss718\"><div><div class=\"ps2632 ss717\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.59pt\"></span></span><span class=\"ps15064\">2\u00a0180<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfJointVenturesExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-932": {
   "value": "<div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_307\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:14.43pt\">25<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15021\" style=\"width:5.86pt\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15022\" style=\"width:348.01pt\">Interests in associated undertakings and joint venture holdings<span class=\"f ps2\"> </span></span></div><div class=\"ps72 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss1718 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:369.75pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss1871\"><div><div class=\"ps809 ss1870\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14632 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15023 ss1872\"><div><div class=\"ps11070 ss1310\"><span class=\"f charStyle-8d4b9b37 ps1118\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1873\"><div><div class=\"ps4014 ss1870\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interests in associated undertakings and joint venture holdings consist of:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3425 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Net asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15024 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.14pt\"></span></span><span class=\"ps11498\">244\u00a0443<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15026 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.33pt\"></span></span><span class=\"ps15025\">225\u00a0068<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps6433 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Goodwill and intangibles within the carrying value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15027 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.84pt\"></span></span><span class=\"ps14816\">607\u00a0424<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15029 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.76pt\"></span></span><span class=\"ps15028\">607\u00a0073<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14752 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-b7f6e8e5 ps7\">Investment in associated undertakings and joint venture holdings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps15030 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.27pt\"></span></span><span class=\"ps4137\">851\u00a0867<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15031 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.55pt\"></span></span><span class=\"ps14986\">832\u00a0141<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14755 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Associated undertakings and joint venture holdings comprise listed and unlisted investments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4015 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-b7f6e8e5 ps7\">Analysis of the movement in our share of net assets:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps338 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15032 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.83pt\"></span></span><span class=\"ps11699\">225\u00a0068<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15033 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.55pt\"></span></span><span class=\"ps14986\">202\u00a0735<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4656 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Exchange adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15034 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.16pt\"></span></span><span class=\"ps11882\">(4\u00a0134)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15036 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.35pt\"></span></span><span class=\"ps15035\">(864)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9375 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Rathbones measurement period finalisation^^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15037 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15038 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.66pt\"></span></span><span class=\"ps12188\">53\u00a0369<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4478 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Change in shareholding<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15040 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.73pt\"></span></span><span class=\"ps15039\">(7\u00a0580)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15041 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps328 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Disposals<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15042 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.65pt\"></span></span><span class=\"ps12208\">(1\u00a0952)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15043 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15044 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Transfer from investment portfolio^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15045 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15047 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.14pt\"></span></span><span class=\"ps15046\">27\u00a0835<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15048 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Acquisitions of intangibles within associates<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15049 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.11pt\"></span></span><span class=\"ps12308\">(8\u00a0171)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15050 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4485 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Share of post-taxation profits of associates and joint venture holdings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15052 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.74pt\"></span></span><span class=\"ps15051\">75\u00a0331<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15054 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.78pt\"></span></span><span class=\"ps15053\">47\u00a0233<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1617 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Share of other comprehensive income and equity of associates and joint venture holdings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15055 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.57pt\"></span></span><span class=\"ps12177\">7\u00a0907<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15056 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.58pt\"></span></span><span class=\"ps12643\">(12\u00a0252)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2541 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Dividends received<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15057 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.59pt\"></span></span><span class=\"ps4132\">(42\u00a0026)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15058 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.22pt\"></span></span><span class=\"ps11385\">(92\u00a0988)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps2392 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-b7f6e8e5 ps7\">At the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps15060 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.1pt\"></span></span><span class=\"ps15059\">244\u00a0443<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15061 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.25pt\"></span></span><span class=\"ps136\">225\u00a0068<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2396 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-b7f6e8e5 ps7\">Analysis of the movement in goodwill and intangibles:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#FFFFFF;padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8900 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15063 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.26pt\"></span></span><span class=\"ps15062\">607\u00a0073<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15065 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.59pt\"></span></span><span class=\"ps15064\">654\u00a0512<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4714 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Exchange adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15066 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.95pt\"></span></span><span class=\"ps11334\">(352)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15068 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.69pt\"></span></span><span class=\"ps15067\">(188)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8902 ss1871\"><div><div class=\"ps815 ss1870\" style=\"font-size:12pt\"><span class=\"f charStyle-9458d4de ps7\">Rathbones measurement period finalisation^^</span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15069 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15070 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.67pt\"></span></span><span class=\"ps11376\">(47\u00a0601)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12290 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Change in shareholding<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15071 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.32pt\"></span></span><span class=\"ps14101\">7\u00a0580<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15072 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1634 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Acquisitions of intangibles within associates<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15073 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.7pt\"></span></span><span class=\"ps11183\">8\u00a0171<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15074 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps61 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Transfer from investment portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15075 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15076 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.4pt\"></span></span><span class=\"ps9248\">6\u00a0662<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15077 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Share of post-taxation amortisation of acquired intangibles of associates<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15078 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.92pt\"></span></span><span class=\"ps9246\">(15\u00a0048)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15079 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.9pt\"></span></span><span class=\"ps14763\">(6\u00a0312)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15080 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-b7f6e8e5 ps7\">At the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15082 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.63pt\"></span></span><span class=\"ps15081\">607\u00a0424<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15084 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.45pt\"></span></span><span class=\"ps15083\">607\u00a0073<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps15085 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^ <span style=\"display:inline-block;height:5.81pt;width:9.82pt\"></span></span><span class=\"ps968\">Historically, Investec Capital Services (India) Pvt Ltd (ICSI) has been a joint venture, accounted for at fair value and presented within the investment portfolio. As a </span></span></div><div class=\"ps15086 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">result of a change in strategy in relation to the investments in the prior year, it was determined that it was no longer appropriate to apply fair value accounting. The </span></div><div class=\"ps15087 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">investment has therefore been equity accounted from the date of this change.</span></div><div class=\"ps15088 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^^<span style=\"display:inline-block;height:5.81pt;width:8.83pt\"></span></span><span class=\"ps968\">Following the acquisition of Rathbones, the Group finalised the purchase price allocation in the prior year. The acquisition date fair values of identifiable assets, </span></span></div><div class=\"ps15089 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">liabilities, and contingent liabilities were assessed and allocated appropriately to intangible assets with the residual value being recognised as goodwill. This process </span></div><div class=\"ps15090 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">resulted in an increase in net assets of \u00a353.4 million and a decrease in goodwill and intangibles of \u00a347.6 million. As the impact on the financial statements was </span></div><div class=\"ps15091 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">immaterial, these were adjusted for prospectively in the prior year.</span></div></div><div class=\"ps24 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:14.43pt\">25</span><span class=\"f charStyle-f6a3ab10 ps15021\" style=\"width:5.86pt\">. </span><span class=\"f charStyle-f6a3ab10 ps15022\" style=\"width:348.01pt\">Interests in associated undertakings and joint venture holdings</span><span class=\"f charStyle-f6a3ab10 ps15095\" style=\"width:67.74pt\"> (continued)</span></div><div class=\"ps72 ss8\"><div class=\"ss275 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:375.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13839 ss1874\"><div><div class=\"ps809 ss43\"><span class=\"f charStyle-a26246ce ps11537\">Rathbones Group plc<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15096 ss929\"><div><div class=\"ps809 ss818\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps11465\">2026</span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15097 ss929\"><div><div class=\"ps809 ss818\"><span class=\"f charStyle-8d4b9b37 ps4194\">2025<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps817 ss1876\"><div><div class=\"ps997 ss1875\"><span class=\"f charStyle-b7f6e8e5 ps7\">Details of material associated undertakings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9200 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-b7f6e8e5 ps7\">Summarised financial information (\u00a3\u2019000):<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9204 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-2b0f4fe0 ps7\">Operating income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15098 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.33pt\"></span></span><span class=\"ps128\">923\u00a0304<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15099 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.31pt\"></span></span><span class=\"ps8585\">895\u00a0875<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4003 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-2b0f4fe0 ps7\">Profit after taxation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15100 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.29pt\"></span></span><span class=\"ps9311\">112\u00a0337<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15102 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.29pt\"></span></span><span class=\"ps15101\">65\u00a0398<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4562 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other comprehensive income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15104 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.13pt\"></span></span><span class=\"ps15103\">68<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15106 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.01pt\"></span></span><span class=\"ps15105\">(7\u00a0967)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9218 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-2b0f4fe0 ps7\">Total comprehensive income after non-controlling interests<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15107 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.18pt\"></span></span><span class=\"ps2227\">112\u00a0405<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15108 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.76pt\"></span></span><span class=\"ps9988\">57\u00a0431<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps220 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-2b0f4fe0 ps7\">Total assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15109 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.64pt\"></span></span><span class=\"ps3444\">5\u00a0217\u00a0232<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15111 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.65pt\"></span></span><span class=\"ps15110\">4\u00a0290\u00a0034<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9234 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-2b0f4fe0 ps7\">Total liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15113 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.02pt\"></span></span><span class=\"ps15112\">3\u00a0865\u00a0209<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15115 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.27pt\"></span></span><span class=\"ps15114\">2\u00a0930\u00a0672<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9241 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps15117 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.37pt\"></span></span><span class=\"ps15116\">1\u00a0352\u00a0023<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15119 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.35pt\"></span></span><span class=\"ps15118\">1\u00a0359\u00a0362<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9245 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-2b0f4fe0 ps7\">Effective interest in issued share capital<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15121 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps15120\">43.23%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15123 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps15122\">41.25%<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3337 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-2b0f4fe0 ps7\">Our share of net asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13908 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.58pt\"></span></span><span class=\"ps15124\">584\u00a0480<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13910 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.4pt\"></span></span><span class=\"ps9295\">560\u00a0737<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9254 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-2b0f4fe0 ps7\">Less: Goodwill and intangibles net of deferred tax per Rathbones<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15126 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.82pt\"></span></span><span class=\"ps15125\">(375\u00a0851)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15127 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.87pt\"></span></span><span class=\"ps10534\">(368\u00a0604)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps289 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-2b0f4fe0 ps7\">Add: Goodwill and Investec\u2019s share of intangible assets net of deferred tax<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15128 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.02pt\"></span></span><span class=\"ps11741\">601\u00a0301<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15130 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.81pt\"></span></span><span class=\"ps15129\">600\u00a0599<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8433 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-9458d4de ps7\">Carrying value of interest \u2013 equity method</span><span class=\"f charStyle-70e7a25b ps15131\"><span class=\"f ps2\"> </span><sup>^</sup></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15133 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.55pt\"></span></span><span class=\"ps15132\">809\u00a0930<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15135 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.32pt\"></span></span><span class=\"ps15134\">792\u00a0732<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps6660 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-b7f6e8e5 ps7\">Fair value of investment\u00a0 in Rathbones Group<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15136 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.68pt\"></span></span><span class=\"ps8554\">886\u00a0313<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15138 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.12pt\"></span></span><span class=\"ps15137\">692\u00a0126<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps15139 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^ <span style=\"display:inline-block;height:5.81pt;width:9.82pt\"></span></span><span class=\"ps968\">The difference between the carrying value of Rathbones and the net asset value relates to intangible assets, and goodwill that was recognised in the carrying value as </span></span></div><div class=\"ps15140 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">a direct result of the fair value exceeding the fair value of the identifiable assets at acquisition date.</span></div><div class=\"ps15142 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-1c646849 ps23\">Rathbones has a statutory year end of 31 December and the Group recognises its share of earnings on a three months in arrears basis due to the </span></div><div class=\"ps15143 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-1c646849 ps23\">difference in reporting dates between Rathbones and the Group. The financial information presented above aligns with this reporting date. Our </span></div><div class=\"ps15144 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-1c646849 ps23\">share of profit of associates for the current financial year was based on an average effective 43.15% for the year. The year end effective holding </span></div><div class=\"ps15145 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-1c646849 ps23\">takes into account movement in treasury shares to 31 December, as well as share buybacks during the period. </span></div><div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_394\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">49<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16234\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16235\">Principal subsidiaries, associated companies and joint venture holdings \u2013\u00a0 \u00a0 \u00a0 \u00a0 <span class=\"f ps2\"> </span></span></div><div class=\"ps8702 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Investec plc<span class=\"f ps2\"> </span></span></div><div class=\"ps8704 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:90pt\"></td><td style=\"padding:0;width:78pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"4\" style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps2813 ss1620\"><div><div class=\"ps809 ss1514\"><span class=\"f charStyle-a26246ce ps10333\">Effective interest<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17298 ss2033\"><div><div class=\"ps11070 ss161\"><span class=\"f charStyle-8d4b9b37 ps7\">Principal activity<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17299 ss2034\"><div><div class=\"ps15205 ss1256\"><span class=\"f charStyle-8d4b9b37 ps7\">Country of <span class=\"f ps2\"> </span></span></div><div class=\"ps11070 ss1256\"><span class=\"f charStyle-8d4b9b37 ps7\">incorporation<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2815 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2473 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-8d4b9b37 ps9195\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps817 ss2035\"><div><div class=\"ps4014 ss969\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps3425 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-b7f6e8e5 ps7\">Direct subsidiaries of Investec plc<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps6433 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-9458d4de ps7\">Investec 1 Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17300 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment holding<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17301 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">England and Wales<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14749 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14751 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14752 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-b7f6e8e5 ps7\">Indirect subsidiaries of Investec plc<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14755 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Asset Finance plc<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17302 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Leasing<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17303 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">England and Wales<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14757 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14759 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4015 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Bank plc<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17304 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment holding<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17305 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">England and Wales<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14760 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14761 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps338 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Bank (Channel Islands) Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17306 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Banking institution<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17307 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">Guernsey<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15785 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15786 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"padding:0\"><div class=\"ps4656 ss2037\"><div><div class=\"ps2632 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Bank (Switzerland) AG<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17308 ss1099\"><div><div class=\"ps997 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Banking institution and <span class=\"f ps2\"> </span></span></div><div class=\"ps2366 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">wealth manager<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17309 ss2038\"><div><div class=\"ps2366 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">Switzerland<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11824 ss1671\"><div><div class=\"ps2366 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11825 ss1671\"><div><div class=\"ps2366 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13758 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Group Investments (UK) Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17310 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment holding<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17311 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">England and Wales<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15705 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11907 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2618 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Holdings Australia Pty Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17312 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Holding company<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17313 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">Australia<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17314 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps17315 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13812 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-9458d4de ps7\">Investec Investments (UK) Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17316 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment holding<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17317 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">England and Wales<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17318 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps17319 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps17320 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Europe Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17321 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">MiFiD firm<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17322 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">Ireland<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17323 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps17324 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps15914 ss970\"><div><div class=\"ps2754 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Securities (US) LLC<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17325 ss2039\"><div><div class=\"ps2754 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Financial services<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17326 ss2040\"><div><div class=\"ps2754 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">USA<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17327 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps17328 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4319 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Capitalmind Investment Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17329 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Non-trading<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17330 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">England and Wales<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14862 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14863 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4325 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Continental Europe Advisory BV<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17331 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Non-trading<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17332 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">Netherlands<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14868 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps882\"></span><span class=\"ps882\">60%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14869 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps882\"></span><span class=\"ps882\">60%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4331 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Advisory SAS<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17333 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Advisory services<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17334 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">France<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14877 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps882\"></span><span class=\"ps882\">60%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14878 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps882\"></span><span class=\"ps882\">60%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4338 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Advisory GmbH &amp; Co. KG<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17335 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Advisory services<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17336 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">Germany<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17337 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps882\"></span><span class=\"ps882\">60%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps17338 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps882\"></span><span class=\"ps882\">60%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4343 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Advisory B.V<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17339 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Advisory services<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17340 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">Netherlands<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14884 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps882\"></span><span class=\"ps882\">60%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14886 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps882\"></span><span class=\"ps882\">60%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4344 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Advisory AG<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17341 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Advisory services<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17342 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">Switzerland<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14891 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps13543\"></span><span class=\"ps13543\">36%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14893 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2556 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Advisory A/S<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17343 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Advisory services<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17344 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">Denmark<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14900 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps882\"></span><span class=\"ps882\">60%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2560 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2561 ss970\"><div><div class=\"ps2754 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec International Private Office Limited <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17345 ss2039\"><div><div class=\"ps2754 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Financial services<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17346 ss2040\"><div><div class=\"ps2754 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">United Kingdom<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14908 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2565 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps17347 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Investec share trusts</span></div><div class=\"ps17348 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">As a result of being able to appoint the Trustees and the purpose of the trusts being the remuneration of the Group\u2019s staff, the </span></div><div class=\"ps17349 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group consolidates the following share trusts, which facilitate share\u2011based awards on behalf of the Group: The Investec Plc Jersey </span></div><div class=\"ps17350 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Trust Number 1.</span></div><div class=\"ps17351 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">All of the above subsidiary undertakings are included in the consolidated accounts.<span class=\"f ps2\"> </span></span></div><div class=\"ps17352 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The subsidiaries listed above are only in relation to subsidiary undertakings whose results or financial position, in the opinion of the <span class=\"f ps2\"> </span></span></div><div class=\"ps17353 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">directors, have a significant impact on the financial statements.<span class=\"f ps2\"> </span></span></div><div class=\"ps17358 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For more details on interests in associated undertakings and joint venture holdings refer to </span><span class=\"f charStyle-33e1c6d6 ps17354\">note<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps17355\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps17356\">25<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps17357\">.</span></div><div class=\"ps17359 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">A complete list of subsidiary, associated undertakings and joint venture holdings as required by the Companies Act 2006 is <span class=\"f ps2\"> </span></span></div><div class=\"ps17368 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">included in </span><span class=\"f charStyle-2bfb2495 ps17360\">note<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps17361\"> j to the Investec plc company accounts on <span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps17362\">pages</span><span class=\"f charStyle-2bfb2495 ps17363\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-4cea0f20 ps17364\"><a class=\"Hyperlink\" href=\"#iccba24ea0cd14a1fbe74568356c33a8e_472\" style=\"z-index:1\">205</a></span><span class=\"f charStyle-2bfb2495 ps17365\"> to </span><span class=\"f charStyle-4cea0f20 ps17366\"><a class=\"Hyperlink\" href=\"#i6ba28601cc6145d7b48627c49f6a6e28_214\" style=\"z-index:1\">209</a></span><span class=\"f charStyle-2bfb2495 ps17367\">.</span></div><div class=\"ps17369 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Consolidated structured entities<span class=\"f ps2\"> </span></span></div><div class=\"ps17370 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec plc has no equity interest in the following structured entities, which are consolidated. Typically, a structured entity is an <span class=\"f ps2\"> </span></span></div><div class=\"ps17371 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">entity in which voting or similar rights are not the dominant factor in deciding control. The judgements to assess whether the Group </span></div><div class=\"ps17372 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">has control over these structures include assessing the purpose and design of the entity and considering whether the Group or </span></div><div class=\"ps17373 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">another involved party with power over the relevant activities is acting as a principal in its own right or as an agent on behalf of <span class=\"f ps2\"> </span></span></div><div class=\"ps17374 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">others.</span></div><div class=\"ps17384 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:230.25pt\"></td><td style=\"padding:0;width:7.5pt\"></td><td style=\"padding:0;width:243pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#131721;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19 ss2041\"><div><div class=\"ps1783 ss70\"><span class=\"f charStyle-30ab31c8 ps7\">Name of principal structured entity<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#131721;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#131721;border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss2043\"><div><div class=\"ps1783 ss2042\"><span class=\"f charStyle-30ab31c8 ps7\">Type of structured entity<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2724 ss2041\"><div><div class=\"ps2158 ss70\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cavern Funding 2020 plc<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps17375 ss2043\"><div><div class=\"ps2158 ss2042\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securitised auto receivables<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4066 ss2041\"><div><div class=\"ps2158 ss70\"><span class=\"f charStyle-2b0f4fe0 ps7\">Temese Funding 2 plc<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps17376 ss2043\"><div><div class=\"ps2158 ss2042\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securitised receivables<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3516 ss2041\"><div><div class=\"ps2158 ss70\"><span class=\"f charStyle-2b0f4fe0 ps7\">Gresham Leasing One Limited^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps17377 ss2043\"><div><div class=\"ps2158 ss2042\"><span class=\"f charStyle-2b0f4fe0 ps7\">Aircraft related<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4077 ss2044\"><div><div class=\"ps5733 ss70\"><span class=\"f charStyle-2b0f4fe0 ps7\">KF Turbo Leasing Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps17380 ss2045\"><div><div class=\"ps5733 ss2042\"><span class=\"f charStyle-2b0f4fe0 ps7\">Dormant Company<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps14755 ss2041\"><div><div class=\"ps2158 ss70\"><span class=\"f charStyle-2b0f4fe0 ps7\">Zebra Aviation Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps17381 ss2043\"><div><div class=\"ps2158 ss2042\"><span class=\"f charStyle-2b0f4fe0 ps7\">Aircraft leasing<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps849 ss2041\"><div><div class=\"ps2158 ss70\"><span class=\"f charStyle-2b0f4fe0 ps7\">Zebra Capital II Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17382 ss2043\"><div><div class=\"ps2158 ss2042\"><span class=\"f charStyle-2b0f4fe0 ps7\">Structured note issuance related<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9225 ss2041\"><div><div class=\"ps2158 ss70\"><span class=\"f charStyle-2b0f4fe0 ps7\">SDFI GP S.\u00e1 r.l.<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17383 ss2043\"><div><div class=\"ps2158 ss2042\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fund management entity<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps17385 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^ <span style=\"display:inline-block;height:5.81pt;width:9.82pt\"></span></span><span class=\"ps968\">During the year, the Group liquidated a residual tranche holding in Gresham Leasing One Limited structured entity which subsequently resulted in the deconsolidation </span></span></div><div class=\"ps17386 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">of the SPV and its related assets and liabilities.</span></div><div class=\"ps17387 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">Details of the risks to which the Group is exposed through all of its securitisations are included in the notes to risk and capital <span class=\"f ps2\"> </span></span></div><div class=\"ps17390 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">management on page </span><span class=\"f charStyle-4cea0f20 ps17388\"><a class=\"Hyperlink\" href=\"#iccba24ea0cd14a1fbe74568356c33a8e_442\" style=\"z-index:1\">180</a></span><span class=\"f charStyle-2bfb2495 ps17389\">.<span class=\"f ps2\"> </span></span></div></div><div class=\"ps17392 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The key assumptions for the main types of structured entities which the Group consolidates are summarised below:</span></div><div class=\"ps17393 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Securitised residential mortgages</span></div><div class=\"ps17394 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group has securitised residential mortgages in order to provide investors with exposure to residential mortgage risk and to </span></div><div class=\"ps17395 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">raise funding. These structured entities are consolidated due to the Group\u2019s holdings of equity notes combined with its control over </span></div><div class=\"ps17396 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">servicing activities. The Group is not required to fund any losses above those incurred on the notes it has retained; such losses are </span></div><div class=\"ps17397 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reflected in any impairment of securitised mortgages as those assets have not been derecognised.</span></div><div class=\"ps17398 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Structured debt and loan portfolios</span></div><div class=\"ps17399 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group has structured debt and loan portfolios for the purpose of issuing asset-backed securities. These structured entities are <span class=\"f ps2\"> </span></span></div><div class=\"ps17400 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">consolidated due to the Group\u2019s retention of equity notes and because it continues to act as the collateral manager. The Group is </span></div><div class=\"ps17401 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">not required to fund any losses above those incurred on the notes it has retained.</span></div><div class=\"ps17402 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Securitised receivables</span></div><div class=\"ps17403 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group has securitised portfolios of medium-term lease and hire purchase receivables. These structured entities are </span></div><div class=\"ps17404 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">consolidated as the Group has retained the equity notes and control over servicing activities. The Group is not required to fund </span></div><div class=\"ps17405 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">any\u00a0losses above those incurred on the notes it has retained.</span></div><div class=\"ps17406 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Other structured entities \u2013 commercial operations</span></div><div class=\"ps17407 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group also consolidates a number of structured entities where control arises from rights attached to lending facilities and </span></div><div class=\"ps17408 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">similar commercial involvement. These arise primarily in the areas of aircraft funds, where the Group has rights which allow it </span></div><div class=\"ps17411 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">to\u00a0maximise the value of the assets held and investments in mining projects due to its exposure to e</span><span class=\"f charStyle-33e1c6d6 ps17409\">quity-</span><span class=\"f charStyle-33e1c6d6 ps17410\">like returns and ability </span></div><div class=\"ps17412 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">to\u00a0influence the strategic and financial decision-making.</span></div><div class=\"ps17413 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group is not required to fund any losses above those which could be incurred on debt positions held or swaps which exist </span></div><div class=\"ps17414 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">with\u00a0these structured entities. The risks to which the Group is exposed from these structured entities are related to the underlying </span></div><div class=\"ps17415 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">assets held in the structures. </span></div><div class=\"ps17416 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Significant restrictions</span></div><div class=\"ps17417 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">As is typical for a large group of companies, there are restrictions on the ability of the Group to obtain distributions of capital, </span></div><div class=\"ps17418 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">access the assets or repay the liabilities of members of the Group due to the statutory, regulatory and contractual requirements </span></div><div class=\"ps17419 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of\u00a0its subsidiaries. </span></div><div class=\"ps17420 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">These are considered below:</span></div><div class=\"ps17421 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">Regulatory requirements</span></div><div class=\"ps17422 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Subsidiary companies are subject to prudential regulation and regulatory capital requirements in the countries in which they are </span></div><div class=\"ps17423 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">regulated. These require entities to maintain minimum capital, leverage and exposure ratios restricting the ability of these entities </span></div><div class=\"ps17424 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">to\u00a0make distributions of cash or other assets to the parent company. Regulated subsidiaries of the Group are required to maintain </span></div><div class=\"ps17425 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">liquidity pools to meet PRA and local regulatory requirements. The main subsidiaries affected are: Investec Bank plc, Investec Bank </span></div><div class=\"ps17426 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">(Channel Islands) Limited and Investec Bank (Switzerland) AG, which must maintain compliance with the regulatory minimum.</span></div><div class=\"ps17433 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">Capital management within the Group is discussed in the notes to risk and capital management on </span><span class=\"f charStyle-2bfb2495 ps17427\">pages</span><span class=\"f charStyle-2bfb2495 ps17428\"> </span><span class=\"f charStyle-4cea0f20 ps17429\"><a class=\"Hyperlink\" href=\"#iccba24ea0cd14a1fbe74568356c33a8e_457\" style=\"z-index:1\">195</a></span><span class=\"f charStyle-2bfb2495 ps17430\"> to </span><span class=\"f charStyle-4cea0f20 ps17431\"><a class=\"Hyperlink\" href=\"#i283a065ee6314f40a85b8c13c45a2235_18405\" style=\"z-index:1\">197</a></span><span class=\"f charStyle-2bfb2495 ps17432\">.</span></div><div class=\"ps17434 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">Statutory requirements</span></div><div class=\"ps17435 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group\u2019s subsidiaries are subject to statutory requirements not to make distributions of capital and unrealised profits, </span></div><div class=\"ps17436 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and\u00a0generally maintain solvency. These requirements restrict the ability of subsidiaries to remit dividends, except in the case </span></div><div class=\"ps17437 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of\u00a0a\u00a0legal capital reduction or liquidation.</span></div><div class=\"ps17438 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">Contractual requirements</span></div><div class=\"ps17439 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Asset encumbrance \u2013 the Group uses its financial assets to raise finance in the form of securitisations and through the liquidity </span></div><div class=\"ps17440 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">schemes of central banks. Once encumbered, the assets are not available for transfer around the Group. The assets typically </span></div><div class=\"ps17446 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">affected are disclosed in </span><span class=\"f charStyle-33e1c6d6 ps17441\">notes</span><span class=\"f charStyle-33e1c6d6 ps17442\"> </span><span class=\"f charStyle-33e1c6d6 ps17443\">17</span><span class=\"f charStyle-33e1c6d6 ps17444\"> and </span><span class=\"f charStyle-33e1c6d6 ps4853\">52</span><span class=\"f charStyle-33e1c6d6 ps17445\">.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInvestmentsAccountedForUsingEquityMethodExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-931": {
   "value": "<div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_307\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:14.43pt\">25<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15021\" style=\"width:5.86pt\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15022\" style=\"width:348.01pt\">Interests in associated undertakings and joint venture holdings<span class=\"f ps2\"> </span></span></div><div class=\"ps72 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss1718 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:369.75pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss1871\"><div><div class=\"ps809 ss1870\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14632 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15023 ss1872\"><div><div class=\"ps11070 ss1310\"><span class=\"f charStyle-8d4b9b37 ps1118\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1873\"><div><div class=\"ps4014 ss1870\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interests in associated undertakings and joint venture holdings consist of:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3425 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Net asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15024 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.14pt\"></span></span><span class=\"ps11498\">244\u00a0443<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15026 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.33pt\"></span></span><span class=\"ps15025\">225\u00a0068<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps6433 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Goodwill and intangibles within the carrying value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15027 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.84pt\"></span></span><span class=\"ps14816\">607\u00a0424<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15029 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.76pt\"></span></span><span class=\"ps15028\">607\u00a0073<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14752 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-b7f6e8e5 ps7\">Investment in associated undertakings and joint venture holdings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps15030 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.27pt\"></span></span><span class=\"ps4137\">851\u00a0867<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15031 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.55pt\"></span></span><span class=\"ps14986\">832\u00a0141<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14755 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Associated undertakings and joint venture holdings comprise listed and unlisted investments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4015 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-b7f6e8e5 ps7\">Analysis of the movement in our share of net assets:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps338 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15032 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.83pt\"></span></span><span class=\"ps11699\">225\u00a0068<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15033 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.55pt\"></span></span><span class=\"ps14986\">202\u00a0735<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4656 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Exchange adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15034 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.16pt\"></span></span><span class=\"ps11882\">(4\u00a0134)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15036 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.35pt\"></span></span><span class=\"ps15035\">(864)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9375 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Rathbones measurement period finalisation^^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15037 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15038 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.66pt\"></span></span><span class=\"ps12188\">53\u00a0369<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4478 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Change in shareholding<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15040 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.73pt\"></span></span><span class=\"ps15039\">(7\u00a0580)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15041 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps328 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Disposals<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15042 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.65pt\"></span></span><span class=\"ps12208\">(1\u00a0952)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15043 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15044 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Transfer from investment portfolio^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15045 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15047 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.14pt\"></span></span><span class=\"ps15046\">27\u00a0835<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15048 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Acquisitions of intangibles within associates<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15049 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.11pt\"></span></span><span class=\"ps12308\">(8\u00a0171)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15050 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4485 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Share of post-taxation profits of associates and joint venture holdings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15052 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.74pt\"></span></span><span class=\"ps15051\">75\u00a0331<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15054 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.78pt\"></span></span><span class=\"ps15053\">47\u00a0233<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1617 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Share of other comprehensive income and equity of associates and joint venture holdings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15055 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.57pt\"></span></span><span class=\"ps12177\">7\u00a0907<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15056 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.58pt\"></span></span><span class=\"ps12643\">(12\u00a0252)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2541 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Dividends received<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15057 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.59pt\"></span></span><span class=\"ps4132\">(42\u00a0026)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15058 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.22pt\"></span></span><span class=\"ps11385\">(92\u00a0988)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps2392 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-b7f6e8e5 ps7\">At the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps15060 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.1pt\"></span></span><span class=\"ps15059\">244\u00a0443<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15061 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.25pt\"></span></span><span class=\"ps136\">225\u00a0068<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2396 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-b7f6e8e5 ps7\">Analysis of the movement in goodwill and intangibles:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#FFFFFF;padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8900 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15063 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.26pt\"></span></span><span class=\"ps15062\">607\u00a0073<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15065 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.59pt\"></span></span><span class=\"ps15064\">654\u00a0512<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4714 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Exchange adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15066 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.95pt\"></span></span><span class=\"ps11334\">(352)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15068 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.69pt\"></span></span><span class=\"ps15067\">(188)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8902 ss1871\"><div><div class=\"ps815 ss1870\" style=\"font-size:12pt\"><span class=\"f charStyle-9458d4de ps7\">Rathbones measurement period finalisation^^</span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15069 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15070 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.67pt\"></span></span><span class=\"ps11376\">(47\u00a0601)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12290 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Change in shareholding<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15071 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.32pt\"></span></span><span class=\"ps14101\">7\u00a0580<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15072 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1634 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Acquisitions of intangibles within associates<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15073 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.7pt\"></span></span><span class=\"ps11183\">8\u00a0171<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15074 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps61 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Transfer from investment portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15075 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15076 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.4pt\"></span></span><span class=\"ps9248\">6\u00a0662<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15077 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Share of post-taxation amortisation of acquired intangibles of associates<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15078 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.92pt\"></span></span><span class=\"ps9246\">(15\u00a0048)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15079 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.9pt\"></span></span><span class=\"ps14763\">(6\u00a0312)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15080 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-b7f6e8e5 ps7\">At the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15082 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.63pt\"></span></span><span class=\"ps15081\">607\u00a0424<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15084 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.45pt\"></span></span><span class=\"ps15083\">607\u00a0073<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps15085 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^ <span style=\"display:inline-block;height:5.81pt;width:9.82pt\"></span></span><span class=\"ps968\">Historically, Investec Capital Services (India) Pvt Ltd (ICSI) has been a joint venture, accounted for at fair value and presented within the investment portfolio. As a </span></span></div><div class=\"ps15086 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">result of a change in strategy in relation to the investments in the prior year, it was determined that it was no longer appropriate to apply fair value accounting. The </span></div><div class=\"ps15087 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">investment has therefore been equity accounted from the date of this change.</span></div><div class=\"ps15088 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^^<span style=\"display:inline-block;height:5.81pt;width:8.83pt\"></span></span><span class=\"ps968\">Following the acquisition of Rathbones, the Group finalised the purchase price allocation in the prior year. The acquisition date fair values of identifiable assets, </span></span></div><div class=\"ps15089 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">liabilities, and contingent liabilities were assessed and allocated appropriately to intangible assets with the residual value being recognised as goodwill. This process </span></div><div class=\"ps15090 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">resulted in an increase in net assets of \u00a353.4 million and a decrease in goodwill and intangibles of \u00a347.6 million. As the impact on the financial statements was </span></div><div class=\"ps15091 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">immaterial, these were adjusted for prospectively in the prior year.</span></div></div><div class=\"ps24 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:14.43pt\">25</span><span class=\"f charStyle-f6a3ab10 ps15021\" style=\"width:5.86pt\">. </span><span class=\"f charStyle-f6a3ab10 ps15022\" style=\"width:348.01pt\">Interests in associated undertakings and joint venture holdings</span><span class=\"f charStyle-f6a3ab10 ps15095\" style=\"width:67.74pt\"> (continued)</span></div><div class=\"ps72 ss8\"><div class=\"ss275 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:375.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13839 ss1874\"><div><div class=\"ps809 ss43\"><span class=\"f charStyle-a26246ce ps11537\">Rathbones Group plc<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15096 ss929\"><div><div class=\"ps809 ss818\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps11465\">2026</span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15097 ss929\"><div><div class=\"ps809 ss818\"><span class=\"f charStyle-8d4b9b37 ps4194\">2025<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps817 ss1876\"><div><div class=\"ps997 ss1875\"><span class=\"f charStyle-b7f6e8e5 ps7\">Details of material associated undertakings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9200 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-b7f6e8e5 ps7\">Summarised financial information (\u00a3\u2019000):<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9204 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-2b0f4fe0 ps7\">Operating income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15098 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.33pt\"></span></span><span class=\"ps128\">923\u00a0304<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15099 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.31pt\"></span></span><span class=\"ps8585\">895\u00a0875<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4003 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-2b0f4fe0 ps7\">Profit after taxation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15100 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.29pt\"></span></span><span class=\"ps9311\">112\u00a0337<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15102 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.29pt\"></span></span><span class=\"ps15101\">65\u00a0398<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4562 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other comprehensive income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15104 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.13pt\"></span></span><span class=\"ps15103\">68<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15106 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.01pt\"></span></span><span class=\"ps15105\">(7\u00a0967)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9218 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-2b0f4fe0 ps7\">Total comprehensive income after non-controlling interests<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15107 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.18pt\"></span></span><span class=\"ps2227\">112\u00a0405<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15108 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.76pt\"></span></span><span class=\"ps9988\">57\u00a0431<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps220 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-2b0f4fe0 ps7\">Total assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15109 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.64pt\"></span></span><span class=\"ps3444\">5\u00a0217\u00a0232<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15111 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.65pt\"></span></span><span class=\"ps15110\">4\u00a0290\u00a0034<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9234 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-2b0f4fe0 ps7\">Total liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15113 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.02pt\"></span></span><span class=\"ps15112\">3\u00a0865\u00a0209<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15115 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.27pt\"></span></span><span class=\"ps15114\">2\u00a0930\u00a0672<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9241 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps15117 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.37pt\"></span></span><span class=\"ps15116\">1\u00a0352\u00a0023<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15119 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.35pt\"></span></span><span class=\"ps15118\">1\u00a0359\u00a0362<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9245 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-2b0f4fe0 ps7\">Effective interest in issued share capital<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15121 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps15120\">43.23%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15123 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps15122\">41.25%<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3337 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-2b0f4fe0 ps7\">Our share of net asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13908 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.58pt\"></span></span><span class=\"ps15124\">584\u00a0480<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13910 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.4pt\"></span></span><span class=\"ps9295\">560\u00a0737<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9254 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-2b0f4fe0 ps7\">Less: Goodwill and intangibles net of deferred tax per Rathbones<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15126 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.82pt\"></span></span><span class=\"ps15125\">(375\u00a0851)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15127 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.87pt\"></span></span><span class=\"ps10534\">(368\u00a0604)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps289 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-2b0f4fe0 ps7\">Add: Goodwill and Investec\u2019s share of intangible assets net of deferred tax<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15128 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.02pt\"></span></span><span class=\"ps11741\">601\u00a0301<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15130 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.81pt\"></span></span><span class=\"ps15129\">600\u00a0599<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8433 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-9458d4de ps7\">Carrying value of interest \u2013 equity method</span><span class=\"f charStyle-70e7a25b ps15131\"><span class=\"f ps2\"> </span><sup>^</sup></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15133 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.55pt\"></span></span><span class=\"ps15132\">809\u00a0930<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15135 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.32pt\"></span></span><span class=\"ps15134\">792\u00a0732<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps6660 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-b7f6e8e5 ps7\">Fair value of investment\u00a0 in Rathbones Group<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15136 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.68pt\"></span></span><span class=\"ps8554\">886\u00a0313<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15138 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.12pt\"></span></span><span class=\"ps15137\">692\u00a0126<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps15139 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^ <span style=\"display:inline-block;height:5.81pt;width:9.82pt\"></span></span><span class=\"ps968\">The difference between the carrying value of Rathbones and the net asset value relates to intangible assets, and goodwill that was recognised in the carrying value as </span></span></div><div class=\"ps15140 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">a direct result of the fair value exceeding the fair value of the identifiable assets at acquisition date.</span></div><div class=\"ps15142 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-1c646849 ps23\">Rathbones has a statutory year end of 31 December and the Group recognises its share of earnings on a three months in arrears basis due to the </span></div><div class=\"ps15143 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-1c646849 ps23\">difference in reporting dates between Rathbones and the Group. The financial information presented above aligns with this reporting date. Our </span></div><div class=\"ps15144 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-1c646849 ps23\">share of profit of associates for the current financial year was based on an average effective 43.15% for the year. The year end effective holding </span></div><div class=\"ps15145 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-1c646849 ps23\">takes into account movement in treasury shares to 31 December, as well as share buybacks during the period. </span></div><div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_394\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">49<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16234\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16235\">Principal subsidiaries, associated companies and joint venture holdings \u2013\u00a0 \u00a0 \u00a0 \u00a0 <span class=\"f ps2\"> </span></span></div><div class=\"ps8702 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Investec plc<span class=\"f ps2\"> </span></span></div><div class=\"ps8704 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:90pt\"></td><td style=\"padding:0;width:78pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"4\" style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps2813 ss1620\"><div><div class=\"ps809 ss1514\"><span class=\"f charStyle-a26246ce ps10333\">Effective interest<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17298 ss2033\"><div><div class=\"ps11070 ss161\"><span class=\"f charStyle-8d4b9b37 ps7\">Principal activity<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17299 ss2034\"><div><div class=\"ps15205 ss1256\"><span class=\"f charStyle-8d4b9b37 ps7\">Country of <span class=\"f ps2\"> </span></span></div><div class=\"ps11070 ss1256\"><span class=\"f charStyle-8d4b9b37 ps7\">incorporation<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2815 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2473 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-8d4b9b37 ps9195\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps817 ss2035\"><div><div class=\"ps4014 ss969\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps3425 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-b7f6e8e5 ps7\">Direct subsidiaries of Investec plc<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps6433 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-9458d4de ps7\">Investec 1 Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17300 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment holding<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17301 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">England and Wales<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14749 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14751 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14752 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-b7f6e8e5 ps7\">Indirect subsidiaries of Investec plc<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14755 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Asset Finance plc<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17302 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Leasing<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17303 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">England and Wales<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14757 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14759 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4015 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Bank plc<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17304 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment holding<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17305 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">England and Wales<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14760 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14761 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps338 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Bank (Channel Islands) Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17306 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Banking institution<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17307 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">Guernsey<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15785 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15786 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"padding:0\"><div class=\"ps4656 ss2037\"><div><div class=\"ps2632 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Bank (Switzerland) AG<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17308 ss1099\"><div><div class=\"ps997 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Banking institution and <span class=\"f ps2\"> </span></span></div><div class=\"ps2366 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">wealth manager<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17309 ss2038\"><div><div class=\"ps2366 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">Switzerland<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11824 ss1671\"><div><div class=\"ps2366 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11825 ss1671\"><div><div class=\"ps2366 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13758 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Group Investments (UK) Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17310 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment holding<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17311 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">England and Wales<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15705 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11907 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2618 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Holdings Australia Pty Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17312 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Holding company<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17313 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">Australia<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17314 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps17315 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13812 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-9458d4de ps7\">Investec Investments (UK) Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17316 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment holding<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17317 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">England and Wales<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17318 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps17319 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps17320 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Europe Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17321 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">MiFiD firm<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17322 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">Ireland<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17323 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps17324 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps15914 ss970\"><div><div class=\"ps2754 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Securities (US) LLC<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17325 ss2039\"><div><div class=\"ps2754 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Financial services<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17326 ss2040\"><div><div class=\"ps2754 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">USA<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17327 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps17328 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4319 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Capitalmind Investment Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17329 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Non-trading<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17330 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">England and Wales<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14862 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14863 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4325 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Continental Europe Advisory BV<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17331 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Non-trading<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17332 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">Netherlands<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14868 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps882\"></span><span class=\"ps882\">60%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14869 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps882\"></span><span class=\"ps882\">60%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4331 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Advisory SAS<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17333 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Advisory services<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17334 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">France<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14877 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps882\"></span><span class=\"ps882\">60%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14878 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps882\"></span><span class=\"ps882\">60%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4338 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Advisory GmbH &amp; Co. KG<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17335 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Advisory services<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17336 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">Germany<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17337 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps882\"></span><span class=\"ps882\">60%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps17338 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps882\"></span><span class=\"ps882\">60%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4343 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Advisory B.V<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17339 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Advisory services<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17340 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">Netherlands<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14884 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps882\"></span><span class=\"ps882\">60%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14886 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps882\"></span><span class=\"ps882\">60%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4344 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Advisory AG<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17341 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Advisory services<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17342 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">Switzerland<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14891 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps13543\"></span><span class=\"ps13543\">36%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14893 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2556 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Advisory A/S<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17343 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Advisory services<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17344 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">Denmark<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14900 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps882\"></span><span class=\"ps882\">60%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2560 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2561 ss970\"><div><div class=\"ps2754 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec International Private Office Limited <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17345 ss2039\"><div><div class=\"ps2754 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Financial services<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17346 ss2040\"><div><div class=\"ps2754 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">United Kingdom<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14908 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2565 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps17347 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Investec share trusts</span></div><div class=\"ps17348 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">As a result of being able to appoint the Trustees and the purpose of the trusts being the remuneration of the Group\u2019s staff, the </span></div><div class=\"ps17349 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group consolidates the following share trusts, which facilitate share\u2011based awards on behalf of the Group: The Investec Plc Jersey </span></div><div class=\"ps17350 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Trust Number 1.</span></div><div class=\"ps17351 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">All of the above subsidiary undertakings are included in the consolidated accounts.<span class=\"f ps2\"> </span></span></div><div class=\"ps17352 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The subsidiaries listed above are only in relation to subsidiary undertakings whose results or financial position, in the opinion of the <span class=\"f ps2\"> </span></span></div><div class=\"ps17353 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">directors, have a significant impact on the financial statements.<span class=\"f ps2\"> </span></span></div><div class=\"ps17358 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For more details on interests in associated undertakings and joint venture holdings refer to </span><span class=\"f charStyle-33e1c6d6 ps17354\">note<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps17355\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps17356\">25<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps17357\">.</span></div><div class=\"ps17359 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">A complete list of subsidiary, associated undertakings and joint venture holdings as required by the Companies Act 2006 is <span class=\"f ps2\"> </span></span></div><div class=\"ps17368 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">included in </span><span class=\"f charStyle-2bfb2495 ps17360\">note<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps17361\"> j to the Investec plc company accounts on <span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps17362\">pages</span><span class=\"f charStyle-2bfb2495 ps17363\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-4cea0f20 ps17364\"><a class=\"Hyperlink\" href=\"#iccba24ea0cd14a1fbe74568356c33a8e_472\" style=\"z-index:1\">205</a></span><span class=\"f charStyle-2bfb2495 ps17365\"> to </span><span class=\"f charStyle-4cea0f20 ps17366\"><a class=\"Hyperlink\" href=\"#i6ba28601cc6145d7b48627c49f6a6e28_214\" style=\"z-index:1\">209</a></span><span class=\"f charStyle-2bfb2495 ps17367\">.</span></div><div class=\"ps17369 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Consolidated structured entities<span class=\"f ps2\"> </span></span></div><div class=\"ps17370 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec plc has no equity interest in the following structured entities, which are consolidated. Typically, a structured entity is an <span class=\"f ps2\"> </span></span></div><div class=\"ps17371 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">entity in which voting or similar rights are not the dominant factor in deciding control. The judgements to assess whether the Group </span></div><div class=\"ps17372 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">has control over these structures include assessing the purpose and design of the entity and considering whether the Group or </span></div><div class=\"ps17373 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">another involved party with power over the relevant activities is acting as a principal in its own right or as an agent on behalf of <span class=\"f ps2\"> </span></span></div><div class=\"ps17374 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">others.</span></div><div class=\"ps17384 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:230.25pt\"></td><td style=\"padding:0;width:7.5pt\"></td><td style=\"padding:0;width:243pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#131721;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19 ss2041\"><div><div class=\"ps1783 ss70\"><span class=\"f charStyle-30ab31c8 ps7\">Name of principal structured entity<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#131721;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#131721;border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss2043\"><div><div class=\"ps1783 ss2042\"><span class=\"f charStyle-30ab31c8 ps7\">Type of structured entity<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2724 ss2041\"><div><div class=\"ps2158 ss70\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cavern Funding 2020 plc<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps17375 ss2043\"><div><div class=\"ps2158 ss2042\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securitised auto receivables<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4066 ss2041\"><div><div class=\"ps2158 ss70\"><span class=\"f charStyle-2b0f4fe0 ps7\">Temese Funding 2 plc<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps17376 ss2043\"><div><div class=\"ps2158 ss2042\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securitised receivables<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3516 ss2041\"><div><div class=\"ps2158 ss70\"><span class=\"f charStyle-2b0f4fe0 ps7\">Gresham Leasing One Limited^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps17377 ss2043\"><div><div class=\"ps2158 ss2042\"><span class=\"f charStyle-2b0f4fe0 ps7\">Aircraft related<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4077 ss2044\"><div><div class=\"ps5733 ss70\"><span class=\"f charStyle-2b0f4fe0 ps7\">KF Turbo Leasing Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps17380 ss2045\"><div><div class=\"ps5733 ss2042\"><span class=\"f charStyle-2b0f4fe0 ps7\">Dormant Company<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps14755 ss2041\"><div><div class=\"ps2158 ss70\"><span class=\"f charStyle-2b0f4fe0 ps7\">Zebra Aviation Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps17381 ss2043\"><div><div class=\"ps2158 ss2042\"><span class=\"f charStyle-2b0f4fe0 ps7\">Aircraft leasing<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps849 ss2041\"><div><div class=\"ps2158 ss70\"><span class=\"f charStyle-2b0f4fe0 ps7\">Zebra Capital II Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17382 ss2043\"><div><div class=\"ps2158 ss2042\"><span class=\"f charStyle-2b0f4fe0 ps7\">Structured note issuance related<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9225 ss2041\"><div><div class=\"ps2158 ss70\"><span class=\"f charStyle-2b0f4fe0 ps7\">SDFI GP S.\u00e1 r.l.<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17383 ss2043\"><div><div class=\"ps2158 ss2042\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fund management entity<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps17385 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^ <span style=\"display:inline-block;height:5.81pt;width:9.82pt\"></span></span><span class=\"ps968\">During the year, the Group liquidated a residual tranche holding in Gresham Leasing One Limited structured entity which subsequently resulted in the deconsolidation </span></span></div><div class=\"ps17386 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">of the SPV and its related assets and liabilities.</span></div><div class=\"ps17387 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">Details of the risks to which the Group is exposed through all of its securitisations are included in the notes to risk and capital <span class=\"f ps2\"> </span></span></div><div class=\"ps17390 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">management on page </span><span class=\"f charStyle-4cea0f20 ps17388\"><a class=\"Hyperlink\" href=\"#iccba24ea0cd14a1fbe74568356c33a8e_442\" style=\"z-index:1\">180</a></span><span class=\"f charStyle-2bfb2495 ps17389\">.<span class=\"f ps2\"> </span></span></div></div><div class=\"ps17392 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The key assumptions for the main types of structured entities which the Group consolidates are summarised below:</span></div><div class=\"ps17393 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Securitised residential mortgages</span></div><div class=\"ps17394 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group has securitised residential mortgages in order to provide investors with exposure to residential mortgage risk and to </span></div><div class=\"ps17395 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">raise funding. These structured entities are consolidated due to the Group\u2019s holdings of equity notes combined with its control over </span></div><div class=\"ps17396 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">servicing activities. The Group is not required to fund any losses above those incurred on the notes it has retained; such losses are </span></div><div class=\"ps17397 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reflected in any impairment of securitised mortgages as those assets have not been derecognised.</span></div><div class=\"ps17398 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Structured debt and loan portfolios</span></div><div class=\"ps17399 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group has structured debt and loan portfolios for the purpose of issuing asset-backed securities. These structured entities are <span class=\"f ps2\"> </span></span></div><div class=\"ps17400 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">consolidated due to the Group\u2019s retention of equity notes and because it continues to act as the collateral manager. The Group is </span></div><div class=\"ps17401 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">not required to fund any losses above those incurred on the notes it has retained.</span></div><div class=\"ps17402 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Securitised receivables</span></div><div class=\"ps17403 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group has securitised portfolios of medium-term lease and hire purchase receivables. These structured entities are </span></div><div class=\"ps17404 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">consolidated as the Group has retained the equity notes and control over servicing activities. The Group is not required to fund </span></div><div class=\"ps17405 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">any\u00a0losses above those incurred on the notes it has retained.</span></div><div class=\"ps17406 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Other structured entities \u2013 commercial operations</span></div><div class=\"ps17407 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group also consolidates a number of structured entities where control arises from rights attached to lending facilities and </span></div><div class=\"ps17408 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">similar commercial involvement. These arise primarily in the areas of aircraft funds, where the Group has rights which allow it </span></div><div class=\"ps17411 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">to\u00a0maximise the value of the assets held and investments in mining projects due to its exposure to e</span><span class=\"f charStyle-33e1c6d6 ps17409\">quity-</span><span class=\"f charStyle-33e1c6d6 ps17410\">like returns and ability </span></div><div class=\"ps17412 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">to\u00a0influence the strategic and financial decision-making.</span></div><div class=\"ps17413 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group is not required to fund any losses above those which could be incurred on debt positions held or swaps which exist </span></div><div class=\"ps17414 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">with\u00a0these structured entities. The risks to which the Group is exposed from these structured entities are related to the underlying </span></div><div class=\"ps17415 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">assets held in the structures. </span></div><div class=\"ps17416 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Significant restrictions</span></div><div class=\"ps17417 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">As is typical for a large group of companies, there are restrictions on the ability of the Group to obtain distributions of capital, </span></div><div class=\"ps17418 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">access the assets or repay the liabilities of members of the Group due to the statutory, regulatory and contractual requirements </span></div><div class=\"ps17419 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of\u00a0its subsidiaries. </span></div><div class=\"ps17420 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">These are considered below:</span></div><div class=\"ps17421 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">Regulatory requirements</span></div><div class=\"ps17422 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Subsidiary companies are subject to prudential regulation and regulatory capital requirements in the countries in which they are </span></div><div class=\"ps17423 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">regulated. These require entities to maintain minimum capital, leverage and exposure ratios restricting the ability of these entities </span></div><div class=\"ps17424 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">to\u00a0make distributions of cash or other assets to the parent company. Regulated subsidiaries of the Group are required to maintain </span></div><div class=\"ps17425 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">liquidity pools to meet PRA and local regulatory requirements. The main subsidiaries affected are: Investec Bank plc, Investec Bank </span></div><div class=\"ps17426 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">(Channel Islands) Limited and Investec Bank (Switzerland) AG, which must maintain compliance with the regulatory minimum.</span></div><div class=\"ps17433 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">Capital management within the Group is discussed in the notes to risk and capital management on </span><span class=\"f charStyle-2bfb2495 ps17427\">pages</span><span class=\"f charStyle-2bfb2495 ps17428\"> </span><span class=\"f charStyle-4cea0f20 ps17429\"><a class=\"Hyperlink\" href=\"#iccba24ea0cd14a1fbe74568356c33a8e_457\" style=\"z-index:1\">195</a></span><span class=\"f charStyle-2bfb2495 ps17430\"> to </span><span class=\"f charStyle-4cea0f20 ps17431\"><a class=\"Hyperlink\" href=\"#i283a065ee6314f40a85b8c13c45a2235_18405\" style=\"z-index:1\">197</a></span><span class=\"f charStyle-2bfb2495 ps17432\">.</span></div><div class=\"ps17434 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">Statutory requirements</span></div><div class=\"ps17435 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group\u2019s subsidiaries are subject to statutory requirements not to make distributions of capital and unrealised profits, </span></div><div class=\"ps17436 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and\u00a0generally maintain solvency. These requirements restrict the ability of subsidiaries to remit dividends, except in the case </span></div><div class=\"ps17437 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of\u00a0a\u00a0legal capital reduction or liquidation.</span></div><div class=\"ps17438 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">Contractual requirements</span></div><div class=\"ps17439 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Asset encumbrance \u2013 the Group uses its financial assets to raise finance in the form of securitisations and through the liquidity </span></div><div class=\"ps17440 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">schemes of central banks. Once encumbered, the assets are not available for transfer around the Group. The assets typically </span></div><div class=\"ps17446 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">affected are disclosed in </span><span class=\"f charStyle-33e1c6d6 ps17441\">notes</span><span class=\"f charStyle-33e1c6d6 ps17442\"> </span><span class=\"f charStyle-33e1c6d6 ps17443\">17</span><span class=\"f charStyle-33e1c6d6 ps17444\"> and </span><span class=\"f charStyle-33e1c6d6 ps4853\">52</span><span class=\"f charStyle-33e1c6d6 ps17445\">.</span></div><div class=\"ps17447 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Structured associates</span></div><div class=\"ps17448 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group has investments in a number of structured funds specialising in aircraft financing where the Group acts as adviser </span></div><div class=\"ps17449 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">or\u00a0fund manager in addition to holding units within the fund. As a consequence of these roles and funding, the Group has </span></div><div class=\"ps17450 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">significant\u00a0influence over the fund and therefore the funds are treated as associates.</span></div><div class=\"ps17396 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group applies the venture capital exemption to these holdings and, as such, the investments in the funds are accounted for </span></div><div class=\"ps17397 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">at\u00a0fair value and held within the investment portfolio on the balance sheet.</span></div><div class=\"ps17457 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:150pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:150.75pt\"></td><td style=\"padding:0;width:177pt\"></td></tr><tr style=\"height:15pt\"><td style=\"background-color:#131721;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss2046\"><div><div class=\"ps17451 ss1212\"><span class=\"f charStyle-cd36821c ps7\">Type of structured entity<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#131721;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#131721;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17452 ss2047\"><div><div class=\"ps17451 ss317\"><span class=\"f charStyle-cd36821c ps7\">Nature and purpose<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#131721;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16578 ss2048\"><div><div class=\"ps17451 ss786\"><span class=\"f charStyle-cd36821c ps7\">Interest held by the Group/income earned<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:23.25pt\"><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3538 ss2049\"><div><div class=\"ps2632 ss1212\"><span class=\"f charStyle-b7f6e8e5 ps7\">Aircraft investment funds<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17453 ss2050\"><div><div class=\"ps997 ss317\"><span class=\"f charStyle-2b0f4fe0 ps7\">To generate fees from managing assets <span class=\"f ps2\"> </span></span></div><div class=\"ps2366 ss317\"><span class=\"f charStyle-2b0f4fe0 ps7\">on behalf of third party investors<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17454 ss2051\"><div><div class=\"ps2632 ss786\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investments in units issued by the fund<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:23.25pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17455 ss2050\"><div><div class=\"ps997 ss317\"><span class=\"f charStyle-2b0f4fe0 ps7\">These vehicles are financed through the <span class=\"f ps2\"> </span></span></div><div class=\"ps2366 ss317\"><span class=\"f charStyle-2b0f4fe0 ps7\">issue of units to investors<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17456 ss2051\"><div><div class=\"ps2632 ss786\"><span class=\"f charStyle-2b0f4fe0 ps7\">Management fees<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps17459 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps2861\">The table below sets out an analysis of the carrying amounts of interests held by the Group in structured associate entities</span><span class=\"f charStyle-4646bb92 ps17458\">.</span></div><div class=\"ps17469 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:159pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:75.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:75.75pt\"></td><td style=\"padding:0;width:75.75pt\"></td><td style=\"padding:0;width:42.75pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:18pt\"><td style=\"padding:0\"><div class=\"ps19 ss2052\"><div><div class=\"ps13322 ss64\"><span class=\"f charStyle-a26246ce ps7\">At 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps85 ss2053\"><div><div class=\"ps985 ss798\"><span class=\"f charStyle-a26246ce ps7\">Line on the balance <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss798\"><span class=\"f charStyle-a26246ce ps7\">sheet<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps296 ss1813\"><div><div class=\"ps989 ss1812\"><span class=\"f charStyle-a26246ce ps9721\">Carrying <span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss1812\"><span class=\"f charStyle-a26246ce ps15390\">value<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss1812\"><span class=\"f charStyle-a26246ce ps586\"> \u00a3'000<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17460 ss2053\"><div><div class=\"ps985 ss798\"><span class=\"f charStyle-a26246ce ps7\">Maximum exposure <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss798\"><span class=\"f charStyle-a26246ce ps7\">to loss<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17461 ss2053\"><div><div class=\"ps985 ss798\"><span class=\"f charStyle-a26246ce ps7\">Income earned from <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss798\"><span class=\"f charStyle-a26246ce ps7\">structured entity<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3721 ss1807\"><div><div class=\"ps983 ss717\"><span class=\"f charStyle-a26246ce ps17462\">\u00a3'000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13498 ss2054\"><div><div class=\"ps4014 ss64\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps998 ss2055\"><div><div class=\"ps2632 ss64\"><span class=\"f charStyle-2b0f4fe0 ps7\">Aircraft investment funds<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17463 ss2056\"><div><div class=\"ps2632 ss798\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17464 ss2057\"><div><div class=\"ps2632 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.14pt\"></span></span><span class=\"ps11498\">13\u00a0816<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17465 ss2056\"><div><div class=\"ps2632 ss798\"><span class=\"f charStyle-2b0f4fe0 ps7\">Limited to the <span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss798\"><span class=\"f charStyle-2b0f4fe0 ps7\">carrying value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17466 ss2056\"><div><div class=\"ps2632 ss798\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17468 ss718\"><div><div class=\"ps2632 ss717\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.24pt\"></span></span><span class=\"ps17467\">4\u00a0802<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps17470 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:159pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:75.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:75.75pt\"></td><td style=\"padding:0;width:75.75pt\"></td><td style=\"padding:0;width:42.75pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:18pt\"><td style=\"padding:0\"><div class=\"ps19 ss2052\"><div><div class=\"ps13322 ss64\"><span class=\"f charStyle-8d4b9b37 ps7\">At 31 March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps85 ss2053\"><div><div class=\"ps985 ss798\"><span class=\"f charStyle-8d4b9b37 ps7\">Line on the balance <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss798\"><span class=\"f charStyle-8d4b9b37 ps7\">sheet<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps296 ss1813\"><div><div class=\"ps989 ss1812\"><span class=\"f charStyle-8d4b9b37 ps16766\">Carrying <span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss1812\"><span class=\"f charStyle-8d4b9b37 ps11101\">value<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss1812\"><span class=\"f charStyle-8d4b9b37 ps14030\"> \u00a3'000<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17460 ss2053\"><div><div class=\"ps985 ss798\"><span class=\"f charStyle-8d4b9b37 ps7\">Maximum exposure to <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss798\"><span class=\"f charStyle-8d4b9b37 ps7\">loss<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17461 ss2053\"><div><div class=\"ps985 ss798\"><span class=\"f charStyle-8d4b9b37 ps7\">Income earned from <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss798\"><span class=\"f charStyle-8d4b9b37 ps7\">structured entity<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3721 ss1807\"><div><div class=\"ps983 ss717\"><span class=\"f charStyle-8d4b9b37 ps12866\">\u00a3'000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13498 ss2054\"><div><div class=\"ps4014 ss64\"><span class=\"f charStyle-6f1c08a8 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps998 ss2055\"><div><div class=\"ps2632 ss64\"><span class=\"f charStyle-2b0f4fe0 ps7\">Aircraft investment funds<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17463 ss2056\"><div><div class=\"ps2632 ss798\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17464 ss2057\"><div><div class=\"ps2632 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.79pt\"></span></span><span class=\"ps16961\">22\u00a0082<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17465 ss2056\"><div><div class=\"ps2632 ss798\"><span class=\"f charStyle-2b0f4fe0 ps7\">Limited to the <span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss798\"><span class=\"f charStyle-2b0f4fe0 ps7\">carrying value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17466 ss2056\"><div><div class=\"ps2632 ss798\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17468 ss718\"><div><div class=\"ps2632 ss717\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.59pt\"></span></span><span class=\"ps15064\">2\u00a0180<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSignificantInvestmentsInAssociatesExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-930": {
   "value": "<div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_307\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:14.43pt\">25<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15021\" style=\"width:5.86pt\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15022\" style=\"width:348.01pt\">Interests in associated undertakings and joint venture holdings<span class=\"f ps2\"> </span></span></div><div class=\"ps72 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss1718 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:369.75pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss1871\"><div><div class=\"ps809 ss1870\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14632 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15023 ss1872\"><div><div class=\"ps11070 ss1310\"><span class=\"f charStyle-8d4b9b37 ps1118\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1873\"><div><div class=\"ps4014 ss1870\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interests in associated undertakings and joint venture holdings consist of:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3425 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Net asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15024 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.14pt\"></span></span><span class=\"ps11498\">244\u00a0443<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15026 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.33pt\"></span></span><span class=\"ps15025\">225\u00a0068<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps6433 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Goodwill and intangibles within the carrying value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15027 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.84pt\"></span></span><span class=\"ps14816\">607\u00a0424<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15029 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.76pt\"></span></span><span class=\"ps15028\">607\u00a0073<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14752 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-b7f6e8e5 ps7\">Investment in associated undertakings and joint venture holdings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps15030 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.27pt\"></span></span><span class=\"ps4137\">851\u00a0867<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15031 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.55pt\"></span></span><span class=\"ps14986\">832\u00a0141<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14755 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Associated undertakings and joint venture holdings comprise listed and unlisted investments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4015 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-b7f6e8e5 ps7\">Analysis of the movement in our share of net assets:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps338 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15032 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.83pt\"></span></span><span class=\"ps11699\">225\u00a0068<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15033 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.55pt\"></span></span><span class=\"ps14986\">202\u00a0735<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4656 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Exchange adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15034 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.16pt\"></span></span><span class=\"ps11882\">(4\u00a0134)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15036 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.35pt\"></span></span><span class=\"ps15035\">(864)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9375 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Rathbones measurement period finalisation^^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15037 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15038 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.66pt\"></span></span><span class=\"ps12188\">53\u00a0369<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4478 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Change in shareholding<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15040 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.73pt\"></span></span><span class=\"ps15039\">(7\u00a0580)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15041 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps328 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Disposals<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15042 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.65pt\"></span></span><span class=\"ps12208\">(1\u00a0952)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15043 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15044 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Transfer from investment portfolio^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15045 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15047 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.14pt\"></span></span><span class=\"ps15046\">27\u00a0835<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15048 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Acquisitions of intangibles within associates<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15049 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.11pt\"></span></span><span class=\"ps12308\">(8\u00a0171)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15050 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4485 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Share of post-taxation profits of associates and joint venture holdings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15052 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.74pt\"></span></span><span class=\"ps15051\">75\u00a0331<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15054 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.78pt\"></span></span><span class=\"ps15053\">47\u00a0233<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1617 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Share of other comprehensive income and equity of associates and joint venture holdings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15055 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.57pt\"></span></span><span class=\"ps12177\">7\u00a0907<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15056 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.58pt\"></span></span><span class=\"ps12643\">(12\u00a0252)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2541 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Dividends received<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15057 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.59pt\"></span></span><span class=\"ps4132\">(42\u00a0026)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15058 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.22pt\"></span></span><span class=\"ps11385\">(92\u00a0988)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps2392 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-b7f6e8e5 ps7\">At the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps15060 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.1pt\"></span></span><span class=\"ps15059\">244\u00a0443<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15061 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.25pt\"></span></span><span class=\"ps136\">225\u00a0068<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2396 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-b7f6e8e5 ps7\">Analysis of the movement in goodwill and intangibles:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#FFFFFF;padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8900 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15063 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.26pt\"></span></span><span class=\"ps15062\">607\u00a0073<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15065 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.59pt\"></span></span><span class=\"ps15064\">654\u00a0512<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4714 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Exchange adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15066 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.95pt\"></span></span><span class=\"ps11334\">(352)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15068 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.69pt\"></span></span><span class=\"ps15067\">(188)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8902 ss1871\"><div><div class=\"ps815 ss1870\" style=\"font-size:12pt\"><span class=\"f charStyle-9458d4de ps7\">Rathbones measurement period finalisation^^</span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15069 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15070 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.67pt\"></span></span><span class=\"ps11376\">(47\u00a0601)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12290 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Change in shareholding<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15071 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.32pt\"></span></span><span class=\"ps14101\">7\u00a0580<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15072 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1634 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Acquisitions of intangibles within associates<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15073 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.7pt\"></span></span><span class=\"ps11183\">8\u00a0171<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15074 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps61 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Transfer from investment portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15075 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15076 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.4pt\"></span></span><span class=\"ps9248\">6\u00a0662<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15077 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-2b0f4fe0 ps7\">Share of post-taxation amortisation of acquired intangibles of associates<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15078 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.92pt\"></span></span><span class=\"ps9246\">(15\u00a0048)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15079 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.9pt\"></span></span><span class=\"ps14763\">(6\u00a0312)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15080 ss1871\"><div><div class=\"ps815 ss1870\"><span class=\"f charStyle-b7f6e8e5 ps7\">At the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15082 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.63pt\"></span></span><span class=\"ps15081\">607\u00a0424<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15084 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.45pt\"></span></span><span class=\"ps15083\">607\u00a0073<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps15085 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^ <span style=\"display:inline-block;height:5.81pt;width:9.82pt\"></span></span><span class=\"ps968\">Historically, Investec Capital Services (India) Pvt Ltd (ICSI) has been a joint venture, accounted for at fair value and presented within the investment portfolio. As a </span></span></div><div class=\"ps15086 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">result of a change in strategy in relation to the investments in the prior year, it was determined that it was no longer appropriate to apply fair value accounting. The </span></div><div class=\"ps15087 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">investment has therefore been equity accounted from the date of this change.</span></div><div class=\"ps15088 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^^<span style=\"display:inline-block;height:5.81pt;width:8.83pt\"></span></span><span class=\"ps968\">Following the acquisition of Rathbones, the Group finalised the purchase price allocation in the prior year. The acquisition date fair values of identifiable assets, </span></span></div><div class=\"ps15089 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">liabilities, and contingent liabilities were assessed and allocated appropriately to intangible assets with the residual value being recognised as goodwill. This process </span></div><div class=\"ps15090 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">resulted in an increase in net assets of \u00a353.4 million and a decrease in goodwill and intangibles of \u00a347.6 million. As the impact on the financial statements was </span></div><div class=\"ps15091 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">immaterial, these were adjusted for prospectively in the prior year.</span></div></div><div class=\"ps24 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:14.43pt\">25</span><span class=\"f charStyle-f6a3ab10 ps15021\" style=\"width:5.86pt\">. </span><span class=\"f charStyle-f6a3ab10 ps15022\" style=\"width:348.01pt\">Interests in associated undertakings and joint venture holdings</span><span class=\"f charStyle-f6a3ab10 ps15095\" style=\"width:67.74pt\"> (continued)</span></div><div class=\"ps72 ss8\"><div class=\"ss275 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:375.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps13839 ss1874\"><div><div class=\"ps809 ss43\"><span class=\"f charStyle-a26246ce ps11537\">Rathbones Group plc<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15096 ss929\"><div><div class=\"ps809 ss818\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps11465\">2026</span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15097 ss929\"><div><div class=\"ps809 ss818\"><span class=\"f charStyle-8d4b9b37 ps4194\">2025<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps817 ss1876\"><div><div class=\"ps997 ss1875\"><span class=\"f charStyle-b7f6e8e5 ps7\">Details of material associated undertakings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9200 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-b7f6e8e5 ps7\">Summarised financial information (\u00a3\u2019000):<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9204 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-2b0f4fe0 ps7\">Operating income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15098 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.33pt\"></span></span><span class=\"ps128\">923\u00a0304<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15099 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.31pt\"></span></span><span class=\"ps8585\">895\u00a0875<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4003 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-2b0f4fe0 ps7\">Profit after taxation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15100 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.29pt\"></span></span><span class=\"ps9311\">112\u00a0337<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15102 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.29pt\"></span></span><span class=\"ps15101\">65\u00a0398<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4562 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other comprehensive income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15104 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.13pt\"></span></span><span class=\"ps15103\">68<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15106 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.01pt\"></span></span><span class=\"ps15105\">(7\u00a0967)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9218 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-2b0f4fe0 ps7\">Total comprehensive income after non-controlling interests<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15107 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.18pt\"></span></span><span class=\"ps2227\">112\u00a0405<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15108 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.76pt\"></span></span><span class=\"ps9988\">57\u00a0431<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps220 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-2b0f4fe0 ps7\">Total assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15109 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.64pt\"></span></span><span class=\"ps3444\">5\u00a0217\u00a0232<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15111 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.65pt\"></span></span><span class=\"ps15110\">4\u00a0290\u00a0034<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9234 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-2b0f4fe0 ps7\">Total liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15113 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.02pt\"></span></span><span class=\"ps15112\">3\u00a0865\u00a0209<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15115 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.27pt\"></span></span><span class=\"ps15114\">2\u00a0930\u00a0672<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9241 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps15117 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.37pt\"></span></span><span class=\"ps15116\">1\u00a0352\u00a0023<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15119 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.35pt\"></span></span><span class=\"ps15118\">1\u00a0359\u00a0362<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9245 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-2b0f4fe0 ps7\">Effective interest in issued share capital<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15121 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps15120\">43.23%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15123 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps15122\">41.25%<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3337 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-2b0f4fe0 ps7\">Our share of net asset value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13908 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.58pt\"></span></span><span class=\"ps15124\">584\u00a0480<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13910 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.4pt\"></span></span><span class=\"ps9295\">560\u00a0737<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9254 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-2b0f4fe0 ps7\">Less: Goodwill and intangibles net of deferred tax per Rathbones<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15126 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.82pt\"></span></span><span class=\"ps15125\">(375\u00a0851)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15127 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.87pt\"></span></span><span class=\"ps10534\">(368\u00a0604)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps289 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-2b0f4fe0 ps7\">Add: Goodwill and Investec\u2019s share of intangible assets net of deferred tax<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15128 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.02pt\"></span></span><span class=\"ps11741\">601\u00a0301<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15130 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.81pt\"></span></span><span class=\"ps15129\">600\u00a0599<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8433 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-9458d4de ps7\">Carrying value of interest \u2013 equity method</span><span class=\"f charStyle-70e7a25b ps15131\"><span class=\"f ps2\"> </span><sup>^</sup></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15133 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.55pt\"></span></span><span class=\"ps15132\">809\u00a0930<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15135 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.32pt\"></span></span><span class=\"ps15134\">792\u00a0732<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps6660 ss1877\"><div><div class=\"ps815 ss1875\"><span class=\"f charStyle-b7f6e8e5 ps7\">Fair value of investment\u00a0 in Rathbones Group<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15136 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.68pt\"></span></span><span class=\"ps8554\">886\u00a0313<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15138 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.12pt\"></span></span><span class=\"ps15137\">692\u00a0126<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps15139 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^ <span style=\"display:inline-block;height:5.81pt;width:9.82pt\"></span></span><span class=\"ps968\">The difference between the carrying value of Rathbones and the net asset value relates to intangible assets, and goodwill that was recognised in the carrying value as </span></span></div><div class=\"ps15140 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">a direct result of the fair value exceeding the fair value of the identifiable assets at acquisition date.</span></div><div class=\"ps15142 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-1c646849 ps23\">Rathbones has a statutory year end of 31 December and the Group recognises its share of earnings on a three months in arrears basis due to the </span></div><div class=\"ps15143 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-1c646849 ps23\">difference in reporting dates between Rathbones and the Group. The financial information presented above aligns with this reporting date. Our </span></div><div class=\"ps15144 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-1c646849 ps23\">share of profit of associates for the current financial year was based on an average effective 43.15% for the year. The year end effective holding </span></div><div class=\"ps15145 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-1c646849 ps23\">takes into account movement in treasury shares to 31 December, as well as share buybacks during the period. </span></div><div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_394\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">49<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16234\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16235\">Principal subsidiaries, associated companies and joint venture holdings \u2013\u00a0 \u00a0 \u00a0 \u00a0 <span class=\"f ps2\"> </span></span></div><div class=\"ps8702 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Investec plc<span class=\"f ps2\"> </span></span></div><div class=\"ps8704 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:90pt\"></td><td style=\"padding:0;width:78pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"4\" style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps2813 ss1620\"><div><div class=\"ps809 ss1514\"><span class=\"f charStyle-a26246ce ps10333\">Effective interest<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17298 ss2033\"><div><div class=\"ps11070 ss161\"><span class=\"f charStyle-8d4b9b37 ps7\">Principal activity<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17299 ss2034\"><div><div class=\"ps15205 ss1256\"><span class=\"f charStyle-8d4b9b37 ps7\">Country of <span class=\"f ps2\"> </span></span></div><div class=\"ps11070 ss1256\"><span class=\"f charStyle-8d4b9b37 ps7\">incorporation<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2815 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2473 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-8d4b9b37 ps9195\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps817 ss2035\"><div><div class=\"ps4014 ss969\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps3425 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-b7f6e8e5 ps7\">Direct subsidiaries of Investec plc<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps6433 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-9458d4de ps7\">Investec 1 Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17300 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment holding<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17301 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">England and Wales<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14749 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14751 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14752 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-b7f6e8e5 ps7\">Indirect subsidiaries of Investec plc<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14755 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Asset Finance plc<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17302 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Leasing<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17303 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">England and Wales<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14757 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14759 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4015 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Bank plc<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17304 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment holding<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17305 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">England and Wales<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14760 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14761 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps338 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Bank (Channel Islands) Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17306 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Banking institution<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17307 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">Guernsey<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15785 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15786 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"padding:0\"><div class=\"ps4656 ss2037\"><div><div class=\"ps2632 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Bank (Switzerland) AG<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17308 ss1099\"><div><div class=\"ps997 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Banking institution and <span class=\"f ps2\"> </span></span></div><div class=\"ps2366 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">wealth manager<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17309 ss2038\"><div><div class=\"ps2366 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">Switzerland<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11824 ss1671\"><div><div class=\"ps2366 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11825 ss1671\"><div><div class=\"ps2366 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13758 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Group Investments (UK) Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17310 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment holding<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17311 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">England and Wales<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15705 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11907 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2618 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Holdings Australia Pty Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17312 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Holding company<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17313 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">Australia<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17314 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps17315 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13812 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-9458d4de ps7\">Investec Investments (UK) Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17316 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment holding<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17317 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">England and Wales<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17318 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps17319 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps17320 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Europe Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17321 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">MiFiD firm<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17322 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">Ireland<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17323 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps17324 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps15914 ss970\"><div><div class=\"ps2754 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Securities (US) LLC<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17325 ss2039\"><div><div class=\"ps2754 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Financial services<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17326 ss2040\"><div><div class=\"ps2754 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">USA<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17327 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps17328 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4319 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Capitalmind Investment Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17329 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Non-trading<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17330 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">England and Wales<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14862 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14863 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4325 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Continental Europe Advisory BV<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17331 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Non-trading<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17332 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">Netherlands<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14868 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps882\"></span><span class=\"ps882\">60%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14869 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps882\"></span><span class=\"ps882\">60%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4331 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Advisory SAS<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17333 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Advisory services<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17334 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">France<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14877 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps882\"></span><span class=\"ps882\">60%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14878 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps882\"></span><span class=\"ps882\">60%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4338 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Advisory GmbH &amp; Co. KG<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17335 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Advisory services<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17336 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">Germany<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17337 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps882\"></span><span class=\"ps882\">60%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps17338 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps882\"></span><span class=\"ps882\">60%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4343 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Advisory B.V<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17339 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Advisory services<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17340 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">Netherlands<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14884 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps882\"></span><span class=\"ps882\">60%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14886 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps882\"></span><span class=\"ps882\">60%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4344 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Advisory AG<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17341 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Advisory services<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17342 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">Switzerland<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14891 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps13543\"></span><span class=\"ps13543\">36%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14893 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2556 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Advisory A/S<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17343 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Advisory services<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17344 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">Denmark<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14900 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps882\"></span><span class=\"ps882\">60%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2560 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2561 ss970\"><div><div class=\"ps2754 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec International Private Office Limited <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17345 ss2039\"><div><div class=\"ps2754 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Financial services<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17346 ss2040\"><div><div class=\"ps2754 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">United Kingdom<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14908 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2565 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps17347 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Investec share trusts</span></div><div class=\"ps17348 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">As a result of being able to appoint the Trustees and the purpose of the trusts being the remuneration of the Group\u2019s staff, the </span></div><div class=\"ps17349 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group consolidates the following share trusts, which facilitate share\u2011based awards on behalf of the Group: The Investec Plc Jersey </span></div><div class=\"ps17350 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Trust Number 1.</span></div><div class=\"ps17351 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">All of the above subsidiary undertakings are included in the consolidated accounts.<span class=\"f ps2\"> </span></span></div><div class=\"ps17352 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The subsidiaries listed above are only in relation to subsidiary undertakings whose results or financial position, in the opinion of the <span class=\"f ps2\"> </span></span></div><div class=\"ps17353 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">directors, have a significant impact on the financial statements.<span class=\"f ps2\"> </span></span></div><div class=\"ps17358 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For more details on interests in associated undertakings and joint venture holdings refer to </span><span class=\"f charStyle-33e1c6d6 ps17354\">note<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps17355\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps17356\">25<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps17357\">.</span></div><div class=\"ps17359 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">A complete list of subsidiary, associated undertakings and joint venture holdings as required by the Companies Act 2006 is <span class=\"f ps2\"> </span></span></div><div class=\"ps17368 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">included in </span><span class=\"f charStyle-2bfb2495 ps17360\">note<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps17361\"> j to the Investec plc company accounts on <span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps17362\">pages</span><span class=\"f charStyle-2bfb2495 ps17363\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-4cea0f20 ps17364\"><a class=\"Hyperlink\" href=\"#iccba24ea0cd14a1fbe74568356c33a8e_472\" style=\"z-index:1\">205</a></span><span class=\"f charStyle-2bfb2495 ps17365\"> to </span><span class=\"f charStyle-4cea0f20 ps17366\"><a class=\"Hyperlink\" href=\"#i6ba28601cc6145d7b48627c49f6a6e28_214\" style=\"z-index:1\">209</a></span><span class=\"f charStyle-2bfb2495 ps17367\">.</span></div><div class=\"ps17369 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Consolidated structured entities<span class=\"f ps2\"> </span></span></div><div class=\"ps17370 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec plc has no equity interest in the following structured entities, which are consolidated. Typically, a structured entity is an <span class=\"f ps2\"> </span></span></div><div class=\"ps17371 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">entity in which voting or similar rights are not the dominant factor in deciding control. The judgements to assess whether the Group </span></div><div class=\"ps17372 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">has control over these structures include assessing the purpose and design of the entity and considering whether the Group or </span></div><div class=\"ps17373 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">another involved party with power over the relevant activities is acting as a principal in its own right or as an agent on behalf of <span class=\"f ps2\"> </span></span></div><div class=\"ps17374 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">others.</span></div><div class=\"ps17384 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:230.25pt\"></td><td style=\"padding:0;width:7.5pt\"></td><td style=\"padding:0;width:243pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#131721;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19 ss2041\"><div><div class=\"ps1783 ss70\"><span class=\"f charStyle-30ab31c8 ps7\">Name of principal structured entity<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#131721;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#131721;border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss2043\"><div><div class=\"ps1783 ss2042\"><span class=\"f charStyle-30ab31c8 ps7\">Type of structured entity<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2724 ss2041\"><div><div class=\"ps2158 ss70\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cavern Funding 2020 plc<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps17375 ss2043\"><div><div class=\"ps2158 ss2042\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securitised auto receivables<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4066 ss2041\"><div><div class=\"ps2158 ss70\"><span class=\"f charStyle-2b0f4fe0 ps7\">Temese Funding 2 plc<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps17376 ss2043\"><div><div class=\"ps2158 ss2042\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securitised receivables<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3516 ss2041\"><div><div class=\"ps2158 ss70\"><span class=\"f charStyle-2b0f4fe0 ps7\">Gresham Leasing One Limited^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps17377 ss2043\"><div><div class=\"ps2158 ss2042\"><span class=\"f charStyle-2b0f4fe0 ps7\">Aircraft related<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4077 ss2044\"><div><div class=\"ps5733 ss70\"><span class=\"f charStyle-2b0f4fe0 ps7\">KF Turbo Leasing Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps17380 ss2045\"><div><div class=\"ps5733 ss2042\"><span class=\"f charStyle-2b0f4fe0 ps7\">Dormant Company<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps14755 ss2041\"><div><div class=\"ps2158 ss70\"><span class=\"f charStyle-2b0f4fe0 ps7\">Zebra Aviation Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps17381 ss2043\"><div><div class=\"ps2158 ss2042\"><span class=\"f charStyle-2b0f4fe0 ps7\">Aircraft leasing<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps849 ss2041\"><div><div class=\"ps2158 ss70\"><span class=\"f charStyle-2b0f4fe0 ps7\">Zebra Capital II Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17382 ss2043\"><div><div class=\"ps2158 ss2042\"><span class=\"f charStyle-2b0f4fe0 ps7\">Structured note issuance related<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9225 ss2041\"><div><div class=\"ps2158 ss70\"><span class=\"f charStyle-2b0f4fe0 ps7\">SDFI GP S.\u00e1 r.l.<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17383 ss2043\"><div><div class=\"ps2158 ss2042\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fund management entity<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps17385 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^ <span style=\"display:inline-block;height:5.81pt;width:9.82pt\"></span></span><span class=\"ps968\">During the year, the Group liquidated a residual tranche holding in Gresham Leasing One Limited structured entity which subsequently resulted in the deconsolidation </span></span></div><div class=\"ps17386 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">of the SPV and its related assets and liabilities.</span></div><div class=\"ps17387 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">Details of the risks to which the Group is exposed through all of its securitisations are included in the notes to risk and capital <span class=\"f ps2\"> </span></span></div><div class=\"ps17390 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">management on page </span><span class=\"f charStyle-4cea0f20 ps17388\"><a class=\"Hyperlink\" href=\"#iccba24ea0cd14a1fbe74568356c33a8e_442\" style=\"z-index:1\">180</a></span><span class=\"f charStyle-2bfb2495 ps17389\">.<span class=\"f ps2\"> </span></span></div></div><div class=\"ps17392 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The key assumptions for the main types of structured entities which the Group consolidates are summarised below:</span></div><div class=\"ps17393 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Securitised residential mortgages</span></div><div class=\"ps17394 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group has securitised residential mortgages in order to provide investors with exposure to residential mortgage risk and to </span></div><div class=\"ps17395 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">raise funding. These structured entities are consolidated due to the Group\u2019s holdings of equity notes combined with its control over </span></div><div class=\"ps17396 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">servicing activities. The Group is not required to fund any losses above those incurred on the notes it has retained; such losses are </span></div><div class=\"ps17397 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reflected in any impairment of securitised mortgages as those assets have not been derecognised.</span></div><div class=\"ps17398 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Structured debt and loan portfolios</span></div><div class=\"ps17399 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group has structured debt and loan portfolios for the purpose of issuing asset-backed securities. These structured entities are <span class=\"f ps2\"> </span></span></div><div class=\"ps17400 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">consolidated due to the Group\u2019s retention of equity notes and because it continues to act as the collateral manager. The Group is </span></div><div class=\"ps17401 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">not required to fund any losses above those incurred on the notes it has retained.</span></div><div class=\"ps17402 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Securitised receivables</span></div><div class=\"ps17403 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group has securitised portfolios of medium-term lease and hire purchase receivables. These structured entities are </span></div><div class=\"ps17404 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">consolidated as the Group has retained the equity notes and control over servicing activities. The Group is not required to fund </span></div><div class=\"ps17405 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">any\u00a0losses above those incurred on the notes it has retained.</span></div><div class=\"ps17406 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Other structured entities \u2013 commercial operations</span></div><div class=\"ps17407 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group also consolidates a number of structured entities where control arises from rights attached to lending facilities and </span></div><div class=\"ps17408 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">similar commercial involvement. These arise primarily in the areas of aircraft funds, where the Group has rights which allow it </span></div><div class=\"ps17411 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">to\u00a0maximise the value of the assets held and investments in mining projects due to its exposure to e</span><span class=\"f charStyle-33e1c6d6 ps17409\">quity-</span><span class=\"f charStyle-33e1c6d6 ps17410\">like returns and ability </span></div><div class=\"ps17412 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">to\u00a0influence the strategic and financial decision-making.</span></div><div class=\"ps17413 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group is not required to fund any losses above those which could be incurred on debt positions held or swaps which exist </span></div><div class=\"ps17414 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">with\u00a0these structured entities. The risks to which the Group is exposed from these structured entities are related to the underlying </span></div><div class=\"ps17415 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">assets held in the structures. </span></div><div class=\"ps17416 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Significant restrictions</span></div><div class=\"ps17417 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">As is typical for a large group of companies, there are restrictions on the ability of the Group to obtain distributions of capital, </span></div><div class=\"ps17418 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">access the assets or repay the liabilities of members of the Group due to the statutory, regulatory and contractual requirements </span></div><div class=\"ps17419 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of\u00a0its subsidiaries. </span></div><div class=\"ps17420 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">These are considered below:</span></div><div class=\"ps17421 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">Regulatory requirements</span></div><div class=\"ps17422 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Subsidiary companies are subject to prudential regulation and regulatory capital requirements in the countries in which they are </span></div><div class=\"ps17423 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">regulated. These require entities to maintain minimum capital, leverage and exposure ratios restricting the ability of these entities </span></div><div class=\"ps17424 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">to\u00a0make distributions of cash or other assets to the parent company. Regulated subsidiaries of the Group are required to maintain </span></div><div class=\"ps17425 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">liquidity pools to meet PRA and local regulatory requirements. The main subsidiaries affected are: Investec Bank plc, Investec Bank </span></div><div class=\"ps17426 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">(Channel Islands) Limited and Investec Bank (Switzerland) AG, which must maintain compliance with the regulatory minimum.</span></div><div class=\"ps17433 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">Capital management within the Group is discussed in the notes to risk and capital management on </span><span class=\"f charStyle-2bfb2495 ps17427\">pages</span><span class=\"f charStyle-2bfb2495 ps17428\"> </span><span class=\"f charStyle-4cea0f20 ps17429\"><a class=\"Hyperlink\" href=\"#iccba24ea0cd14a1fbe74568356c33a8e_457\" style=\"z-index:1\">195</a></span><span class=\"f charStyle-2bfb2495 ps17430\"> to </span><span class=\"f charStyle-4cea0f20 ps17431\"><a class=\"Hyperlink\" href=\"#i283a065ee6314f40a85b8c13c45a2235_18405\" style=\"z-index:1\">197</a></span><span class=\"f charStyle-2bfb2495 ps17432\">.</span></div><div class=\"ps17434 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">Statutory requirements</span></div><div class=\"ps17435 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group\u2019s subsidiaries are subject to statutory requirements not to make distributions of capital and unrealised profits, </span></div><div class=\"ps17436 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and\u00a0generally maintain solvency. These requirements restrict the ability of subsidiaries to remit dividends, except in the case </span></div><div class=\"ps17437 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of\u00a0a\u00a0legal capital reduction or liquidation.</span></div><div class=\"ps17438 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">Contractual requirements</span></div><div class=\"ps17439 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Asset encumbrance \u2013 the Group uses its financial assets to raise finance in the form of securitisations and through the liquidity </span></div><div class=\"ps17440 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">schemes of central banks. Once encumbered, the assets are not available for transfer around the Group. The assets typically </span></div><div class=\"ps17446 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">affected are disclosed in </span><span class=\"f charStyle-33e1c6d6 ps17441\">notes</span><span class=\"f charStyle-33e1c6d6 ps17442\"> </span><span class=\"f charStyle-33e1c6d6 ps17443\">17</span><span class=\"f charStyle-33e1c6d6 ps17444\"> and </span><span class=\"f charStyle-33e1c6d6 ps4853\">52</span><span class=\"f charStyle-33e1c6d6 ps17445\">.</span></div><div class=\"ps17447 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Structured associates</span></div><div class=\"ps17448 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group has investments in a number of structured funds specialising in aircraft financing where the Group acts as adviser </span></div><div class=\"ps17449 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">or\u00a0fund manager in addition to holding units within the fund. As a consequence of these roles and funding, the Group has </span></div><div class=\"ps17450 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">significant\u00a0influence over the fund and therefore the funds are treated as associates.</span></div><div class=\"ps17396 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group applies the venture capital exemption to these holdings and, as such, the investments in the funds are accounted for </span></div><div class=\"ps17397 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">at\u00a0fair value and held within the investment portfolio on the balance sheet.</span></div><div class=\"ps17457 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:150pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:150.75pt\"></td><td style=\"padding:0;width:177pt\"></td></tr><tr style=\"height:15pt\"><td style=\"background-color:#131721;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss2046\"><div><div class=\"ps17451 ss1212\"><span class=\"f charStyle-cd36821c ps7\">Type of structured entity<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#131721;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#131721;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17452 ss2047\"><div><div class=\"ps17451 ss317\"><span class=\"f charStyle-cd36821c ps7\">Nature and purpose<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#131721;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16578 ss2048\"><div><div class=\"ps17451 ss786\"><span class=\"f charStyle-cd36821c ps7\">Interest held by the Group/income earned<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:23.25pt\"><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3538 ss2049\"><div><div class=\"ps2632 ss1212\"><span class=\"f charStyle-b7f6e8e5 ps7\">Aircraft investment funds<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17453 ss2050\"><div><div class=\"ps997 ss317\"><span class=\"f charStyle-2b0f4fe0 ps7\">To generate fees from managing assets <span class=\"f ps2\"> </span></span></div><div class=\"ps2366 ss317\"><span class=\"f charStyle-2b0f4fe0 ps7\">on behalf of third party investors<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17454 ss2051\"><div><div class=\"ps2632 ss786\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investments in units issued by the fund<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:23.25pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17455 ss2050\"><div><div class=\"ps997 ss317\"><span class=\"f charStyle-2b0f4fe0 ps7\">These vehicles are financed through the <span class=\"f ps2\"> </span></span></div><div class=\"ps2366 ss317\"><span class=\"f charStyle-2b0f4fe0 ps7\">issue of units to investors<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17456 ss2051\"><div><div class=\"ps2632 ss786\"><span class=\"f charStyle-2b0f4fe0 ps7\">Management fees<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps17459 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps2861\">The table below sets out an analysis of the carrying amounts of interests held by the Group in structured associate entities</span><span class=\"f charStyle-4646bb92 ps17458\">.</span></div><div class=\"ps17469 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:159pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:75.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:75.75pt\"></td><td style=\"padding:0;width:75.75pt\"></td><td style=\"padding:0;width:42.75pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:18pt\"><td style=\"padding:0\"><div class=\"ps19 ss2052\"><div><div class=\"ps13322 ss64\"><span class=\"f charStyle-a26246ce ps7\">At 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps85 ss2053\"><div><div class=\"ps985 ss798\"><span class=\"f charStyle-a26246ce ps7\">Line on the balance <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss798\"><span class=\"f charStyle-a26246ce ps7\">sheet<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps296 ss1813\"><div><div class=\"ps989 ss1812\"><span class=\"f charStyle-a26246ce ps9721\">Carrying <span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss1812\"><span class=\"f charStyle-a26246ce ps15390\">value<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss1812\"><span class=\"f charStyle-a26246ce ps586\"> \u00a3'000<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17460 ss2053\"><div><div class=\"ps985 ss798\"><span class=\"f charStyle-a26246ce ps7\">Maximum exposure <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss798\"><span class=\"f charStyle-a26246ce ps7\">to loss<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17461 ss2053\"><div><div class=\"ps985 ss798\"><span class=\"f charStyle-a26246ce ps7\">Income earned from <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss798\"><span class=\"f charStyle-a26246ce ps7\">structured entity<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3721 ss1807\"><div><div class=\"ps983 ss717\"><span class=\"f charStyle-a26246ce ps17462\">\u00a3'000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13498 ss2054\"><div><div class=\"ps4014 ss64\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps998 ss2055\"><div><div class=\"ps2632 ss64\"><span class=\"f charStyle-2b0f4fe0 ps7\">Aircraft investment funds<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17463 ss2056\"><div><div class=\"ps2632 ss798\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17464 ss2057\"><div><div class=\"ps2632 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.14pt\"></span></span><span class=\"ps11498\">13\u00a0816<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17465 ss2056\"><div><div class=\"ps2632 ss798\"><span class=\"f charStyle-2b0f4fe0 ps7\">Limited to the <span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss798\"><span class=\"f charStyle-2b0f4fe0 ps7\">carrying value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17466 ss2056\"><div><div class=\"ps2632 ss798\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17468 ss718\"><div><div class=\"ps2632 ss717\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.24pt\"></span></span><span class=\"ps17467\">4\u00a0802<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps17470 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:159pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:75.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:75.75pt\"></td><td style=\"padding:0;width:75.75pt\"></td><td style=\"padding:0;width:42.75pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:18pt\"><td style=\"padding:0\"><div class=\"ps19 ss2052\"><div><div class=\"ps13322 ss64\"><span class=\"f charStyle-8d4b9b37 ps7\">At 31 March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps85 ss2053\"><div><div class=\"ps985 ss798\"><span class=\"f charStyle-8d4b9b37 ps7\">Line on the balance <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss798\"><span class=\"f charStyle-8d4b9b37 ps7\">sheet<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps296 ss1813\"><div><div class=\"ps989 ss1812\"><span class=\"f charStyle-8d4b9b37 ps16766\">Carrying <span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss1812\"><span class=\"f charStyle-8d4b9b37 ps11101\">value<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss1812\"><span class=\"f charStyle-8d4b9b37 ps14030\"> \u00a3'000<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17460 ss2053\"><div><div class=\"ps985 ss798\"><span class=\"f charStyle-8d4b9b37 ps7\">Maximum exposure to <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss798\"><span class=\"f charStyle-8d4b9b37 ps7\">loss<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17461 ss2053\"><div><div class=\"ps985 ss798\"><span class=\"f charStyle-8d4b9b37 ps7\">Income earned from <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss798\"><span class=\"f charStyle-8d4b9b37 ps7\">structured entity<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3721 ss1807\"><div><div class=\"ps983 ss717\"><span class=\"f charStyle-8d4b9b37 ps12866\">\u00a3'000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13498 ss2054\"><div><div class=\"ps4014 ss64\"><span class=\"f charStyle-6f1c08a8 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps998 ss2055\"><div><div class=\"ps2632 ss64\"><span class=\"f charStyle-2b0f4fe0 ps7\">Aircraft investment funds<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17463 ss2056\"><div><div class=\"ps2632 ss798\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17464 ss2057\"><div><div class=\"ps2632 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.79pt\"></span></span><span class=\"ps16961\">22\u00a0082<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17465 ss2056\"><div><div class=\"ps2632 ss798\"><span class=\"f charStyle-2b0f4fe0 ps7\">Limited to the <span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss798\"><span class=\"f charStyle-2b0f4fe0 ps7\">carrying value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17466 ss2056\"><div><div class=\"ps2632 ss798\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17468 ss718\"><div><div class=\"ps2632 ss717\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.59pt\"></span></span><span class=\"ps15064\">2\u00a0180<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_397\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">50<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps17471\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps17472\">Unconsolidated structured entities<span class=\"f ps2\"> </span></span></div><div class=\"ps979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group enters into transactions with unconsolidated structured entities in the normal course of business to facilitate customer <span class=\"f ps2\"> </span></span></div><div class=\"ps980 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">transactions and for specific investment opportunities. Unconsolidated structured entities are those which the Group does not <span class=\"f ps2\"> </span></span></div><div class=\"ps981 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">control in line with basis of consolidation as set out in the accounting policies on <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps17473\">pages<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps17474\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-c4fc3a3f ps17475\"><a class=\"Hyperlink\" href=\"#iccba24ea0cd14a1fbe74568356c33a8e_217\" style=\"z-index:1\">74</a><span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps17476\"> to </span><span class=\"f charStyle-c4fc3a3f ps17477\"><a class=\"Hyperlink\" href=\"#ia190542f16724d799870dfe035dbbe22_51390\" style=\"z-index:1\">87</a><span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps17478\">.<span class=\"f ps2\"> </span></span></div><div class=\"ps4871 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The table below describes the types of unconsolidated structured entities the Group has transactions with.<span class=\"f ps2\"> </span></span></div><div class=\"ps17493 ss8\"><div class=\"ss1321 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:110.25pt\"></td><td style=\"padding:0;width:6pt\"></td><td style=\"padding:0;width:6pt\"></td><td style=\"padding:0;width:174.75pt\"></td><td style=\"padding:0;width:6pt\"></td><td style=\"padding:0;width:6pt\"></td><td style=\"padding:0;width:170.25pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#303849;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss2058\"><div><div class=\"ps1783 ss994\"><span class=\"f charStyle-30ab31c8 ps7\">Type of structured entity<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#303849;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#303849;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#303849;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17479 ss2060\"><div><div class=\"ps1783 ss2059\"><span class=\"f charStyle-30ab31c8 ps7\">Nature and purpose<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#303849;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#303849;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#303849;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13408 ss2061\"><div><div class=\"ps1783 ss1305\"><span class=\"f charStyle-30ab31c8 ps7\">Interest held by the Group/income earned<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:24pt\"><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17480 ss2062\"><div><div class=\"ps29 ss994\"><span class=\"f charStyle-4cea0f20 ps7\">Investment funds<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17481 ss2063\"><div><div class=\"ps29 ss2059\"><span class=\"f charStyle-c4fc3a3f ps7\">To generate fees from managing assets on <span class=\"f ps2\"> </span></span></div><div class=\"ps312 ss2059\"><span class=\"f charStyle-c4fc3a3f ps7\">behalf of third party investors<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17482 ss2064\"><div><div class=\"ps29 ss1305\"><span class=\"f charStyle-c4fc3a3f ps7\">Investments in units issued by the fund<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:24pt\"><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17483 ss2063\"><div><div class=\"ps29 ss2059\"><span class=\"f charStyle-c4fc3a3f ps7\">These vehicles are financed through the issue <span class=\"f ps2\"> </span></span></div><div class=\"ps312 ss2059\"><span class=\"f charStyle-c4fc3a3f ps7\">of units to investors</span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17484 ss2064\"><div><div class=\"ps29 ss1305\"><span class=\"f charStyle-c4fc3a3f ps7\">Management fees<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:35.25pt\"><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps14634 ss2065\"><div><div class=\"ps29 ss994\"><span class=\"f charStyle-4cea0f20 ps7\">Debt funds<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps17485 ss2066\"><div><div class=\"ps29 ss2059\"><span class=\"f charStyle-c4fc3a3f ps7\">To generate a return for investors by <span class=\"f ps2\"> </span></span></div><div class=\"ps312 ss2059\"><span class=\"f charStyle-c4fc3a3f ps7\">providing exposure to residential <span class=\"f ps2\"> </span></span></div><div class=\"ps475 ss2059\"><span class=\"f charStyle-c4fc3a3f ps7\">mortgage\u00a0risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps17486 ss2067\"><div><div class=\"ps29 ss1305\"><span class=\"f charStyle-c4fc3a3f ps7\">Investments in units issued by the fund<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:24pt\"><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps17487 ss2063\"><div><div class=\"ps29 ss2059\"><span class=\"f charStyle-c4fc3a3f ps7\">These vehicles are financed through the issue <span class=\"f ps2\"> </span></span></div><div class=\"ps312 ss2059\"><span class=\"f charStyle-c4fc3a3f ps7\">of notes to investors</span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps17488 ss2064\"><div><div class=\"ps29 ss1305\"><span class=\"f charStyle-c4fc3a3f ps7\">Interest income/Investment income/<span class=\"f ps2\"> </span></span></div><div class=\"ps312 ss1305\"><span class=\"f charStyle-c4fc3a3f ps7\">Management fees<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:24pt\"><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11521 ss2062\"><div><div class=\"ps29 ss994\"><span class=\"f charStyle-4cea0f20 ps7\">Aircraft leasing structures<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17489 ss2063\"><div><div class=\"ps29 ss2059\"><span class=\"f charStyle-c4fc3a3f ps7\">To generate fees from managing assets on <span class=\"f ps2\"> </span></span></div><div class=\"ps312 ss2059\"><span class=\"f charStyle-c4fc3a3f ps7\">behalf of third party investors<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17490 ss2064\"><div><div class=\"ps29 ss1305\"><span class=\"f charStyle-c4fc3a3f ps7\">Investments in units issued by the fund<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:24pt\"><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17491 ss2063\"><div><div class=\"ps29 ss2059\"><span class=\"f charStyle-c4fc3a3f ps7\">These vehicles are financed through the issue <span class=\"f ps2\"> </span></span></div><div class=\"ps312 ss2059\"><span class=\"f charStyle-c4fc3a3f ps7\">of units to investors</span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17492 ss2064\"><div><div class=\"ps29 ss1305\"><span class=\"f charStyle-c4fc3a3f ps7\">Interest income/Investment income<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:3pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps17495 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The table below shows the Group's maximum exposure to the unconsolidated structured entities.<span class=\"f ps2\"> </span></span></div><div class=\"ps17537 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:227.25pt\"></td><td style=\"padding:0;width:84.75pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss2068\"><div><div class=\"ps809 ss638\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">At </span><span class=\"f charStyle-ef17fa27 ps13038\">31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"padding:0\"><div class=\"ps2778 ss2069\"><div><div class=\"ps11114 ss1652\"><span class=\"f charStyle-8d4b9b37 ps17496\">Investment fund<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"padding:0\"><div class=\"ps12490 ss1623\"><div><div class=\"ps11114 ss296\"><span class=\"f charStyle-8d4b9b37 ps17497\">Debt fund<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"padding:0\"><div class=\"ps2813 ss1623\"><div><div class=\"ps11112 ss296\"><span class=\"f charStyle-8d4b9b37 ps15671\">Aircraft leasing <span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss296\"><span class=\"f charStyle-8d4b9b37 ps17498\">structure<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2465 ss1623\"><div><div class=\"ps11114 ss296\"><span class=\"f charStyle-a26246ce ps11118\">Total<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps816 ss2068\"><div><div class=\"ps809 ss638\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss2068\"><div><div class=\"ps815 ss638\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivatives assets (fair value through profit and loss)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps17500 ss1657\"><div><div class=\"ps815 ss1652\"><span class=\"f charStyle-2b0f4fe0 ps17499\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps17502 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0 ps17501\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps2816 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0 ps17503\">155<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2817 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0 ps17503\">155<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps824 ss2068\"><div><div class=\"ps815 ss638\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances (fair value through profit and loss)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17504 ss1657\"><div><div class=\"ps815 ss1652\"><span class=\"f charStyle-2b0f4fe0 ps17499\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12496 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0 ps17501\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps2818 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0 ps8424\">10\u00a0660<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2819 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0 ps8424\">10\u00a0660<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps830 ss2068\"><div><div class=\"ps815 ss638\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances - Amortised cost<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17506 ss1657\"><div><div class=\"ps815 ss1652\"><span class=\"f charStyle-2b0f4fe0 ps17505\">839<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17507 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0 ps17501\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps2820 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0 ps17501\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2821 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0 ps16713\">839<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss2068\"><div><div class=\"ps815 ss638\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment portfolio (fair value through profit and loss)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17509 ss1657\"><div><div class=\"ps815 ss1652\"><span class=\"f charStyle-2b0f4fe0 ps17508\">17\u00a0947<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17511 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0 ps17510\">12\u00a0740<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps2823 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0 ps17512\">1\u00a0066<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2825 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0 ps17513\">31\u00a0753<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"><div class=\"ps843 ss2070\"><div><div class=\"ps997 ss638\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities (fair value through profit and loss)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17514 ss1658\"><div><div class=\"ps997 ss1652\"><span class=\"f charStyle-2b0f4fe0 ps17499\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17516 ss301\"><div><div class=\"ps997 ss296\"><span class=\"f charStyle-2b0f4fe0 ps17515\">17\u00a0259<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps2827 ss301\"><div><div class=\"ps997 ss296\"><span class=\"f charStyle-2b0f4fe0 ps17501\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2829 ss301\"><div><div class=\"ps997 ss296\"><span class=\"f charStyle-2b0f4fe0 ps17515\">17\u00a0259<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9218 ss2068\"><div><div class=\"ps815 ss638\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps17518 ss1657\"><div><div class=\"ps815 ss1652\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:53.6pt\"></span></span><span class=\"ps17517\">18\u00a0786<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps17519 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.56pt\"></span></span><span class=\"ps11811\">29\u00a0999<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9222 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.17pt\"></span></span><span class=\"ps17520\">11\u00a0881<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps9224 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.12pt\"></span></span><span class=\"ps17521\">60\u00a0666<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9225 ss2068\"><div><div class=\"ps815 ss638\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other liabilities (fair value through profit and loss)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17523 ss1657\"><div><div class=\"ps815 ss1652\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:71.28pt\"></span></span><span class=\"ps17522\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17524 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9227 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9229 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps220 ss2068\"><div><div class=\"ps815 ss638\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps17525 ss1657\"><div><div class=\"ps815 ss1652\"><span class=\"f charStyle-b7f6e8e5 ps17499\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps17526 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5 ps17501\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9231 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5 ps17501\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps9233 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5 ps17501\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps9234 ss2068\"><div><div class=\"ps815 ss638\"><span class=\"f charStyle-b7f6e8e5 ps7\">Off-balance sheet commitments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps17528 ss1657\"><div><div class=\"ps815 ss1652\"><span class=\"f charStyle-b7f6e8e5 ps17527\">1\u00a0132<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps17530 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5 ps17529\">34\u00a0663<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps9238 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5 ps873\">2\u00a0499<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9240 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5 ps11778\">38\u00a0294<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps9241 ss2068\"><div><div class=\"ps815 ss638\" style=\"font-size:12pt\"><span class=\"f charStyle-13225c7c ps7\">Maximum exposure at </span><span class=\"f charStyle-13225c7c ps17531\">31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps17533 ss1657\"><div><div class=\"ps815 ss1652\"><span class=\"f charStyle-b7f6e8e5 ps17532\">19\u00a0918<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps17535 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5 ps17534\">64\u00a0662<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps9243 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5 ps17536\">14\u00a0380<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps9244 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5 ps4233\">98\u00a0960<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps17591 ss8\"><div class=\"ss2076 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:248.25pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss2072\"><div><div class=\"ps809 ss2071\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">At </span><span class=\"f charStyle-ef17fa27 ps13038\">31 March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps17540 ss2073\"><div><div class=\"ps11114 ss286\"><span class=\"f charStyle-8d4b9b37 ps17539\">^Investment fund<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps17541 ss1623\"><div><div class=\"ps11114 ss296\"><span class=\"f charStyle-8d4b9b37 ps17497\">Debt fund<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps17542 ss1623\"><div><div class=\"ps11112 ss296\"><span class=\"f charStyle-8d4b9b37 ps15671\">Aircraft leasing <span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss296\"><span class=\"f charStyle-8d4b9b37 ps17498\">structure<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps3443 ss1623\"><div><div class=\"ps11114 ss296\"><span class=\"f charStyle-a26246ce ps11118\">Total<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps816 ss2072\"><div><div class=\"ps809 ss2071\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps817 ss2074\"><div><div class=\"ps997 ss2071\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivatives assets (fair value through profit and loss)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps17543 ss2075\"><div><div class=\"ps997 ss286\"><span class=\"f charStyle-2b0f4fe0 ps8657\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps17544 ss301\"><div><div class=\"ps997 ss296\"><span class=\"f charStyle-2b0f4fe0 ps17501\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps17546 ss301\"><div><div class=\"ps997 ss296\"><span class=\"f charStyle-2b0f4fe0 ps17545\">92<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17547 ss301\"><div><div class=\"ps997 ss296\"><span class=\"f charStyle-2b0f4fe0 ps17545\">92<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9200 ss2072\"><div><div class=\"ps815 ss2071\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances (fair value through profit and loss)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17548 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0 ps8657\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17549 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0 ps17501\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17551 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0 ps17550\">11\u00a0011<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17552 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0 ps17550\">11\u00a0011<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9204 ss2072\"><div><div class=\"ps815 ss2071\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances (amortised cost)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17554 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0 ps17553\">9\u00a0493<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17555 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0 ps17501\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17556 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0 ps17501\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17558 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0 ps17557\">9\u00a0493<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4003 ss2072\"><div><div class=\"ps815 ss2071\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment portfolio (fair value through profit and loss)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps7419 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0 ps17559\">23\u00a0911<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17561 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0 ps17560\">5\u00a0083<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17563 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0 ps17562\">1\u00a0091<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17565 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0 ps17564\">30\u00a0085<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4562 ss2072\"><div><div class=\"ps815 ss2071\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities (fair value through profit and loss)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17566 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0 ps8657\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17567 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0 ps12946\">26\u00a0819<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17568 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0 ps17501\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps4566 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0 ps12946\">26\u00a0819<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9218 ss2072\"><div><div class=\"ps815 ss2071\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps17569 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps11502\">33\u00a0404<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps17570 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5 ps11532\">31\u00a0902<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps17571 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5 ps17520\">12\u00a0194<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps17572 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5 ps7426\">77\u00a0500<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9225 ss2072\"><div><div class=\"ps815 ss2071\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other liabilities (fair value through profit and loss)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17573 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0 ps8657\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17574 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0 ps17501\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17575 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0 ps17501\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17576 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0 ps17501\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps220 ss2072\"><div><div class=\"ps815 ss2071\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps17577 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps8657\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps17578 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5 ps17501\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps17579 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5 ps17501\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps4686 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5 ps17501\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps9234 ss2072\"><div><div class=\"ps815 ss2071\"><span class=\"f charStyle-b7f6e8e5 ps7\">Off-balance sheet commitments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps17580 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps8657\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps17581 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5 ps818\">40\u00a0397<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps17583 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5 ps17582\">2\u00a0556<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17585 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5 ps17584\">42\u00a0953<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps9241 ss2072\"><div><div class=\"ps815 ss2071\" style=\"font-size:12pt\"><span class=\"f charStyle-13225c7c ps7\">Maximum exposure at </span><span class=\"f charStyle-13225c7c ps17531\">31 March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps17586 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps11502\">33\u00a0404<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps17587 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5 ps17536\">72\u00a0299<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps17589 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5 ps17588\">14\u00a0750<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps17590 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5 ps10439\">120\u00a0453<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps17592 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span></span><span class=\"f charStyle-207fba8f ps968\">The</span><span class=\"f charStyle-207fba8f ps16034\"> prior year disclosure for balance in Investment fund has been corrected to present the values under \u2018Investment fund\u2019 as this was omitted.</span></div></div><div class=\"ps5918 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Financial support provided to the unconsolidated structured entities</span></div><div class=\"ps5919 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">There are no contractual agreements which require the Group to provide any additional financial or non-financial support to\u00a0these </span></div><div class=\"ps5920 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">structured entities.</span></div><div class=\"ps5921 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">During the year, the Group has not provided any such support and does not have any current intentions to do so in the future.</span></div><div class=\"ps17594 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Sponsoring<span class=\"f ps2\"> </span></span></div><div class=\"ps17595 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group considers itself a sponsor of a structured entity when it facilitates the establishment of the structured entity. </span></div><div class=\"ps17596 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Interests in structured entities which the Group has not set up</span></div><div class=\"ps17597 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Purchased securitisation positions</span></div><div class=\"ps17598 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group buys and sells interests in structured entities that it has not originated as part of its trading activities, for example, <span class=\"f ps2\"> </span></span></div><div class=\"ps17599 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">residential mortgage securities, commercial mortgage securities, loans to corporates and resecuritisations. In such cases the Group </span></div><div class=\"ps17600 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">typically has no other involvement with the structured entity other than the securities it holds as part of its trading activities, and </span></div><div class=\"ps17601 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">its\u00a0maximum exposure to loss is restricted to the carrying value of the asset.</span></div><div class=\"ps17606 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">Details of the value of these interests is included in the notes to risk and capital management on <span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps17602\">page</span><span class=\"f charStyle-2bfb2495 ps17603\"> </span><span class=\"f charStyle-4cea0f20 ps17604\"><a class=\"Hyperlink\" href=\"#iccba24ea0cd14a1fbe74568356c33a8e_442\" style=\"z-index:1\">180</a></span><span class=\"f charStyle-2bfb2495 ps17605\">.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestsInOtherEntitiesExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-935": {
   "value": "<div class=\"ps15181 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:13.86pt\">27<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15179\" style=\"width:5.86pt\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15180\" style=\"width:70.91pt\">Other assets<span class=\"f ps2\"> </span></span></div><div class=\"ps15195 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps9195\">2025</span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss1651\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Gross other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps12462 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.3pt\"></span></span><span class=\"ps9492\">907\u00a0198<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps12463 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.84pt\"></span></span><span class=\"ps9494\">652\u00a0143<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps824 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Expected credit loss<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2818 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2819 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps830 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps2820 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.94pt\"></span></span><span class=\"ps15182\">907\u00a0198<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps2821 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.89pt\"></span></span><span class=\"ps10024\">652\u00a0143<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Financial assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps843 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Settlement debtors<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2827 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.31pt\"></span></span><span class=\"ps11238\">678\u00a0973<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2829 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.81pt\"></span></span><span class=\"ps1618\">291\u00a0083<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps849 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Trading initial margin<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2830 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.73pt\"></span></span><span class=\"ps9546\">3\u00a0539<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2831 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.12pt\"></span></span><span class=\"ps12788\">1\u00a0228<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps853 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Prepayments and accruals<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11957 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.99pt\"></span></span><span class=\"ps10353\">3\u00a0497<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11894 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.75pt\"></span></span><span class=\"ps10076\">2\u00a0543<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps858 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11961 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.32pt\"></span></span><span class=\"ps13291\">56\u00a0642<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11900 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.49pt\"></span></span><span class=\"ps11222\">59\u00a0050<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps11963 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.37pt\"></span></span><span class=\"ps15183\">742\u00a0651<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11964 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.18pt\"></span></span><span class=\"ps12886\">353\u00a0904<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps368 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Scoped out of IFRS 9<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14559 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Trading properties<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15185 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.14pt\"></span></span><span class=\"ps15184\">83\u00a0890<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14990 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.4pt\"></span></span><span class=\"ps15186\">84\u00a0704<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps871 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Prepayments and accruals<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15158 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.42pt\"></span></span><span class=\"ps9257\">28\u00a0865<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14992 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.91pt\"></span></span><span class=\"ps9679\">27\u00a0612<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps872 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Finance lease receivables<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15159 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.89pt\"></span></span><span class=\"ps15187\">2\u00a0286<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14993 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.74pt\"></span></span><span class=\"ps15188\">3\u00a0584<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps879 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Indirect taxation assets receivable<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15161 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.03pt\"></span></span><span class=\"ps15189\">759<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14994 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.13pt\"></span></span><span class=\"ps15190\">773<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps886 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Aircraft and aircraft related structures*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15163 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.2pt\"></span></span><span class=\"ps9977\">24\u00a0495<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15164 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.16pt\"></span></span><span class=\"ps15191\">135\u00a0783<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps893 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15165 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.32pt\"></span></span><span class=\"ps13291\">24\u00a0252<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14996 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.52pt\"></span></span><span class=\"ps15192\">45\u00a0783<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps15193 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.01pt\"></span></span><span class=\"ps1497\">164\u00a0547<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14997 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.85pt\"></span></span><span class=\"ps12877\">298\u00a0239<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15194 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.94pt\"></span></span><span class=\"ps15182\">907\u00a0198<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14998 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.89pt\"></span></span><span class=\"ps10024\">652\u00a0143<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps15203 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">* <span style=\"display:inline-block;height:5.81pt;width:9.49pt\"></span></span><span class=\"ps968\">F</span></span><span class=\"f charStyle-207fba8f ps15196\">uture minimum lease payments of \u00a3<span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps15197\">nil</span><span class=\"f charStyle-207fba8f ps15198\"> (<span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps15199\">2025<span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps15200\">: \u00a3<span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps15201\">21</span><span class=\"f charStyle-207fba8f ps15202\"> million) are due within one year.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfPrepaymentsAndOtherAssetsExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-934": {
   "value": "<div class=\"ps15181 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:13.86pt\">27<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15179\" style=\"width:5.86pt\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15180\" style=\"width:70.91pt\">Other assets<span class=\"f ps2\"> </span></span></div><div class=\"ps15195 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps9195\">2025</span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss1651\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Gross other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps12462 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.3pt\"></span></span><span class=\"ps9492\">907\u00a0198<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps12463 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.84pt\"></span></span><span class=\"ps9494\">652\u00a0143<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps824 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Expected credit loss<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2818 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2819 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps830 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps2820 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.94pt\"></span></span><span class=\"ps15182\">907\u00a0198<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps2821 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.89pt\"></span></span><span class=\"ps10024\">652\u00a0143<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Financial assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps843 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Settlement debtors<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2827 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.31pt\"></span></span><span class=\"ps11238\">678\u00a0973<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2829 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.81pt\"></span></span><span class=\"ps1618\">291\u00a0083<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps849 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Trading initial margin<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2830 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.73pt\"></span></span><span class=\"ps9546\">3\u00a0539<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2831 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.12pt\"></span></span><span class=\"ps12788\">1\u00a0228<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps853 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Prepayments and accruals<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11957 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.99pt\"></span></span><span class=\"ps10353\">3\u00a0497<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11894 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.75pt\"></span></span><span class=\"ps10076\">2\u00a0543<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps858 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11961 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.32pt\"></span></span><span class=\"ps13291\">56\u00a0642<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11900 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.49pt\"></span></span><span class=\"ps11222\">59\u00a0050<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps11963 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.37pt\"></span></span><span class=\"ps15183\">742\u00a0651<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11964 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.18pt\"></span></span><span class=\"ps12886\">353\u00a0904<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps368 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Scoped out of IFRS 9<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14559 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Trading properties<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15185 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.14pt\"></span></span><span class=\"ps15184\">83\u00a0890<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14990 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.4pt\"></span></span><span class=\"ps15186\">84\u00a0704<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps871 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Prepayments and accruals<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15158 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.42pt\"></span></span><span class=\"ps9257\">28\u00a0865<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14992 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.91pt\"></span></span><span class=\"ps9679\">27\u00a0612<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps872 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Finance lease receivables<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15159 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.89pt\"></span></span><span class=\"ps15187\">2\u00a0286<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14993 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.74pt\"></span></span><span class=\"ps15188\">3\u00a0584<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps879 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Indirect taxation assets receivable<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15161 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.03pt\"></span></span><span class=\"ps15189\">759<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14994 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.13pt\"></span></span><span class=\"ps15190\">773<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps886 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Aircraft and aircraft related structures*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15163 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.2pt\"></span></span><span class=\"ps9977\">24\u00a0495<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15164 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.16pt\"></span></span><span class=\"ps15191\">135\u00a0783<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps893 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15165 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.32pt\"></span></span><span class=\"ps13291\">24\u00a0252<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14996 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.52pt\"></span></span><span class=\"ps15192\">45\u00a0783<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps15193 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.01pt\"></span></span><span class=\"ps1497\">164\u00a0547<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14997 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.85pt\"></span></span><span class=\"ps12877\">298\u00a0239<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15194 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.94pt\"></span></span><span class=\"ps15182\">907\u00a0198<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14998 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.89pt\"></span></span><span class=\"ps10024\">652\u00a0143<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps15203 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">* <span style=\"display:inline-block;height:5.81pt;width:9.49pt\"></span></span><span class=\"ps968\">F</span></span><span class=\"f charStyle-207fba8f ps15196\">uture minimum lease payments of \u00a3<span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps15197\">nil</span><span class=\"f charStyle-207fba8f ps15198\"> (<span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps15199\">2025<span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps15200\">: \u00a3<span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps15201\">21</span><span class=\"f charStyle-207fba8f ps15202\"> million) are due within one year.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherAssetsExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-937": {
   "value": "<div class=\"ps24 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:14.61pt\">28<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15151\" style=\"width:5.86pt\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15152\" style=\"width:133.88pt\">Property and equipment<span class=\"f ps2\"> </span></span></div><div class=\"ps11275 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:97.5pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss1879\"><div><div class=\"ps809 ss1878\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15206 ss1616\"><div><div class=\"ps15205 ss1308\"><span class=\"f charStyle-8d4b9b37 ps9685\">Freehold <span class=\"f ps2\"> </span></span></div><div class=\"ps11070 ss1308\"><span class=\"f charStyle-8d4b9b37 ps4238\">properties<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps1163 ss1616\"><div><div class=\"ps15205 ss1308\"><span class=\"f charStyle-8d4b9b37 ps15207\">Right-of-use <span class=\"f ps2\"> </span></span></div><div class=\"ps11070 ss1308\"><span class=\"f charStyle-8d4b9b37 ps4543\">assets^<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15208 ss1616\"><div><div class=\"ps15205 ss1308\"><span class=\"f charStyle-8d4b9b37 ps15062\">Leasehold <span class=\"f ps2\"> </span></span></div><div class=\"ps11070 ss1308\"><span class=\"f charStyle-8d4b9b37 ps3536\">improvements<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15210 ss1616\"><div><div class=\"ps15205 ss1308\"><span class=\"f charStyle-8d4b9b37 ps988\">Furniture and <span class=\"f ps2\"> </span></span></div><div class=\"ps11070 ss1308\"><span class=\"f charStyle-8d4b9b37 ps15209\">vehicles<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15211 ss1616\"><div><div class=\"ps11070 ss1308\"><span class=\"f charStyle-8d4b9b37 ps10553\">Equipment<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15213 ss1872\"><div><div class=\"ps15205 ss1310\"><span class=\"f charStyle-8d4b9b37 ps15212\">Operating <span class=\"f ps2\"> </span></span></div><div class=\"ps11070 ss1310\"><span class=\"f charStyle-8d4b9b37 ps10215\">leases*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13841 ss1872\"><div><div class=\"ps11070 ss1310\"><span class=\"f charStyle-a26246ce ps12700\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1880\"><div><div class=\"ps4014 ss1878\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss1879\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-b7f6e8e5 ps7\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3425 ss1879\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-b7f6e8e5 ps7\">Cost<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps6433 ss1881\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">of\u00a0the\u00a0year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15215 ss1882\"><div><div class=\"ps469 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15216 ss1882\"><div><div class=\"ps469 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.82pt\"></span></span><span class=\"ps10400\">96\u00a0928<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15217 ss1882\"><div><div class=\"ps469 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.91pt\"></span></span><span class=\"ps9679\">46\u00a0783<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15218 ss1882\"><div><div class=\"ps469 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.97pt\"></span></span><span class=\"ps12661\">8\u00a0217<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15219 ss1882\"><div><div class=\"ps469 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.22pt\"></span></span><span class=\"ps11592\">9\u00a0004<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15220 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.95pt\"></span></span><span class=\"ps11590\">1\u00a0072<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15222 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.31pt\"></span></span><span class=\"ps15221\">162\u00a0004<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps5 ss1879\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">Exchange adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15223 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15225 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.2pt\"></span></span><span class=\"ps15224\">(339)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15226 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.45pt\"></span></span><span class=\"ps11927\">(143)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15228 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:44.21pt\"></span></span><span class=\"ps15227\">6<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15230 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.59pt\"></span></span><span class=\"ps15229\">(124)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15231 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15232 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.42pt\"></span></span><span class=\"ps14045\">(600)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3527 ss1879\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">Additions<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15233 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15234 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.28pt\"></span></span><span class=\"ps12278\">74\u00a0655<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15235 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.89pt\"></span></span><span class=\"ps12563\">32\u00a0047<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15236 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.16pt\"></span></span><span class=\"ps11476\">4\u00a0242<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15237 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.72pt\"></span></span><span class=\"ps1118\">1\u00a0931<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15238 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15240 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.17pt\"></span></span><span class=\"ps15239\">112\u00a0875<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15241 ss1879\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">Disposals<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15242 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15244 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.03pt\"></span></span><span class=\"ps15243\">(1\u00a0899)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15245 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15247 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.79pt\"></span></span><span class=\"ps15246\">(43)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15248 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.56pt\"></span></span><span class=\"ps11958\">(138)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15249 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.81pt\"></span></span><span class=\"ps9936\">(518)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15250 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.91pt\"></span></span><span class=\"ps439\">(2\u00a0598)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps365 ss1879\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">Write-off<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15251 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15252 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.45pt\"></span></span><span class=\"ps11927\">(431)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15254 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.7pt\"></span></span><span class=\"ps15253\">(552)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15256 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.9pt\"></span></span><span class=\"ps15255\">(38)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15258 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.92pt\"></span></span><span class=\"ps15257\">(371)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15259 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13878 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.9pt\"></span></span><span class=\"ps14763\">(1\u00a0392)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15260 ss1879\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-b7f6e8e5 ps7\">At the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15261 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.81pt\"></span></span><span class=\"ps14068\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15262 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.31pt\"></span></span><span class=\"ps9575\">168\u00a0914<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15263 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.73pt\"></span></span><span class=\"ps11367\">78\u00a0135<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15264 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.22pt\"></span></span><span class=\"ps12708\">12\u00a0384<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15265 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.93pt\"></span></span><span class=\"ps11383\">10\u00a0302<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15266 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.57pt\"></span></span><span class=\"ps9895\">554<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps15267 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.62pt\"></span></span><span class=\"ps13474\">270\u00a0289<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps3331 ss1881\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-b7f6e8e5 ps7\">Accumulated <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1878\"><span class=\"f charStyle-b7f6e8e5 ps7\">depreciation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps13728 ss1881\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">of\u00a0the\u00a0year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15268 ss1882\"><div><div class=\"ps469 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15269 ss1882\"><div><div class=\"ps469 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.8pt\"></span></span><span class=\"ps9392\">(57\u00a0589)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15270 ss1882\"><div><div class=\"ps469 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.79pt\"></span></span><span class=\"ps15154\">(31\u00a0567)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15272 ss1882\"><div><div class=\"ps469 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.74pt\"></span></span><span class=\"ps15271\">(5\u00a0380)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15273 ss1882\"><div><div class=\"ps469 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.62pt\"></span></span><span class=\"ps11799\">(7\u00a0572)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15274 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.59pt\"></span></span><span class=\"ps4228\">(956)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15275 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.58pt\"></span></span><span class=\"ps15124\">(103\u00a0064)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15276 ss1879\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">Exchange adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15277 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15278 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.59pt\"></span></span><span class=\"ps15229\">(641)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15279 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.83pt\"></span></span><span class=\"ps12161\">(227)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15281 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.52pt\"></span></span><span class=\"ps15280\">24<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15282 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.91pt\"></span></span><span class=\"ps13854\">(23)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15283 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15285 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.82pt\"></span></span><span class=\"ps15284\">(867)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15286 ss1879\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">Disposals<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15287 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15289 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.92pt\"></span></span><span class=\"ps15288\">832<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15290 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15292 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.38pt\"></span></span><span class=\"ps15291\">43<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15294 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.3pt\"></span></span><span class=\"ps15293\">129<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15296 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.17pt\"></span></span><span class=\"ps15295\">481<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15298 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.61pt\"></span></span><span class=\"ps15297\">1\u00a0485<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:30pt\"><td style=\"padding:0\"><div class=\"ps15299 ss1883\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">Depreciation and <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">impairment charge for the <span class=\"f ps2\"> </span></span></div><div class=\"ps8432 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">year**<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15300 ss1884\"><div><div class=\"ps8432 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15301 ss1884\"><div><div class=\"ps8432 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.69pt\"></span></span><span class=\"ps431\">(11\u00a0459)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15303 ss1884\"><div><div class=\"ps8432 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.27pt\"></span></span><span class=\"ps15302\">(6\u00a0211)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15304 ss1884\"><div><div class=\"ps8432 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.27pt\"></span></span><span class=\"ps15302\">(1\u00a0221)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15305 ss1884\"><div><div class=\"ps8432 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.03pt\"></span></span><span class=\"ps15189\">(701)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15307 ss1839\"><div><div class=\"ps8432 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.14pt\"></span></span><span class=\"ps15306\">(13)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15309 ss1839\"><div><div class=\"ps8432 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.55pt\"></span></span><span class=\"ps15308\">(19\u00a0605)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4705 ss1879\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">Write-off<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15310 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15311 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.04pt\"></span></span><span class=\"ps10452\">431<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15313 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.29pt\"></span></span><span class=\"ps15312\">552<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15315 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.49pt\"></span></span><span class=\"ps15314\">38<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15317 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.51pt\"></span></span><span class=\"ps15316\">371<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15318 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15319 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.49pt\"></span></span><span class=\"ps8416\">1\u00a0392<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps6671 ss1879\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-b7f6e8e5 ps7\">At the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15320 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.81pt\"></span></span><span class=\"ps14068\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15322 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.87pt\"></span></span><span class=\"ps15321\">(68\u00a0426)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15324 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.27pt\"></span></span><span class=\"ps15323\">(37\u00a0453)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15325 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.59pt\"></span></span><span class=\"ps9383\">(6\u00a0496)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15327 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.7pt\"></span></span><span class=\"ps15326\">(7\u00a0796)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15328 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.27pt\"></span></span><span class=\"ps12613\">(488)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps15330 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.24pt\"></span></span><span class=\"ps15329\">(120\u00a0659)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15331 ss1879\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net carrying value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15332 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.81pt\"></span></span><span class=\"ps14068\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15333 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.61pt\"></span></span><span class=\"ps9603\">100\u00a0488<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15334 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.72pt\"></span></span><span class=\"ps8474\">40\u00a0682<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15336 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.9pt\"></span></span><span class=\"ps15335\">5\u00a0888<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15338 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.92pt\"></span></span><span class=\"ps15337\">2\u00a0506<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15340 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.41pt\"></span></span><span class=\"ps15339\">66<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15342 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.83pt\"></span></span><span class=\"ps15341\">149\u00a0630<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps15343 ss1879\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-b7f6e8e5 ps7\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13820 ss1879\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-b7f6e8e5 ps7\">Cost<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps14500 ss1881\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">of\u00a0the\u00a0year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15345 ss1882\"><div><div class=\"ps469 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.5pt\"></span></span><span class=\"ps15344\">36<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15347 ss1882\"><div><div class=\"ps469 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.66pt\"></span></span><span class=\"ps15346\">96\u00a0930<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15349 ss1882\"><div><div class=\"ps469 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.03pt\"></span></span><span class=\"ps15348\">47\u00a0099<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15350 ss1882\"><div><div class=\"ps469 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.96pt\"></span></span><span class=\"ps9235\">7\u00a0818<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15352 ss1882\"><div><div class=\"ps469 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.38pt\"></span></span><span class=\"ps15351\">8\u00a0465<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15353 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.63pt\"></span></span><span class=\"ps12289\">1\u00a0296<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps15354 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.48pt\"></span></span><span class=\"ps8373\">161\u00a0644<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15355 ss1879\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">Exchange adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15356 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15358 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.44pt\"></span></span><span class=\"ps15357\">(504)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15359 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.91pt\"></span></span><span class=\"ps13854\">(93)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15361 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.16pt\"></span></span><span class=\"ps15360\">(14)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15363 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.28pt\"></span></span><span class=\"ps15362\">(74)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15364 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps15365 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.58pt\"></span></span><span class=\"ps13966\">(685)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15366 ss1879\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">Additions<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15367 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15369 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.16pt\"></span></span><span class=\"ps15368\">913<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15371 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.29pt\"></span></span><span class=\"ps15370\">981<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15373 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.39pt\"></span></span><span class=\"ps15372\">706<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15375 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.8pt\"></span></span><span class=\"ps15374\">1\u00a0010<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15376 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13981 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.46pt\"></span></span><span class=\"ps15377\">3\u00a0610<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15378 ss1879\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">Disposals<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15379 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.91pt\"></span></span><span class=\"ps13854\">(36)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15381 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.82pt\"></span></span><span class=\"ps15380\">(411)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15382 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.89pt\"></span></span><span class=\"ps15187\">(1\u00a0204)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15384 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.34pt\"></span></span><span class=\"ps15383\">(293)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15386 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.69pt\"></span></span><span class=\"ps15385\">(397)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15387 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.36pt\"></span></span><span class=\"ps9609\">(224)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps15388 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.03pt\"></span></span><span class=\"ps11793\">(2\u00a0565)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps2426 ss1879\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-b7f6e8e5 ps7\">At the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15389 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.81pt\"></span></span><span class=\"ps14068\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15391 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5 ps15390\">96\u00a0928<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15392 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5 ps2826\">46\u00a0783<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15393 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5 ps9235\">8\u00a0217<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15394 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5 ps14052\">9\u00a0004<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15395 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5 ps10076\">1\u00a0072<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15397 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5 ps15396\">162\u00a0004<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps12310 ss1881\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-b7f6e8e5 ps7\">Accumulated <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1878\"><span class=\"f charStyle-b7f6e8e5 ps7\">depreciation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps15398 ss1881\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">of\u00a0the\u00a0year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15399 ss1882\"><div><div class=\"ps469 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.91pt\"></span></span><span class=\"ps13854\">(36)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15400 ss1882\"><div><div class=\"ps469 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.58pt\"></span></span><span class=\"ps13523\">(47\u00a0421)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15402 ss1882\"><div><div class=\"ps469 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.47pt\"></span></span><span class=\"ps15401\">(27\u00a0664)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15403 ss1882\"><div><div class=\"ps469 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.74pt\"></span></span><span class=\"ps15271\">(5\u00a0004)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15404 ss1882\"><div><div class=\"ps469 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.76pt\"></span></span><span class=\"ps11785\">(7\u00a0433)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15406 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.13pt\"></span></span><span class=\"ps15405\">(1\u00a0139)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps15407 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.57pt\"></span></span><span class=\"ps9475\">(88\u00a0697)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8688 ss1879\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">Exchange adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15408 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15409 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.3pt\"></span></span><span class=\"ps15293\">199<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15410 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.49pt\"></span></span><span class=\"ps15314\">38<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15412 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:44.09pt\"></span></span><span class=\"ps15411\">4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15413 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.75pt\"></span></span><span class=\"ps908\">25<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15414 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps15415 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.07pt\"></span></span><span class=\"ps10403\">266<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15416 ss1879\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">Disposals<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15417 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.5pt\"></span></span><span class=\"ps15344\">36<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15419 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.26pt\"></span></span><span class=\"ps15418\">180<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15421 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.71pt\"></span></span><span class=\"ps15420\">1\u00a0138<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15422 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.29pt\"></span></span><span class=\"ps15370\">281<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15424 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.95pt\"></span></span><span class=\"ps15423\">294<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15425 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.01pt\"></span></span><span class=\"ps13543\">200<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps15426 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.63pt\"></span></span><span class=\"ps12289\">2\u00a0129<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:30pt\"><td style=\"padding:0\"><div class=\"ps15427 ss1883\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">Depreciation and <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">impairment charge for the <span class=\"f ps2\"> </span></span></div><div class=\"ps8432 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15428 ss1884\"><div><div class=\"ps8432 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15430 ss1884\"><div><div class=\"ps8432 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.78pt\"></span></span><span class=\"ps15429\">(10\u00a0547)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15431 ss1884\"><div><div class=\"ps8432 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.24pt\"></span></span><span class=\"ps14737\">(5\u00a0079)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15432 ss1884\"><div><div class=\"ps8432 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.71pt\"></span></span><span class=\"ps5541\">(661)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15434 ss1884\"><div><div class=\"ps8432 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.46pt\"></span></span><span class=\"ps15433\">(458)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15436 ss1839\"><div><div class=\"ps8432 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.63pt\"></span></span><span class=\"ps15435\">(17)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps15437 ss1839\"><div><div class=\"ps8432 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.82pt\"></span></span><span class=\"ps8430\">(16\u00a0762)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9910 ss1879\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-b7f6e8e5 ps7\">At the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15438 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.81pt\"></span></span><span class=\"ps14068\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15439 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.5pt\"></span></span><span class=\"ps9677\">(57\u00a0589)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15440 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.67pt\"></span></span><span class=\"ps605\">(31\u00a0567)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15441 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.64pt\"></span></span><span class=\"ps12281\">(5\u00a0380)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15442 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.05pt\"></span></span><span class=\"ps3710\">(7\u00a0572)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15443 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.52pt\"></span></span><span class=\"ps11077\">(956)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15445 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.56pt\"></span></span><span class=\"ps15444\">(103\u00a0064)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15446 ss1879\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net carrying value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15447 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.81pt\"></span></span><span class=\"ps14068\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15449 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.86pt\"></span></span><span class=\"ps15448\">39\u00a0339<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15450 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.74pt\"></span></span><span class=\"ps11937\">15\u00a0216<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15452 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.51pt\"></span></span><span class=\"ps15451\">2\u00a0837<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15453 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.17pt\"></span></span><span class=\"ps13577\">1\u00a0432<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15455 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.02pt\"></span></span><span class=\"ps15454\">116<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15457 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.61pt\"></span></span><span class=\"ps15456\">58\u00a0940<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps15458 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">These are assets held by the Group in circumstances where the Group is lessor.</span></span></div><div class=\"ps15460 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^ <span style=\"display:inline-block;height:5.81pt;width:9.82pt\"></span></span><span class=\"ps968\">Right-of-use assets primarily comprise property leases under </span></span><span class=\"f charStyle-207fba8f ps15459\">IFRS 16 - Leases.</span></div><div class=\"ps15461 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">**<span style=\"display:inline-block;height:5.81pt;width:8.17pt\"></span></span><span class=\"ps968\">Total Depreciation and impairment charge includes \u00a31.5m (March 2025: \u00a3nil) disclosed on the income statement within Financial Impact of Strategic Actions.</span></span></div><div class=\"ps15697 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:14.77pt\">35<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15695\" style=\"width:5.86pt\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15696\" style=\"width:83.46pt\">Other liabilities<span class=\"f ps2\"> </span></span></div><div class=\"ps15711 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps9195\">2025</span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss1651\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Financial liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"><div class=\"ps824 ss1651\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Settlement liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2818 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.08pt\"></span></span><span class=\"ps14158\">734\u00a0274<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2819 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.2pt\"></span></span><span class=\"ps9596\">279\u00a0613<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps9204 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other creditors and accruals<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9206 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.94pt\"></span></span><span class=\"ps13612\">102\u00a0988<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps9208 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.45pt\"></span></span><span class=\"ps15698\">142\u00a0761<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps335 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other non-interest bearing liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15699 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.4pt\"></span></span><span class=\"ps14693\">115\u00a0085<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15700 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.22pt\"></span></span><span class=\"ps9323\">116\u00a0266<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps114 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Expected credit losses on undrawn commitments and guarantees<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15701 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.41pt\"></span></span><span class=\"ps9239\">10\u00a0499<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15702 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.6pt\"></span></span><span class=\"ps15465\">9\u00a0977<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps2830 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.48pt\"></span></span><span class=\"ps14745\">962\u00a0846<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps2831 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.14pt\"></span></span><span class=\"ps11498\">548\u00a0617<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps3327 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Scoped out of IFRS 9<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps3477 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-9458d4de ps7\">Other creditors and accruals</span><span class=\"f charStyle-70e7a25b ps15703\"><span class=\"f ps2\"> </span><sup>*</sup></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9678 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.03pt\"></span></span><span class=\"ps12366\">185\u00a0020<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps8597 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.29pt\"></span></span><span class=\"ps15101\">185\u00a0873<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps9375 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Lease liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14762 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.02pt\"></span></span><span class=\"ps15704\">117\u00a0811<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14764 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.34pt\"></span></span><span class=\"ps9496\">196\u00a0979<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps13758 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other non-interest bearing liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15705 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.44pt\"></span></span><span class=\"ps9527\">12\u00a0642<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11907 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.36pt\"></span></span><span class=\"ps13958\">7\u00a0252<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps4294 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Indirect taxation liabilities payable<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14835 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.53pt\"></span></span><span class=\"ps15706\">358<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14836 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.42pt\"></span></span><span class=\"ps13376\">238<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps9471 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.08pt\"></span></span><span class=\"ps14158\">315\u00a0831<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps2526 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.29pt\"></span></span><span class=\"ps10290\">390\u00a0342<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15708 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.68pt\"></span></span><span class=\"ps15707\">1\u00a0278\u00a0677<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15710 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.51pt\"></span></span><span class=\"ps15709\">938\u00a0959<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps15717 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Included in Other creditors and accruals is a provision relating to motor vehicle financing</span></span><span class=\"f charStyle-207fba8f ps15712\">. Refer to <span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps15713\">note<span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps15714\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps15715\">44</span><span class=\"f charStyle-207fba8f ps15716\"> for more details.<span class=\"f ps2\"> </span></span></div><div class=\"ps979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">The maturity analysis of the lease liabilities is shown below:</span></div><div class=\"ps15762 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:257.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:57.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps15721 ss1620\"><div><div class=\"ps809 ss1514\"><span class=\"f charStyle-a26246ce ps12363\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps14632 ss1673\"><div><div class=\"ps809 ss1356\"><span class=\"f charStyle-8d4b9b37 ps12001\">2025<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps816 ss1892\"><div><div class=\"ps809 ss1891\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15723 ss1623\"><div><div class=\"ps11112 ss296\"><span class=\"f charStyle-a26246ce ps14226\">Undiscounted <span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss296\"><span class=\"f charStyle-a26246ce ps15722\">lease payments<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15724 ss1650\"><div><div class=\"ps11114 ss114\"><span class=\"f charStyle-a26246ce ps5463\">Present value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11449 ss1894\"><div><div class=\"ps11112 ss1893\"><span class=\"f charStyle-8d4b9b37 ps9281\">Undiscounted <span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss1893\"><span class=\"f charStyle-8d4b9b37 ps15725\">lease payments<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13329 ss1895\"><div><div class=\"ps11114 ss818\"><span class=\"f charStyle-8d4b9b37 ps15726\">Present value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps817 ss1892\"><div><div class=\"ps809 ss1891\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps824 ss1896\"><div><div class=\"ps2754 ss1891\"><span class=\"f charStyle-b7f6e8e5 ps7\">Lease liabilities included in other liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps1202 ss1896\"><div><div class=\"ps2754 ss1891\"><span class=\"f charStyle-2b0f4fe0 ps7\">Lease liabilities payable in:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps3458 ss1896\"><div><div class=\"ps2754 ss1891\"><span class=\"f charStyle-2b0f4fe0 ps7\">Less than one year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15727 ss810\"><div><div class=\"ps2754 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.66pt\"></span></span><span class=\"ps11919\">14\u00a0559<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15728 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25pt\"></span></span><span class=\"ps12421\">13\u00a0971<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15730 ss1897\"><div><div class=\"ps2754 ss1893\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.04pt\"></span></span><span class=\"ps15729\">161\u00a0097<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15731 ss1898\"><div><div class=\"ps2754 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.95pt\"></span></span><span class=\"ps14437\">156\u00a0024<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps14755 ss1896\"><div><div class=\"ps2754 ss1891\"><span class=\"f charStyle-2b0f4fe0 ps7\">One to two years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15732 ss810\"><div><div class=\"ps2754 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.25pt\"></span></span><span class=\"ps9585\">17\u00a0278<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15733 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.02pt\"></span></span><span class=\"ps10101\">16\u00a0174<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15734 ss1897\"><div><div class=\"ps2754 ss1893\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.17pt\"></span></span><span class=\"ps12093\">14\u00a0921<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15735 ss1898\"><div><div class=\"ps2754 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.64pt\"></span></span><span class=\"ps14435\">14\u00a0210<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps11674 ss1896\"><div><div class=\"ps2754 ss1891\"><span class=\"f charStyle-2b0f4fe0 ps7\">Two to three years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15736 ss810\"><div><div class=\"ps2754 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.48pt\"></span></span><span class=\"ps831\">10\u00a0808<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15738 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.83pt\"></span></span><span class=\"ps15737\">9\u00a0800<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14597 ss1897\"><div><div class=\"ps2754 ss1893\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.14pt\"></span></span><span class=\"ps14804\">14\u00a0837<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15739 ss1898\"><div><div class=\"ps2754 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.73pt\"></span></span><span class=\"ps10169\">13\u00a0780<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps2506 ss1896\"><div><div class=\"ps2754 ss1891\"><span class=\"f charStyle-2b0f4fe0 ps7\">Three to four years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15740 ss810\"><div><div class=\"ps2754 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.87pt\"></span></span><span class=\"ps11256\">9\u00a0888<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15742 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28pt\"></span></span><span class=\"ps15741\">8\u00a0641<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15744 ss1897\"><div><div class=\"ps2754 ss1893\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.46pt\"></span></span><span class=\"ps15743\">8\u00a0337<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15746 ss1898\"><div><div class=\"ps2754 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.13pt\"></span></span><span class=\"ps15745\">7\u00a0426<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps9447 ss1896\"><div><div class=\"ps2754 ss1891\"><span class=\"f charStyle-2b0f4fe0 ps7\">Four to five years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15747 ss810\"><div><div class=\"ps2754 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.65pt\"></span></span><span class=\"ps14712\">13\u00a0647<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15748 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.1pt\"></span></span><span class=\"ps10333\">11\u00a0015<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15749 ss1897\"><div><div class=\"ps2754 ss1893\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.62pt\"></span></span><span class=\"ps11290\">2\u00a0478<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15750 ss1898\"><div><div class=\"ps2754 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.86pt\"></span></span><span class=\"ps12087\">2\u00a0358<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps15260 ss1896\"><div><div class=\"ps2754 ss1891\"><span class=\"f charStyle-2b0f4fe0 ps7\">Later than five years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15751 ss810\"><div><div class=\"ps2754 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.55pt\"></span></span><span class=\"ps11914\">86\u00a0691<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15752 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.63pt\"></span></span><span class=\"ps13422\">58\u00a0210<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15753 ss1897\"><div><div class=\"ps2754 ss1893\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.24pt\"></span></span><span class=\"ps433\">3\u00a0688<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15755 ss1898\"><div><div class=\"ps2754 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.21pt\"></span></span><span class=\"ps15754\">3\u00a0181<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15756 ss810\"><div><div class=\"ps2754 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.78pt\"></span></span><span class=\"ps14345\">152\u00a0871<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15758 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.99pt\"></span></span><span class=\"ps15757\">117\u00a0811<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15759 ss1897\"><div><div class=\"ps2754 ss1893\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.15pt\"></span></span><span class=\"ps11358\">205\u00a0358<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15761 ss1898\"><div><div class=\"ps2754 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.15pt\"></span></span><span class=\"ps15760\">196\u00a0979<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps15763 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">Reconciliation from opening balance to closing balance<span class=\"f ps2\"> </span></span></div><div class=\"ps15777 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:424.5pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss1899\"><div><div class=\"ps11991 ss1862\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3419 ss1864\"><div><div class=\"ps4014 ss1862\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12.75pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps471 ss1900\"><div><div class=\"ps9695 ss1862\" style=\"font-size:12pt\"><span class=\"f charStyle-13225c7c ps7\">Balance as at 1 April </span><span class=\"f charStyle-13225c7c ps13501\">2024<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps2481 ss1578\"><div><div class=\"ps9695 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.89pt\"></span></span><span class=\"ps10024\">243\u00a0951<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps3425 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interest on lease liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14748 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.21pt\"></span></span><span class=\"ps8424\">9\u00a0708<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps3428 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">New leases<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15764 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.64pt\"></span></span><span class=\"ps12571\">805<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps2492 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">Repayment of lease liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps2496 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.46pt\"></span></span><span class=\"ps9478\">(53\u00a0484)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps8036 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Capital repayment<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9434 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.18pt\"></span></span><span class=\"ps9489\">(43\u00a0776)</span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps3527 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Interest repayment<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps15765 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.62pt\"></span></span><span class=\"ps11778\">(9\u00a0708)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps1018 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">Remeasurement of lease liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps15766 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.86pt\"></span></span><span class=\"ps11881\">(294)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps1353 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">Exchange adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15767 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.84pt\"></span></span><span class=\"ps3221\">(3\u00a0707)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13055 ss1899\"><div><div class=\"ps2754 ss1862\" style=\"font-size:12pt\"><span class=\"f charStyle-13225c7c ps7\">Balance as at </span><span class=\"f charStyle-13225c7c ps13590\">31 March 2025</span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15769 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.15pt\"></span></span><span class=\"ps15768\">196\u00a0979<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps4577 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interest on lease liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15770 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.09pt\"></span></span><span class=\"ps12279\">8\u00a0153<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps1027 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">New leases<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14968 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">22\u00a0407<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps9245 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">Disposals<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9249 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.39pt\"></span></span><span class=\"ps11549\">(1\u00a0983)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps12754 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deconsolidation of subsidiaries<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15772 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40pt\"></span></span><span class=\"ps15771\">(4)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps15276 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">Repayment of lease liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15774 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.56pt\"></span></span><span class=\"ps15773\">(151\u00a0380)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps879 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Capital repayment<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14994 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.49pt\"></span></span><span class=\"ps9705\">(143\u00a0227)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps4596 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Interest repayment<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps15775 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.5pt\"></span></span><span class=\"ps11336\">(8\u00a0153)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps12190 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">Remeasurement of lease liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12193 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.42pt\"></span></span><span class=\"ps9257\">49\u00a0723<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps2392 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">Exchange adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15776 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.15pt\"></span></span><span class=\"ps11768\">(6\u00a0084)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2546 ss1899\"><div><div class=\"ps2754 ss1862\" style=\"font-size:12pt\"><span class=\"f charStyle-13225c7c ps7\">Balance as at </span><span class=\"f charStyle-13225c7c ps13590\">31 March 2026</span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2550 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.99pt\"></span></span><span class=\"ps15757\">117\u00a0811<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps15778 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Renewal options are taken into account when determining the term of the lease.<span class=\"f ps2\"> </span></span></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">42<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps14943\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps14944\">Finance lease disclosures<span class=\"f ps2\"> </span></span></div><div class=\"ps11275 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:252.75pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps15992 ss1620\"><div><div class=\"ps809 ss1514\"><span class=\"f charStyle-a26246ce ps12363\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps12531 ss1906\"><div><div class=\"ps809 ss1905\"><span class=\"f charStyle-8d4b9b37 ps15993\">2025^<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"padding:0\"><div class=\"ps816 ss1908\"><div><div class=\"ps13322 ss1907\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11106 ss297\"><div><div class=\"ps989 ss296\"><span class=\"f charStyle-a26246ce ps12028\">Total future <span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss296\"><span class=\"f charStyle-a26246ce ps15994\">minimum <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss296\"><span class=\"f charStyle-a26246ce ps9492\">payments<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11109 ss1741\"><div><div class=\"ps983 ss114\"><span class=\"f charStyle-a26246ce ps5463\">Present value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td rowspan=\"2\" style=\"background-color:#ffffff;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11111 ss297\"><div><div class=\"ps989 ss296\"><span class=\"f charStyle-8d4b9b37 ps15995\">Total future <span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss296\"><span class=\"f charStyle-8d4b9b37 ps11816\">minimum <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss296\"><span class=\"f charStyle-8d4b9b37 ps15996\">payments<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#ffffff;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13409 ss297\"><div><div class=\"ps983 ss296\"><span class=\"f charStyle-8d4b9b37 ps4926\">Present value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2482 ss1909\"><div><div class=\"ps4014 ss1907\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3588 ss1910\"><div><div class=\"ps997 ss1907\"><span class=\"f charStyle-b7f6e8e5 ps7\">Finance lease receivables included in loans and advances <span class=\"f ps2\"> </span></span></div><div class=\"ps2366 ss1907\"><span class=\"f charStyle-b7f6e8e5 ps7\">to\u00a0customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4049 ss1911\"><div><div class=\"ps815 ss1907\"><span class=\"f charStyle-2b0f4fe0 ps7\">Lease receivables due in:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3844 ss1911\"><div><div class=\"ps815 ss1907\"><span class=\"f charStyle-2b0f4fe0 ps7\">Less than one year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15998 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.53pt\"></span></span><span class=\"ps15997\">303\u00a0183<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13414 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.31pt\"></span></span><span class=\"ps11238\">287\u00a0793<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps13415 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.98pt\"></span></span><span class=\"ps1628\">274\u00a0954<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps13416 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.54pt\"></span></span><span class=\"ps9508\">261\u00a0017<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13417 ss1911\"><div><div class=\"ps815 ss1907\"><span class=\"f charStyle-2b0f4fe0 ps7\">One to two years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15999 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.05pt\"></span></span><span class=\"ps5476\">237\u00a0250<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13419 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.69pt\"></span></span><span class=\"ps14965\">205\u00a0204<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps13420 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.45pt\"></span></span><span class=\"ps16000\">216\u00a0725<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps13421 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.82pt\"></span></span><span class=\"ps16001\">184\u00a0385<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4807 ss1911\"><div><div class=\"ps815 ss1907\"><span class=\"f charStyle-2b0f4fe0 ps7\">Two to three years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16002 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.06pt\"></span></span><span class=\"ps12503\">165\u00a0806<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13424 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.29pt\"></span></span><span class=\"ps16003\">131\u00a0763<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps13426 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.45pt\"></span></span><span class=\"ps16000\">152\u00a0927<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps4811 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.2pt\"></span></span><span class=\"ps11374\">118\u00a0682<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3328 ss1911\"><div><div class=\"ps815 ss1907\"><span class=\"f charStyle-2b0f4fe0 ps7\">Three to four years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16004 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.79pt\"></span></span><span class=\"ps10436\">106\u00a0039<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13427 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.14pt\"></span></span><span class=\"ps12920\">77\u00a0952<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps13428 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.28pt\"></span></span><span class=\"ps11268\">96\u00a0880<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps4815 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.79pt\"></span></span><span class=\"ps5582\">69\u00a0191<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1026 ss1911\"><div><div class=\"ps815 ss1907\"><span class=\"f charStyle-2b0f4fe0 ps7\">Four to five years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16005 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.67pt\"></span></span><span class=\"ps4719\">52\u00a0661<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13431 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">36\u00a0193<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps13432 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.31pt\"></span></span><span class=\"ps11167\">45\u00a0982<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps13433 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.1pt\"></span></span><span class=\"ps11262\">30\u00a0530<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1027 ss1911\"><div><div class=\"ps815 ss1907\"><span class=\"f charStyle-2b0f4fe0 ps7\">Later than five years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16006 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.67pt\"></span></span><span class=\"ps11540\">12\u00a0914<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13436 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.1pt\"></span></span><span class=\"ps16007\">8\u00a0327<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps13437 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.36pt\"></span></span><span class=\"ps16008\">9\u00a0579<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps13439 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.11pt\"></span></span><span class=\"ps14140\">5\u00a0985<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps16010 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.49pt\"></span></span><span class=\"ps16009\">877\u00a0853<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps13441 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.7pt\"></span></span><span class=\"ps13151\">747\u00a0232<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13443 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.51pt\"></span></span><span class=\"ps12488\">797\u00a0047<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13445 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.66pt\"></span></span><span class=\"ps10180\">669\u00a0790<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps1035 ss1911\"><div><div class=\"ps815 ss1907\"><span class=\"f charStyle-b7f6e8e5 ps7\">Unearned finance income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps16011 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.91pt\"></span></span><span class=\"ps14255\">(130\u00a0621)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13448 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.16pt\"></span></span><span class=\"ps12639\">(127\u00a0257)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps344 ss1911\"><div><div class=\"ps815 ss1907\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net investment in the lease<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16012 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.7pt\"></span></span><span class=\"ps8347\">747\u00a0232<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13454 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.66pt\"></span></span><span class=\"ps10180\">669\u00a0790<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps16014 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^ <span style=\"display:inline-block;height:5.81pt;width:9.82pt\"></span></span></span><span class=\"f charStyle-207fba8f ps968\"> The value</span><span class=\"f charStyle-207fba8f ps16013\">s disclosed in the prior year were incorrectly calculated and have therefore been restated.</span></div><div class=\"ps16019 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">At <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps16016\">31 March 2026<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps7629\">, unguaranteed residual values accruing to the benefit of the Group were \u00a38.5 million (<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps16017\">2025<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps16018\">: \u00a39.8 million). <span class=\"f ps2\"> </span></span></div><div class=\"ps16020 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Finance leases in the Group mainly relate to leases on property, equipment and motor vehicles.<span class=\"f ps2\"> </span></span></div><div class=\"ps16021 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Reconciliation of movement in the year<span class=\"f ps2\"> </span></span></div><div class=\"ps16033 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:371.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss1913\"><div><div class=\"ps809 ss1912\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15213 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps996 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps15741\">2025^<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1914\"><div><div class=\"ps4014 ss1912\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss1915\"><div><div class=\"ps997 ss1912\"><span class=\"f charStyle-b7f6e8e5 ps7\">At the beginning of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps16022 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.08pt\"></span></span><span class=\"ps14158\">669\u00a0790<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps16023 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.81pt\"></span></span><span class=\"ps1618\">613\u00a0809<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps824 ss1913\"><div><div class=\"ps815 ss1912\"><span class=\"f charStyle-2b0f4fe0 ps7\">New leases<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16024 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.84pt\"></span></span><span class=\"ps14816\">348\u00a0972<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps16026 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.79pt\"></span></span><span class=\"ps16025\">306\u00a0783<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps830 ss1913\"><div><div class=\"ps815 ss1912\"><span class=\"f charStyle-2b0f4fe0 ps7\">Lease payments received<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11865 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.14pt\"></span></span><span class=\"ps16027\">(282\u00a0886)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps16029 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.33pt\"></span></span><span class=\"ps16028\">(280\u00a0378)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss1913\"><div><div class=\"ps815 ss1912\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interest on finance lease receivables<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11872 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.27pt\"></span></span><span class=\"ps11601\">69\u00a0009<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps16030 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.44pt\"></span></span><span class=\"ps9527\">62\u00a0914<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps843 ss1913\"><div><div class=\"ps815 ss1912\"><span class=\"f charStyle-2b0f4fe0 ps7\">Terminations<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11879 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.17pt\"></span></span><span class=\"ps4927\">(57\u00a0653)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps16031 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.17pt\"></span></span><span class=\"ps15239\">(33\u00a0338)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps849 ss1913\"><div><div class=\"ps815 ss1912\"><span class=\"f charStyle-b7f6e8e5 ps7\">At the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11885 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.7pt\"></span></span><span class=\"ps13151\">747\u00a0232<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#c3d0d7;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16032 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.66pt\"></span></span><span class=\"ps10063\">669\u00a0790<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps16035 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^ <span style=\"display:inline-block;height:5.81pt;width:9.82pt\"></span></span></span><span class=\"f charStyle-207fba8f ps968\">The</span><span class=\"f charStyle-207fba8f ps16034\"> values disclosed in the prior year were incorrectly calculated and have therefore been restated.</span></div><div class=\"ps16060 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:255.75pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps12364 ss1620\"><div><div class=\"ps809 ss1514\"><span class=\"f charStyle-a26246ce ps12363\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps2813 ss1620\"><div><div class=\"ps809 ss1514\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps12365\">2025</span></div></div></div></td></tr><tr style=\"height:18pt\"><td style=\"padding:0\"><div class=\"ps816 ss1745\"><div><div class=\"ps13322 ss29\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12367 ss297\"><div><div class=\"ps989 ss296\"><span class=\"f charStyle-a26246ce ps12028\">Total future <span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss296\"><span class=\"f charStyle-a26246ce ps15994\">minimum <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss296\"><span class=\"f charStyle-a26246ce ps9492\">payments<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11281 ss1741\"><div><div class=\"ps983 ss114\"><span class=\"f charStyle-a26246ce ps5463\">Present value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td rowspan=\"2\" style=\"background-color:#ffffff;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2815 ss297\"><div><div class=\"ps989 ss296\"><span class=\"f charStyle-8d4b9b37 ps15995\">Total future <span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss296\"><span class=\"f charStyle-8d4b9b37 ps11816\">minimum <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss296\"><span class=\"f charStyle-8d4b9b37 ps15996\">payments<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#ffffff;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2473 ss1741\"><div><div class=\"ps983 ss114\"><span class=\"f charStyle-8d4b9b37 ps16037\">Present value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2482 ss1746\"><div><div class=\"ps4014 ss29\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3588 ss1698\"><div><div class=\"ps997 ss29\"><span class=\"f charStyle-b7f6e8e5 ps7\">Finance lease receivables included in other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ffffff;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1006 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Lease receivables due in:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1010 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Less than one year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16038 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.7pt\"></span></span><span class=\"ps15253\">1\u00a0187<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16039 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.1pt\"></span></span><span class=\"ps11840\">1\u00a0290<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps16040 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.45pt\"></span></span><span class=\"ps11867\">1\u00a0270<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps16042 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.23pt\"></span></span><span class=\"ps16041\">1\u00a0258<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1014 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">One to two years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16043 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.44pt\"></span></span><span class=\"ps15357\">1\u00a0105<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16044 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.57pt\"></span></span><span class=\"ps13703\">996<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps15685 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.48pt\"></span></span><span class=\"ps9942\">1\u00a0272<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps15686 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.12pt\"></span></span><span class=\"ps12788\">1\u00a0268<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1018 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Two to three years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16045 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16046 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps16048 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.07pt\"></span></span><span class=\"ps16047\">1\u00a0060<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps15766 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.2pt\"></span></span><span class=\"ps2609\">1\u00a0058<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps16050 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.97pt\"></span></span><span class=\"ps16049\">2\u00a0292<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps16051 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.74pt\"></span></span><span class=\"ps15271\">2\u00a0286<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps16053 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.31pt\"></span></span><span class=\"ps16052\">3\u00a0602<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps16054 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.28pt\"></span></span><span class=\"ps11268\">3\u00a0584<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps12075 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-b7f6e8e5 ps7\">Unearned finance income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps16056 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.8pt\"></span></span><span class=\"ps16055\">(6)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps16057 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.13pt\"></span></span><span class=\"ps12242\">(18)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps341 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net investment in the lease<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16058 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.74pt\"></span></span><span class=\"ps12690\">2\u00a0286<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16059 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.28pt\"></span></span><span class=\"ps15559\">3\u00a0584<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps16064 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Included in interest income on the income statement is \u00a369 million (</span><span class=\"f charStyle-33e1c6d6 ps16062\">2025<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps16063\">: \u00a362.9 million) from finance lease receivables.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLeasesExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-936": {
   "value": "<div class=\"ps24 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:14.61pt\">28<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15151\" style=\"width:5.86pt\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15152\" style=\"width:133.88pt\">Property and equipment<span class=\"f ps2\"> </span></span></div><div class=\"ps11275 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:97.5pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss1879\"><div><div class=\"ps809 ss1878\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15206 ss1616\"><div><div class=\"ps15205 ss1308\"><span class=\"f charStyle-8d4b9b37 ps9685\">Freehold <span class=\"f ps2\"> </span></span></div><div class=\"ps11070 ss1308\"><span class=\"f charStyle-8d4b9b37 ps4238\">properties<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps1163 ss1616\"><div><div class=\"ps15205 ss1308\"><span class=\"f charStyle-8d4b9b37 ps15207\">Right-of-use <span class=\"f ps2\"> </span></span></div><div class=\"ps11070 ss1308\"><span class=\"f charStyle-8d4b9b37 ps4543\">assets^<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15208 ss1616\"><div><div class=\"ps15205 ss1308\"><span class=\"f charStyle-8d4b9b37 ps15062\">Leasehold <span class=\"f ps2\"> </span></span></div><div class=\"ps11070 ss1308\"><span class=\"f charStyle-8d4b9b37 ps3536\">improvements<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15210 ss1616\"><div><div class=\"ps15205 ss1308\"><span class=\"f charStyle-8d4b9b37 ps988\">Furniture and <span class=\"f ps2\"> </span></span></div><div class=\"ps11070 ss1308\"><span class=\"f charStyle-8d4b9b37 ps15209\">vehicles<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15211 ss1616\"><div><div class=\"ps11070 ss1308\"><span class=\"f charStyle-8d4b9b37 ps10553\">Equipment<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15213 ss1872\"><div><div class=\"ps15205 ss1310\"><span class=\"f charStyle-8d4b9b37 ps15212\">Operating <span class=\"f ps2\"> </span></span></div><div class=\"ps11070 ss1310\"><span class=\"f charStyle-8d4b9b37 ps10215\">leases*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13841 ss1872\"><div><div class=\"ps11070 ss1310\"><span class=\"f charStyle-a26246ce ps12700\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1880\"><div><div class=\"ps4014 ss1878\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss1879\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-b7f6e8e5 ps7\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3425 ss1879\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-b7f6e8e5 ps7\">Cost<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps6433 ss1881\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">of\u00a0the\u00a0year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15215 ss1882\"><div><div class=\"ps469 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15216 ss1882\"><div><div class=\"ps469 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.82pt\"></span></span><span class=\"ps10400\">96\u00a0928<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15217 ss1882\"><div><div class=\"ps469 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.91pt\"></span></span><span class=\"ps9679\">46\u00a0783<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15218 ss1882\"><div><div class=\"ps469 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.97pt\"></span></span><span class=\"ps12661\">8\u00a0217<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15219 ss1882\"><div><div class=\"ps469 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.22pt\"></span></span><span class=\"ps11592\">9\u00a0004<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15220 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.95pt\"></span></span><span class=\"ps11590\">1\u00a0072<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15222 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.31pt\"></span></span><span class=\"ps15221\">162\u00a0004<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps5 ss1879\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">Exchange adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15223 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15225 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.2pt\"></span></span><span class=\"ps15224\">(339)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15226 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.45pt\"></span></span><span class=\"ps11927\">(143)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15228 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:44.21pt\"></span></span><span class=\"ps15227\">6<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15230 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.59pt\"></span></span><span class=\"ps15229\">(124)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15231 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15232 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.42pt\"></span></span><span class=\"ps14045\">(600)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3527 ss1879\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">Additions<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15233 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15234 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.28pt\"></span></span><span class=\"ps12278\">74\u00a0655<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15235 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.89pt\"></span></span><span class=\"ps12563\">32\u00a0047<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15236 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.16pt\"></span></span><span class=\"ps11476\">4\u00a0242<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15237 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.72pt\"></span></span><span class=\"ps1118\">1\u00a0931<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15238 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15240 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.17pt\"></span></span><span class=\"ps15239\">112\u00a0875<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15241 ss1879\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">Disposals<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15242 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15244 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.03pt\"></span></span><span class=\"ps15243\">(1\u00a0899)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15245 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15247 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.79pt\"></span></span><span class=\"ps15246\">(43)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15248 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.56pt\"></span></span><span class=\"ps11958\">(138)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15249 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.81pt\"></span></span><span class=\"ps9936\">(518)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15250 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.91pt\"></span></span><span class=\"ps439\">(2\u00a0598)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps365 ss1879\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">Write-off<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15251 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15252 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.45pt\"></span></span><span class=\"ps11927\">(431)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15254 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.7pt\"></span></span><span class=\"ps15253\">(552)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15256 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.9pt\"></span></span><span class=\"ps15255\">(38)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15258 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.92pt\"></span></span><span class=\"ps15257\">(371)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15259 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13878 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.9pt\"></span></span><span class=\"ps14763\">(1\u00a0392)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15260 ss1879\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-b7f6e8e5 ps7\">At the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15261 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.81pt\"></span></span><span class=\"ps14068\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15262 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.31pt\"></span></span><span class=\"ps9575\">168\u00a0914<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15263 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.73pt\"></span></span><span class=\"ps11367\">78\u00a0135<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15264 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.22pt\"></span></span><span class=\"ps12708\">12\u00a0384<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15265 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.93pt\"></span></span><span class=\"ps11383\">10\u00a0302<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15266 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.57pt\"></span></span><span class=\"ps9895\">554<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps15267 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.62pt\"></span></span><span class=\"ps13474\">270\u00a0289<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps3331 ss1881\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-b7f6e8e5 ps7\">Accumulated <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1878\"><span class=\"f charStyle-b7f6e8e5 ps7\">depreciation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps13728 ss1881\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">of\u00a0the\u00a0year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15268 ss1882\"><div><div class=\"ps469 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15269 ss1882\"><div><div class=\"ps469 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.8pt\"></span></span><span class=\"ps9392\">(57\u00a0589)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15270 ss1882\"><div><div class=\"ps469 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.79pt\"></span></span><span class=\"ps15154\">(31\u00a0567)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15272 ss1882\"><div><div class=\"ps469 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.74pt\"></span></span><span class=\"ps15271\">(5\u00a0380)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15273 ss1882\"><div><div class=\"ps469 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.62pt\"></span></span><span class=\"ps11799\">(7\u00a0572)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15274 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.59pt\"></span></span><span class=\"ps4228\">(956)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15275 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.58pt\"></span></span><span class=\"ps15124\">(103\u00a0064)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15276 ss1879\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">Exchange adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15277 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15278 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.59pt\"></span></span><span class=\"ps15229\">(641)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15279 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.83pt\"></span></span><span class=\"ps12161\">(227)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15281 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.52pt\"></span></span><span class=\"ps15280\">24<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15282 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.91pt\"></span></span><span class=\"ps13854\">(23)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15283 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15285 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.82pt\"></span></span><span class=\"ps15284\">(867)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15286 ss1879\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">Disposals<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15287 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15289 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.92pt\"></span></span><span class=\"ps15288\">832<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15290 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15292 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.38pt\"></span></span><span class=\"ps15291\">43<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15294 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.3pt\"></span></span><span class=\"ps15293\">129<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15296 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.17pt\"></span></span><span class=\"ps15295\">481<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15298 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.61pt\"></span></span><span class=\"ps15297\">1\u00a0485<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:30pt\"><td style=\"padding:0\"><div class=\"ps15299 ss1883\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">Depreciation and <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">impairment charge for the <span class=\"f ps2\"> </span></span></div><div class=\"ps8432 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">year**<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15300 ss1884\"><div><div class=\"ps8432 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15301 ss1884\"><div><div class=\"ps8432 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.69pt\"></span></span><span class=\"ps431\">(11\u00a0459)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15303 ss1884\"><div><div class=\"ps8432 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.27pt\"></span></span><span class=\"ps15302\">(6\u00a0211)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15304 ss1884\"><div><div class=\"ps8432 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.27pt\"></span></span><span class=\"ps15302\">(1\u00a0221)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15305 ss1884\"><div><div class=\"ps8432 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.03pt\"></span></span><span class=\"ps15189\">(701)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15307 ss1839\"><div><div class=\"ps8432 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.14pt\"></span></span><span class=\"ps15306\">(13)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15309 ss1839\"><div><div class=\"ps8432 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.55pt\"></span></span><span class=\"ps15308\">(19\u00a0605)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4705 ss1879\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">Write-off<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15310 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15311 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.04pt\"></span></span><span class=\"ps10452\">431<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15313 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.29pt\"></span></span><span class=\"ps15312\">552<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15315 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.49pt\"></span></span><span class=\"ps15314\">38<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15317 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.51pt\"></span></span><span class=\"ps15316\">371<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15318 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15319 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.49pt\"></span></span><span class=\"ps8416\">1\u00a0392<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps6671 ss1879\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-b7f6e8e5 ps7\">At the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15320 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.81pt\"></span></span><span class=\"ps14068\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15322 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.87pt\"></span></span><span class=\"ps15321\">(68\u00a0426)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15324 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.27pt\"></span></span><span class=\"ps15323\">(37\u00a0453)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15325 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.59pt\"></span></span><span class=\"ps9383\">(6\u00a0496)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15327 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.7pt\"></span></span><span class=\"ps15326\">(7\u00a0796)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15328 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.27pt\"></span></span><span class=\"ps12613\">(488)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps15330 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.24pt\"></span></span><span class=\"ps15329\">(120\u00a0659)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15331 ss1879\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net carrying value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15332 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.81pt\"></span></span><span class=\"ps14068\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15333 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.61pt\"></span></span><span class=\"ps9603\">100\u00a0488<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15334 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.72pt\"></span></span><span class=\"ps8474\">40\u00a0682<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15336 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.9pt\"></span></span><span class=\"ps15335\">5\u00a0888<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15338 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.92pt\"></span></span><span class=\"ps15337\">2\u00a0506<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15340 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.41pt\"></span></span><span class=\"ps15339\">66<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15342 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.83pt\"></span></span><span class=\"ps15341\">149\u00a0630<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps15343 ss1879\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-b7f6e8e5 ps7\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13820 ss1879\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-b7f6e8e5 ps7\">Cost<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps14500 ss1881\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">of\u00a0the\u00a0year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15345 ss1882\"><div><div class=\"ps469 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.5pt\"></span></span><span class=\"ps15344\">36<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15347 ss1882\"><div><div class=\"ps469 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.66pt\"></span></span><span class=\"ps15346\">96\u00a0930<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15349 ss1882\"><div><div class=\"ps469 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.03pt\"></span></span><span class=\"ps15348\">47\u00a0099<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15350 ss1882\"><div><div class=\"ps469 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.96pt\"></span></span><span class=\"ps9235\">7\u00a0818<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15352 ss1882\"><div><div class=\"ps469 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.38pt\"></span></span><span class=\"ps15351\">8\u00a0465<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15353 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.63pt\"></span></span><span class=\"ps12289\">1\u00a0296<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps15354 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.48pt\"></span></span><span class=\"ps8373\">161\u00a0644<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15355 ss1879\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">Exchange adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15356 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15358 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.44pt\"></span></span><span class=\"ps15357\">(504)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15359 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.91pt\"></span></span><span class=\"ps13854\">(93)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15361 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.16pt\"></span></span><span class=\"ps15360\">(14)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15363 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.28pt\"></span></span><span class=\"ps15362\">(74)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15364 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps15365 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.58pt\"></span></span><span class=\"ps13966\">(685)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15366 ss1879\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">Additions<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15367 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15369 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.16pt\"></span></span><span class=\"ps15368\">913<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15371 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.29pt\"></span></span><span class=\"ps15370\">981<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15373 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.39pt\"></span></span><span class=\"ps15372\">706<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15375 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.8pt\"></span></span><span class=\"ps15374\">1\u00a0010<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15376 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13981 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.46pt\"></span></span><span class=\"ps15377\">3\u00a0610<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15378 ss1879\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">Disposals<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15379 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.91pt\"></span></span><span class=\"ps13854\">(36)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15381 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.82pt\"></span></span><span class=\"ps15380\">(411)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15382 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.89pt\"></span></span><span class=\"ps15187\">(1\u00a0204)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15384 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.34pt\"></span></span><span class=\"ps15383\">(293)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15386 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.69pt\"></span></span><span class=\"ps15385\">(397)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15387 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.36pt\"></span></span><span class=\"ps9609\">(224)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps15388 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.03pt\"></span></span><span class=\"ps11793\">(2\u00a0565)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps2426 ss1879\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-b7f6e8e5 ps7\">At the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15389 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.81pt\"></span></span><span class=\"ps14068\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15391 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5 ps15390\">96\u00a0928<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15392 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5 ps2826\">46\u00a0783<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15393 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5 ps9235\">8\u00a0217<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15394 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5 ps14052\">9\u00a0004<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15395 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5 ps10076\">1\u00a0072<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15397 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5 ps15396\">162\u00a0004<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps12310 ss1881\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-b7f6e8e5 ps7\">Accumulated <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1878\"><span class=\"f charStyle-b7f6e8e5 ps7\">depreciation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps15398 ss1881\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">of\u00a0the\u00a0year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15399 ss1882\"><div><div class=\"ps469 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.91pt\"></span></span><span class=\"ps13854\">(36)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15400 ss1882\"><div><div class=\"ps469 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.58pt\"></span></span><span class=\"ps13523\">(47\u00a0421)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15402 ss1882\"><div><div class=\"ps469 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.47pt\"></span></span><span class=\"ps15401\">(27\u00a0664)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15403 ss1882\"><div><div class=\"ps469 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.74pt\"></span></span><span class=\"ps15271\">(5\u00a0004)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15404 ss1882\"><div><div class=\"ps469 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.76pt\"></span></span><span class=\"ps11785\">(7\u00a0433)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15406 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.13pt\"></span></span><span class=\"ps15405\">(1\u00a0139)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps15407 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.57pt\"></span></span><span class=\"ps9475\">(88\u00a0697)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8688 ss1879\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">Exchange adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15408 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15409 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.3pt\"></span></span><span class=\"ps15293\">199<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15410 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.49pt\"></span></span><span class=\"ps15314\">38<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15412 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:44.09pt\"></span></span><span class=\"ps15411\">4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15413 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.75pt\"></span></span><span class=\"ps908\">25<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15414 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps15415 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.07pt\"></span></span><span class=\"ps10403\">266<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15416 ss1879\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">Disposals<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15417 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.5pt\"></span></span><span class=\"ps15344\">36<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15419 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.26pt\"></span></span><span class=\"ps15418\">180<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15421 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.71pt\"></span></span><span class=\"ps15420\">1\u00a0138<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15422 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.29pt\"></span></span><span class=\"ps15370\">281<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15424 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.95pt\"></span></span><span class=\"ps15423\">294<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15425 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.01pt\"></span></span><span class=\"ps13543\">200<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps15426 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.63pt\"></span></span><span class=\"ps12289\">2\u00a0129<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:30pt\"><td style=\"padding:0\"><div class=\"ps15427 ss1883\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">Depreciation and <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">impairment charge for the <span class=\"f ps2\"> </span></span></div><div class=\"ps8432 ss1878\"><span class=\"f charStyle-2b0f4fe0 ps7\">year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15428 ss1884\"><div><div class=\"ps8432 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15430 ss1884\"><div><div class=\"ps8432 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.78pt\"></span></span><span class=\"ps15429\">(10\u00a0547)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15431 ss1884\"><div><div class=\"ps8432 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.24pt\"></span></span><span class=\"ps14737\">(5\u00a0079)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15432 ss1884\"><div><div class=\"ps8432 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.71pt\"></span></span><span class=\"ps5541\">(661)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15434 ss1884\"><div><div class=\"ps8432 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.46pt\"></span></span><span class=\"ps15433\">(458)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15436 ss1839\"><div><div class=\"ps8432 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.63pt\"></span></span><span class=\"ps15435\">(17)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps15437 ss1839\"><div><div class=\"ps8432 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.82pt\"></span></span><span class=\"ps8430\">(16\u00a0762)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9910 ss1879\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-b7f6e8e5 ps7\">At the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15438 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.81pt\"></span></span><span class=\"ps14068\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15439 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.5pt\"></span></span><span class=\"ps9677\">(57\u00a0589)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15440 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.67pt\"></span></span><span class=\"ps605\">(31\u00a0567)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15441 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.64pt\"></span></span><span class=\"ps12281\">(5\u00a0380)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15442 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.05pt\"></span></span><span class=\"ps3710\">(7\u00a0572)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15443 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.52pt\"></span></span><span class=\"ps11077\">(956)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15445 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.56pt\"></span></span><span class=\"ps15444\">(103\u00a0064)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15446 ss1879\"><div><div class=\"ps815 ss1878\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net carrying value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15447 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.81pt\"></span></span><span class=\"ps14068\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15449 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.86pt\"></span></span><span class=\"ps15448\">39\u00a0339<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15450 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.74pt\"></span></span><span class=\"ps11937\">15\u00a0216<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15452 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.51pt\"></span></span><span class=\"ps15451\">2\u00a0837<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15453 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.17pt\"></span></span><span class=\"ps13577\">1\u00a0432<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15455 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.02pt\"></span></span><span class=\"ps15454\">116<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15457 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.61pt\"></span></span><span class=\"ps15456\">58\u00a0940<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps15458 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">These are assets held by the Group in circumstances where the Group is lessor.</span></span></div><div class=\"ps15460 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^ <span style=\"display:inline-block;height:5.81pt;width:9.82pt\"></span></span><span class=\"ps968\">Right-of-use assets primarily comprise property leases under </span></span><span class=\"f charStyle-207fba8f ps15459\">IFRS 16 - Leases.</span></div><div class=\"ps15461 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">**<span style=\"display:inline-block;height:5.81pt;width:8.17pt\"></span></span><span class=\"ps968\">Total Depreciation and impairment charge includes \u00a31.5m (March 2025: \u00a3nil) disclosed on the income statement within Financial Impact of Strategic Actions.</span></span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfPropertyPlantAndEquipmentExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-939": {
   "value": "<div class=\"ps24 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:14.61pt\">29<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15151\" style=\"width:5.86pt\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15152\" style=\"width:48.39pt\">Goodwill<span class=\"f ps2\"> </span></span></div><div class=\"ps72 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-8d4b9b37 ps9195\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss1651\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Cost<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps824 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2818 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.17pt\"></span></span><span class=\"ps12229\">98\u00a0683<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2819 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.18pt\"></span></span><span class=\"ps11704\">99\u00a0832<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps830 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Acquisition of subsidiaries<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2820 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.09pt\"></span></span><span class=\"ps12279\">5\u00a0401<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2821 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Exchange adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2823 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.6pt\"></span></span><span class=\"ps15465\">2\u00a0779<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2825 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.65pt\"></span></span><span class=\"ps14712\">(1\u00a0149)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps843 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">At the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps2827 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.46pt\"></span></span><span class=\"ps15466\">106\u00a0863<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps2829 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.34pt\"></span></span><span class=\"ps15467\">98\u00a0683<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps849 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Accumulated impairments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps853 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11957 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.92pt\"></span></span><span class=\"ps14012\">(31\u00a0163)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11894 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.92pt\"></span></span><span class=\"ps14012\">(31\u00a0163)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps858 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">At the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps11961 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.85pt\"></span></span><span class=\"ps15468\">(31\u00a0163)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11900 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.85pt\"></span></span><span class=\"ps15468\">(31\u00a0163)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps863 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net carrying value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps11963 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.01pt\"></span></span><span class=\"ps6959\">75\u00a0700<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11964 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.96pt\"></span></span><span class=\"ps6947\">67\u00a0520<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps368 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Analysis of goodwill by line of business:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14559 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Specialist Banking<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15185 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.08pt\"></span></span><span class=\"ps9503\">75\u00a0700<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14990 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.76pt\"></span></span><span class=\"ps7142\">67\u00a0520<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps871 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total Group<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15158 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.01pt\"></span></span><span class=\"ps6959\">75\u00a0700<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14992 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.96pt\"></span></span><span class=\"ps6947\">67\u00a0520<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps15470 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Goodwill is tested annually for impairment, or more frequently if evidence exists that goodwill might be impaired, by comparing the </span></div><div class=\"ps15471 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">carrying value to its recoverable amount.</span></div><div class=\"ps15472 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The recoverable amount of goodwill is determined based on expected cash flows within the cash-generating units of the Group to </span></div><div class=\"ps15473 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">which the goodwill is allocated. Key assumptions within the calculation include discount rates, growth rates in revenue and related </span></div><div class=\"ps15474 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">expenditure and loan impairment rates.</span></div><div class=\"ps15475 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Discount rates are based on pre-tax rates that reflect current market conditions, adjusted for the specific risks associated with the </span></div><div class=\"ps15476 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">cash-generating unit. Growth rates are based on industry growth forecasts. Cash flow forecasts are based on the most recent </span></div><div class=\"ps15477 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">financial budgets for the next financial year and are extrapolated for a period of three to five years, adjusted for expected future </span></div><div class=\"ps15478 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">events.</span></div><div class=\"ps15479 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The most significant cash-generating unit giving rise to goodwill is Investec Continental Europe Advisory (previously Capitalmind), </span></div><div class=\"ps8749 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">with goodwill of \u00a363.0 million (</span><span class=\"f charStyle-33e1c6d6 ps15480\">2025</span><span class=\"f charStyle-33e1c6d6 ps15481\">: \u00a354.8 million). The goodwill has been tested for impairment on the basis of the cash flow </span></div><div class=\"ps12447 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">projections for the next three years, discounted at 11.67% (</span><span class=\"f charStyle-33e1c6d6 ps15482\">2025</span><span class=\"f charStyle-33e1c6d6 ps15483\">: 12.77%) which incorporate an expected revenue growth rate of nil </span></div><div class=\"ps12448 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">in perpetuity (</span><span class=\"f charStyle-33e1c6d6 ps15484\">2025</span><span class=\"f charStyle-33e1c6d6 ps15485\">: nil). The valuation is based on value in use of the business.</span></div><div class=\"ps15486 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">A sensitivity analysis has been carried out and it has been concluded that no reasonable possible change in the key assumptions </span></div><div class=\"ps15487 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">would cause an impairment to be recognised.</span></div><div class=\"ps15488 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Movement in goodwill</span></div><div class=\"ps15489 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The increase in the goodwill in the current period largely arose on the acquisition of a controlling interest in Investec Advisory AG </span></div><div class=\"ps15490 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">based in Switzerland. </span></div><div class=\"ps24 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:15.27pt\">30<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15492\" style=\"width:5.86pt\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15493\" style=\"width:254.65pt\">Software and other acquired intangible assets<span class=\"f ps2\"> </span></span></div><div class=\"ps11275 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:152.25pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps1163 ss1885\"><div><div class=\"ps809 ss1780\"><span class=\"f charStyle-a26246ce ps15494\">Software<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps15211 ss1886\"><div><div class=\"ps809 ss1358\"><span class=\"f charStyle-a26246ce ps15495\">Other acquired intangible assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:18pt\"><td style=\"padding:0\"><div class=\"ps816 ss1887\"><div><div class=\"ps13322 ss236\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15497 ss1888\"><div><div class=\"ps985 ss1308\"><span class=\"f charStyle-8d4b9b37 ps12937\">Acquired <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss1308\"><span class=\"f charStyle-8d4b9b37 ps15496\">software<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15498 ss1888\"><div><div class=\"ps989 ss1308\"><span class=\"f charStyle-8d4b9b37 ps12017\">Internally <span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss1308\"><span class=\"f charStyle-8d4b9b37 ps12495\">generated <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss1308\"><span class=\"f charStyle-8d4b9b37 ps9278\">software^<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13325 ss1888\"><div><div class=\"ps983 ss1308\"><span class=\"f charStyle-8d4b9b37 ps15499\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15502 ss1888\"><div><div class=\"ps985 ss1308\"><span class=\"f charStyle-8d4b9b37 ps15500\">Client <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss1308\"><span class=\"f charStyle-8d4b9b37 ps15501\">relationships*<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11855 ss1795\"><div><div class=\"ps983 ss1310\"><span class=\"f charStyle-8d4b9b37 ps11120\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15097 ss1795\"><div><div class=\"ps983 ss1310\"><span class=\"f charStyle-a26246ce ps12700\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2482 ss1889\"><div><div class=\"ps4014 ss236\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3588 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-b7f6e8e5 ps7\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3593 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-b7f6e8e5 ps7\">Cost<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3323 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning of\u00a0the\u00a0year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15503 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.9pt\"></span></span><span class=\"ps14763\">25\u00a0405<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15504 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15505 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.9pt\"></span></span><span class=\"ps14763\">25\u00a0405<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15506 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.35pt\"></span></span><span class=\"ps8384\">4\u00a0337<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15507 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.35pt\"></span></span><span class=\"ps11438\">4\u00a0337<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15508 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.06pt\"></span></span><span class=\"ps11800\">29\u00a0742<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps450 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-2b0f4fe0 ps7\">Exchange adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15509 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.39pt\"></span></span><span class=\"ps15372\">760<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15510 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15511 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.39pt\"></span></span><span class=\"ps15372\">760<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15512 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.5pt\"></span></span><span class=\"ps15344\">39<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15514 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.5pt\"></span></span><span class=\"ps15513\">39<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15516 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.42pt\"></span></span><span class=\"ps15515\">799<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3607 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-2b0f4fe0 ps7\">Additions<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15518 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.3pt\"></span></span><span class=\"ps15517\">1\u00a0707<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15520 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.93pt\"></span></span><span class=\"ps15519\">7\u00a0037<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15521 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.5pt\"></span></span><span class=\"ps11308\">8\u00a0744<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15522 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15523 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15524 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.5pt\"></span></span><span class=\"ps11336\">8\u00a0744<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3612 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-2b0f4fe0 ps7\">Write off<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15525 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.98pt\"></span></span><span class=\"ps11448\">(3\u00a0150)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15526 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15527 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.98pt\"></span></span><span class=\"ps11448\">(3\u00a0150)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15529 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.45pt\"></span></span><span class=\"ps15528\">(960)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15530 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.45pt\"></span></span><span class=\"ps12415\">(960)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15531 ss1856\" style=\"overflow:hidden\"><div><div class=\"ps815 ss447\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"></span><span class=\"ps7\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15532 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.12pt\"></span></span><span class=\"ps11917\">(4\u00a0110)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps3617 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-b7f6e8e5 ps7\">At the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15533 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.88pt\"></span></span><span class=\"ps12175\">24\u00a0722<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15534 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.56pt\"></span></span><span class=\"ps13771\">7\u00a0037<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15535 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.73pt\"></span></span><span class=\"ps11367\">31\u00a0759<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15536 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.94pt\"></span></span><span class=\"ps2453\">3\u00a0416<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15537 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.94pt\"></span></span><span class=\"ps13467\">3\u00a0416<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps15538 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.85pt\"></span></span><span class=\"ps12203\">35\u00a0175<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps4577 ss1548\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-b7f6e8e5 ps7\">Accumulated amortisation and <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss236\"><span class=\"f charStyle-b7f6e8e5 ps7\">impairments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15539 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning of\u00a0the\u00a0year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15540 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.07pt\"></span></span><span class=\"ps12973\">(20\u00a0663)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15541 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15542 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.07pt\"></span></span><span class=\"ps12973\">(20\u00a0663)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15543 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.76pt\"></span></span><span class=\"ps11785\">(4\u00a0337)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15544 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.76pt\"></span></span><span class=\"ps7142\">(4\u00a0337)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15545 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.26pt\"></span></span><span class=\"ps15062\">(25\u00a0000)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15546 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-2b0f4fe0 ps7\">Exchange adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15547 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.7pt\"></span></span><span class=\"ps15253\">(748)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15548 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15549 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.7pt\"></span></span><span class=\"ps15253\">(748)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15550 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.91pt\"></span></span><span class=\"ps13854\">(39)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15551 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.91pt\"></span></span><span class=\"ps13460\">(39)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15553 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.17pt\"></span></span><span class=\"ps15552\">(787)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15276 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-2b0f4fe0 ps7\">Amortisation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15278 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.86pt\"></span></span><span class=\"ps14701\">(1\u00a0040)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15279 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15281 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.86pt\"></span></span><span class=\"ps14701\">(1\u00a0040)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15282 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15283 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15285 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.86pt\"></span></span><span class=\"ps12087\">(1\u00a0040)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15286 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-2b0f4fe0 ps7\">Write off<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15289 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.57pt\"></span></span><span class=\"ps15554\">3\u00a0150<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15290 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15292 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.57pt\"></span></span><span class=\"ps15554\">3\u00a0150<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15294 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.04pt\"></span></span><span class=\"ps12163\">960<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15296 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.04pt\"></span></span><span class=\"ps15555\">960<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15298 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.71pt\"></span></span><span class=\"ps15556\">4\u00a0110<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15299 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-b7f6e8e5 ps7\">At the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15301 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.13pt\"></span></span><span class=\"ps13987\">(19\u00a0301)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15303 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.81pt\"></span></span><span class=\"ps14068\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15304 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.13pt\"></span></span><span class=\"ps13987\">(19\u00a0301)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15305 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.88pt\"></span></span><span class=\"ps12146\">(3\u00a0416)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15307 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.88pt\"></span></span><span class=\"ps15557\">(3\u00a0416)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps15309 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.49pt\"></span></span><span class=\"ps15558\">(22\u00a0717)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps4599 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net carrying value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15560 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.28pt\"></span></span><span class=\"ps15559\">5\u00a0421<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15561 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.56pt\"></span></span><span class=\"ps13771\">7\u00a0037<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15562 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.33pt\"></span></span><span class=\"ps14898\">12\u00a0458<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15563 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.81pt\"></span></span><span class=\"ps14068\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15565 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.81pt\"></span></span><span class=\"ps15564\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15566 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.33pt\"></span></span><span class=\"ps13293\">12\u00a0458<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps15567 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-b7f6e8e5 ps7\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15568 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-b7f6e8e5 ps7\">Cost<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15569 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning of\u00a0the\u00a0year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15570 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.15pt\"></span></span><span class=\"ps11768\">25\u00a0367<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15571 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15572 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.15pt\"></span></span><span class=\"ps11768\">25\u00a0367<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15573 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.37pt\"></span></span><span class=\"ps9782\">5\u00a0239<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15574 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.37pt\"></span></span><span class=\"ps13789\">5\u00a0239<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13950 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.63pt\"></span></span><span class=\"ps12171\">30\u00a0606<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15575 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-2b0f4fe0 ps7\">Exchange adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15577 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.27pt\"></span></span><span class=\"ps15576\">(18)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15578 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15579 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.27pt\"></span></span><span class=\"ps15576\">(18)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15580 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">(19)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15581 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">(19)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps15582 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.26pt\"></span></span><span class=\"ps13710\">(37)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15583 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-2b0f4fe0 ps7\">Additions<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15584 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.83pt\"></span></span><span class=\"ps12180\">1\u00a0190<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15585 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15586 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.83pt\"></span></span><span class=\"ps12180\">1\u00a0190<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15587 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15588 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps15590 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.83pt\"></span></span><span class=\"ps15589\">1\u00a0190<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4718 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-2b0f4fe0 ps7\">Disposals<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15591 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.01pt\"></span></span><span class=\"ps9381\">(1\u00a0134)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15592 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15593 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.01pt\"></span></span><span class=\"ps9381\">(1\u00a0134)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15594 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.32pt\"></span></span><span class=\"ps9306\">(883)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15596 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.32pt\"></span></span><span class=\"ps15595\">(883)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps15597 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.36pt\"></span></span><span class=\"ps11864\">(2\u00a0017)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14156 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-b7f6e8e5 ps7\">At the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15599 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.96pt\"></span></span><span class=\"ps15598\">25\u00a0405<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15600 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.81pt\"></span></span><span class=\"ps14068\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15601 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.96pt\"></span></span><span class=\"ps15598\">25\u00a0405<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15603 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.16pt\"></span></span><span class=\"ps15602\">4\u00a0337<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15604 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.16pt\"></span></span><span class=\"ps1674\">4\u00a0337<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15606 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.65pt\"></span></span><span class=\"ps15605\">29\u00a0742<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps1227 ss1548\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-b7f6e8e5 ps7\">Accumulated amortisation and <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss236\"><span class=\"f charStyle-b7f6e8e5 ps7\">impairments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15080 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning of\u00a0the\u00a0year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15608 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.56pt\"></span></span><span class=\"ps15607\">(20\u00a0796)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15609 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15610 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.56pt\"></span></span><span class=\"ps15607\">(20\u00a0796)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15611 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.78pt\"></span></span><span class=\"ps11122\">(5\u00a0239)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15612 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.78pt\"></span></span><span class=\"ps15429\">(5\u00a0239)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps15614 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.18pt\"></span></span><span class=\"ps15613\">(26\u00a0035)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15615 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-2b0f4fe0 ps7\">Exchange adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15617 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.86pt\"></span></span><span class=\"ps15616\">18<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15618 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15619 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.86pt\"></span></span><span class=\"ps15616\">18<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15621 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.87pt\"></span></span><span class=\"ps15620\">19<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15623 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.87pt\"></span></span><span class=\"ps15622\">19<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps15625 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.85pt\"></span></span><span class=\"ps15624\">37<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8677 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-2b0f4fe0 ps7\">Disposals<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15627 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.6pt\"></span></span><span class=\"ps15626\">1\u00a0134<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15628 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15629 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.6pt\"></span></span><span class=\"ps15626\">1\u00a0134<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15630 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.91pt\"></span></span><span class=\"ps11871\">883<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15632 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.91pt\"></span></span><span class=\"ps15631\">883<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps15633 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.95pt\"></span></span><span class=\"ps11590\">2\u00a0017<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8678 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-2b0f4fe0 ps7\">Amortisation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15634 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.24pt\"></span></span><span class=\"ps9304\">(1\u00a0019)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15635 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15636 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.24pt\"></span></span><span class=\"ps9304\">(1\u00a0019)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15637 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15638 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps15640 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.24pt\"></span></span><span class=\"ps15639\">(1\u00a0019)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps8679 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-b7f6e8e5 ps7\">At the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15641 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.8pt\"></span></span><span class=\"ps10544\">(20\u00a0663)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15642 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.81pt\"></span></span><span class=\"ps14068\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15643 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.8pt\"></span></span><span class=\"ps10544\">(20\u00a0663)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15644 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.1pt\"></span></span><span class=\"ps12152\">(4\u00a0337)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15645 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.1pt\"></span></span><span class=\"ps13626\">(4\u00a0337)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15647 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.49pt\"></span></span><span class=\"ps15646\">(25\u00a0000)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps8685 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net carrying value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15648 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.24pt\"></span></span><span class=\"ps9267\">4\u00a0742<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15649 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.81pt\"></span></span><span class=\"ps14068\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15650 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.24pt\"></span></span><span class=\"ps9267\">4\u00a0742<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15651 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.81pt\"></span></span><span class=\"ps14068\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15652 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.81pt\"></span></span><span class=\"ps15564\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15654 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.24pt\"></span></span><span class=\"ps15653\">4\u00a0742<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps15655 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Client relationships are acquired intangibles.</span></span></div><span class=\"ps23\">^ <span style=\"display:inline-block;height:5.81pt;width:9.82pt\"></span></span>Additions to internally generated software in the current year relates to projects not yet brought into use.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIntangibleAssetsAndGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-940": {
   "value": "<div class=\"ps24 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:14.61pt\">29<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15151\" style=\"width:5.86pt\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15152\" style=\"width:48.39pt\">Goodwill<span class=\"f ps2\"> </span></span></div><div class=\"ps72 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-8d4b9b37 ps9195\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss1651\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Cost<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps824 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2818 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.17pt\"></span></span><span class=\"ps12229\">98\u00a0683<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2819 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.18pt\"></span></span><span class=\"ps11704\">99\u00a0832<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps830 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Acquisition of subsidiaries<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2820 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.09pt\"></span></span><span class=\"ps12279\">5\u00a0401<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2821 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Exchange adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2823 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.6pt\"></span></span><span class=\"ps15465\">2\u00a0779<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2825 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.65pt\"></span></span><span class=\"ps14712\">(1\u00a0149)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps843 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">At the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps2827 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.46pt\"></span></span><span class=\"ps15466\">106\u00a0863<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps2829 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.34pt\"></span></span><span class=\"ps15467\">98\u00a0683<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps849 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Accumulated impairments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps853 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11957 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.92pt\"></span></span><span class=\"ps14012\">(31\u00a0163)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11894 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.92pt\"></span></span><span class=\"ps14012\">(31\u00a0163)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps858 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">At the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps11961 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.85pt\"></span></span><span class=\"ps15468\">(31\u00a0163)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11900 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.85pt\"></span></span><span class=\"ps15468\">(31\u00a0163)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps863 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net carrying value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps11963 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.01pt\"></span></span><span class=\"ps6959\">75\u00a0700<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11964 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.96pt\"></span></span><span class=\"ps6947\">67\u00a0520<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps368 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Analysis of goodwill by line of business:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14559 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Specialist Banking<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15185 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.08pt\"></span></span><span class=\"ps9503\">75\u00a0700<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14990 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.76pt\"></span></span><span class=\"ps7142\">67\u00a0520<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps871 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total Group<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15158 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.01pt\"></span></span><span class=\"ps6959\">75\u00a0700<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14992 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.96pt\"></span></span><span class=\"ps6947\">67\u00a0520<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps15470 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Goodwill is tested annually for impairment, or more frequently if evidence exists that goodwill might be impaired, by comparing the </span></div><div class=\"ps15471 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">carrying value to its recoverable amount.</span></div><div class=\"ps15472 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The recoverable amount of goodwill is determined based on expected cash flows within the cash-generating units of the Group to </span></div><div class=\"ps15473 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">which the goodwill is allocated. Key assumptions within the calculation include discount rates, growth rates in revenue and related </span></div><div class=\"ps15474 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">expenditure and loan impairment rates.</span></div><div class=\"ps15475 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Discount rates are based on pre-tax rates that reflect current market conditions, adjusted for the specific risks associated with the </span></div><div class=\"ps15476 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">cash-generating unit. Growth rates are based on industry growth forecasts. Cash flow forecasts are based on the most recent </span></div><div class=\"ps15477 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">financial budgets for the next financial year and are extrapolated for a period of three to five years, adjusted for expected future </span></div><div class=\"ps15478 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">events.</span></div><div class=\"ps15479 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The most significant cash-generating unit giving rise to goodwill is Investec Continental Europe Advisory (previously Capitalmind), </span></div><div class=\"ps8749 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">with goodwill of \u00a363.0 million (</span><span class=\"f charStyle-33e1c6d6 ps15480\">2025</span><span class=\"f charStyle-33e1c6d6 ps15481\">: \u00a354.8 million). The goodwill has been tested for impairment on the basis of the cash flow </span></div><div class=\"ps12447 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">projections for the next three years, discounted at 11.67% (</span><span class=\"f charStyle-33e1c6d6 ps15482\">2025</span><span class=\"f charStyle-33e1c6d6 ps15483\">: 12.77%) which incorporate an expected revenue growth rate of nil </span></div><div class=\"ps12448 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">in perpetuity (</span><span class=\"f charStyle-33e1c6d6 ps15484\">2025</span><span class=\"f charStyle-33e1c6d6 ps15485\">: nil). The valuation is based on value in use of the business.</span></div><div class=\"ps15486 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">A sensitivity analysis has been carried out and it has been concluded that no reasonable possible change in the key assumptions </span></div><div class=\"ps15487 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">would cause an impairment to be recognised.</span></div><div class=\"ps15488 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Movement in goodwill</span></div><div class=\"ps15489 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The increase in the goodwill in the current period largely arose on the acquisition of a controlling interest in Investec Advisory AG </span></div>based in Switzerland.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfImpairmentOfAssetsExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-938": {
   "value": "<div class=\"ps24 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:14.61pt\">29<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15151\" style=\"width:5.86pt\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15152\" style=\"width:48.39pt\">Goodwill<span class=\"f ps2\"> </span></span></div><div class=\"ps72 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-8d4b9b37 ps9195\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss1651\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Cost<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps824 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2818 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.17pt\"></span></span><span class=\"ps12229\">98\u00a0683<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2819 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.18pt\"></span></span><span class=\"ps11704\">99\u00a0832<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps830 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Acquisition of subsidiaries<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2820 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.09pt\"></span></span><span class=\"ps12279\">5\u00a0401<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2821 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Exchange adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2823 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.6pt\"></span></span><span class=\"ps15465\">2\u00a0779<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2825 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.65pt\"></span></span><span class=\"ps14712\">(1\u00a0149)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps843 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">At the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps2827 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.46pt\"></span></span><span class=\"ps15466\">106\u00a0863<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps2829 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.34pt\"></span></span><span class=\"ps15467\">98\u00a0683<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps849 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Accumulated impairments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps853 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11957 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.92pt\"></span></span><span class=\"ps14012\">(31\u00a0163)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11894 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.92pt\"></span></span><span class=\"ps14012\">(31\u00a0163)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps858 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">At the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps11961 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.85pt\"></span></span><span class=\"ps15468\">(31\u00a0163)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11900 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.85pt\"></span></span><span class=\"ps15468\">(31\u00a0163)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps863 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net carrying value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps11963 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.01pt\"></span></span><span class=\"ps6959\">75\u00a0700<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11964 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.96pt\"></span></span><span class=\"ps6947\">67\u00a0520<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps368 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Analysis of goodwill by line of business:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14559 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Specialist Banking<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15185 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.08pt\"></span></span><span class=\"ps9503\">75\u00a0700<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14990 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.76pt\"></span></span><span class=\"ps7142\">67\u00a0520<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps871 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total Group<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15158 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.01pt\"></span></span><span class=\"ps6959\">75\u00a0700<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14992 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.96pt\"></span></span><span class=\"ps6947\">67\u00a0520<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps15470 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Goodwill is tested annually for impairment, or more frequently if evidence exists that goodwill might be impaired, by comparing the </span></div><div class=\"ps15471 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">carrying value to its recoverable amount.</span></div><div class=\"ps15472 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The recoverable amount of goodwill is determined based on expected cash flows within the cash-generating units of the Group to </span></div><div class=\"ps15473 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">which the goodwill is allocated. Key assumptions within the calculation include discount rates, growth rates in revenue and related </span></div><div class=\"ps15474 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">expenditure and loan impairment rates.</span></div><div class=\"ps15475 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Discount rates are based on pre-tax rates that reflect current market conditions, adjusted for the specific risks associated with the </span></div><div class=\"ps15476 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">cash-generating unit. Growth rates are based on industry growth forecasts. Cash flow forecasts are based on the most recent </span></div><div class=\"ps15477 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">financial budgets for the next financial year and are extrapolated for a period of three to five years, adjusted for expected future </span></div><div class=\"ps15478 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">events.</span></div><div class=\"ps15479 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The most significant cash-generating unit giving rise to goodwill is Investec Continental Europe Advisory (previously Capitalmind), </span></div><div class=\"ps8749 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">with goodwill of \u00a363.0 million (</span><span class=\"f charStyle-33e1c6d6 ps15480\">2025</span><span class=\"f charStyle-33e1c6d6 ps15481\">: \u00a354.8 million). The goodwill has been tested for impairment on the basis of the cash flow </span></div><div class=\"ps12447 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">projections for the next three years, discounted at 11.67% (</span><span class=\"f charStyle-33e1c6d6 ps15482\">2025</span><span class=\"f charStyle-33e1c6d6 ps15483\">: 12.77%) which incorporate an expected revenue growth rate of nil </span></div><div class=\"ps12448 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">in perpetuity (</span><span class=\"f charStyle-33e1c6d6 ps15484\">2025</span><span class=\"f charStyle-33e1c6d6 ps15485\">: nil). The valuation is based on value in use of the business.</span></div><div class=\"ps15486 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">A sensitivity analysis has been carried out and it has been concluded that no reasonable possible change in the key assumptions </span></div><div class=\"ps15487 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">would cause an impairment to be recognised.</span></div><div class=\"ps15488 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Movement in goodwill</span></div><div class=\"ps15489 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The increase in the goodwill in the current period largely arose on the acquisition of a controlling interest in Investec Advisory AG </span></div>based in Switzerland.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGoodwillExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-941": {
   "value": "<div class=\"ps24 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:15.27pt\">30<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15492\" style=\"width:5.86pt\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15493\" style=\"width:254.65pt\">Software and other acquired intangible assets<span class=\"f ps2\"> </span></span></div><div class=\"ps11275 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:152.25pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps1163 ss1885\"><div><div class=\"ps809 ss1780\"><span class=\"f charStyle-a26246ce ps15494\">Software<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps15211 ss1886\"><div><div class=\"ps809 ss1358\"><span class=\"f charStyle-a26246ce ps15495\">Other acquired intangible assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:18pt\"><td style=\"padding:0\"><div class=\"ps816 ss1887\"><div><div class=\"ps13322 ss236\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15497 ss1888\"><div><div class=\"ps985 ss1308\"><span class=\"f charStyle-8d4b9b37 ps12937\">Acquired <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss1308\"><span class=\"f charStyle-8d4b9b37 ps15496\">software<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15498 ss1888\"><div><div class=\"ps989 ss1308\"><span class=\"f charStyle-8d4b9b37 ps12017\">Internally <span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss1308\"><span class=\"f charStyle-8d4b9b37 ps12495\">generated <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss1308\"><span class=\"f charStyle-8d4b9b37 ps9278\">software^<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13325 ss1888\"><div><div class=\"ps983 ss1308\"><span class=\"f charStyle-8d4b9b37 ps15499\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15502 ss1888\"><div><div class=\"ps985 ss1308\"><span class=\"f charStyle-8d4b9b37 ps15500\">Client <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss1308\"><span class=\"f charStyle-8d4b9b37 ps15501\">relationships*<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11855 ss1795\"><div><div class=\"ps983 ss1310\"><span class=\"f charStyle-8d4b9b37 ps11120\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15097 ss1795\"><div><div class=\"ps983 ss1310\"><span class=\"f charStyle-a26246ce ps12700\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2482 ss1889\"><div><div class=\"ps4014 ss236\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3588 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-b7f6e8e5 ps7\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3593 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-b7f6e8e5 ps7\">Cost<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3323 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning of\u00a0the\u00a0year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15503 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.9pt\"></span></span><span class=\"ps14763\">25\u00a0405<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15504 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15505 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.9pt\"></span></span><span class=\"ps14763\">25\u00a0405<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15506 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.35pt\"></span></span><span class=\"ps8384\">4\u00a0337<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15507 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.35pt\"></span></span><span class=\"ps11438\">4\u00a0337<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15508 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.06pt\"></span></span><span class=\"ps11800\">29\u00a0742<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps450 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-2b0f4fe0 ps7\">Exchange adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15509 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.39pt\"></span></span><span class=\"ps15372\">760<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15510 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15511 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.39pt\"></span></span><span class=\"ps15372\">760<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15512 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.5pt\"></span></span><span class=\"ps15344\">39<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15514 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.5pt\"></span></span><span class=\"ps15513\">39<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15516 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.42pt\"></span></span><span class=\"ps15515\">799<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3607 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-2b0f4fe0 ps7\">Additions<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15518 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.3pt\"></span></span><span class=\"ps15517\">1\u00a0707<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15520 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.93pt\"></span></span><span class=\"ps15519\">7\u00a0037<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15521 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.5pt\"></span></span><span class=\"ps11308\">8\u00a0744<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15522 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15523 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15524 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.5pt\"></span></span><span class=\"ps11336\">8\u00a0744<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3612 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-2b0f4fe0 ps7\">Write off<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15525 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.98pt\"></span></span><span class=\"ps11448\">(3\u00a0150)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15526 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15527 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.98pt\"></span></span><span class=\"ps11448\">(3\u00a0150)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15529 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.45pt\"></span></span><span class=\"ps15528\">(960)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15530 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.45pt\"></span></span><span class=\"ps12415\">(960)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15531 ss1856\" style=\"overflow:hidden\"><div><div class=\"ps815 ss447\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"></span><span class=\"ps7\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15532 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.12pt\"></span></span><span class=\"ps11917\">(4\u00a0110)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps3617 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-b7f6e8e5 ps7\">At the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15533 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.88pt\"></span></span><span class=\"ps12175\">24\u00a0722<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15534 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.56pt\"></span></span><span class=\"ps13771\">7\u00a0037<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15535 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.73pt\"></span></span><span class=\"ps11367\">31\u00a0759<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15536 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.94pt\"></span></span><span class=\"ps2453\">3\u00a0416<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15537 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.94pt\"></span></span><span class=\"ps13467\">3\u00a0416<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps15538 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.85pt\"></span></span><span class=\"ps12203\">35\u00a0175<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps4577 ss1548\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-b7f6e8e5 ps7\">Accumulated amortisation and <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss236\"><span class=\"f charStyle-b7f6e8e5 ps7\">impairments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15539 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning of\u00a0the\u00a0year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15540 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.07pt\"></span></span><span class=\"ps12973\">(20\u00a0663)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15541 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15542 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.07pt\"></span></span><span class=\"ps12973\">(20\u00a0663)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15543 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.76pt\"></span></span><span class=\"ps11785\">(4\u00a0337)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15544 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.76pt\"></span></span><span class=\"ps7142\">(4\u00a0337)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15545 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.26pt\"></span></span><span class=\"ps15062\">(25\u00a0000)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15546 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-2b0f4fe0 ps7\">Exchange adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15547 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.7pt\"></span></span><span class=\"ps15253\">(748)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15548 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15549 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.7pt\"></span></span><span class=\"ps15253\">(748)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15550 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.91pt\"></span></span><span class=\"ps13854\">(39)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15551 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.91pt\"></span></span><span class=\"ps13460\">(39)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15553 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.17pt\"></span></span><span class=\"ps15552\">(787)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15276 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-2b0f4fe0 ps7\">Amortisation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15278 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.86pt\"></span></span><span class=\"ps14701\">(1\u00a0040)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15279 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15281 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.86pt\"></span></span><span class=\"ps14701\">(1\u00a0040)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15282 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15283 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15285 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.86pt\"></span></span><span class=\"ps12087\">(1\u00a0040)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15286 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-2b0f4fe0 ps7\">Write off<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15289 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.57pt\"></span></span><span class=\"ps15554\">3\u00a0150<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15290 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15292 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.57pt\"></span></span><span class=\"ps15554\">3\u00a0150<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15294 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.04pt\"></span></span><span class=\"ps12163\">960<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15296 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.04pt\"></span></span><span class=\"ps15555\">960<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15298 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.71pt\"></span></span><span class=\"ps15556\">4\u00a0110<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15299 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-b7f6e8e5 ps7\">At the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15301 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.13pt\"></span></span><span class=\"ps13987\">(19\u00a0301)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15303 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.81pt\"></span></span><span class=\"ps14068\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15304 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.13pt\"></span></span><span class=\"ps13987\">(19\u00a0301)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15305 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.88pt\"></span></span><span class=\"ps12146\">(3\u00a0416)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15307 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.88pt\"></span></span><span class=\"ps15557\">(3\u00a0416)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps15309 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.49pt\"></span></span><span class=\"ps15558\">(22\u00a0717)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps4599 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net carrying value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15560 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.28pt\"></span></span><span class=\"ps15559\">5\u00a0421<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15561 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.56pt\"></span></span><span class=\"ps13771\">7\u00a0037<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15562 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.33pt\"></span></span><span class=\"ps14898\">12\u00a0458<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15563 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.81pt\"></span></span><span class=\"ps14068\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15565 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.81pt\"></span></span><span class=\"ps15564\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15566 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.33pt\"></span></span><span class=\"ps13293\">12\u00a0458<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps15567 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-b7f6e8e5 ps7\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15568 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-b7f6e8e5 ps7\">Cost<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15569 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning of\u00a0the\u00a0year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15570 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.15pt\"></span></span><span class=\"ps11768\">25\u00a0367<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15571 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15572 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.15pt\"></span></span><span class=\"ps11768\">25\u00a0367<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15573 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.37pt\"></span></span><span class=\"ps9782\">5\u00a0239<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15574 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.37pt\"></span></span><span class=\"ps13789\">5\u00a0239<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps13950 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.63pt\"></span></span><span class=\"ps12171\">30\u00a0606<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15575 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-2b0f4fe0 ps7\">Exchange adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15577 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.27pt\"></span></span><span class=\"ps15576\">(18)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15578 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15579 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.27pt\"></span></span><span class=\"ps15576\">(18)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15580 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">(19)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15581 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">(19)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps15582 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.26pt\"></span></span><span class=\"ps13710\">(37)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15583 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-2b0f4fe0 ps7\">Additions<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15584 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.83pt\"></span></span><span class=\"ps12180\">1\u00a0190<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15585 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15586 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.83pt\"></span></span><span class=\"ps12180\">1\u00a0190<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15587 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15588 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps15590 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.83pt\"></span></span><span class=\"ps15589\">1\u00a0190<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4718 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-2b0f4fe0 ps7\">Disposals<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15591 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.01pt\"></span></span><span class=\"ps9381\">(1\u00a0134)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15592 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15593 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.01pt\"></span></span><span class=\"ps9381\">(1\u00a0134)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15594 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.32pt\"></span></span><span class=\"ps9306\">(883)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15596 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.32pt\"></span></span><span class=\"ps15595\">(883)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps15597 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.36pt\"></span></span><span class=\"ps11864\">(2\u00a0017)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14156 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-b7f6e8e5 ps7\">At the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15599 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.96pt\"></span></span><span class=\"ps15598\">25\u00a0405<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15600 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.81pt\"></span></span><span class=\"ps14068\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15601 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.96pt\"></span></span><span class=\"ps15598\">25\u00a0405<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15603 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.16pt\"></span></span><span class=\"ps15602\">4\u00a0337<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15604 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.16pt\"></span></span><span class=\"ps1674\">4\u00a0337<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15606 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.65pt\"></span></span><span class=\"ps15605\">29\u00a0742<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps1227 ss1548\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-b7f6e8e5 ps7\">Accumulated amortisation and <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss236\"><span class=\"f charStyle-b7f6e8e5 ps7\">impairments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15080 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning of\u00a0the\u00a0year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15608 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.56pt\"></span></span><span class=\"ps15607\">(20\u00a0796)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15609 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15610 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.56pt\"></span></span><span class=\"ps15607\">(20\u00a0796)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15611 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.78pt\"></span></span><span class=\"ps11122\">(5\u00a0239)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15612 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.78pt\"></span></span><span class=\"ps15429\">(5\u00a0239)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps15614 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.18pt\"></span></span><span class=\"ps15613\">(26\u00a0035)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15615 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-2b0f4fe0 ps7\">Exchange adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15617 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.86pt\"></span></span><span class=\"ps15616\">18<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15618 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15619 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.86pt\"></span></span><span class=\"ps15616\">18<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15621 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.87pt\"></span></span><span class=\"ps15620\">19<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15623 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.87pt\"></span></span><span class=\"ps15622\">19<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps15625 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.85pt\"></span></span><span class=\"ps15624\">37<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8677 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-2b0f4fe0 ps7\">Disposals<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15627 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.6pt\"></span></span><span class=\"ps15626\">1\u00a0134<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15628 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15629 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.6pt\"></span></span><span class=\"ps15626\">1\u00a0134<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15630 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.91pt\"></span></span><span class=\"ps11871\">883<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15632 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.91pt\"></span></span><span class=\"ps15631\">883<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps15633 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.95pt\"></span></span><span class=\"ps11590\">2\u00a0017<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8678 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-2b0f4fe0 ps7\">Amortisation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15634 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.24pt\"></span></span><span class=\"ps9304\">(1\u00a0019)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15635 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15636 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.24pt\"></span></span><span class=\"ps9304\">(1\u00a0019)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15637 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.28pt\"></span></span><span class=\"ps15214\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15638 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.28pt\"></span></span><span class=\"ps11092\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps15640 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.24pt\"></span></span><span class=\"ps15639\">(1\u00a0019)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps8679 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-b7f6e8e5 ps7\">At the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15641 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.8pt\"></span></span><span class=\"ps10544\">(20\u00a0663)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15642 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.81pt\"></span></span><span class=\"ps14068\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15643 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.8pt\"></span></span><span class=\"ps10544\">(20\u00a0663)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15644 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.1pt\"></span></span><span class=\"ps12152\">(4\u00a0337)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15645 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.1pt\"></span></span><span class=\"ps13626\">(4\u00a0337)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15647 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.49pt\"></span></span><span class=\"ps15646\">(25\u00a0000)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps8685 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net carrying value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15648 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.24pt\"></span></span><span class=\"ps9267\">4\u00a0742<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15649 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.81pt\"></span></span><span class=\"ps14068\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15650 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.24pt\"></span></span><span class=\"ps9267\">4\u00a0742<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15651 ss1619\"><div><div class=\"ps815 ss1308\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.81pt\"></span></span><span class=\"ps14068\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15652 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.81pt\"></span></span><span class=\"ps15564\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15654 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.24pt\"></span></span><span class=\"ps15653\">4\u00a0742<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps15655 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Client relationships are acquired intangibles.</span></span></div><span class=\"ps23\">^ <span style=\"display:inline-block;height:5.81pt;width:9.82pt\"></span></span>Additions to internally generated software in the current year relates to projects not yet brought into use.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIntangibleAssetsExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-942": {
   "value": "<div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">31<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps13314\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps13316\">Acquisitions and disposals<span class=\"f ps2\"> </span></span></div>There were no significant acquisitions or disposals of subsidiaries in the current year.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBusinessCombinationsExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-943": {
   "value": "<div class=\"ps15660 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">32<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps14931\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps14932\">Other trading liabilities<span class=\"f ps2\"> </span></span></div><div class=\"ps15662 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-a26246ce ps7\">At 31 March <span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-8d4b9b37 ps9195\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss1651\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Short positions<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps824 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">\u2013 Equities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2818 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.41pt\"></span></span><span class=\"ps9239\">19\u00a0409<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2819 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.44pt\"></span></span><span class=\"ps9527\">16\u00a0242<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12261 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.27pt\"></span></span><span class=\"ps15661\">19\u00a0409<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12263 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.94pt\"></span></span><span class=\"ps13985\">16\u00a0242<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialLiabilitiesHeldForTradingExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-944": {
   "value": "<div class=\"ps15666 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">33<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15664\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15665\">Customer accounts (deposits)<span class=\"f ps2\"> </span></span></div><div class=\"ps15672 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-8d4b9b37 ps9195\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Demand<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12462 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.27pt\"></span></span><span class=\"ps15667\">6\u00a0819\u00a0208<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps12463 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.78pt\"></span></span><span class=\"ps12494\">6\u00a0697\u00a0915<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3425 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Transactional<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14747 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.37pt\"></span></span><span class=\"ps15183\">429\u00a0404<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14748 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.82pt\"></span></span><span class=\"ps9436\">437\u00a0022<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps6433 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fixed<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14749 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.69pt\"></span></span><span class=\"ps10372\">7\u00a0773\u00a0330<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14751 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.13pt\"></span></span><span class=\"ps14685\">6\u00a0745\u00a0977<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14752 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Notice<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14753 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.5pt\"></span></span><span class=\"ps15668\">7\u00a0445\u00a0801<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14754 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.89pt\"></span></span><span class=\"ps15669\">7\u00a0574\u00a0941<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14757 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:4.94pt\"></span></span><span class=\"ps15670\">22\u00a0467\u00a0743<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14759 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.61pt\"></span></span><span class=\"ps15671\">21\u00a0455\u00a0855<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepositsFromCustomersExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-946": {
   "value": "<div class=\"ps15697 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:14.77pt\">35<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15695\" style=\"width:5.86pt\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15696\" style=\"width:83.46pt\">Other liabilities<span class=\"f ps2\"> </span></span></div><div class=\"ps15711 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps9195\">2025</span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss1651\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Financial liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"><div class=\"ps824 ss1651\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Settlement liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2818 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.08pt\"></span></span><span class=\"ps14158\">734\u00a0274<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2819 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.2pt\"></span></span><span class=\"ps9596\">279\u00a0613<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps9204 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other creditors and accruals<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9206 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.94pt\"></span></span><span class=\"ps13612\">102\u00a0988<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps9208 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.45pt\"></span></span><span class=\"ps15698\">142\u00a0761<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps335 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other non-interest bearing liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15699 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.4pt\"></span></span><span class=\"ps14693\">115\u00a0085<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15700 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.22pt\"></span></span><span class=\"ps9323\">116\u00a0266<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps114 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Expected credit losses on undrawn commitments and guarantees<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15701 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.41pt\"></span></span><span class=\"ps9239\">10\u00a0499<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15702 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.6pt\"></span></span><span class=\"ps15465\">9\u00a0977<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps2830 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.48pt\"></span></span><span class=\"ps14745\">962\u00a0846<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps2831 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.14pt\"></span></span><span class=\"ps11498\">548\u00a0617<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps3327 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Scoped out of IFRS 9<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps3477 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-9458d4de ps7\">Other creditors and accruals</span><span class=\"f charStyle-70e7a25b ps15703\"><span class=\"f ps2\"> </span><sup>*</sup></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9678 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.03pt\"></span></span><span class=\"ps12366\">185\u00a0020<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps8597 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.29pt\"></span></span><span class=\"ps15101\">185\u00a0873<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps9375 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Lease liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14762 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.02pt\"></span></span><span class=\"ps15704\">117\u00a0811<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14764 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.34pt\"></span></span><span class=\"ps9496\">196\u00a0979<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps13758 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other non-interest bearing liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15705 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.44pt\"></span></span><span class=\"ps9527\">12\u00a0642<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11907 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.36pt\"></span></span><span class=\"ps13958\">7\u00a0252<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps4294 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Indirect taxation liabilities payable<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14835 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.53pt\"></span></span><span class=\"ps15706\">358<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14836 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.42pt\"></span></span><span class=\"ps13376\">238<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps9471 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.08pt\"></span></span><span class=\"ps14158\">315\u00a0831<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps2526 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.29pt\"></span></span><span class=\"ps10290\">390\u00a0342<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15708 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.68pt\"></span></span><span class=\"ps15707\">1\u00a0278\u00a0677<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15710 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.51pt\"></span></span><span class=\"ps15709\">938\u00a0959<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps15717 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Included in Other creditors and accruals is a provision relating to motor vehicle financing</span></span><span class=\"f charStyle-207fba8f ps15712\">. Refer to <span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps15713\">note<span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps15714\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps15715\">44</span><span class=\"f charStyle-207fba8f ps15716\"> for more details.<span class=\"f ps2\"> </span></span></div><div class=\"ps979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">The maturity analysis of the lease liabilities is shown below:</span></div><div class=\"ps15762 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:257.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:57.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps15721 ss1620\"><div><div class=\"ps809 ss1514\"><span class=\"f charStyle-a26246ce ps12363\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps14632 ss1673\"><div><div class=\"ps809 ss1356\"><span class=\"f charStyle-8d4b9b37 ps12001\">2025<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps816 ss1892\"><div><div class=\"ps809 ss1891\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15723 ss1623\"><div><div class=\"ps11112 ss296\"><span class=\"f charStyle-a26246ce ps14226\">Undiscounted <span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss296\"><span class=\"f charStyle-a26246ce ps15722\">lease payments<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15724 ss1650\"><div><div class=\"ps11114 ss114\"><span class=\"f charStyle-a26246ce ps5463\">Present value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11449 ss1894\"><div><div class=\"ps11112 ss1893\"><span class=\"f charStyle-8d4b9b37 ps9281\">Undiscounted <span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss1893\"><span class=\"f charStyle-8d4b9b37 ps15725\">lease payments<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13329 ss1895\"><div><div class=\"ps11114 ss818\"><span class=\"f charStyle-8d4b9b37 ps15726\">Present value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps817 ss1892\"><div><div class=\"ps809 ss1891\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps824 ss1896\"><div><div class=\"ps2754 ss1891\"><span class=\"f charStyle-b7f6e8e5 ps7\">Lease liabilities included in other liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps1202 ss1896\"><div><div class=\"ps2754 ss1891\"><span class=\"f charStyle-2b0f4fe0 ps7\">Lease liabilities payable in:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps3458 ss1896\"><div><div class=\"ps2754 ss1891\"><span class=\"f charStyle-2b0f4fe0 ps7\">Less than one year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15727 ss810\"><div><div class=\"ps2754 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.66pt\"></span></span><span class=\"ps11919\">14\u00a0559<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15728 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25pt\"></span></span><span class=\"ps12421\">13\u00a0971<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15730 ss1897\"><div><div class=\"ps2754 ss1893\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.04pt\"></span></span><span class=\"ps15729\">161\u00a0097<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15731 ss1898\"><div><div class=\"ps2754 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.95pt\"></span></span><span class=\"ps14437\">156\u00a0024<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps14755 ss1896\"><div><div class=\"ps2754 ss1891\"><span class=\"f charStyle-2b0f4fe0 ps7\">One to two years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15732 ss810\"><div><div class=\"ps2754 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.25pt\"></span></span><span class=\"ps9585\">17\u00a0278<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15733 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.02pt\"></span></span><span class=\"ps10101\">16\u00a0174<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15734 ss1897\"><div><div class=\"ps2754 ss1893\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.17pt\"></span></span><span class=\"ps12093\">14\u00a0921<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15735 ss1898\"><div><div class=\"ps2754 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.64pt\"></span></span><span class=\"ps14435\">14\u00a0210<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps11674 ss1896\"><div><div class=\"ps2754 ss1891\"><span class=\"f charStyle-2b0f4fe0 ps7\">Two to three years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15736 ss810\"><div><div class=\"ps2754 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.48pt\"></span></span><span class=\"ps831\">10\u00a0808<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15738 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.83pt\"></span></span><span class=\"ps15737\">9\u00a0800<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14597 ss1897\"><div><div class=\"ps2754 ss1893\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.14pt\"></span></span><span class=\"ps14804\">14\u00a0837<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15739 ss1898\"><div><div class=\"ps2754 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.73pt\"></span></span><span class=\"ps10169\">13\u00a0780<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps2506 ss1896\"><div><div class=\"ps2754 ss1891\"><span class=\"f charStyle-2b0f4fe0 ps7\">Three to four years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15740 ss810\"><div><div class=\"ps2754 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.87pt\"></span></span><span class=\"ps11256\">9\u00a0888<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15742 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28pt\"></span></span><span class=\"ps15741\">8\u00a0641<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15744 ss1897\"><div><div class=\"ps2754 ss1893\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.46pt\"></span></span><span class=\"ps15743\">8\u00a0337<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15746 ss1898\"><div><div class=\"ps2754 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.13pt\"></span></span><span class=\"ps15745\">7\u00a0426<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps9447 ss1896\"><div><div class=\"ps2754 ss1891\"><span class=\"f charStyle-2b0f4fe0 ps7\">Four to five years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15747 ss810\"><div><div class=\"ps2754 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.65pt\"></span></span><span class=\"ps14712\">13\u00a0647<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15748 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.1pt\"></span></span><span class=\"ps10333\">11\u00a0015<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15749 ss1897\"><div><div class=\"ps2754 ss1893\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.62pt\"></span></span><span class=\"ps11290\">2\u00a0478<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15750 ss1898\"><div><div class=\"ps2754 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.86pt\"></span></span><span class=\"ps12087\">2\u00a0358<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps15260 ss1896\"><div><div class=\"ps2754 ss1891\"><span class=\"f charStyle-2b0f4fe0 ps7\">Later than five years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15751 ss810\"><div><div class=\"ps2754 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.55pt\"></span></span><span class=\"ps11914\">86\u00a0691<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15752 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.63pt\"></span></span><span class=\"ps13422\">58\u00a0210<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15753 ss1897\"><div><div class=\"ps2754 ss1893\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.24pt\"></span></span><span class=\"ps433\">3\u00a0688<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15755 ss1898\"><div><div class=\"ps2754 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.21pt\"></span></span><span class=\"ps15754\">3\u00a0181<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15756 ss810\"><div><div class=\"ps2754 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.78pt\"></span></span><span class=\"ps14345\">152\u00a0871<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15758 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.99pt\"></span></span><span class=\"ps15757\">117\u00a0811<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15759 ss1897\"><div><div class=\"ps2754 ss1893\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.15pt\"></span></span><span class=\"ps11358\">205\u00a0358<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15761 ss1898\"><div><div class=\"ps2754 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.15pt\"></span></span><span class=\"ps15760\">196\u00a0979<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps15763 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">Reconciliation from opening balance to closing balance<span class=\"f ps2\"> </span></span></div><div class=\"ps15777 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:424.5pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss1899\"><div><div class=\"ps11991 ss1862\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3419 ss1864\"><div><div class=\"ps4014 ss1862\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12.75pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps471 ss1900\"><div><div class=\"ps9695 ss1862\" style=\"font-size:12pt\"><span class=\"f charStyle-13225c7c ps7\">Balance as at 1 April </span><span class=\"f charStyle-13225c7c ps13501\">2024<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps2481 ss1578\"><div><div class=\"ps9695 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.89pt\"></span></span><span class=\"ps10024\">243\u00a0951<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps3425 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interest on lease liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14748 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.21pt\"></span></span><span class=\"ps8424\">9\u00a0708<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps3428 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">New leases<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15764 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.64pt\"></span></span><span class=\"ps12571\">805<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps2492 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">Repayment of lease liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps2496 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.46pt\"></span></span><span class=\"ps9478\">(53\u00a0484)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps8036 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Capital repayment<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9434 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.18pt\"></span></span><span class=\"ps9489\">(43\u00a0776)</span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps3527 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Interest repayment<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps15765 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.62pt\"></span></span><span class=\"ps11778\">(9\u00a0708)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps1018 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">Remeasurement of lease liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps15766 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.86pt\"></span></span><span class=\"ps11881\">(294)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps1353 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">Exchange adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15767 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.84pt\"></span></span><span class=\"ps3221\">(3\u00a0707)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13055 ss1899\"><div><div class=\"ps2754 ss1862\" style=\"font-size:12pt\"><span class=\"f charStyle-13225c7c ps7\">Balance as at </span><span class=\"f charStyle-13225c7c ps13590\">31 March 2025</span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15769 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.15pt\"></span></span><span class=\"ps15768\">196\u00a0979<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps4577 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interest on lease liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15770 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.09pt\"></span></span><span class=\"ps12279\">8\u00a0153<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps1027 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">New leases<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14968 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">22\u00a0407<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps9245 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">Disposals<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9249 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.39pt\"></span></span><span class=\"ps11549\">(1\u00a0983)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps12754 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deconsolidation of subsidiaries<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15772 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40pt\"></span></span><span class=\"ps15771\">(4)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps15276 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">Repayment of lease liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15774 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.56pt\"></span></span><span class=\"ps15773\">(151\u00a0380)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps879 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Capital repayment<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14994 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.49pt\"></span></span><span class=\"ps9705\">(143\u00a0227)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps4596 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Interest repayment<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps15775 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.5pt\"></span></span><span class=\"ps11336\">(8\u00a0153)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps12190 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">Remeasurement of lease liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12193 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.42pt\"></span></span><span class=\"ps9257\">49\u00a0723<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps2392 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">Exchange adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15776 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.15pt\"></span></span><span class=\"ps11768\">(6\u00a0084)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2546 ss1899\"><div><div class=\"ps2754 ss1862\" style=\"font-size:12pt\"><span class=\"f charStyle-13225c7c ps7\">Balance as at </span><span class=\"f charStyle-13225c7c ps13590\">31 March 2026</span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2550 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.99pt\"></span></span><span class=\"ps15757\">117\u00a0811<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div>Renewal options are taken into account when determining the term of the lease.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-945": {
   "value": "<div class=\"ps15697 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:14.77pt\">35<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15695\" style=\"width:5.86pt\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15696\" style=\"width:83.46pt\">Other liabilities<span class=\"f ps2\"> </span></span></div><div class=\"ps15711 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps9195\">2025</span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss1651\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Financial liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"><div class=\"ps824 ss1651\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Settlement liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2818 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.08pt\"></span></span><span class=\"ps14158\">734\u00a0274<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2819 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.2pt\"></span></span><span class=\"ps9596\">279\u00a0613<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps9204 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other creditors and accruals<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9206 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.94pt\"></span></span><span class=\"ps13612\">102\u00a0988<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps9208 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.45pt\"></span></span><span class=\"ps15698\">142\u00a0761<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps335 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other non-interest bearing liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15699 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.4pt\"></span></span><span class=\"ps14693\">115\u00a0085<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15700 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.22pt\"></span></span><span class=\"ps9323\">116\u00a0266<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps114 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Expected credit losses on undrawn commitments and guarantees<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15701 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.41pt\"></span></span><span class=\"ps9239\">10\u00a0499<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15702 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.6pt\"></span></span><span class=\"ps15465\">9\u00a0977<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps2830 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.48pt\"></span></span><span class=\"ps14745\">962\u00a0846<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps2831 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.14pt\"></span></span><span class=\"ps11498\">548\u00a0617<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps3327 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Scoped out of IFRS 9<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps3477 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-9458d4de ps7\">Other creditors and accruals</span><span class=\"f charStyle-70e7a25b ps15703\"><span class=\"f ps2\"> </span><sup>*</sup></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9678 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.03pt\"></span></span><span class=\"ps12366\">185\u00a0020<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps8597 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.29pt\"></span></span><span class=\"ps15101\">185\u00a0873<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps9375 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Lease liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14762 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.02pt\"></span></span><span class=\"ps15704\">117\u00a0811<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14764 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.34pt\"></span></span><span class=\"ps9496\">196\u00a0979<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps13758 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other non-interest bearing liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15705 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.44pt\"></span></span><span class=\"ps9527\">12\u00a0642<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11907 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.36pt\"></span></span><span class=\"ps13958\">7\u00a0252<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps4294 ss1665\"><div><div class=\"ps2754 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Indirect taxation liabilities payable<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14835 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.53pt\"></span></span><span class=\"ps15706\">358<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14836 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.42pt\"></span></span><span class=\"ps13376\">238<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps9471 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.08pt\"></span></span><span class=\"ps14158\">315\u00a0831<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps2526 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.29pt\"></span></span><span class=\"ps10290\">390\u00a0342<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15708 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.68pt\"></span></span><span class=\"ps15707\">1\u00a0278\u00a0677<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15710 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.51pt\"></span></span><span class=\"ps15709\">938\u00a0959<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps15717 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Included in Other creditors and accruals is a provision relating to motor vehicle financing</span></span><span class=\"f charStyle-207fba8f ps15712\">. Refer to <span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps15713\">note<span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps15714\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps15715\">44</span><span class=\"f charStyle-207fba8f ps15716\"> for more details.<span class=\"f ps2\"> </span></span></div><div class=\"ps979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">The maturity analysis of the lease liabilities is shown below:</span></div><div class=\"ps15762 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:257.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:57.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps15721 ss1620\"><div><div class=\"ps809 ss1514\"><span class=\"f charStyle-a26246ce ps12363\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps14632 ss1673\"><div><div class=\"ps809 ss1356\"><span class=\"f charStyle-8d4b9b37 ps12001\">2025<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps816 ss1892\"><div><div class=\"ps809 ss1891\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15723 ss1623\"><div><div class=\"ps11112 ss296\"><span class=\"f charStyle-a26246ce ps14226\">Undiscounted <span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss296\"><span class=\"f charStyle-a26246ce ps15722\">lease payments<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15724 ss1650\"><div><div class=\"ps11114 ss114\"><span class=\"f charStyle-a26246ce ps5463\">Present value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps11449 ss1894\"><div><div class=\"ps11112 ss1893\"><span class=\"f charStyle-8d4b9b37 ps9281\">Undiscounted <span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss1893\"><span class=\"f charStyle-8d4b9b37 ps15725\">lease payments<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13329 ss1895\"><div><div class=\"ps11114 ss818\"><span class=\"f charStyle-8d4b9b37 ps15726\">Present value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps817 ss1892\"><div><div class=\"ps809 ss1891\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps824 ss1896\"><div><div class=\"ps2754 ss1891\"><span class=\"f charStyle-b7f6e8e5 ps7\">Lease liabilities included in other liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps1202 ss1896\"><div><div class=\"ps2754 ss1891\"><span class=\"f charStyle-2b0f4fe0 ps7\">Lease liabilities payable in:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps3458 ss1896\"><div><div class=\"ps2754 ss1891\"><span class=\"f charStyle-2b0f4fe0 ps7\">Less than one year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15727 ss810\"><div><div class=\"ps2754 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.66pt\"></span></span><span class=\"ps11919\">14\u00a0559<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15728 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25pt\"></span></span><span class=\"ps12421\">13\u00a0971<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15730 ss1897\"><div><div class=\"ps2754 ss1893\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.04pt\"></span></span><span class=\"ps15729\">161\u00a0097<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15731 ss1898\"><div><div class=\"ps2754 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.95pt\"></span></span><span class=\"ps14437\">156\u00a0024<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps14755 ss1896\"><div><div class=\"ps2754 ss1891\"><span class=\"f charStyle-2b0f4fe0 ps7\">One to two years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15732 ss810\"><div><div class=\"ps2754 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.25pt\"></span></span><span class=\"ps9585\">17\u00a0278<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15733 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.02pt\"></span></span><span class=\"ps10101\">16\u00a0174<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15734 ss1897\"><div><div class=\"ps2754 ss1893\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.17pt\"></span></span><span class=\"ps12093\">14\u00a0921<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15735 ss1898\"><div><div class=\"ps2754 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.64pt\"></span></span><span class=\"ps14435\">14\u00a0210<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps11674 ss1896\"><div><div class=\"ps2754 ss1891\"><span class=\"f charStyle-2b0f4fe0 ps7\">Two to three years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15736 ss810\"><div><div class=\"ps2754 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.48pt\"></span></span><span class=\"ps831\">10\u00a0808<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15738 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.83pt\"></span></span><span class=\"ps15737\">9\u00a0800<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14597 ss1897\"><div><div class=\"ps2754 ss1893\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.14pt\"></span></span><span class=\"ps14804\">14\u00a0837<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15739 ss1898\"><div><div class=\"ps2754 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.73pt\"></span></span><span class=\"ps10169\">13\u00a0780<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps2506 ss1896\"><div><div class=\"ps2754 ss1891\"><span class=\"f charStyle-2b0f4fe0 ps7\">Three to four years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15740 ss810\"><div><div class=\"ps2754 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.87pt\"></span></span><span class=\"ps11256\">9\u00a0888<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15742 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28pt\"></span></span><span class=\"ps15741\">8\u00a0641<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15744 ss1897\"><div><div class=\"ps2754 ss1893\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.46pt\"></span></span><span class=\"ps15743\">8\u00a0337<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15746 ss1898\"><div><div class=\"ps2754 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.13pt\"></span></span><span class=\"ps15745\">7\u00a0426<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps9447 ss1896\"><div><div class=\"ps2754 ss1891\"><span class=\"f charStyle-2b0f4fe0 ps7\">Four to five years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15747 ss810\"><div><div class=\"ps2754 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.65pt\"></span></span><span class=\"ps14712\">13\u00a0647<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15748 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.1pt\"></span></span><span class=\"ps10333\">11\u00a0015<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15749 ss1897\"><div><div class=\"ps2754 ss1893\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.62pt\"></span></span><span class=\"ps11290\">2\u00a0478<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15750 ss1898\"><div><div class=\"ps2754 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.86pt\"></span></span><span class=\"ps12087\">2\u00a0358<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps15260 ss1896\"><div><div class=\"ps2754 ss1891\"><span class=\"f charStyle-2b0f4fe0 ps7\">Later than five years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15751 ss810\"><div><div class=\"ps2754 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.55pt\"></span></span><span class=\"ps11914\">86\u00a0691<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15752 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.63pt\"></span></span><span class=\"ps13422\">58\u00a0210<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15753 ss1897\"><div><div class=\"ps2754 ss1893\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.24pt\"></span></span><span class=\"ps433\">3\u00a0688<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15755 ss1898\"><div><div class=\"ps2754 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.21pt\"></span></span><span class=\"ps15754\">3\u00a0181<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15756 ss810\"><div><div class=\"ps2754 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.78pt\"></span></span><span class=\"ps14345\">152\u00a0871<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15758 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.99pt\"></span></span><span class=\"ps15757\">117\u00a0811<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15759 ss1897\"><div><div class=\"ps2754 ss1893\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.15pt\"></span></span><span class=\"ps11358\">205\u00a0358<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15761 ss1898\"><div><div class=\"ps2754 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.15pt\"></span></span><span class=\"ps15760\">196\u00a0979<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps15763 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">Reconciliation from opening balance to closing balance<span class=\"f ps2\"> </span></span></div><div class=\"ps15777 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:424.5pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss1899\"><div><div class=\"ps11991 ss1862\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3419 ss1864\"><div><div class=\"ps4014 ss1862\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12.75pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps471 ss1900\"><div><div class=\"ps9695 ss1862\" style=\"font-size:12pt\"><span class=\"f charStyle-13225c7c ps7\">Balance as at 1 April </span><span class=\"f charStyle-13225c7c ps13501\">2024<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps2481 ss1578\"><div><div class=\"ps9695 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.89pt\"></span></span><span class=\"ps10024\">243\u00a0951<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps3425 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interest on lease liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14748 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.21pt\"></span></span><span class=\"ps8424\">9\u00a0708<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps3428 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">New leases<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15764 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.64pt\"></span></span><span class=\"ps12571\">805<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps2492 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">Repayment of lease liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps2496 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.46pt\"></span></span><span class=\"ps9478\">(53\u00a0484)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps8036 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Capital repayment<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9434 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.18pt\"></span></span><span class=\"ps9489\">(43\u00a0776)</span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps3527 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Interest repayment<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps15765 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.62pt\"></span></span><span class=\"ps11778\">(9\u00a0708)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps1018 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">Remeasurement of lease liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps15766 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.86pt\"></span></span><span class=\"ps11881\">(294)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps1353 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">Exchange adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15767 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.84pt\"></span></span><span class=\"ps3221\">(3\u00a0707)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13055 ss1899\"><div><div class=\"ps2754 ss1862\" style=\"font-size:12pt\"><span class=\"f charStyle-13225c7c ps7\">Balance as at </span><span class=\"f charStyle-13225c7c ps13590\">31 March 2025</span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15769 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.15pt\"></span></span><span class=\"ps15768\">196\u00a0979<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps4577 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interest on lease liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15770 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.09pt\"></span></span><span class=\"ps12279\">8\u00a0153<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps1027 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">New leases<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14968 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">22\u00a0407<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps9245 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">Disposals<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps9249 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.39pt\"></span></span><span class=\"ps11549\">(1\u00a0983)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps12754 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deconsolidation of subsidiaries<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15772 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40pt\"></span></span><span class=\"ps15771\">(4)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps15276 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">Repayment of lease liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15774 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.56pt\"></span></span><span class=\"ps15773\">(151\u00a0380)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps879 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Capital repayment<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14994 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.49pt\"></span></span><span class=\"ps9705\">(143\u00a0227)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps4596 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Interest repayment<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps15775 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.5pt\"></span></span><span class=\"ps11336\">(8\u00a0153)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps12190 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">Remeasurement of lease liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12193 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.42pt\"></span></span><span class=\"ps9257\">49\u00a0723<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps2392 ss1899\"><div><div class=\"ps2754 ss1862\"><span class=\"f charStyle-2b0f4fe0 ps7\">Exchange adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15776 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.15pt\"></span></span><span class=\"ps11768\">(6\u00a0084)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2546 ss1899\"><div><div class=\"ps2754 ss1862\" style=\"font-size:12pt\"><span class=\"f charStyle-13225c7c ps7\">Balance as at </span><span class=\"f charStyle-13225c7c ps13590\">31 March 2026</span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2550 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.99pt\"></span></span><span class=\"ps15757\">117\u00a0811<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div>Renewal options are taken into account when determining the term of the lease.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAccruedExpensesAndOtherLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-947": {
   "value": "<div class=\"ps24 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:14.95pt\">36<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15781\" style=\"width:5.86pt\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15782\" style=\"width:127.1pt\">Subordinated liabilities<span class=\"f ps2\"> </span></span></div><div class=\"ps11275 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-8d4b9b37 ps9195\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Issued by Investec plc<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3425 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Subordinated fixed rate reset callable medium-term notes<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14747 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.97pt\"></span></span><span class=\"ps9560\">697\u00a0632<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14748 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.97pt\"></span></span><span class=\"ps9562\">682\u00a0218<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14749 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.11pt\"></span></span><span class=\"ps15783\">697\u00a0632<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14751 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.12pt\"></span></span><span class=\"ps15784\">682\u00a0218<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14752 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Remaining maturities:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14755 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">In one year or less, or on demand<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14757 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14759 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4015 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">In more than one year, but not more than two years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14760 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14761 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps338 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">In more than two years, but not more than five years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15785 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15786 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4656 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">In more than five years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11824 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.97pt\"></span></span><span class=\"ps9560\">697\u00a0632<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11825 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.97pt\"></span></span><span class=\"ps9562\">682\u00a0218<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14762 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.11pt\"></span></span><span class=\"ps15783\">697\u00a0632<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14764 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.12pt\"></span></span><span class=\"ps15784\">682\u00a0218<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4478 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Reconciliation from opening balance to closing balance<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps328 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">At the beginning of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14767 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.12pt\"></span></span><span class=\"ps15784\">682\u00a0218<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14768 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.45pt\"></span></span><span class=\"ps15787\">668\u00a0810<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15044 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">New issue<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14769 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.35pt\"></span></span><span class=\"ps9221\">298\u00a0343<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14770 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15048 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Redemption<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15788 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.21pt\"></span></span><span class=\"ps9701\">(290\u00a0850)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15789 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4485 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Accrual of interest<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15790 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.78pt\"></span></span><span class=\"ps11816\">42\u00a0718<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15792 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.9pt\"></span></span><span class=\"ps15791\">41\u00a0112<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1617 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Repayment of interest<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15794 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.73pt\"></span></span><span class=\"ps15793\">(42\u00a0952)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2540 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.19pt\"></span></span><span class=\"ps15795\">(41\u00a0125)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2541 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Hedge accounting/amortisation of discount<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15796 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.34pt\"></span></span><span class=\"ps15157\">8\u00a0155<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2545 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.53pt\"></span></span><span class=\"ps11234\">13\u00a0421<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2392 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">At the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15797 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.11pt\"></span></span><span class=\"ps15783\">697\u00a0632<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15776 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.12pt\"></span></span><span class=\"ps15784\">682\u00a0218<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps15798 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The only potential event of default in relation to the subordinated debt is the non-payment of principal or interest. The only remedy </span></div><div class=\"ps15799 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">available to the holders of the subordinated debt in the event of default is to petition for the winding up of the issuing entity, </span></div><div class=\"ps15800 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">subject to the discretion of the Prudential Authority. In a winding up no amount will be paid in respect of the subordinated debt until </span></div><div class=\"ps15801 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">all other creditors have been paid in full.</span></div><div class=\"ps15802 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Medium-term notes<span class=\"f ps2\"> </span></span></div><div class=\"ps15803 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Subordinated callable fixed rate resettable medium-term notes<span class=\"f ps2\"> </span></span></div><div class=\"ps15804 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">On 4 October 2021, Investec plc issued \u00a3350 000 000 of 2.625% subordinated notes due 2032 at a discount (2032 notes). </span></div><div class=\"ps15805 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Interest, after the initial short-period distribution paid on 4 January 2022, is paid annually commencing on 4 January 2023 and </span></div><div class=\"ps15806 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">ending on the maturity date. The notes are listed on the London Stock Exchange. On 2 February 2026, Investec plc bought back </span></div><div class=\"ps15807 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u00a3294 220 000 of these notes at a cash price of 98.85% by way of tender following the obtaining of PRA consent. The issuer may </span></div><div class=\"ps15808 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">redeem the remaining \u00a355 780 000 of notes at par on any date in the period from 4 October 2026 to (and including) 4 January </span></div><div class=\"ps15809 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">2027 subject to conditions. If the option to redeem is not exercised, the notes will be redeemed at par on their maturity date of 4 </span></div><div class=\"ps15810 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">January 2032.</span></div><div class=\"ps15811 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Subordinated callable fixed rate resettable medium-term notes</span></div><div class=\"ps15812 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">On 6 December 2022, Investec plc issued \u00a3350 000 000 of 9.125% subordinated notes due 2033 at a discount (2033 notes). </span></div><div class=\"ps15813 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Interest, after the initial short-period distribution paid on 6 March 2023, is paid annually commencing on 6 March 2024 and ending </span></div><div class=\"ps15814 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">on the maturity date. The notes are listed on the London Stock Exchange. The issuer may redeem the notes at par on any date in </span></div><div class=\"ps15815 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the period from 6 December 2027 to (and including) 6 March 2028 subject to conditions. If the option to redeem is not exercised, </span></div><div class=\"ps15816 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the notes will be redeemed at par on the maturity date of 6 March 2033.</span></div><div class=\"ps15817 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Subordinated callable fixed rate resettable medium-term notes</span></div><div class=\"ps15818 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">On 30 January 2026, Investec plc issued \u00a3300 000 000 of 5.625% subordinated notes due 2036 at a discount (2036 Notes). </span></div><div class=\"ps15819 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Interest, after the initial short-period distribution paid on 30 July 2026, is paid annually commencing on 30 July 2027 and ending on </span></div><div class=\"ps15820 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the maturity date. The notes are listed on the London Stock Exchange. The issuer may redeem the notes at par on any date in the </span></div><div class=\"ps15821 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">period from 30 April 2031 to (and including) 30 July 2031 subject to conditions. If the option to redeem is not exercised, the notes </span></div><div class=\"ps15822 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">will be redeemed at par on the maturity date of 30 July 2036.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSubordinatedLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-949": {
   "value": "<div class=\"ps24 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:14.2pt\">37<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15823\" style=\"width:3.31pt\">.<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15824\" style=\"width:2.55pt\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15825\" style=\"width:122.19pt\">Ordinary share capital<span class=\"f ps2\"> </span></span></div><div class=\"ps72 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:354.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss1901\"><div><div class=\"ps809 ss201\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15826 ss1775\"><div><div class=\"ps11070 ss286\"><span class=\"f charStyle-a26246ce ps11259\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15828 ss1775\"><div><div class=\"ps11070 ss286\"><span class=\"f charStyle-8d4b9b37 ps15827\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1902\"><div><div class=\"ps4014 ss201\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss1903\"><div><div class=\"ps997 ss201\"><span class=\"f charStyle-b7f6e8e5 ps7\">Issued, allotted and fully paid<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps824 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-b7f6e8e5 ps7\">Number of ordinary shares<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15829 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps14101\">Number<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15830 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps14101\">Number<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps830 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15832 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.88pt\"></span></span><span class=\"ps15831\">696\u00a0082\u00a0618<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps15833 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.88pt\"></span></span><span class=\"ps15831\">696\u00a0082\u00a0618<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Issued during the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15834 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:46.53pt\"></span></span><span class=\"ps13760\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15835 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:46.53pt\"></span></span><span class=\"ps13760\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps843 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-b7f6e8e5 ps7\">At the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps15837 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.85pt\"></span></span><span class=\"ps15836\">696\u00a0082\u00a0618<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15838 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.85pt\"></span></span><span class=\"ps15836\">696\u00a0082\u00a0618<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps849 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-b7f6e8e5 ps7\">Nominal value of ordinary shares<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15839 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps10059\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15840 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps10059\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps853 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15842 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.4pt\"></span></span><span class=\"ps15841\">138<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps15843 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.4pt\"></span></span><span class=\"ps15841\">138<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps858 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Issued during the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15844 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:46.53pt\"></span></span><span class=\"ps13760\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15845 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:46.53pt\"></span></span><span class=\"ps13760\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps863 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-b7f6e8e5 ps7\">At the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps15846 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40pt\"></span></span><span class=\"ps15771\">138<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15847 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40pt\"></span></span><span class=\"ps15771\">138<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps368 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-b7f6e8e5 ps7\">Number of special converting shares<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15848 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps14101\">Number<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15849 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps14101\">Number<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14559 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15851 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.11pt\"></span></span><span class=\"ps15850\">295\u00a0125\u00a0806<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps15852 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.11pt\"></span></span><span class=\"ps15850\">295\u00a0125\u00a0806<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps871 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Buyback during the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15853 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.41pt\"></span></span><span class=\"ps7434\">(4\u00a0660\u00a0807)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15854 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:46.53pt\"></span></span><span class=\"ps13760\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps872 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-b7f6e8e5 ps7\">At the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps15856 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.31pt\"></span></span><span class=\"ps15855\">290\u00a0464\u00a0999<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15857 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.32pt\"></span></span><span class=\"ps13256\">295\u00a0125\u00a0806<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps879 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-b7f6e8e5 ps7\">Nominal value of special converting shares<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15858 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps10059\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15859 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps10059\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps886 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15861 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:44.86pt\"></span></span><span class=\"ps15860\">60<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps15863 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:44.77pt\"></span></span><span class=\"ps15862\">64<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps893 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cancellations during the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15864 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:46.53pt\"></span></span><span class=\"ps13760\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15866 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:46.75pt\"></span></span><span class=\"ps15865\">(4)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps898 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-b7f6e8e5 ps7\">At the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps15868 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.45pt\"></span></span><span class=\"ps15867\">60<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15869 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.45pt\"></span></span><span class=\"ps15867\">60<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps905 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-b7f6e8e5 ps7\">Number of UK DAN shares<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15870 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps14101\">Number<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15871 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps14101\">Number<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps910 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning and end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15873 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.89pt\"></span></span><span class=\"ps15872\">1<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15874 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.89pt\"></span></span><span class=\"ps15872\">1<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps915 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-b7f6e8e5 ps7\">Nominal value of UK DAN share<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15875 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps10059\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15876 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps10059\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps920 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning and end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15877 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps2028\">*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15878 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps2028\">*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps925 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-b7f6e8e5 ps7\">Number of UK DAS shares<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps5446 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps14101\">Number<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15879 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps14101\">Number<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps930 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning and end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15880 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.89pt\"></span></span><span class=\"ps15872\">1<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15881 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.89pt\"></span></span><span class=\"ps15872\">1<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps934 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-b7f6e8e5 ps7\">Nominal value of UK DAS share<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15882 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps10059\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15883 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps10059\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15884 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning and end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15885 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps2028\">*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15886 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps2028\">*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps353 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-b7f6e8e5 ps7\">Number of special voting shares<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15887 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps14101\">Number<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15888 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps14101\">Number<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps938 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning and end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15889 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.89pt\"></span></span><span class=\"ps15872\">1<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15890 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.89pt\"></span></span><span class=\"ps15872\">1<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps943 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-b7f6e8e5 ps7\">Nominal value of special voting shares<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15891 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps10059\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15892 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps10059\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps9873 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning and end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15893 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps2028\">*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15894 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps2028\">*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps15895 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Less than \u00a31 000.</span></span></div><div class=\"ps15896 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In accordance with the Companies Act 2006 the Company does not have authorised share capital.<span class=\"f ps2\"> </span></span></div><span class=\"f charStyle-f6a3ab10 ps12470\" style=\"width:14.95pt\">38<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15903\" style=\"width:5.86pt\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15904\" style=\"width:157.71pt\">Perpetual preference shares<span class=\"f ps2\"> </span></span><div class=\"ps72 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps14732 ss651\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-8d4b9b37 ps9195\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps14733 ss651\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss652\"><div><div class=\"ps4184 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Perpetual preference share capital<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps12462 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.14pt\"></span></span><span class=\"ps4270\">29<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps12463 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0 ps15905\">29<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3425 ss652\"><div><div class=\"ps4184 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Perpetual preference share premium<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14747 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.67pt\"></span></span><span class=\"ps11144\">24\u00a0765<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14748 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0 ps2826\">24\u00a0765<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14749 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.79pt\"></span></span><span class=\"ps9659\">24\u00a0794<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14751 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.79pt\"></span></span><span class=\"ps9659\">24\u00a0794<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"><div class=\"ps14752 ss1651\"><div><div class=\"ps2158 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Issued by Investec plc<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps843 ss1696\"><div><div class=\"ps4184 ss651\" style=\"font-size:12pt\"><span class=\"f charStyle-9458d4de ps7\">2 754 587 (</span><span class=\"f charStyle-9458d4de ps15906\">2025<span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps15907\">: 2 754 587) non-redeemable, non-cumulative, non-participating preference shares of<span class=\"f ps2\"> </span></span></div><div class=\"ps14640 ss651\"><span class=\"f charStyle-9458d4de ps7\">\u00a30.01 each, issued at a premium of \u00a38.58 per share.<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11688 ss652\"><div><div class=\"ps4184 ss651\"><span class=\"f charStyle-9458d4de ps680\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps681\">Perpetual preference share capital<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15908 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.14pt\"></span></span><span class=\"ps4270\">29<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15909 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0 ps15905\">29<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15910 ss652\"><div><div class=\"ps4184 ss651\"><span class=\"f charStyle-9458d4de ps680\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps681\">Perpetual preference share premium<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15911 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.51pt\"></span></span><span class=\"ps9583\">23\u00a0607<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15912 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0 ps14777\">23\u00a0607<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:30pt\"><td style=\"padding:0\"><div class=\"ps863 ss1904\"><div><div class=\"ps4184 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Perpetual preference shareholders will receive an annual dividend if declared based on the coupon rate <span class=\"f ps2\"> </span></span></div><div class=\"ps14640 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">(being equivalent to the base rate plus 1%) multiplied by the deemed value on a daily basis and payable <span class=\"f ps2\"> </span></span></div><div class=\"ps15913 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">in two semi-annual instalments.</span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps13812 ss1696\"><div><div class=\"ps4184 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">An ordinary dividend will not be declared by Investec plc unless the perpetual preference dividend has <span class=\"f ps2\"> </span></span></div><div class=\"ps14640 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">been declared.<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:30pt\"><td style=\"padding:0\"><div class=\"ps15914 ss1904\"><div><div class=\"ps4184 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">If declared, perpetual preference dividends are payable semi-annually at least seven business days <span class=\"f ps2\"> </span></span></div><div class=\"ps14640 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">prior to the date on which Investec plc pays its ordinary dividends, if any, but shall be payable no later <span class=\"f ps2\"> </span></span></div><div class=\"ps15913 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">than 120 business days after 31 March and 30 September respectively.<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"><div class=\"ps13383 ss1651\"><div><div class=\"ps2158 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Issued by Investec plc \u2013 Rand-denominated<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps4338 ss1696\"><div><div class=\"ps4184 ss651\" style=\"font-size:12pt\"><span class=\"f charStyle-9458d4de ps7\">131 447 (</span><span class=\"f charStyle-9458d4de ps15915\">2025<span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps15916\">: 131 447) non-redeemable, non-cumulative, non-participating perpetual preference<span class=\"f ps2\"> </span></span></div><div class=\"ps14640 ss651\"><span class=\"f charStyle-9458d4de ps7\">shares of ZAR0.001 each, issued at an average premium of ZAR99.999 per share.<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15917 ss652\"><div><div class=\"ps4184 ss651\"><span class=\"f charStyle-9458d4de ps680\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps681\">Perpetual preference share capital<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15919 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0 ps15918\">*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15920 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0 ps15918\">*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9843 ss652\"><div><div class=\"ps4184 ss651\"><span class=\"f charStyle-9458d4de ps680\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps681\">Perpetual preference share premium<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15922 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0 ps15921\">1\u00a0158<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15923 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0 ps15921\">1\u00a0158<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:30pt\"><td style=\"padding:0\"><div class=\"ps2561 ss1904\"><div><div class=\"ps4184 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Rand-denominated perpetual preference shareholders will receive a dividend if declared, based on the <span class=\"f ps2\"> </span></span></div><div class=\"ps14640 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">coupon rate (being equivalent to South African prime rate multiplied by 95%), multiplied by the deemed <span class=\"f ps2\"> </span></span></div><div class=\"ps15913 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">value on a daily basis and payable in two semi-annual instalments.<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps1082 ss1696\"><div><div class=\"ps4184 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">An ordinary dividend will not be declared by Investec plc unless the Rand-denominated perpetual <span class=\"f ps2\"> </span></span></div><div class=\"ps14640 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">preference dividend has been declared.<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:30pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12304 ss1904\"><div><div class=\"ps4184 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">If declared, perpetual preference dividends are payable semi-annually at least seven business days <span class=\"f ps2\"> </span></span></div><div class=\"ps14640 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">prior to the date on which Investec plc pays its ordinary dividends, if any, but shall be payable no later <span class=\"f ps2\"> </span></span></div><div class=\"ps15913 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">than 120 business days after 31 March and 30 September respectively.<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps15924 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Less than \u00a31 000.</span></span></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">40<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15952\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15953\">Other reserves<span class=\"f ps2\"> </span></span></div><div class=\"ps5918 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Fair value reserve<span class=\"f ps2\"> </span></span></div><div class=\"ps5919 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">This comprises all fair value adjustments relating to investments in debt instruments and equity investments that are subsequently </span></div><div class=\"ps5920 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">measured at FVOCI. When the debt instrument is derecognised, the cumulative gain or loss is reclassified from equity to profit or <span class=\"f ps2\"> </span></span></div><div class=\"ps13827 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">loss. For investments in equity instruments the cumulative gain or loss is not recycled, but is reclassified to retained income within </span></div><div class=\"ps13828 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">equity on derecognition.<span class=\"f ps2\"> </span></span></div><div class=\"ps15954 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Cash flow hedge reserve<span class=\"f ps2\"> </span></span></div><div class=\"ps15955 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">This comprises the effective portion of the gain or loss on hedging instruments designated as cash flow hedges.</span></div><div class=\"ps15956 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Foreign currency reserve</span></div><div class=\"ps15957 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">This represents the cumulative foreign exchange differences that arise on the translation of an entity with a different functional <span class=\"f ps2\"> </span></span></div><div class=\"ps15960 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">currency than the presentation currency of the parent company a</span><span class=\"f charStyle-33e1c6d6 ps15958\">nd adjustments for designated hedges of net investments</span><span class=\"f charStyle-33e1c6d6 ps15959\">. The <span class=\"f ps2\"> </span></span></div><div class=\"ps15961 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">cumulative reserve relating to a subsidiary or associate company or joint venture that is disposed of is included in the determination </span></div><div class=\"ps15962 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of profit/loss on disposal of the subsidiary, associate company or joint venture.</span></div><span class=\"f charStyle-f6a3ab10 ps11584\">41<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15964\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15965\">Other Additional Tier 1 securities in issue<span class=\"f ps2\"> </span></span><div class=\"ps15968 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps14732 ss651\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-8d4b9b37 ps9195\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss1651\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fixed Rate Reset Perpetual Additional Tier 1 Write Down Capital Securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps12462 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.67pt\"></span></span><span class=\"ps15967\">350\u00a0000<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps12463 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.67pt\"></span></span><span class=\"ps15967\">350\u00a0000<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps15970 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">On 5 October 2017, Investec plc issued \u00a3250 million Fixed Rate Reset Perpetual Additional Tier 1 Write Down Capital Securities at <span class=\"f ps2\"> </span></span></div><div class=\"ps15971 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6\"><span class=\"ps23\">par. These securities were perpetual and paid a distribution rate on 5 March, June, September and December, commencing from <span style=\"display:inline-block;height:7.75pt;width:31.41pt\"></span></span></span></div><div class=\"ps15972 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">5 December 2017. The distribution was set at 6.75% per annum until December 2024. On 1 March 2024, the Company bought back </span></div><div class=\"ps15973 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6\"><span class=\"ps23\">\u00a3142 million of these securities and redeemed the remaining balance of \u00a3108 million on the first optional call date on <span style=\"display:inline-block;height:7.75pt;width:5.83pt\"></span></span><span class=\"ps12449\"><span style=\"display:inline-block;height:7.75pt;width:36pt\"></span></span><span class=\"ps12450\"><span style=\"display:inline-block;height:7.75pt;width:36pt\"></span></span></span></div><div class=\"ps15974 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">5 December 2024.</span></div><div class=\"ps15975 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">On 28 February 2024, Investec plc issued \u00a3350 million of Fixed Rate Reset Perpetual Additional Tier 1 Write Down Capital <span class=\"f ps2\"> </span></span></div><div class=\"ps15976 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Securities at par. These securities are perpetual and pay interest on a semi-annual basis on 28 February and 28 August each year, </span></div><div class=\"ps15977 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">commencing on 28 August 2024. At each interest payment date, Investec plc can decide whether to pay the coupon, which is non-</span></div><div class=\"ps15978 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">cumulative, in whole or in part. The interest rate is 10.50% per annum until 28 February 2030; thereafter it resets every subsequent <span class=\"f ps2\"> </span></span></div><div class=\"ps15979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">five years to a rate of 6.566% per annum plus the benchmark gilt rate. The securities will be automatically written down and the </span></div><div class=\"ps15980 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">investors will lose their entire investment in the securities should the CET1 capital ratio of the Investec plc Group, as defined in the <span class=\"f ps2\"> </span></span></div><div class=\"ps15981 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">PRA\u2019s rules, fall below 7%. The securities are redeemable at the option of the Company on any day falling in the period from (and </span></div><div class=\"ps15982 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">including) 28 August 2029 to (and including) 28 February 2030 or on any day falling in the period of six months prior to (and </span></div><div class=\"ps15983 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">including) any five-year reset date thereafter. No such redemption may be made without the consent of the PRA.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfShareCapitalReservesAndOtherEquityInterestExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-948": {
   "value": "<div class=\"ps24 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:14.2pt\">37<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15823\" style=\"width:3.31pt\">.<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15824\" style=\"width:2.55pt\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15825\" style=\"width:122.19pt\">Ordinary share capital<span class=\"f ps2\"> </span></span></div><div class=\"ps72 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:354.75pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss1901\"><div><div class=\"ps809 ss201\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15826 ss1775\"><div><div class=\"ps11070 ss286\"><span class=\"f charStyle-a26246ce ps11259\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15828 ss1775\"><div><div class=\"ps11070 ss286\"><span class=\"f charStyle-8d4b9b37 ps15827\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1902\"><div><div class=\"ps4014 ss201\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss1903\"><div><div class=\"ps997 ss201\"><span class=\"f charStyle-b7f6e8e5 ps7\">Issued, allotted and fully paid<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps824 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-b7f6e8e5 ps7\">Number of ordinary shares<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15829 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps14101\">Number<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15830 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps14101\">Number<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps830 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15832 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.88pt\"></span></span><span class=\"ps15831\">696\u00a0082\u00a0618<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps15833 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.88pt\"></span></span><span class=\"ps15831\">696\u00a0082\u00a0618<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Issued during the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15834 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:46.53pt\"></span></span><span class=\"ps13760\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15835 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:46.53pt\"></span></span><span class=\"ps13760\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps843 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-b7f6e8e5 ps7\">At the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps15837 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.85pt\"></span></span><span class=\"ps15836\">696\u00a0082\u00a0618<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15838 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.85pt\"></span></span><span class=\"ps15836\">696\u00a0082\u00a0618<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps849 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-b7f6e8e5 ps7\">Nominal value of ordinary shares<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15839 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps10059\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15840 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps10059\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps853 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15842 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.4pt\"></span></span><span class=\"ps15841\">138<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps15843 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.4pt\"></span></span><span class=\"ps15841\">138<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps858 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Issued during the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15844 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:46.53pt\"></span></span><span class=\"ps13760\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15845 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:46.53pt\"></span></span><span class=\"ps13760\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps863 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-b7f6e8e5 ps7\">At the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps15846 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40pt\"></span></span><span class=\"ps15771\">138<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15847 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40pt\"></span></span><span class=\"ps15771\">138<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps368 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-b7f6e8e5 ps7\">Number of special converting shares<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15848 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps14101\">Number<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15849 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps14101\">Number<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14559 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15851 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.11pt\"></span></span><span class=\"ps15850\">295\u00a0125\u00a0806<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps15852 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.11pt\"></span></span><span class=\"ps15850\">295\u00a0125\u00a0806<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps871 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Buyback during the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15853 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.41pt\"></span></span><span class=\"ps7434\">(4\u00a0660\u00a0807)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15854 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:46.53pt\"></span></span><span class=\"ps13760\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps872 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-b7f6e8e5 ps7\">At the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps15856 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.31pt\"></span></span><span class=\"ps15855\">290\u00a0464\u00a0999<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15857 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.32pt\"></span></span><span class=\"ps13256\">295\u00a0125\u00a0806<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps879 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-b7f6e8e5 ps7\">Nominal value of special converting shares<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15858 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps10059\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15859 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps10059\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps886 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15861 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:44.86pt\"></span></span><span class=\"ps15860\">60<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps15863 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:44.77pt\"></span></span><span class=\"ps15862\">64<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps893 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cancellations during the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15864 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:46.53pt\"></span></span><span class=\"ps13760\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15866 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:46.75pt\"></span></span><span class=\"ps15865\">(4)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps898 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-b7f6e8e5 ps7\">At the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps15868 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.45pt\"></span></span><span class=\"ps15867\">60<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15869 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.45pt\"></span></span><span class=\"ps15867\">60<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps905 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-b7f6e8e5 ps7\">Number of UK DAN shares<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15870 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps14101\">Number<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15871 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps14101\">Number<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps910 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning and end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15873 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.89pt\"></span></span><span class=\"ps15872\">1<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15874 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.89pt\"></span></span><span class=\"ps15872\">1<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps915 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-b7f6e8e5 ps7\">Nominal value of UK DAN share<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15875 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps10059\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15876 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps10059\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps920 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning and end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15877 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps2028\">*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15878 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps2028\">*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps925 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-b7f6e8e5 ps7\">Number of UK DAS shares<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps5446 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps14101\">Number<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15879 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps14101\">Number<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps930 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning and end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15880 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.89pt\"></span></span><span class=\"ps15872\">1<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15881 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.89pt\"></span></span><span class=\"ps15872\">1<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps934 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-b7f6e8e5 ps7\">Nominal value of UK DAS share<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15882 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps10059\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15883 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps10059\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15884 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning and end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15885 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps2028\">*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15886 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps2028\">*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps353 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-b7f6e8e5 ps7\">Number of special voting shares<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15887 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps14101\">Number<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15888 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps14101\">Number<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps938 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning and end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15889 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.89pt\"></span></span><span class=\"ps15872\">1<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15890 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.89pt\"></span></span><span class=\"ps15872\">1<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps943 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-b7f6e8e5 ps7\">Nominal value of special voting shares<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15891 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps10059\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15892 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps10059\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps9873 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning and end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15893 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps2028\">*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15894 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5 ps2028\">*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps15895 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Less than \u00a31 000.</span></span></div><div class=\"ps15896 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In accordance with the Companies Act 2006 the Company does not have authorised share capital.<span class=\"f ps2\"> </span></span></div><span class=\"f charStyle-f6a3ab10 ps12470\" style=\"width:14.95pt\">38<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15903\" style=\"width:5.86pt\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15904\" style=\"width:157.71pt\">Perpetual preference shares<span class=\"f ps2\"> </span></span><div class=\"ps72 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps14732 ss651\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-8d4b9b37 ps9195\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps14733 ss651\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss652\"><div><div class=\"ps4184 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Perpetual preference share capital<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps12462 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.14pt\"></span></span><span class=\"ps4270\">29<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps12463 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0 ps15905\">29<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3425 ss652\"><div><div class=\"ps4184 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Perpetual preference share premium<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14747 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.67pt\"></span></span><span class=\"ps11144\">24\u00a0765<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14748 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0 ps2826\">24\u00a0765<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14749 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.79pt\"></span></span><span class=\"ps9659\">24\u00a0794<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14751 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.79pt\"></span></span><span class=\"ps9659\">24\u00a0794<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"><div class=\"ps14752 ss1651\"><div><div class=\"ps2158 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Issued by Investec plc<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps843 ss1696\"><div><div class=\"ps4184 ss651\" style=\"font-size:12pt\"><span class=\"f charStyle-9458d4de ps7\">2 754 587 (</span><span class=\"f charStyle-9458d4de ps15906\">2025<span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps15907\">: 2 754 587) non-redeemable, non-cumulative, non-participating preference shares of<span class=\"f ps2\"> </span></span></div><div class=\"ps14640 ss651\"><span class=\"f charStyle-9458d4de ps7\">\u00a30.01 each, issued at a premium of \u00a38.58 per share.<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11688 ss652\"><div><div class=\"ps4184 ss651\"><span class=\"f charStyle-9458d4de ps680\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps681\">Perpetual preference share capital<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15908 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.14pt\"></span></span><span class=\"ps4270\">29<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15909 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0 ps15905\">29<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15910 ss652\"><div><div class=\"ps4184 ss651\"><span class=\"f charStyle-9458d4de ps680\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps681\">Perpetual preference share premium<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15911 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.51pt\"></span></span><span class=\"ps9583\">23\u00a0607<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15912 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0 ps14777\">23\u00a0607<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:30pt\"><td style=\"padding:0\"><div class=\"ps863 ss1904\"><div><div class=\"ps4184 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Perpetual preference shareholders will receive an annual dividend if declared based on the coupon rate <span class=\"f ps2\"> </span></span></div><div class=\"ps14640 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">(being equivalent to the base rate plus 1%) multiplied by the deemed value on a daily basis and payable <span class=\"f ps2\"> </span></span></div><div class=\"ps15913 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">in two semi-annual instalments.</span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps13812 ss1696\"><div><div class=\"ps4184 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">An ordinary dividend will not be declared by Investec plc unless the perpetual preference dividend has <span class=\"f ps2\"> </span></span></div><div class=\"ps14640 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">been declared.<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:30pt\"><td style=\"padding:0\"><div class=\"ps15914 ss1904\"><div><div class=\"ps4184 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">If declared, perpetual preference dividends are payable semi-annually at least seven business days <span class=\"f ps2\"> </span></span></div><div class=\"ps14640 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">prior to the date on which Investec plc pays its ordinary dividends, if any, but shall be payable no later <span class=\"f ps2\"> </span></span></div><div class=\"ps15913 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">than 120 business days after 31 March and 30 September respectively.<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"><div class=\"ps13383 ss1651\"><div><div class=\"ps2158 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Issued by Investec plc \u2013 Rand-denominated<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps4338 ss1696\"><div><div class=\"ps4184 ss651\" style=\"font-size:12pt\"><span class=\"f charStyle-9458d4de ps7\">131 447 (</span><span class=\"f charStyle-9458d4de ps15915\">2025<span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps15916\">: 131 447) non-redeemable, non-cumulative, non-participating perpetual preference<span class=\"f ps2\"> </span></span></div><div class=\"ps14640 ss651\"><span class=\"f charStyle-9458d4de ps7\">shares of ZAR0.001 each, issued at an average premium of ZAR99.999 per share.<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15917 ss652\"><div><div class=\"ps4184 ss651\"><span class=\"f charStyle-9458d4de ps680\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps681\">Perpetual preference share capital<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15919 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0 ps15918\">*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15920 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0 ps15918\">*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9843 ss652\"><div><div class=\"ps4184 ss651\"><span class=\"f charStyle-9458d4de ps680\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps681\">Perpetual preference share premium<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15922 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0 ps15921\">1\u00a0158<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15923 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0 ps15921\">1\u00a0158<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:30pt\"><td style=\"padding:0\"><div class=\"ps2561 ss1904\"><div><div class=\"ps4184 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Rand-denominated perpetual preference shareholders will receive a dividend if declared, based on the <span class=\"f ps2\"> </span></span></div><div class=\"ps14640 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">coupon rate (being equivalent to South African prime rate multiplied by 95%), multiplied by the deemed <span class=\"f ps2\"> </span></span></div><div class=\"ps15913 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">value on a daily basis and payable in two semi-annual instalments.<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps1082 ss1696\"><div><div class=\"ps4184 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">An ordinary dividend will not be declared by Investec plc unless the Rand-denominated perpetual <span class=\"f ps2\"> </span></span></div><div class=\"ps14640 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">preference dividend has been declared.<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:3pt\"><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:30pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12304 ss1904\"><div><div class=\"ps4184 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">If declared, perpetual preference dividends are payable semi-annually at least seven business days <span class=\"f ps2\"> </span></span></div><div class=\"ps14640 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">prior to the date on which Investec plc pays its ordinary dividends, if any, but shall be payable no later <span class=\"f ps2\"> </span></span></div><div class=\"ps15913 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">than 120 business days after 31 March and 30 September respectively.<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps15924 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Less than \u00a31 000.</span></span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIssuedCapitalExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-950": {
   "value": "<div class=\"ps15927 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:14.95pt\">39<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15781\" style=\"width:5.86pt\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15782\" style=\"width:90.3pt\">Treasury shares<span class=\"f ps2\"> </span></span></div><div class=\"ps15946 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps9195\">2025</span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss1651\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-13225c7c ps7\">Treasury shares held by subsidiaries of Investec plc<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps12462 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.86pt\"></span></span><span class=\"ps10367\">236\u00a0585<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps12463 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.45pt\"></span></span><span class=\"ps6215\">217\u00a0070<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps2818 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-b7f6e8e5 ps9429\">Number<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps2819 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-b7f6e8e5 ps9429\">Number<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9204 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-9458d4de ps7\">Investec plc ordinary shares held by subsidiaries <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9206 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.33pt\"></span></span><span class=\"ps15928\">46\u00a0920\u00a0089<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps9208 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.63pt\"></span></span><span class=\"ps15929\">50\u00a0175\u00a0786<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"><div class=\"ps4003 ss1651\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Reconciliation of treasury shares<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps9211 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-b7f6e8e5 ps9429\">Number<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps9213 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-b7f6e8e5 ps9429\">Number<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13807 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">At the beginning of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15930 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.63pt\"></span></span><span class=\"ps15929\">50\u00a0175\u00a0786<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps15932 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.68pt\"></span></span><span class=\"ps15931\">53\u00a0401\u00a0625<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13046 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-9458d4de ps7\">Purchase of own shares by subsidiary companies <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15933 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.42pt\"></span></span><span class=\"ps11642\">11\u00a0215\u00a0658<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15934 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.64pt\"></span></span><span class=\"ps10249\">8\u00a0115\u00a0826<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13051 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-9458d4de ps7\">Shares disposed of by subsidiaries<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15687 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.58pt\"></span></span><span class=\"ps15935\">(14\u00a0471\u00a0355)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15688 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.47pt\"></span></span><span class=\"ps14534\">(11\u00a0341\u00a0665)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13055 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">At the end of the year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps15937 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:3.43pt\"></span></span><span class=\"ps15936\">46\u00a0920\u00a0089<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15769 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.04pt\"></span></span><span class=\"ps15938\">50\u00a0175\u00a0786<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13059 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Market value of treasury shares<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15940 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5 ps15939\">\u00a3'000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps15941 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5 ps15939\">\u00a3'000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps130 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec plc<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15942 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.85pt\"></span></span><span class=\"ps11806\">269\u00a0321<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps15943 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.37pt\"></span></span><span class=\"ps15183\">240\u00a0442<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15944 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.13pt\"></span></span><span class=\"ps13545\">269\u00a0321<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15945 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.24pt\"></span></span><span class=\"ps7120\">240\u00a0442<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps15948 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Subsidiary companies that hold treasury shares are primarily the staff share trusts that facilitate share-based awards within the <span class=\"f ps2\"> </span></span></div>Group.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTreasurySharesExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-951": {
   "value": "<div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">40<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15952\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15953\">Other reserves<span class=\"f ps2\"> </span></span></div><div class=\"ps5918 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Fair value reserve<span class=\"f ps2\"> </span></span></div><div class=\"ps5919 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">This comprises all fair value adjustments relating to investments in debt instruments and equity investments that are subsequently </span></div><div class=\"ps5920 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">measured at FVOCI. When the debt instrument is derecognised, the cumulative gain or loss is reclassified from equity to profit or <span class=\"f ps2\"> </span></span></div><div class=\"ps13827 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">loss. For investments in equity instruments the cumulative gain or loss is not recycled, but is reclassified to retained income within </span></div><div class=\"ps13828 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">equity on derecognition.<span class=\"f ps2\"> </span></span></div><div class=\"ps15954 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Cash flow hedge reserve<span class=\"f ps2\"> </span></span></div><div class=\"ps15955 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">This comprises the effective portion of the gain or loss on hedging instruments designated as cash flow hedges.</span></div><div class=\"ps15956 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Foreign currency reserve</span></div><div class=\"ps15957 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">This represents the cumulative foreign exchange differences that arise on the translation of an entity with a different functional <span class=\"f ps2\"> </span></span></div><div class=\"ps15960 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">currency than the presentation currency of the parent company a</span><span class=\"f charStyle-33e1c6d6 ps15958\">nd adjustments for designated hedges of net investments</span><span class=\"f charStyle-33e1c6d6 ps15959\">. The <span class=\"f ps2\"> </span></span></div><div class=\"ps15961 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">cumulative reserve relating to a subsidiary or associate company or joint venture that is disposed of is included in the determination </span></div><div class=\"ps15962 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of profit/loss on disposal of the subsidiary, associate company or joint venture.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfReservesAndOtherEquityInterestExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-952": {
   "value": "<div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">43<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15674\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15675\">Notes to the cash flow statement<span class=\"f ps2\"> </span></span></div><div class=\"ps11275 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps9195\">2025</span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss1651\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Profit before taxation adjusted for non-cash items and other adjustments is derived as follows:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps824 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-9458d4de ps7\">Profit before taxation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2818 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-148335ea\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.94pt\"></span></span><span class=\"ps13612\">413\u00a0937<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2819 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.57pt\"></span></span><span class=\"ps5649\">405\u00a0823<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps830 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Adjustment for non-cash items included in profit before taxation:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Gain on step acquisition of a subsidiary<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2823 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.63pt\"></span></span><span class=\"ps12288\">(2\u00a0072)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2825 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps843 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Depreciation of operating lease assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2827 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.25pt\"></span></span><span class=\"ps16066\">14<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2829 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.72pt\"></span></span><span class=\"ps16067\">17<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps849 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Depreciation and impairment of property, equipment, software and other intangibles<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2830 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.29pt\"></span></span><span class=\"ps9484\">20\u00a0645<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2831 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.14pt\"></span></span><span class=\"ps11641\">21\u00a0774<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps853 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other non-cash income <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11957 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.47pt\"></span></span><span class=\"ps16068\">(7\u00a0757)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11894 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps858 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Expected credit loss impairment charges<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11961 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.54pt\"></span></span><span class=\"ps9697\">97\u00a0362<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11900 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.5pt\"></span></span><span class=\"ps14783\">97\u00a0040<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps863 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Share of post-taxation profit of associates and joint venture holdings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11963 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.56pt\"></span></span><span class=\"ps16069\">(60\u00a0283)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11964 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.82pt\"></span></span><span class=\"ps12896\">(40\u00a0921)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps368 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Dividends received from associates and joint venture holdings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11965 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.18pt\"></span></span><span class=\"ps11704\">42\u00a0026<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11966 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.31pt\"></span></span><span class=\"ps9242\">92\u00a0988<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14559 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Share-based payments and employee benefit liability recognised<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15185 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.56pt\"></span></span><span class=\"ps11811\">21\u00a0299<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14990 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.26pt\"></span></span><span class=\"ps9999\">23\u00a0733<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps871 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Profit before taxation adjusted for non-cash items<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps15158 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.9pt\"></span></span><span class=\"ps16070\">525\u00a0171<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14992 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.82pt\"></span></span><span class=\"ps14525\">600\u00a0454<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps872 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Increase in operating assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps879 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15161 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.98pt\"></span></span><span class=\"ps11132\">(629)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14994 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.98pt\"></span></span><span class=\"ps11448\">5\u00a0209<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps886 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Reverse repurchase agreements and cash collateral on securities borrowed<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15163 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.65pt\"></span></span><span class=\"ps16071\">(243\u00a0934)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15164 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.56pt\"></span></span><span class=\"ps16072\">(500\u00a0651)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps893 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15165 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.03pt\"></span></span><span class=\"ps9953\">(1\u00a0164\u00a0550)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14996 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.38pt\"></span></span><span class=\"ps16073\">(596\u00a0568)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps898 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Bank debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15193 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.36pt\"></span></span><span class=\"ps1625\">(149\u00a0813)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14997 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.6pt\"></span></span><span class=\"ps16074\">(26\u00a0936)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps905 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15194 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.1pt\"></span></span><span class=\"ps15059\">(345\u00a0509)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14998 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.2pt\"></span></span><span class=\"ps12106\">(62\u00a0795)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps910 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16075 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.85pt\"></span></span><span class=\"ps15468\">(67\u00a0244)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15000 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.66pt\"></span></span><span class=\"ps11600\">79\u00a0898<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps915 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securities arising from trading activities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16076 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.29pt\"></span></span><span class=\"ps16003\">105\u00a0189<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15001 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.1pt\"></span></span><span class=\"ps16007\">7\u00a0420<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps920 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16078 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.6pt\"></span></span><span class=\"ps16077\">10\u00a0337<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15003 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.76pt\"></span></span><span class=\"ps9988\">(10\u00a0083)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps925 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16080 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.4pt\"></span></span><span class=\"ps16079\">(1\u00a0084\u00a0306)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15005 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.37pt\"></span></span><span class=\"ps15183\">(341\u00a0166)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps930 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16082 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.56pt\"></span></span><span class=\"ps16081\">24\u00a0762<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps16083 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.17pt\"></span></span><span class=\"ps13694\">(21\u00a0704)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps934 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securitised assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16084 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps16086 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.65pt\"></span></span><span class=\"ps16085\">66\u00a0702<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15884 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16088 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.12pt\"></span></span><span class=\"ps16087\">(250\u00a0894)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps16089 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.43pt\"></span></span><span class=\"ps12937\">69\u00a0895<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps353 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fair value adjustment for asset portfolio hedged risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16090 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.73pt\"></span></span><span class=\"ps9685\">20\u00a0507<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps16091 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps16093 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.46pt\"></span></span><span class=\"ps16092\">(3\u00a0146\u00a0084)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps16095 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.71pt\"></span></span><span class=\"ps16094\">(1\u00a0330\u00a0779)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps943 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Increase/(decrease) in operating liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9873 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deposits by banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16096 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.47pt\"></span></span><span class=\"ps12524\">(574\u00a0890)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps16097 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.73pt\"></span></span><span class=\"ps10239\">(696\u00a0737)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps949 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16099 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.74pt\"></span></span><span class=\"ps16098\">144\u00a0414<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps16101 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.9pt\"></span></span><span class=\"ps16100\">(134\u00a0464)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps950 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other trading liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16102 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.34pt\"></span></span><span class=\"ps15157\">3\u00a0167<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps16103 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.63pt\"></span></span><span class=\"ps12288\">(2\u00a0207)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps955 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Repurchase agreements and cash collateral on securities lent<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16104 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.05pt\"></span></span><span class=\"ps14766\">887\u00a0385<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps16106 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.88pt\"></span></span><span class=\"ps16105\">93\u00a0111<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps960 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Customer accounts<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16108 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.72pt\"></span></span><span class=\"ps16107\">1\u00a0011\u00a0888<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps16110 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.63pt\"></span></span><span class=\"ps16109\">665\u00a0244<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps965 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Debt securities in issue<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16112 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.45pt\"></span></span><span class=\"ps16111\">111\u00a0229<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps16113 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.32pt\"></span></span><span class=\"ps13291\">28\u00a0696<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12330 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Liabilities arising on securitisation of other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12331 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12333 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.01pt\"></span></span><span class=\"ps10461\">(71\u00a0751)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12334 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fair value adjustment for liability portfolio hedged risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps12335 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.91pt\"></span></span><span class=\"ps9536\">(10\u00a0395)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps12336 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps16114 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16115 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.7pt\"></span></span><span class=\"ps9498\">431\u00a0096<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps16116 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.06pt\"></span></span><span class=\"ps12277\">(23\u00a0752)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16118 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.39pt\"></span></span><span class=\"ps16117\">2\u00a0003\u00a0894<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16120 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.54pt\"></span></span><span class=\"ps16119\">(141\u00a0860)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashFlowStatementExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-957": {
   "value": "<div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_376\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">44<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16123\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16124\">Commitments, contingent liabilities and provisions<span class=\"f ps2\"> </span></span></div><div class=\"ps11275 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-8d4b9b37 ps9195\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Undrawn facilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps12462 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.84pt\"></span></span><span class=\"ps16125\">2\u00a0800\u00a0803<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps12463 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13pt\"></span></span><span class=\"ps5507\">2\u00a0477\u00a0158<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3425 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Guarantees^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14747 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.41pt\"></span></span><span class=\"ps8328\">83\u00a0647<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14748 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.16pt\"></span></span><span class=\"ps16126\">110\u00a0143<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps6433 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Irrevocable letters of credit^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14749 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.2pt\"></span></span><span class=\"ps9596\">312\u00a0762<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14751 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.98pt\"></span></span><span class=\"ps99\">461\u00a0265<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14752 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Commitments in scope of IFRS 9<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14753 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.22pt\"></span></span><span class=\"ps15684\">3\u00a0197\u00a0212<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14754 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.49pt\"></span></span><span class=\"ps16127\">3\u00a0048\u00a0566<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14755 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other commitments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14757 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.39pt\"></span></span><span class=\"ps2828\">59\u00a0331<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14759 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.63pt\"></span></span><span class=\"ps16128\">65\u00a0550<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14760 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.06pt\"></span></span><span class=\"ps16129\">3\u00a0256\u00a0543<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14761 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.7pt\"></span></span><span class=\"ps16130\">3\u00a0114\u00a0116<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps16131 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^ <span style=\"display:inline-block;height:5.81pt;width:9.82pt\"></span></span></span><span class=\"f charStyle-207fba8f ps968\">Guarantees and irrevocable letters of credit have been disaggregated in the current year and the prior year has been re-presented to align with risk disclosures.</span></div><div class=\"ps16132 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Guarantees are issued by Investec Bank plc on behalf of third parties and other Group companies. The guarantees are issued as </span></div><div class=\"ps16133 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">part of the banking business.</span></div><div class=\"ps16134 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Support is provided by Investec Bank plc to its subsidiaries where appropriate.</span></div><div class=\"ps1772 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Expected credit losses (ECL) of \u00a39 million (</span><span class=\"f charStyle-33e1c6d6 ps16135\">2025</span><span class=\"f charStyle-33e1c6d6 ps16136\">: \u00a38 million) arising on undrawn facilities and \u00a31 million (</span><span class=\"f charStyle-33e1c6d6 ps16137\">2025</span><span class=\"f charStyle-33e1c6d6 ps16138\">: \u00a32 million) arising on </span></div><div class=\"ps16143 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">guarantees and letters of credit are reported in other liabilities. For further details refer to </span><span class=\"f charStyle-33e1c6d6 ps16139\">page</span><span class=\"f charStyle-33e1c6d6 ps16140\"> </span><span class=\"f charStyle-c4fc3a3f ps16141\"><a class=\"Hyperlink\" href=\"#i0331dd6885fe4f23b3cba74a014792f1_9224\" style=\"z-index:1\">168</a></span><span class=\"f charStyle-33e1c6d6 ps16142\"> of the Investec Group\u2019s 2026 </span></div><div class=\"ps16144 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">risk and governance report.</span></div><div class=\"ps16145 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In addition to guarantees, irrevocable letters of credit, credit derivative instruments, undrawn facilities and other commitments, the </span></div><div class=\"ps16152 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group includes in its off-balance sheet exposures for risk management purposes</span><span class=\"f charStyle-33e1c6d6 ps16146\"> \u00a3</span><span class=\"f charStyle-33e1c6d6 ps16147\">75 </span><span class=\"f charStyle-33e1c6d6 ps16148\">million</span><span class=\"f charStyle-33e1c6d6 ps16149\"> (</span><span class=\"f charStyle-33e1c6d6 ps16150\">2025</span><span class=\"f charStyle-33e1c6d6 ps16151\">: \u00a372 million) of potential or </span></div><div class=\"ps16153 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">revocable exposures and similar arrangements that may arise in future, resulting in additional credit risk. </span></div><div class=\"ps16154 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Financial Services Compensation Scheme</span></div><div class=\"ps16155 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Financial Services Compensation Scheme (FSCS), the UK\u2019s statutory fund of last resort, provides compensation to customers </span></div><div class=\"ps16156 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of UK authorised financial institutions in the event that an institution which is a participating member of the FSCS is unable, or is </span></div><div class=\"ps16157 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">likely to be unable, to pay claims against it.</span></div><div class=\"ps9093 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The FSCS raises annual levies from participating members based on their level of participation (in the case of deposits, the </span></div><div class=\"ps16158 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">proportion that their protected deposits represent to total protected deposits) as at 31 December of the year preceding the </span></div><div class=\"ps16159 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">scheme year. Investec Bank plc is a participating member of the FSCS.</span></div><div class=\"ps16160 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">At the date of these financial statements, it is not possible to estimate whether there will ultimately be additional levies on the </span></div><div class=\"ps16161 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">industry, the level of the Group\u2019s market participation or other factors that may affect the amounts or timing of amounts that may </span></div><div class=\"ps16162 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">ultimately become payable, nor the effect that such levies may have upon operating results in any particular financial period.</span></div><div class=\"ps16163 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Legal and regulatory matters</span></div><div class=\"ps16164 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group operates in a legal and regulatory environment that exposes it to legal, regulatory and litigation risks. As a result, the </span></div><div class=\"ps16165 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group is involved in disputes, legal proceedings and is subject to enquiries and examinations, requests for information, audits, </span></div><div class=\"ps16166 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">investigations and other proceedings by regulators and competition authorities which arise in the ordinary course of business. The </span></div><div class=\"ps16167 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group evaluates all facts, the probability of the outcome of the proceedings and advice from internal and external legal counsel </span></div><div class=\"ps16168 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">when considering accounting and regulatory implications. At the present time, the Group does not expect the ultimate resolution of </span></div><div class=\"ps16170 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps2861\">any of these ongoing regulatory reviews and other matters to have a material adverse effect on its financial position.</span><span class=\"f charStyle-4646bb92 ps16169\"> </span></div><div class=\"ps16171 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Historical German dividend tax arbitrage transactions </span></div><div class=\"ps16172 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec Bank plc has previously been notified by the Office of the Public Prosecutor in Cologne, Germany, that it and certain of its </span></div><div class=\"ps16173 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">current and former employees may be involved in possible charges relating to historical involvement in German dividend tax </span></div><div class=\"ps16174 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">arbitrage transactions (known as cum-ex transactions). Investigations are ongoing and no formal proceedings have been issued </span></div><div class=\"ps16175 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">against Investec Bank plc by the Office of the Public Prosecutor. In addition, Investec Bank plc received certain enquiries in respect </span></div><div class=\"ps16176 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of client tax reclaims for the periods 2010-2011 relating to the historical German dividend arbitrage transactions from the German </span></div><div class=\"ps16177 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Federal Tax Office (FTO) in Bonn. The FTO provided more information in relation to their claims and Investec Bank plc has sought </span></div><div class=\"ps16178 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">further information and clarification. </span></div><div class=\"ps16179 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec Bank plc is cooperating with the German authorities and continues to conduct its own internal investigation into the </span></div><div class=\"ps16180 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">matters in question. A provision is held to reflect the estimate of financial outflows that could arise as a result of this matter and is </span></div><div class=\"ps16181 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reassessed at each reporting date. There are factual issues to be resolved which may have legal consequences, including financial </span></div><div class=\"ps16182 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">penalties. </span></div><div class=\"ps16183 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In relation to potential civil claims; whilst Investec Bank plc is not a claimant nor a defendant to any civil claims in respect of cum-ex </span></div><div class=\"ps16184 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">transactions, Investec Bank plc has received third party notices in relation to two civil proceedings in Germany and may elect to join </span></div><div class=\"ps16185 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the proceedings as a third party participant. Investec Bank plc has itself served third party notices on various participants to these </span></div><div class=\"ps16186 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">historic transactions in order to preserve the statute of limitations on any potential future claims that Investec Bank plc may seek to </span></div><div class=\"ps16187 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">bring against those parties, should Investec Bank plc incur any liability in the future. Investec Bank plc has also entered into </span></div><div class=\"ps16188 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">standstill agreements with some third parties in order to suspend the limitation period in respect of the potential civil claims. While </span></div><div class=\"ps16189 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec Bank plc is not a claimant nor a defendant to any civil claims at this stage, it cannot rule out the possibility of civil claims by </span></div><div class=\"ps16190 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">or against Investec Bank plc in future in relation to the relevant transactions. </span></div><div class=\"ps16191 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group has not provided further disclosure with respect to these historical dividend arbitrage transactions because it has </span></div><div class=\"ps16192 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">concluded that such disclosure may be expected to seriously prejudice its outcome.</span></div></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">44</span><span class=\"f charStyle-f6a3ab10 ps16123\">. </span><span class=\"f charStyle-f6a3ab10 ps16124\">Commitments, contingent liabilities and provisions</span><span class=\"f charStyle-f6a3ab10 ps16193\"> (continued)</span></div><div class=\"ps979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Motor finance commission review </span></div><div class=\"ps16194 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Investec Group (the Group) notes the FCA\u2019s announcement on 30 March 2026 regarding the final scope of the Motor Finance </span></div><div class=\"ps16195 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">compensation scheme, following the Supreme Court judgement handed down on 1 August 2025, and has undertaken an </span></div><div class=\"ps16196 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">assessment of the implications and potential impact of the proposed redress scheme.</span></div><div class=\"ps16197 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">As previously disclosed, in determining its existing provision the Group considered a range of scenarios to reflect uncertainties in </span></div><div class=\"ps16198 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">key assumptions, including potential regulatory responses and redress outcomes. The FCA has now provided further detail on the </span></div><div class=\"ps16199 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">approach, including the products in scope, the circumstances in which inadequate disclosure may give rise to an unfair relationship, </span></div><div class=\"ps16200 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the methodology for calculating redress, and the proposed customer engagement approach and time limits.</span></div><div class=\"ps16201 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Based on the scheme as currently proposed, the Group has concluded that its existing provision of \u00a330million, covering both </span></div><div class=\"ps16202 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">redress and associated operational costs, remains appropriate based on information currently available and our estimate of a </span></div><div class=\"ps16203 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">potential response rate. The ultimate financial impact could differ from these estimates as a result of customer take-up rates and </span></div><div class=\"ps16204 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the associated impact on operational costs; however, we do not believe this will impact the overall provision materially.</span></div><div class=\"ps16205 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group notes that the FCA\u2019s scheme is subject to ongoing legal challenges which, if successful, may materially affect the </span></div><div class=\"ps16206 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">design, implementation or existence of any redress framework. Accordingly, the legal and regulatory position, as well as the nature, </span></div><div class=\"ps16207 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">extent and timing of any remediation, remain materially uncertain pending the outcome of this challenge.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfProvisionsExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-956": {
   "value": "<div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_376\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">44<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16123\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16124\">Commitments, contingent liabilities and provisions<span class=\"f ps2\"> </span></span></div><div class=\"ps11275 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-8d4b9b37 ps9195\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Undrawn facilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps12462 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.84pt\"></span></span><span class=\"ps16125\">2\u00a0800\u00a0803<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps12463 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13pt\"></span></span><span class=\"ps5507\">2\u00a0477\u00a0158<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3425 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Guarantees^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14747 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.41pt\"></span></span><span class=\"ps8328\">83\u00a0647<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14748 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.16pt\"></span></span><span class=\"ps16126\">110\u00a0143<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps6433 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Irrevocable letters of credit^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14749 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.2pt\"></span></span><span class=\"ps9596\">312\u00a0762<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14751 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.98pt\"></span></span><span class=\"ps99\">461\u00a0265<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14752 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Commitments in scope of IFRS 9<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14753 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.22pt\"></span></span><span class=\"ps15684\">3\u00a0197\u00a0212<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14754 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.49pt\"></span></span><span class=\"ps16127\">3\u00a0048\u00a0566<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14755 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other commitments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14757 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.39pt\"></span></span><span class=\"ps2828\">59\u00a0331<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14759 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.63pt\"></span></span><span class=\"ps16128\">65\u00a0550<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14760 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.06pt\"></span></span><span class=\"ps16129\">3\u00a0256\u00a0543<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14761 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.7pt\"></span></span><span class=\"ps16130\">3\u00a0114\u00a0116<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps16131 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^ <span style=\"display:inline-block;height:5.81pt;width:9.82pt\"></span></span></span><span class=\"f charStyle-207fba8f ps968\">Guarantees and irrevocable letters of credit have been disaggregated in the current year and the prior year has been re-presented to align with risk disclosures.</span></div><div class=\"ps16132 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Guarantees are issued by Investec Bank plc on behalf of third parties and other Group companies. The guarantees are issued as </span></div><div class=\"ps16133 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">part of the banking business.</span></div><div class=\"ps16134 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Support is provided by Investec Bank plc to its subsidiaries where appropriate.</span></div><div class=\"ps1772 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Expected credit losses (ECL) of \u00a39 million (</span><span class=\"f charStyle-33e1c6d6 ps16135\">2025</span><span class=\"f charStyle-33e1c6d6 ps16136\">: \u00a38 million) arising on undrawn facilities and \u00a31 million (</span><span class=\"f charStyle-33e1c6d6 ps16137\">2025</span><span class=\"f charStyle-33e1c6d6 ps16138\">: \u00a32 million) arising on </span></div><div class=\"ps16143 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">guarantees and letters of credit are reported in other liabilities. For further details refer to </span><span class=\"f charStyle-33e1c6d6 ps16139\">page</span><span class=\"f charStyle-33e1c6d6 ps16140\"> </span><span class=\"f charStyle-c4fc3a3f ps16141\"><a class=\"Hyperlink\" href=\"#i0331dd6885fe4f23b3cba74a014792f1_9224\" style=\"z-index:1\">168</a></span><span class=\"f charStyle-33e1c6d6 ps16142\"> of the Investec Group\u2019s 2026 </span></div><div class=\"ps16144 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">risk and governance report.</span></div><div class=\"ps16145 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In addition to guarantees, irrevocable letters of credit, credit derivative instruments, undrawn facilities and other commitments, the </span></div><div class=\"ps16152 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group includes in its off-balance sheet exposures for risk management purposes</span><span class=\"f charStyle-33e1c6d6 ps16146\"> \u00a3</span><span class=\"f charStyle-33e1c6d6 ps16147\">75 </span><span class=\"f charStyle-33e1c6d6 ps16148\">million</span><span class=\"f charStyle-33e1c6d6 ps16149\"> (</span><span class=\"f charStyle-33e1c6d6 ps16150\">2025</span><span class=\"f charStyle-33e1c6d6 ps16151\">: \u00a372 million) of potential or </span></div><div class=\"ps16153 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">revocable exposures and similar arrangements that may arise in future, resulting in additional credit risk. </span></div><div class=\"ps16154 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Financial Services Compensation Scheme</span></div><div class=\"ps16155 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Financial Services Compensation Scheme (FSCS), the UK\u2019s statutory fund of last resort, provides compensation to customers </span></div><div class=\"ps16156 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of UK authorised financial institutions in the event that an institution which is a participating member of the FSCS is unable, or is </span></div><div class=\"ps16157 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">likely to be unable, to pay claims against it.</span></div><div class=\"ps9093 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The FSCS raises annual levies from participating members based on their level of participation (in the case of deposits, the </span></div><div class=\"ps16158 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">proportion that their protected deposits represent to total protected deposits) as at 31 December of the year preceding the </span></div><div class=\"ps16159 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">scheme year. Investec Bank plc is a participating member of the FSCS.</span></div><div class=\"ps16160 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">At the date of these financial statements, it is not possible to estimate whether there will ultimately be additional levies on the </span></div><div class=\"ps16161 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">industry, the level of the Group\u2019s market participation or other factors that may affect the amounts or timing of amounts that may </span></div><div class=\"ps16162 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">ultimately become payable, nor the effect that such levies may have upon operating results in any particular financial period.</span></div><div class=\"ps16163 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Legal and regulatory matters</span></div><div class=\"ps16164 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group operates in a legal and regulatory environment that exposes it to legal, regulatory and litigation risks. As a result, the </span></div><div class=\"ps16165 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group is involved in disputes, legal proceedings and is subject to enquiries and examinations, requests for information, audits, </span></div><div class=\"ps16166 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">investigations and other proceedings by regulators and competition authorities which arise in the ordinary course of business. The </span></div><div class=\"ps16167 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group evaluates all facts, the probability of the outcome of the proceedings and advice from internal and external legal counsel </span></div><div class=\"ps16168 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">when considering accounting and regulatory implications. At the present time, the Group does not expect the ultimate resolution of </span></div><div class=\"ps16170 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps2861\">any of these ongoing regulatory reviews and other matters to have a material adverse effect on its financial position.</span><span class=\"f charStyle-4646bb92 ps16169\"> </span></div><div class=\"ps16171 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Historical German dividend tax arbitrage transactions </span></div><div class=\"ps16172 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec Bank plc has previously been notified by the Office of the Public Prosecutor in Cologne, Germany, that it and certain of its </span></div><div class=\"ps16173 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">current and former employees may be involved in possible charges relating to historical involvement in German dividend tax </span></div><div class=\"ps16174 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">arbitrage transactions (known as cum-ex transactions). Investigations are ongoing and no formal proceedings have been issued </span></div><div class=\"ps16175 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">against Investec Bank plc by the Office of the Public Prosecutor. In addition, Investec Bank plc received certain enquiries in respect </span></div><div class=\"ps16176 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of client tax reclaims for the periods 2010-2011 relating to the historical German dividend arbitrage transactions from the German </span></div><div class=\"ps16177 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Federal Tax Office (FTO) in Bonn. The FTO provided more information in relation to their claims and Investec Bank plc has sought </span></div><div class=\"ps16178 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">further information and clarification. </span></div><div class=\"ps16179 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec Bank plc is cooperating with the German authorities and continues to conduct its own internal investigation into the </span></div><div class=\"ps16180 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">matters in question. A provision is held to reflect the estimate of financial outflows that could arise as a result of this matter and is </span></div><div class=\"ps16181 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reassessed at each reporting date. There are factual issues to be resolved which may have legal consequences, including financial </span></div><div class=\"ps16182 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">penalties. </span></div><div class=\"ps16183 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In relation to potential civil claims; whilst Investec Bank plc is not a claimant nor a defendant to any civil claims in respect of cum-ex </span></div><div class=\"ps16184 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">transactions, Investec Bank plc has received third party notices in relation to two civil proceedings in Germany and may elect to join </span></div><div class=\"ps16185 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the proceedings as a third party participant. Investec Bank plc has itself served third party notices on various participants to these </span></div><div class=\"ps16186 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">historic transactions in order to preserve the statute of limitations on any potential future claims that Investec Bank plc may seek to </span></div><div class=\"ps16187 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">bring against those parties, should Investec Bank plc incur any liability in the future. Investec Bank plc has also entered into </span></div><div class=\"ps16188 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">standstill agreements with some third parties in order to suspend the limitation period in respect of the potential civil claims. While </span></div><div class=\"ps16189 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec Bank plc is not a claimant nor a defendant to any civil claims at this stage, it cannot rule out the possibility of civil claims by </span></div><div class=\"ps16190 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">or against Investec Bank plc in future in relation to the relevant transactions. </span></div><div class=\"ps16191 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group has not provided further disclosure with respect to these historical dividend arbitrage transactions because it has </span></div><div class=\"ps16192 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">concluded that such disclosure may be expected to seriously prejudice its outcome.</span></div></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">44</span><span class=\"f charStyle-f6a3ab10 ps16123\">. </span><span class=\"f charStyle-f6a3ab10 ps16124\">Commitments, contingent liabilities and provisions</span><span class=\"f charStyle-f6a3ab10 ps16193\"> (continued)</span></div><div class=\"ps979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Motor finance commission review </span></div><div class=\"ps16194 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Investec Group (the Group) notes the FCA\u2019s announcement on 30 March 2026 regarding the final scope of the Motor Finance </span></div><div class=\"ps16195 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">compensation scheme, following the Supreme Court judgement handed down on 1 August 2025, and has undertaken an </span></div><div class=\"ps16196 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">assessment of the implications and potential impact of the proposed redress scheme.</span></div><div class=\"ps16197 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">As previously disclosed, in determining its existing provision the Group considered a range of scenarios to reflect uncertainties in </span></div><div class=\"ps16198 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">key assumptions, including potential regulatory responses and redress outcomes. The FCA has now provided further detail on the </span></div><div class=\"ps16199 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">approach, including the products in scope, the circumstances in which inadequate disclosure may give rise to an unfair relationship, </span></div><div class=\"ps16200 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the methodology for calculating redress, and the proposed customer engagement approach and time limits.</span></div><div class=\"ps16201 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Based on the scheme as currently proposed, the Group has concluded that its existing provision of \u00a330million, covering both </span></div><div class=\"ps16202 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">redress and associated operational costs, remains appropriate based on information currently available and our estimate of a </span></div><div class=\"ps16203 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">potential response rate. The ultimate financial impact could differ from these estimates as a result of customer take-up rates and </span></div><div class=\"ps16204 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the associated impact on operational costs; however, we do not believe this will impact the overall provision materially.</span></div><div class=\"ps16205 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group notes that the FCA\u2019s scheme is subject to ongoing legal challenges which, if successful, may materially affect the </span></div><div class=\"ps16206 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">design, implementation or existence of any redress framework. Accordingly, the legal and regulatory position, as well as the nature, </span></div><div class=\"ps16207 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">extent and timing of any remediation, remain materially uncertain pending the outcome of this challenge.</span></div><div class=\"ps16211 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:14.98pt\">45<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16209\" style=\"width:5.86pt\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16210\" style=\"width:84.68pt\">Pledged assets<span class=\"f ps2\"> </span></span></div><div class=\"ps16224 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:255.75pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"4\" style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps12364 ss1916\"><div><div class=\"ps1404 ss1514\"><span class=\"f charStyle-a26246ce ps12062\">Carrying amount<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss1514\"><span class=\"f charStyle-a26246ce ps16212\"> of pledged assets<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"4\" style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps2813 ss1916\"><div><div class=\"ps1400 ss1514\"><span class=\"f charStyle-a26246ce ps16213\">Related liability<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps429 ss30\"><div><div class=\"ps809 ss29\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16214 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps16215 ss1663\"><div><div class=\"ps11070 ss114\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps9195\">2025</span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9660 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9661 ss1663\"><div><div class=\"ps11070 ss114\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps9195\">2025</span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps362 ss1746\"><div><div class=\"ps4014 ss29\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1002 ss1698\"><div><div class=\"ps997 ss29\"><span class=\"f charStyle-b7f6e8e5 ps7\">Pledged assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2492 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14793 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.28pt\"></span></span><span class=\"ps9500\">46\u00a0085<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14794 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.26pt\"></span></span><span class=\"ps11587\">48\u00a0103<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14795 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.38pt\"></span></span><span class=\"ps16216\">74\u00a0803<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2496 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">89\u00a0736<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps192 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14799 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.76pt\"></span></span><span class=\"ps16217\">1\u00a0149\u00a0518<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14800 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.9pt\"></span></span><span class=\"ps8422\">177\u00a0855<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14801 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.24pt\"></span></span><span class=\"ps16218\">1\u00a0041\u00a0804<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2500 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.31pt\"></span></span><span class=\"ps9242\">86\u00a0245<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2501 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Bank debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14805 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.65pt\"></span></span><span class=\"ps16219\">12\u00a0473<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14807 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.78pt\"></span></span><span class=\"ps11816\">14\u00a0872<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14808 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.5pt\"></span></span><span class=\"ps12189\">11\u00a0304<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2505 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.48pt\"></span></span><span class=\"ps10135\">7\u00a0212<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2506 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securities arising from trading activities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14812 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.1pt\"></span></span><span class=\"ps16007\">9\u00a0837<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14814 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.99pt\"></span></span><span class=\"ps9376\">9\u00a0213<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14815 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.23pt\"></span></span><span class=\"ps16041\">8\u00a0915<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2510 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.85pt\"></span></span><span class=\"ps12318\">8\u00a0538<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2511 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16220 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.97pt\"></span></span><span class=\"ps9560\">992\u00a0237<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps16221 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.55pt\"></span></span><span class=\"ps15308\">921\u00a0737<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16223 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.89pt\"></span></span><span class=\"ps16222\">2\u00a0441<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2515 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.52pt\"></span></span><span class=\"ps14223\">446\u00a0966<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4281 ss30\"><div><div class=\"ps815 ss29\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14820 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.03pt\"></span></span><span class=\"ps11655\">121<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14821 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.88pt\"></span></span><span class=\"ps1604\">501<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14823 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.65pt\"></span></span><span class=\"ps9682\">205<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14824 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.54pt\"></span></span><span class=\"ps12182\">935<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14828 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.23pt\"></span></span><span class=\"ps14725\">2\u00a0210\u00a0271<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14830 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.49pt\"></span></span><span class=\"ps12028\">1\u00a0172\u00a0281<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11830 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.86pt\"></span></span><span class=\"ps9710\">1\u00a0139\u00a0472<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11832 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.63pt\"></span></span><span class=\"ps15081\">639\u00a0632<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps16225 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The assets pledged by the Group are strictly for the purpose of providing collateral for the counterparty. Additionally, assets </span></div><div class=\"ps16230 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">pledged for securities lending transactions amounting to\u00a0 </span><span class=\"f charStyle-33e1c6d6 ps16226\">\u00a3143\u00a0million</span><span class=\"f charStyle-33e1c6d6 ps16227\"> </span><span class=\"f charStyle-33e1c6d6 ps1350\"> (31 March 2025: </span><span class=\"f charStyle-33e1c6d6 ps16228\">\u00a352\u00a0million</span><span class=\"f charStyle-33e1c6d6 ps16229\">) are disclosed this year. These </span></div>are not included in \u201csovereign debt securities\u201d in the table above and have no related liabilities.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCommitmentsAndContingentLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-955": {
   "value": "<div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_376\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">44<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16123\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16124\">Commitments, contingent liabilities and provisions<span class=\"f ps2\"> </span></span></div><div class=\"ps11275 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-8d4b9b37 ps9195\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Undrawn facilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps12462 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.84pt\"></span></span><span class=\"ps16125\">2\u00a0800\u00a0803<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps12463 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13pt\"></span></span><span class=\"ps5507\">2\u00a0477\u00a0158<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3425 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Guarantees^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14747 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.41pt\"></span></span><span class=\"ps8328\">83\u00a0647<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14748 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.16pt\"></span></span><span class=\"ps16126\">110\u00a0143<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps6433 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Irrevocable letters of credit^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14749 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.2pt\"></span></span><span class=\"ps9596\">312\u00a0762<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14751 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.98pt\"></span></span><span class=\"ps99\">461\u00a0265<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14752 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Commitments in scope of IFRS 9<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14753 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.22pt\"></span></span><span class=\"ps15684\">3\u00a0197\u00a0212<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14754 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.49pt\"></span></span><span class=\"ps16127\">3\u00a0048\u00a0566<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14755 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other commitments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14757 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.39pt\"></span></span><span class=\"ps2828\">59\u00a0331<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14759 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.63pt\"></span></span><span class=\"ps16128\">65\u00a0550<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14760 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.06pt\"></span></span><span class=\"ps16129\">3\u00a0256\u00a0543<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14761 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.7pt\"></span></span><span class=\"ps16130\">3\u00a0114\u00a0116<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps16131 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^ <span style=\"display:inline-block;height:5.81pt;width:9.82pt\"></span></span></span><span class=\"f charStyle-207fba8f ps968\">Guarantees and irrevocable letters of credit have been disaggregated in the current year and the prior year has been re-presented to align with risk disclosures.</span></div><div class=\"ps16132 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Guarantees are issued by Investec Bank plc on behalf of third parties and other Group companies. The guarantees are issued as </span></div><div class=\"ps16133 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">part of the banking business.</span></div><div class=\"ps16134 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Support is provided by Investec Bank plc to its subsidiaries where appropriate.</span></div><div class=\"ps1772 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Expected credit losses (ECL) of \u00a39 million (</span><span class=\"f charStyle-33e1c6d6 ps16135\">2025</span><span class=\"f charStyle-33e1c6d6 ps16136\">: \u00a38 million) arising on undrawn facilities and \u00a31 million (</span><span class=\"f charStyle-33e1c6d6 ps16137\">2025</span><span class=\"f charStyle-33e1c6d6 ps16138\">: \u00a32 million) arising on </span></div><div class=\"ps16143 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">guarantees and letters of credit are reported in other liabilities. For further details refer to </span><span class=\"f charStyle-33e1c6d6 ps16139\">page</span><span class=\"f charStyle-33e1c6d6 ps16140\"> </span><span class=\"f charStyle-c4fc3a3f ps16141\"><a class=\"Hyperlink\" href=\"#i0331dd6885fe4f23b3cba74a014792f1_9224\" style=\"z-index:1\">168</a></span><span class=\"f charStyle-33e1c6d6 ps16142\"> of the Investec Group\u2019s 2026 </span></div><div class=\"ps16144 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">risk and governance report.</span></div><div class=\"ps16145 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In addition to guarantees, irrevocable letters of credit, credit derivative instruments, undrawn facilities and other commitments, the </span></div><div class=\"ps16152 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group includes in its off-balance sheet exposures for risk management purposes</span><span class=\"f charStyle-33e1c6d6 ps16146\"> \u00a3</span><span class=\"f charStyle-33e1c6d6 ps16147\">75 </span><span class=\"f charStyle-33e1c6d6 ps16148\">million</span><span class=\"f charStyle-33e1c6d6 ps16149\"> (</span><span class=\"f charStyle-33e1c6d6 ps16150\">2025</span><span class=\"f charStyle-33e1c6d6 ps16151\">: \u00a372 million) of potential or </span></div><div class=\"ps16153 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">revocable exposures and similar arrangements that may arise in future, resulting in additional credit risk. </span></div><div class=\"ps16154 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Financial Services Compensation Scheme</span></div><div class=\"ps16155 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Financial Services Compensation Scheme (FSCS), the UK\u2019s statutory fund of last resort, provides compensation to customers </span></div><div class=\"ps16156 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of UK authorised financial institutions in the event that an institution which is a participating member of the FSCS is unable, or is </span></div><div class=\"ps16157 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">likely to be unable, to pay claims against it.</span></div><div class=\"ps9093 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The FSCS raises annual levies from participating members based on their level of participation (in the case of deposits, the </span></div><div class=\"ps16158 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">proportion that their protected deposits represent to total protected deposits) as at 31 December of the year preceding the </span></div><div class=\"ps16159 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">scheme year. Investec Bank plc is a participating member of the FSCS.</span></div><div class=\"ps16160 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">At the date of these financial statements, it is not possible to estimate whether there will ultimately be additional levies on the </span></div><div class=\"ps16161 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">industry, the level of the Group\u2019s market participation or other factors that may affect the amounts or timing of amounts that may </span></div><div class=\"ps16162 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">ultimately become payable, nor the effect that such levies may have upon operating results in any particular financial period.</span></div><div class=\"ps16163 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Legal and regulatory matters</span></div><div class=\"ps16164 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group operates in a legal and regulatory environment that exposes it to legal, regulatory and litigation risks. As a result, the </span></div><div class=\"ps16165 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group is involved in disputes, legal proceedings and is subject to enquiries and examinations, requests for information, audits, </span></div><div class=\"ps16166 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">investigations and other proceedings by regulators and competition authorities which arise in the ordinary course of business. The </span></div><div class=\"ps16167 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group evaluates all facts, the probability of the outcome of the proceedings and advice from internal and external legal counsel </span></div><div class=\"ps16168 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">when considering accounting and regulatory implications. At the present time, the Group does not expect the ultimate resolution of </span></div><div class=\"ps16170 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps2861\">any of these ongoing regulatory reviews and other matters to have a material adverse effect on its financial position.</span><span class=\"f charStyle-4646bb92 ps16169\"> </span></div><div class=\"ps16171 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Historical German dividend tax arbitrage transactions </span></div><div class=\"ps16172 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec Bank plc has previously been notified by the Office of the Public Prosecutor in Cologne, Germany, that it and certain of its </span></div><div class=\"ps16173 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">current and former employees may be involved in possible charges relating to historical involvement in German dividend tax </span></div><div class=\"ps16174 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">arbitrage transactions (known as cum-ex transactions). Investigations are ongoing and no formal proceedings have been issued </span></div><div class=\"ps16175 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">against Investec Bank plc by the Office of the Public Prosecutor. In addition, Investec Bank plc received certain enquiries in respect </span></div><div class=\"ps16176 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of client tax reclaims for the periods 2010-2011 relating to the historical German dividend arbitrage transactions from the German </span></div><div class=\"ps16177 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Federal Tax Office (FTO) in Bonn. The FTO provided more information in relation to their claims and Investec Bank plc has sought </span></div><div class=\"ps16178 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">further information and clarification. </span></div><div class=\"ps16179 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec Bank plc is cooperating with the German authorities and continues to conduct its own internal investigation into the </span></div><div class=\"ps16180 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">matters in question. A provision is held to reflect the estimate of financial outflows that could arise as a result of this matter and is </span></div><div class=\"ps16181 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reassessed at each reporting date. There are factual issues to be resolved which may have legal consequences, including financial </span></div><div class=\"ps16182 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">penalties. </span></div><div class=\"ps16183 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In relation to potential civil claims; whilst Investec Bank plc is not a claimant nor a defendant to any civil claims in respect of cum-ex </span></div><div class=\"ps16184 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">transactions, Investec Bank plc has received third party notices in relation to two civil proceedings in Germany and may elect to join </span></div><div class=\"ps16185 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the proceedings as a third party participant. Investec Bank plc has itself served third party notices on various participants to these </span></div><div class=\"ps16186 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">historic transactions in order to preserve the statute of limitations on any potential future claims that Investec Bank plc may seek to </span></div><div class=\"ps16187 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">bring against those parties, should Investec Bank plc incur any liability in the future. Investec Bank plc has also entered into </span></div><div class=\"ps16188 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">standstill agreements with some third parties in order to suspend the limitation period in respect of the potential civil claims. While </span></div><div class=\"ps16189 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec Bank plc is not a claimant nor a defendant to any civil claims at this stage, it cannot rule out the possibility of civil claims by </span></div><div class=\"ps16190 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">or against Investec Bank plc in future in relation to the relevant transactions. </span></div><div class=\"ps16191 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group has not provided further disclosure with respect to these historical dividend arbitrage transactions because it has </span></div><div class=\"ps16192 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">concluded that such disclosure may be expected to seriously prejudice its outcome.</span></div></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">44</span><span class=\"f charStyle-f6a3ab10 ps16123\">. </span><span class=\"f charStyle-f6a3ab10 ps16124\">Commitments, contingent liabilities and provisions</span><span class=\"f charStyle-f6a3ab10 ps16193\"> (continued)</span></div><div class=\"ps979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Motor finance commission review </span></div><div class=\"ps16194 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Investec Group (the Group) notes the FCA\u2019s announcement on 30 March 2026 regarding the final scope of the Motor Finance </span></div><div class=\"ps16195 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">compensation scheme, following the Supreme Court judgement handed down on 1 August 2025, and has undertaken an </span></div><div class=\"ps16196 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">assessment of the implications and potential impact of the proposed redress scheme.</span></div><div class=\"ps16197 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">As previously disclosed, in determining its existing provision the Group considered a range of scenarios to reflect uncertainties in </span></div><div class=\"ps16198 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">key assumptions, including potential regulatory responses and redress outcomes. The FCA has now provided further detail on the </span></div><div class=\"ps16199 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">approach, including the products in scope, the circumstances in which inadequate disclosure may give rise to an unfair relationship, </span></div><div class=\"ps16200 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the methodology for calculating redress, and the proposed customer engagement approach and time limits.</span></div><div class=\"ps16201 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Based on the scheme as currently proposed, the Group has concluded that its existing provision of \u00a330million, covering both </span></div><div class=\"ps16202 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">redress and associated operational costs, remains appropriate based on information currently available and our estimate of a </span></div><div class=\"ps16203 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">potential response rate. The ultimate financial impact could differ from these estimates as a result of customer take-up rates and </span></div><div class=\"ps16204 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the associated impact on operational costs; however, we do not believe this will impact the overall provision materially.</span></div><div class=\"ps16205 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group notes that the FCA\u2019s scheme is subject to ongoing legal challenges which, if successful, may materially affect the </span></div><div class=\"ps16206 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">design, implementation or existence of any redress framework. Accordingly, the legal and regulatory position, as well as the nature, </span></div><div class=\"ps16207 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">extent and timing of any remediation, remain materially uncertain pending the outcome of this challenge.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherProvisionsContingentLiabilitiesAndContingentAssetsExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-954": {
   "value": "<div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_376\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">44<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16123\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16124\">Commitments, contingent liabilities and provisions<span class=\"f ps2\"> </span></span></div><div class=\"ps11275 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-8d4b9b37 ps9195\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Undrawn facilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps12462 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.84pt\"></span></span><span class=\"ps16125\">2\u00a0800\u00a0803<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps12463 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13pt\"></span></span><span class=\"ps5507\">2\u00a0477\u00a0158<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3425 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Guarantees^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14747 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.41pt\"></span></span><span class=\"ps8328\">83\u00a0647<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14748 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.16pt\"></span></span><span class=\"ps16126\">110\u00a0143<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps6433 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Irrevocable letters of credit^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14749 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.2pt\"></span></span><span class=\"ps9596\">312\u00a0762<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14751 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.98pt\"></span></span><span class=\"ps99\">461\u00a0265<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14752 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Commitments in scope of IFRS 9<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14753 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.22pt\"></span></span><span class=\"ps15684\">3\u00a0197\u00a0212<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14754 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.49pt\"></span></span><span class=\"ps16127\">3\u00a0048\u00a0566<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14755 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other commitments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14757 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.39pt\"></span></span><span class=\"ps2828\">59\u00a0331<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14759 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.63pt\"></span></span><span class=\"ps16128\">65\u00a0550<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14760 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.06pt\"></span></span><span class=\"ps16129\">3\u00a0256\u00a0543<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14761 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.7pt\"></span></span><span class=\"ps16130\">3\u00a0114\u00a0116<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps16131 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^ <span style=\"display:inline-block;height:5.81pt;width:9.82pt\"></span></span></span><span class=\"f charStyle-207fba8f ps968\">Guarantees and irrevocable letters of credit have been disaggregated in the current year and the prior year has been re-presented to align with risk disclosures.</span></div><div class=\"ps16132 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Guarantees are issued by Investec Bank plc on behalf of third parties and other Group companies. The guarantees are issued as </span></div><div class=\"ps16133 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">part of the banking business.</span></div><div class=\"ps16134 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Support is provided by Investec Bank plc to its subsidiaries where appropriate.</span></div><div class=\"ps1772 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Expected credit losses (ECL) of \u00a39 million (</span><span class=\"f charStyle-33e1c6d6 ps16135\">2025</span><span class=\"f charStyle-33e1c6d6 ps16136\">: \u00a38 million) arising on undrawn facilities and \u00a31 million (</span><span class=\"f charStyle-33e1c6d6 ps16137\">2025</span><span class=\"f charStyle-33e1c6d6 ps16138\">: \u00a32 million) arising on </span></div><div class=\"ps16143 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">guarantees and letters of credit are reported in other liabilities. For further details refer to </span><span class=\"f charStyle-33e1c6d6 ps16139\">page</span><span class=\"f charStyle-33e1c6d6 ps16140\"> </span><span class=\"f charStyle-c4fc3a3f ps16141\"><a class=\"Hyperlink\" href=\"#i0331dd6885fe4f23b3cba74a014792f1_9224\" style=\"z-index:1\">168</a></span><span class=\"f charStyle-33e1c6d6 ps16142\"> of the Investec Group\u2019s 2026 </span></div><div class=\"ps16144 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">risk and governance report.</span></div><div class=\"ps16145 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In addition to guarantees, irrevocable letters of credit, credit derivative instruments, undrawn facilities and other commitments, the </span></div><div class=\"ps16152 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group includes in its off-balance sheet exposures for risk management purposes</span><span class=\"f charStyle-33e1c6d6 ps16146\"> \u00a3</span><span class=\"f charStyle-33e1c6d6 ps16147\">75 </span><span class=\"f charStyle-33e1c6d6 ps16148\">million</span><span class=\"f charStyle-33e1c6d6 ps16149\"> (</span><span class=\"f charStyle-33e1c6d6 ps16150\">2025</span><span class=\"f charStyle-33e1c6d6 ps16151\">: \u00a372 million) of potential or </span></div><div class=\"ps16153 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">revocable exposures and similar arrangements that may arise in future, resulting in additional credit risk. </span></div><div class=\"ps16154 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Financial Services Compensation Scheme</span></div><div class=\"ps16155 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Financial Services Compensation Scheme (FSCS), the UK\u2019s statutory fund of last resort, provides compensation to customers </span></div><div class=\"ps16156 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of UK authorised financial institutions in the event that an institution which is a participating member of the FSCS is unable, or is </span></div><div class=\"ps16157 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">likely to be unable, to pay claims against it.</span></div><div class=\"ps9093 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The FSCS raises annual levies from participating members based on their level of participation (in the case of deposits, the </span></div><div class=\"ps16158 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">proportion that their protected deposits represent to total protected deposits) as at 31 December of the year preceding the </span></div><div class=\"ps16159 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">scheme year. Investec Bank plc is a participating member of the FSCS.</span></div><div class=\"ps16160 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">At the date of these financial statements, it is not possible to estimate whether there will ultimately be additional levies on the </span></div><div class=\"ps16161 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">industry, the level of the Group\u2019s market participation or other factors that may affect the amounts or timing of amounts that may </span></div><div class=\"ps16162 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">ultimately become payable, nor the effect that such levies may have upon operating results in any particular financial period.</span></div><div class=\"ps16163 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Legal and regulatory matters</span></div><div class=\"ps16164 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group operates in a legal and regulatory environment that exposes it to legal, regulatory and litigation risks. As a result, the </span></div><div class=\"ps16165 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group is involved in disputes, legal proceedings and is subject to enquiries and examinations, requests for information, audits, </span></div><div class=\"ps16166 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">investigations and other proceedings by regulators and competition authorities which arise in the ordinary course of business. The </span></div><div class=\"ps16167 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group evaluates all facts, the probability of the outcome of the proceedings and advice from internal and external legal counsel </span></div><div class=\"ps16168 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">when considering accounting and regulatory implications. At the present time, the Group does not expect the ultimate resolution of </span></div><div class=\"ps16170 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps2861\">any of these ongoing regulatory reviews and other matters to have a material adverse effect on its financial position.</span><span class=\"f charStyle-4646bb92 ps16169\"> </span></div><div class=\"ps16171 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Historical German dividend tax arbitrage transactions </span></div><div class=\"ps16172 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec Bank plc has previously been notified by the Office of the Public Prosecutor in Cologne, Germany, that it and certain of its </span></div><div class=\"ps16173 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">current and former employees may be involved in possible charges relating to historical involvement in German dividend tax </span></div><div class=\"ps16174 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">arbitrage transactions (known as cum-ex transactions). Investigations are ongoing and no formal proceedings have been issued </span></div><div class=\"ps16175 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">against Investec Bank plc by the Office of the Public Prosecutor. In addition, Investec Bank plc received certain enquiries in respect </span></div><div class=\"ps16176 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of client tax reclaims for the periods 2010-2011 relating to the historical German dividend arbitrage transactions from the German </span></div><div class=\"ps16177 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Federal Tax Office (FTO) in Bonn. The FTO provided more information in relation to their claims and Investec Bank plc has sought </span></div><div class=\"ps16178 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">further information and clarification. </span></div><div class=\"ps16179 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec Bank plc is cooperating with the German authorities and continues to conduct its own internal investigation into the </span></div><div class=\"ps16180 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">matters in question. A provision is held to reflect the estimate of financial outflows that could arise as a result of this matter and is </span></div><div class=\"ps16181 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reassessed at each reporting date. There are factual issues to be resolved which may have legal consequences, including financial </span></div><div class=\"ps16182 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">penalties. </span></div><div class=\"ps16183 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In relation to potential civil claims; whilst Investec Bank plc is not a claimant nor a defendant to any civil claims in respect of cum-ex </span></div><div class=\"ps16184 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">transactions, Investec Bank plc has received third party notices in relation to two civil proceedings in Germany and may elect to join </span></div><div class=\"ps16185 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the proceedings as a third party participant. Investec Bank plc has itself served third party notices on various participants to these </span></div><div class=\"ps16186 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">historic transactions in order to preserve the statute of limitations on any potential future claims that Investec Bank plc may seek to </span></div><div class=\"ps16187 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">bring against those parties, should Investec Bank plc incur any liability in the future. Investec Bank plc has also entered into </span></div><div class=\"ps16188 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">standstill agreements with some third parties in order to suspend the limitation period in respect of the potential civil claims. While </span></div><div class=\"ps16189 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec Bank plc is not a claimant nor a defendant to any civil claims at this stage, it cannot rule out the possibility of civil claims by </span></div><div class=\"ps16190 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">or against Investec Bank plc in future in relation to the relevant transactions. </span></div><div class=\"ps16191 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group has not provided further disclosure with respect to these historical dividend arbitrage transactions because it has </span></div><div class=\"ps16192 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">concluded that such disclosure may be expected to seriously prejudice its outcome.</span></div></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">44</span><span class=\"f charStyle-f6a3ab10 ps16123\">. </span><span class=\"f charStyle-f6a3ab10 ps16124\">Commitments, contingent liabilities and provisions</span><span class=\"f charStyle-f6a3ab10 ps16193\"> (continued)</span></div><div class=\"ps979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Motor finance commission review </span></div><div class=\"ps16194 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Investec Group (the Group) notes the FCA\u2019s announcement on 30 March 2026 regarding the final scope of the Motor Finance </span></div><div class=\"ps16195 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">compensation scheme, following the Supreme Court judgement handed down on 1 August 2025, and has undertaken an </span></div><div class=\"ps16196 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">assessment of the implications and potential impact of the proposed redress scheme.</span></div><div class=\"ps16197 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">As previously disclosed, in determining its existing provision the Group considered a range of scenarios to reflect uncertainties in </span></div><div class=\"ps16198 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">key assumptions, including potential regulatory responses and redress outcomes. The FCA has now provided further detail on the </span></div><div class=\"ps16199 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">approach, including the products in scope, the circumstances in which inadequate disclosure may give rise to an unfair relationship, </span></div><div class=\"ps16200 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the methodology for calculating redress, and the proposed customer engagement approach and time limits.</span></div><div class=\"ps16201 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Based on the scheme as currently proposed, the Group has concluded that its existing provision of \u00a330million, covering both </span></div><div class=\"ps16202 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">redress and associated operational costs, remains appropriate based on information currently available and our estimate of a </span></div><div class=\"ps16203 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">potential response rate. The ultimate financial impact could differ from these estimates as a result of customer take-up rates and </span></div><div class=\"ps16204 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the associated impact on operational costs; however, we do not believe this will impact the overall provision materially.</span></div><div class=\"ps16205 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group notes that the FCA\u2019s scheme is subject to ongoing legal challenges which, if successful, may materially affect the </span></div><div class=\"ps16206 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">design, implementation or existence of any redress framework. Accordingly, the legal and regulatory position, as well as the nature, </span></div><div class=\"ps16207 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">extent and timing of any remediation, remain materially uncertain pending the outcome of this challenge.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCommitmentsExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-953": {
   "value": "<div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_376\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">44<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16123\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16124\">Commitments, contingent liabilities and provisions<span class=\"f ps2\"> </span></span></div><div class=\"ps11275 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-8d4b9b37 ps9195\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Undrawn facilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps12462 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.84pt\"></span></span><span class=\"ps16125\">2\u00a0800\u00a0803<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps12463 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13pt\"></span></span><span class=\"ps5507\">2\u00a0477\u00a0158<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3425 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Guarantees^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14747 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.41pt\"></span></span><span class=\"ps8328\">83\u00a0647<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14748 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.16pt\"></span></span><span class=\"ps16126\">110\u00a0143<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps6433 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Irrevocable letters of credit^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14749 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.2pt\"></span></span><span class=\"ps9596\">312\u00a0762<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14751 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.98pt\"></span></span><span class=\"ps99\">461\u00a0265<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14752 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Commitments in scope of IFRS 9<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps14753 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.22pt\"></span></span><span class=\"ps15684\">3\u00a0197\u00a0212<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14754 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.49pt\"></span></span><span class=\"ps16127\">3\u00a0048\u00a0566<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14755 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other commitments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14757 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.39pt\"></span></span><span class=\"ps2828\">59\u00a0331<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14759 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.63pt\"></span></span><span class=\"ps16128\">65\u00a0550<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14760 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.06pt\"></span></span><span class=\"ps16129\">3\u00a0256\u00a0543<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14761 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.7pt\"></span></span><span class=\"ps16130\">3\u00a0114\u00a0116<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps16131 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^ <span style=\"display:inline-block;height:5.81pt;width:9.82pt\"></span></span></span><span class=\"f charStyle-207fba8f ps968\">Guarantees and irrevocable letters of credit have been disaggregated in the current year and the prior year has been re-presented to align with risk disclosures.</span></div><div class=\"ps16132 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Guarantees are issued by Investec Bank plc on behalf of third parties and other Group companies. The guarantees are issued as </span></div><div class=\"ps16133 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">part of the banking business.</span></div><div class=\"ps16134 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Support is provided by Investec Bank plc to its subsidiaries where appropriate.</span></div><div class=\"ps1772 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Expected credit losses (ECL) of \u00a39 million (</span><span class=\"f charStyle-33e1c6d6 ps16135\">2025</span><span class=\"f charStyle-33e1c6d6 ps16136\">: \u00a38 million) arising on undrawn facilities and \u00a31 million (</span><span class=\"f charStyle-33e1c6d6 ps16137\">2025</span><span class=\"f charStyle-33e1c6d6 ps16138\">: \u00a32 million) arising on </span></div><div class=\"ps16143 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">guarantees and letters of credit are reported in other liabilities. For further details refer to </span><span class=\"f charStyle-33e1c6d6 ps16139\">page</span><span class=\"f charStyle-33e1c6d6 ps16140\"> </span><span class=\"f charStyle-c4fc3a3f ps16141\"><a class=\"Hyperlink\" href=\"#i0331dd6885fe4f23b3cba74a014792f1_9224\" style=\"z-index:1\">168</a></span><span class=\"f charStyle-33e1c6d6 ps16142\"> of the Investec Group\u2019s 2026 </span></div><div class=\"ps16144 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">risk and governance report.</span></div><div class=\"ps16145 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In addition to guarantees, irrevocable letters of credit, credit derivative instruments, undrawn facilities and other commitments, the </span></div><div class=\"ps16152 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group includes in its off-balance sheet exposures for risk management purposes</span><span class=\"f charStyle-33e1c6d6 ps16146\"> \u00a3</span><span class=\"f charStyle-33e1c6d6 ps16147\">75 </span><span class=\"f charStyle-33e1c6d6 ps16148\">million</span><span class=\"f charStyle-33e1c6d6 ps16149\"> (</span><span class=\"f charStyle-33e1c6d6 ps16150\">2025</span><span class=\"f charStyle-33e1c6d6 ps16151\">: \u00a372 million) of potential or </span></div><div class=\"ps16153 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">revocable exposures and similar arrangements that may arise in future, resulting in additional credit risk. </span></div><div class=\"ps16154 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Financial Services Compensation Scheme</span></div><div class=\"ps16155 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Financial Services Compensation Scheme (FSCS), the UK\u2019s statutory fund of last resort, provides compensation to customers </span></div><div class=\"ps16156 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of UK authorised financial institutions in the event that an institution which is a participating member of the FSCS is unable, or is </span></div><div class=\"ps16157 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">likely to be unable, to pay claims against it.</span></div><div class=\"ps9093 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The FSCS raises annual levies from participating members based on their level of participation (in the case of deposits, the </span></div><div class=\"ps16158 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">proportion that their protected deposits represent to total protected deposits) as at 31 December of the year preceding the </span></div><div class=\"ps16159 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">scheme year. Investec Bank plc is a participating member of the FSCS.</span></div><div class=\"ps16160 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">At the date of these financial statements, it is not possible to estimate whether there will ultimately be additional levies on the </span></div><div class=\"ps16161 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">industry, the level of the Group\u2019s market participation or other factors that may affect the amounts or timing of amounts that may </span></div><div class=\"ps16162 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">ultimately become payable, nor the effect that such levies may have upon operating results in any particular financial period.</span></div><div class=\"ps16163 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Legal and regulatory matters</span></div><div class=\"ps16164 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group operates in a legal and regulatory environment that exposes it to legal, regulatory and litigation risks. As a result, the </span></div><div class=\"ps16165 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group is involved in disputes, legal proceedings and is subject to enquiries and examinations, requests for information, audits, </span></div><div class=\"ps16166 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">investigations and other proceedings by regulators and competition authorities which arise in the ordinary course of business. The </span></div><div class=\"ps16167 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group evaluates all facts, the probability of the outcome of the proceedings and advice from internal and external legal counsel </span></div><div class=\"ps16168 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">when considering accounting and regulatory implications. At the present time, the Group does not expect the ultimate resolution of </span></div><div class=\"ps16170 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps2861\">any of these ongoing regulatory reviews and other matters to have a material adverse effect on its financial position.</span><span class=\"f charStyle-4646bb92 ps16169\"> </span></div><div class=\"ps16171 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Historical German dividend tax arbitrage transactions </span></div><div class=\"ps16172 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec Bank plc has previously been notified by the Office of the Public Prosecutor in Cologne, Germany, that it and certain of its </span></div><div class=\"ps16173 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">current and former employees may be involved in possible charges relating to historical involvement in German dividend tax </span></div><div class=\"ps16174 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">arbitrage transactions (known as cum-ex transactions). Investigations are ongoing and no formal proceedings have been issued </span></div><div class=\"ps16175 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">against Investec Bank plc by the Office of the Public Prosecutor. In addition, Investec Bank plc received certain enquiries in respect </span></div><div class=\"ps16176 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of client tax reclaims for the periods 2010-2011 relating to the historical German dividend arbitrage transactions from the German </span></div><div class=\"ps16177 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Federal Tax Office (FTO) in Bonn. The FTO provided more information in relation to their claims and Investec Bank plc has sought </span></div><div class=\"ps16178 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">further information and clarification. </span></div><div class=\"ps16179 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec Bank plc is cooperating with the German authorities and continues to conduct its own internal investigation into the </span></div><div class=\"ps16180 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">matters in question. A provision is held to reflect the estimate of financial outflows that could arise as a result of this matter and is </span></div><div class=\"ps16181 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reassessed at each reporting date. There are factual issues to be resolved which may have legal consequences, including financial </span></div><div class=\"ps16182 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">penalties. </span></div><div class=\"ps16183 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In relation to potential civil claims; whilst Investec Bank plc is not a claimant nor a defendant to any civil claims in respect of cum-ex </span></div><div class=\"ps16184 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">transactions, Investec Bank plc has received third party notices in relation to two civil proceedings in Germany and may elect to join </span></div><div class=\"ps16185 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the proceedings as a third party participant. Investec Bank plc has itself served third party notices on various participants to these </span></div><div class=\"ps16186 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">historic transactions in order to preserve the statute of limitations on any potential future claims that Investec Bank plc may seek to </span></div><div class=\"ps16187 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">bring against those parties, should Investec Bank plc incur any liability in the future. Investec Bank plc has also entered into </span></div><div class=\"ps16188 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">standstill agreements with some third parties in order to suspend the limitation period in respect of the potential civil claims. While </span></div><div class=\"ps16189 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec Bank plc is not a claimant nor a defendant to any civil claims at this stage, it cannot rule out the possibility of civil claims by </span></div><div class=\"ps16190 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">or against Investec Bank plc in future in relation to the relevant transactions. </span></div><div class=\"ps16191 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group has not provided further disclosure with respect to these historical dividend arbitrage transactions because it has </span></div><div class=\"ps16192 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">concluded that such disclosure may be expected to seriously prejudice its outcome.</span></div></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">44</span><span class=\"f charStyle-f6a3ab10 ps16123\">. </span><span class=\"f charStyle-f6a3ab10 ps16124\">Commitments, contingent liabilities and provisions</span><span class=\"f charStyle-f6a3ab10 ps16193\"> (continued)</span></div><div class=\"ps979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Motor finance commission review </span></div><div class=\"ps16194 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Investec Group (the Group) notes the FCA\u2019s announcement on 30 March 2026 regarding the final scope of the Motor Finance </span></div><div class=\"ps16195 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">compensation scheme, following the Supreme Court judgement handed down on 1 August 2025, and has undertaken an </span></div><div class=\"ps16196 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">assessment of the implications and potential impact of the proposed redress scheme.</span></div><div class=\"ps16197 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">As previously disclosed, in determining its existing provision the Group considered a range of scenarios to reflect uncertainties in </span></div><div class=\"ps16198 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">key assumptions, including potential regulatory responses and redress outcomes. The FCA has now provided further detail on the </span></div><div class=\"ps16199 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">approach, including the products in scope, the circumstances in which inadequate disclosure may give rise to an unfair relationship, </span></div><div class=\"ps16200 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the methodology for calculating redress, and the proposed customer engagement approach and time limits.</span></div><div class=\"ps16201 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Based on the scheme as currently proposed, the Group has concluded that its existing provision of \u00a330million, covering both </span></div><div class=\"ps16202 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">redress and associated operational costs, remains appropriate based on information currently available and our estimate of a </span></div><div class=\"ps16203 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">potential response rate. The ultimate financial impact could differ from these estimates as a result of customer take-up rates and </span></div><div class=\"ps16204 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the associated impact on operational costs; however, we do not believe this will impact the overall provision materially.</span></div><div class=\"ps16205 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group notes that the FCA\u2019s scheme is subject to ongoing legal challenges which, if successful, may materially affect the </span></div><div class=\"ps16206 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">design, implementation or existence of any redress framework. Accordingly, the legal and regulatory position, as well as the nature, </span></div><div class=\"ps16207 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">extent and timing of any remediation, remain materially uncertain pending the outcome of this challenge.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfContingentLiabilitiesExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-958": {
   "value": "143000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:NoncurrentNoncashAssetsPledgedAsCollateralForWhichTransfereeHasRightByContractOrCustomToSellOrRepledgeCollateral",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2026-04-01T00:00:00",
    "ifrs-full:ClassesOfFinancialAssetsAxis": "iplc:GovernmentDebtInstrumentsHeldSecuritySwapContracts",
    "unit": "iso4217:GBP"
   }
  },
  "f-959": {
   "value": "52000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:NoncurrentNoncashAssetsPledgedAsCollateralForWhichTransfereeHasRightByContractOrCustomToSellOrRepledgeCollateral",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00",
    "ifrs-full:ClassesOfFinancialAssetsAxis": "iplc:GovernmentDebtInstrumentsHeldSecuritySwapContracts",
    "unit": "iso4217:GBP"
   }
  },
  "f-960": {
   "value": "<div class=\"ps24 ss8\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-f6a3ab10 ps23\" style=\"width:15.16pt\">46<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16234\" style=\"width:5.86pt\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16235\" style=\"width:146.22pt\">Related party transactions<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16236\" style=\"width:2.55pt\"> </span></div><div class=\"ps72 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-8d4b9b37 ps9195\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss1917\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Balances involving directors (including key management personnel) and connected persons and <span class=\"f ps2\"> </span></span></div><div class=\"ps2366 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">companies controlled by them:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3428 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Loans<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16237 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.48pt\"></span></span><span class=\"ps831\">11\u00a0157<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15764 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.85pt\"></span></span><span class=\"ps12318\">8\u00a0280<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps4077 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Deposits<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16238 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.89pt\"></span></span><span class=\"ps15187\">9\u00a0495<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16239 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.34pt\"></span></span><span class=\"ps15157\">7\u00a0361<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps16241 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Movements</span></span><span class=\"f charStyle-207fba8f ps16240\"> primarily relate to normal course of business and changes in directorship during the current year.<span class=\"f ps2\"> </span></span></div><div class=\"ps16242 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The above transactions were made in the ordinary course of business and on substantially the same terms, including interest rates <span class=\"f ps2\"> </span></span></div><div class=\"ps16243 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and security, as for comparable arm\u2019s length transactions with persons of a similar standing or, where applicable, with other <span class=\"f ps2\"> </span></span></div><div class=\"ps16244 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">employees. The transactions did not involve more than the normal risk of repayment. None of these loans have been impaired.<span class=\"f ps2\"> </span></span></div><div class=\"ps16254 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"4\" style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps2813 ss1916\"><div><div class=\"ps1404 ss1514\"><span class=\"f charStyle-a26246ce ps16246\">Investec Limited <span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss1514\"><span class=\"f charStyle-a26246ce ps833\">and subsidiaries<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps429 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9660 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9661 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-8d4b9b37 ps9195\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps362 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1002 ss1651\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Balances with other related parties<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2492 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps192 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14801 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.27pt\"></span></span><span class=\"ps16247\">767<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2500 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.98pt\"></span></span><span class=\"ps16248\">1\u00a0046<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2501 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14808 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2505 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.94pt\"></span></span><span class=\"ps11779\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2506 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14815 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.31pt\"></span></span><span class=\"ps16249\">394<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2510 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.91pt\"></span></span><span class=\"ps11871\">125<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2511 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16223 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.65pt\"></span></span><span class=\"ps16085\">26\u00a0970<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2515 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.21pt\"></span></span><span class=\"ps16250\">5\u00a0601<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4281 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4288 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deposits by banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11830 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.52pt\"></span></span><span class=\"ps8339\">18\u00a0609<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11832 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">21\u00a0332<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4294 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14835 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.94pt\"></span></span><span class=\"ps11779\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14836 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.36pt\"></span></span><span class=\"ps16251\">18<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4301 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Customer accounts (deposits)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14845 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.35pt\"></span></span><span class=\"ps16246\">7\u00a0865<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14847 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.59pt\"></span></span><span class=\"ps11591\">7\u00a0156<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4307 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Debt securities in issue<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16252 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps16253 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.26pt\"></span></span><span class=\"ps9487\">12\u00a0772<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps4313 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14855 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.73pt\"></span></span><span class=\"ps9546\">6\u00a0360<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14856 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.71pt\"></span></span><span class=\"ps11427\">2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps16255 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The above outstanding balances arose from the ordinary course of business and on substantially the same terms, including interest </span></div><div class=\"ps16256 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">rates and security, as for comparable transactions with third party counterparties.</span></div><div class=\"ps16257 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In the normal course of business, services are rendered between Investec plc and Investec Limited entities. In the year to </span></div><div class=\"ps4992 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">31\u00a0March\u00a02026, this resulted in a net payment to Investec Limited Group of \u00a334 million (2025: \u00a336 million).</span></div><div class=\"ps16258 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">During the year to 31 March 2026, interest of \u00a30.6 million (2025: \u00a30.6 million) was paid to entities in the Investec Limited group. </span></div><div class=\"ps16259 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Interest of \u00a360 700 (2025: \u00a387 000) was received from Investec Limited group.</span></div><div class=\"ps16260 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">During the year to 31 March 2026, the Investec group paid\u00a0 \u00a31.7 million (2025: \u00a32.4 million) for services rendered in the course of </span></div><div class=\"ps16261 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">business and received \u00a342.5 million (2025: \u00a326.5 million) from associates and joint venture holdings.</span></div><div class=\"ps16262 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Due to the nature of the Group\u2019s business, there could be transactions with entities where some of the Group\u2019s directors may </span></div><div class=\"ps16263 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">be\u00a0mutual directors. These transactions are in the ordinary course of business and are on an arm\u2019s length basis. No material </span></div><div class=\"ps16264 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">expected credit loss impairments have been recognised on loans to related parties for 2026 or 2025.</span></div><div class=\"ps16265 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The below outstanding balances arose from the ordinary course of business and on substantially the same terms, including interest </span></div><div class=\"ps16266 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">rates and security, as for comparable transactions with third party counterparties.</span></div><div class=\"ps16270 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">For the </span><span class=\"f charStyle-ef17fa27 ps11066\">year ended<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps16267\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps16268\">31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-8d4b9b37 ps9195\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-2b0f4fe0 ps7\">Amounts due from associates<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps12462 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.09pt\"></span></span><span class=\"ps16269\">14\u00a0785<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps12463 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.64pt\"></span></span><span class=\"ps14435\">13\u00a0833<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRelatedPartyExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-961": {
   "value": "<div class=\"ps72 ss8\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-8d4b9b37 ps9195\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1664\"><div><div class=\"ps4014 ss651\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss1917\"><div><div class=\"ps997 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Balances involving directors (including key management personnel) and connected persons and <span class=\"f ps2\"> </span></span></div><div class=\"ps2366 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">companies controlled by them:<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3428 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Loans<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16237 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.48pt\"></span></span><span class=\"ps831\">11\u00a0157<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15764 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.85pt\"></span></span><span class=\"ps12318\">8\u00a0280<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps4077 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Deposits<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16238 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.89pt\"></span></span><span class=\"ps15187\">9\u00a0495<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16239 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.34pt\"></span></span><span class=\"ps15157\">7\u00a0361<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps16241 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Movements</span></span><span class=\"f charStyle-207fba8f ps16240\"> primarily relate to normal course of business and changes in directorship during the current year.<span class=\"f ps2\"> </span></span></div><div class=\"ps16242 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The above transactions were made in the ordinary course of business and on substantially the same terms, including interest rates <span class=\"f ps2\"> </span></span></div><div class=\"ps16243 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and security, as for comparable arm\u2019s length transactions with persons of a similar standing or, where applicable, with other <span class=\"f ps2\"> </span></span></div>employees. The transactions did not involve more than the normal risk of repayment. None of these loans have been impaired.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInformationAboutKeyManagementPersonnelExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-962": {
   "value": "<div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_394\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">49<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16234\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16235\">Principal subsidiaries, associated companies and joint venture holdings \u2013\u00a0 \u00a0 \u00a0 \u00a0 <span class=\"f ps2\"> </span></span></div><div class=\"ps8702 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">Investec plc<span class=\"f ps2\"> </span></span></div><div class=\"ps8704 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:90pt\"></td><td style=\"padding:0;width:78pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"4\" style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps2813 ss1620\"><div><div class=\"ps809 ss1514\"><span class=\"f charStyle-a26246ce ps10333\">Effective interest<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17298 ss2033\"><div><div class=\"ps11070 ss161\"><span class=\"f charStyle-8d4b9b37 ps7\">Principal activity<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17299 ss2034\"><div><div class=\"ps15205 ss1256\"><span class=\"f charStyle-8d4b9b37 ps7\">Country of <span class=\"f ps2\"> </span></span></div><div class=\"ps11070 ss1256\"><span class=\"f charStyle-8d4b9b37 ps7\">incorporation<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2815 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps9656\">2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2473 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-8d4b9b37 ps9195\">2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps817 ss2035\"><div><div class=\"ps4014 ss969\"><span class=\"f charStyle-a26246ce ps7\">At 31 March<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps3425 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-b7f6e8e5 ps7\">Direct subsidiaries of Investec plc<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps6433 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-9458d4de ps7\">Investec 1 Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17300 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment holding<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17301 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">England and Wales<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14749 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14751 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14752 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-b7f6e8e5 ps7\">Indirect subsidiaries of Investec plc<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14755 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Asset Finance plc<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17302 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Leasing<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17303 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">England and Wales<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14757 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14759 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4015 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Bank plc<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17304 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment holding<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17305 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">England and Wales<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14760 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14761 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps338 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Bank (Channel Islands) Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17306 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Banking institution<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17307 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">Guernsey<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15785 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps15786 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"padding:0\"><div class=\"ps4656 ss2037\"><div><div class=\"ps2632 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Bank (Switzerland) AG<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17308 ss1099\"><div><div class=\"ps997 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Banking institution and <span class=\"f ps2\"> </span></span></div><div class=\"ps2366 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">wealth manager<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17309 ss2038\"><div><div class=\"ps2366 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">Switzerland<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11824 ss1671\"><div><div class=\"ps2366 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11825 ss1671\"><div><div class=\"ps2366 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13758 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Group Investments (UK) Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17310 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment holding<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17311 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">England and Wales<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15705 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11907 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2618 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Holdings Australia Pty Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17312 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Holding company<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17313 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">Australia<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17314 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps17315 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13812 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-9458d4de ps7\">Investec Investments (UK) Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17316 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment holding<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17317 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">England and Wales<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17318 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps17319 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps17320 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Europe Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17321 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">MiFiD firm<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17322 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">Ireland<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17323 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps17324 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps15914 ss970\"><div><div class=\"ps2754 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Securities (US) LLC<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17325 ss2039\"><div><div class=\"ps2754 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Financial services<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17326 ss2040\"><div><div class=\"ps2754 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">USA<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17327 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps17328 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4319 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Capitalmind Investment Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17329 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Non-trading<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17330 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">England and Wales<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14862 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14863 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4325 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Continental Europe Advisory BV<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17331 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Non-trading<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17332 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">Netherlands<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14868 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps882\"></span><span class=\"ps882\">60%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14869 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps882\"></span><span class=\"ps882\">60%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4331 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Advisory SAS<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17333 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Advisory services<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17334 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">France<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14877 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps882\"></span><span class=\"ps882\">60%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14878 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps882\"></span><span class=\"ps882\">60%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4338 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Advisory GmbH &amp; Co. KG<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17335 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Advisory services<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17336 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">Germany<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17337 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps882\"></span><span class=\"ps882\">60%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps17338 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps882\"></span><span class=\"ps882\">60%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4343 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Advisory B.V<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17339 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Advisory services<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17340 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">Netherlands<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14884 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps882\"></span><span class=\"ps882\">60%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14886 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps882\"></span><span class=\"ps882\">60%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4344 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Advisory AG<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17341 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Advisory services<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17342 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">Switzerland<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14891 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps13543\"></span><span class=\"ps13543\">36%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14893 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2556 ss1995\"><div><div class=\"ps815 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec Advisory A/S<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17343 ss2036\"><div><div class=\"ps815 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Advisory services<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17344 ss1484\"><div><div class=\"ps815 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">Denmark<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps14900 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps882\"></span><span class=\"ps882\">60%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps2560 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2561 ss970\"><div><div class=\"ps2754 ss969\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investec International Private Office Limited <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17345 ss2039\"><div><div class=\"ps2754 ss161\"><span class=\"f charStyle-2b0f4fe0 ps7\">Financial services<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17346 ss2040\"><div><div class=\"ps2754 ss1256\"><span class=\"f charStyle-2b0f4fe0 ps7\">United Kingdom<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14908 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps4259\"></span><span class=\"ps4259\">100%<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2565 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps17347 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Investec share trusts</span></div><div class=\"ps17348 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">As a result of being able to appoint the Trustees and the purpose of the trusts being the remuneration of the Group\u2019s staff, the </span></div><div class=\"ps17349 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group consolidates the following share trusts, which facilitate share\u2011based awards on behalf of the Group: The Investec Plc Jersey </span></div><div class=\"ps17350 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Trust Number 1.</span></div><div class=\"ps17351 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">All of the above subsidiary undertakings are included in the consolidated accounts.<span class=\"f ps2\"> </span></span></div><div class=\"ps17352 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The subsidiaries listed above are only in relation to subsidiary undertakings whose results or financial position, in the opinion of the <span class=\"f ps2\"> </span></span></div><div class=\"ps17353 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">directors, have a significant impact on the financial statements.<span class=\"f ps2\"> </span></span></div><div class=\"ps17358 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For more details on interests in associated undertakings and joint venture holdings refer to </span><span class=\"f charStyle-33e1c6d6 ps17354\">note<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps17355\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps17356\">25<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps17357\">.</span></div><div class=\"ps17359 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">A complete list of subsidiary, associated undertakings and joint venture holdings as required by the Companies Act 2006 is <span class=\"f ps2\"> </span></span></div><div class=\"ps17368 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">included in </span><span class=\"f charStyle-2bfb2495 ps17360\">note<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps17361\"> j to the Investec plc company accounts on <span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps17362\">pages</span><span class=\"f charStyle-2bfb2495 ps17363\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-4cea0f20 ps17364\"><a class=\"Hyperlink\" href=\"#iccba24ea0cd14a1fbe74568356c33a8e_472\" style=\"z-index:1\">205</a></span><span class=\"f charStyle-2bfb2495 ps17365\"> to </span><span class=\"f charStyle-4cea0f20 ps17366\"><a class=\"Hyperlink\" href=\"#i6ba28601cc6145d7b48627c49f6a6e28_214\" style=\"z-index:1\">209</a></span><span class=\"f charStyle-2bfb2495 ps17367\">.</span></div><div class=\"ps17369 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Consolidated structured entities<span class=\"f ps2\"> </span></span></div><div class=\"ps17370 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec plc has no equity interest in the following structured entities, which are consolidated. Typically, a structured entity is an <span class=\"f ps2\"> </span></span></div><div class=\"ps17371 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">entity in which voting or similar rights are not the dominant factor in deciding control. The judgements to assess whether the Group </span></div><div class=\"ps17372 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">has control over these structures include assessing the purpose and design of the entity and considering whether the Group or </span></div><div class=\"ps17373 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">another involved party with power over the relevant activities is acting as a principal in its own right or as an agent on behalf of <span class=\"f ps2\"> </span></span></div><div class=\"ps17374 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">others.</span></div><div class=\"ps17384 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:230.25pt\"></td><td style=\"padding:0;width:7.5pt\"></td><td style=\"padding:0;width:243pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#131721;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19 ss2041\"><div><div class=\"ps1783 ss70\"><span class=\"f charStyle-30ab31c8 ps7\">Name of principal structured entity<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#131721;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#131721;border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss2043\"><div><div class=\"ps1783 ss2042\"><span class=\"f charStyle-30ab31c8 ps7\">Type of structured entity<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2724 ss2041\"><div><div class=\"ps2158 ss70\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cavern Funding 2020 plc<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps17375 ss2043\"><div><div class=\"ps2158 ss2042\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securitised auto receivables<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4066 ss2041\"><div><div class=\"ps2158 ss70\"><span class=\"f charStyle-2b0f4fe0 ps7\">Temese Funding 2 plc<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps17376 ss2043\"><div><div class=\"ps2158 ss2042\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securitised receivables<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3516 ss2041\"><div><div class=\"ps2158 ss70\"><span class=\"f charStyle-2b0f4fe0 ps7\">Gresham Leasing One Limited^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps17377 ss2043\"><div><div class=\"ps2158 ss2042\"><span class=\"f charStyle-2b0f4fe0 ps7\">Aircraft related<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4077 ss2044\"><div><div class=\"ps5733 ss70\"><span class=\"f charStyle-2b0f4fe0 ps7\">KF Turbo Leasing Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps17380 ss2045\"><div><div class=\"ps5733 ss2042\"><span class=\"f charStyle-2b0f4fe0 ps7\">Dormant Company<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps14755 ss2041\"><div><div class=\"ps2158 ss70\"><span class=\"f charStyle-2b0f4fe0 ps7\">Zebra Aviation Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps17381 ss2043\"><div><div class=\"ps2158 ss2042\"><span class=\"f charStyle-2b0f4fe0 ps7\">Aircraft leasing<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps849 ss2041\"><div><div class=\"ps2158 ss70\"><span class=\"f charStyle-2b0f4fe0 ps7\">Zebra Capital II Limited<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17382 ss2043\"><div><div class=\"ps2158 ss2042\"><span class=\"f charStyle-2b0f4fe0 ps7\">Structured note issuance related<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps9225 ss2041\"><div><div class=\"ps2158 ss70\"><span class=\"f charStyle-2b0f4fe0 ps7\">SDFI GP S.\u00e1 r.l.<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17383 ss2043\"><div><div class=\"ps2158 ss2042\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fund management entity<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps17385 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^ <span style=\"display:inline-block;height:5.81pt;width:9.82pt\"></span></span><span class=\"ps968\">During the year, the Group liquidated a residual tranche holding in Gresham Leasing One Limited structured entity which subsequently resulted in the deconsolidation </span></span></div><div class=\"ps17386 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">of the SPV and its related assets and liabilities.</span></div><div class=\"ps17387 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">Details of the risks to which the Group is exposed through all of its securitisations are included in the notes to risk and capital <span class=\"f ps2\"> </span></span></div><div class=\"ps17390 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">management on page </span><span class=\"f charStyle-4cea0f20 ps17388\"><a class=\"Hyperlink\" href=\"#iccba24ea0cd14a1fbe74568356c33a8e_442\" style=\"z-index:1\">180</a></span><span class=\"f charStyle-2bfb2495 ps17389\">.<span class=\"f ps2\"> </span></span></div></div><div class=\"ps17392 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The key assumptions for the main types of structured entities which the Group consolidates are summarised below:</span></div><div class=\"ps17393 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Securitised residential mortgages</span></div><div class=\"ps17394 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group has securitised residential mortgages in order to provide investors with exposure to residential mortgage risk and to </span></div><div class=\"ps17395 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">raise funding. These structured entities are consolidated due to the Group\u2019s holdings of equity notes combined with its control over </span></div><div class=\"ps17396 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">servicing activities. The Group is not required to fund any losses above those incurred on the notes it has retained; such losses are </span></div><div class=\"ps17397 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reflected in any impairment of securitised mortgages as those assets have not been derecognised.</span></div><div class=\"ps17398 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Structured debt and loan portfolios</span></div><div class=\"ps17399 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group has structured debt and loan portfolios for the purpose of issuing asset-backed securities. These structured entities are <span class=\"f ps2\"> </span></span></div><div class=\"ps17400 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">consolidated due to the Group\u2019s retention of equity notes and because it continues to act as the collateral manager. The Group is </span></div><div class=\"ps17401 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">not required to fund any losses above those incurred on the notes it has retained.</span></div><div class=\"ps17402 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Securitised receivables</span></div><div class=\"ps17403 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group has securitised portfolios of medium-term lease and hire purchase receivables. These structured entities are </span></div><div class=\"ps17404 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">consolidated as the Group has retained the equity notes and control over servicing activities. The Group is not required to fund </span></div><div class=\"ps17405 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">any\u00a0losses above those incurred on the notes it has retained.</span></div><div class=\"ps17406 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Other structured entities \u2013 commercial operations</span></div><div class=\"ps17407 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group also consolidates a number of structured entities where control arises from rights attached to lending facilities and </span></div><div class=\"ps17408 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">similar commercial involvement. These arise primarily in the areas of aircraft funds, where the Group has rights which allow it </span></div><div class=\"ps17411 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">to\u00a0maximise the value of the assets held and investments in mining projects due to its exposure to e</span><span class=\"f charStyle-33e1c6d6 ps17409\">quity-</span><span class=\"f charStyle-33e1c6d6 ps17410\">like returns and ability </span></div><div class=\"ps17412 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">to\u00a0influence the strategic and financial decision-making.</span></div><div class=\"ps17413 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group is not required to fund any losses above those which could be incurred on debt positions held or swaps which exist </span></div><div class=\"ps17414 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">with\u00a0these structured entities. The risks to which the Group is exposed from these structured entities are related to the underlying </span></div><div class=\"ps17415 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">assets held in the structures. </span></div><div class=\"ps17416 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Significant restrictions</span></div><div class=\"ps17417 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">As is typical for a large group of companies, there are restrictions on the ability of the Group to obtain distributions of capital, </span></div><div class=\"ps17418 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">access the assets or repay the liabilities of members of the Group due to the statutory, regulatory and contractual requirements </span></div><div class=\"ps17419 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of\u00a0its subsidiaries. </span></div><div class=\"ps17420 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">These are considered below:</span></div><div class=\"ps17421 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">Regulatory requirements</span></div><div class=\"ps17422 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Subsidiary companies are subject to prudential regulation and regulatory capital requirements in the countries in which they are </span></div><div class=\"ps17423 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">regulated. These require entities to maintain minimum capital, leverage and exposure ratios restricting the ability of these entities </span></div><div class=\"ps17424 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">to\u00a0make distributions of cash or other assets to the parent company. Regulated subsidiaries of the Group are required to maintain </span></div><div class=\"ps17425 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">liquidity pools to meet PRA and local regulatory requirements. The main subsidiaries affected are: Investec Bank plc, Investec Bank </span></div><div class=\"ps17426 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">(Channel Islands) Limited and Investec Bank (Switzerland) AG, which must maintain compliance with the regulatory minimum.</span></div><div class=\"ps17433 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">Capital management within the Group is discussed in the notes to risk and capital management on </span><span class=\"f charStyle-2bfb2495 ps17427\">pages</span><span class=\"f charStyle-2bfb2495 ps17428\"> </span><span class=\"f charStyle-4cea0f20 ps17429\"><a class=\"Hyperlink\" href=\"#iccba24ea0cd14a1fbe74568356c33a8e_457\" style=\"z-index:1\">195</a></span><span class=\"f charStyle-2bfb2495 ps17430\"> to </span><span class=\"f charStyle-4cea0f20 ps17431\"><a class=\"Hyperlink\" href=\"#i283a065ee6314f40a85b8c13c45a2235_18405\" style=\"z-index:1\">197</a></span><span class=\"f charStyle-2bfb2495 ps17432\">.</span></div><div class=\"ps17434 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">Statutory requirements</span></div><div class=\"ps17435 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group\u2019s subsidiaries are subject to statutory requirements not to make distributions of capital and unrealised profits, </span></div><div class=\"ps17436 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and\u00a0generally maintain solvency. These requirements restrict the ability of subsidiaries to remit dividends, except in the case </span></div><div class=\"ps17437 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of\u00a0a\u00a0legal capital reduction or liquidation.</span></div><div class=\"ps17438 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">Contractual requirements</span></div><div class=\"ps17439 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Asset encumbrance \u2013 the Group uses its financial assets to raise finance in the form of securitisations and through the liquidity </span></div><div class=\"ps17440 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">schemes of central banks. Once encumbered, the assets are not available for transfer around the Group. The assets typically </span></div><div class=\"ps17446 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">affected are disclosed in </span><span class=\"f charStyle-33e1c6d6 ps17441\">notes</span><span class=\"f charStyle-33e1c6d6 ps17442\"> </span><span class=\"f charStyle-33e1c6d6 ps17443\">17</span><span class=\"f charStyle-33e1c6d6 ps17444\"> and </span><span class=\"f charStyle-33e1c6d6 ps4853\">52</span><span class=\"f charStyle-33e1c6d6 ps17445\">.</span></div><div class=\"ps17447 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Structured associates</span></div><div class=\"ps17448 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group has investments in a number of structured funds specialising in aircraft financing where the Group acts as adviser </span></div><div class=\"ps17449 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">or\u00a0fund manager in addition to holding units within the fund. As a consequence of these roles and funding, the Group has </span></div><div class=\"ps17450 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">significant\u00a0influence over the fund and therefore the funds are treated as associates.</span></div><div class=\"ps17396 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group applies the venture capital exemption to these holdings and, as such, the investments in the funds are accounted for </span></div><div class=\"ps17397 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">at\u00a0fair value and held within the investment portfolio on the balance sheet.</span></div><div class=\"ps17457 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:150pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:150.75pt\"></td><td style=\"padding:0;width:177pt\"></td></tr><tr style=\"height:15pt\"><td style=\"background-color:#131721;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss2046\"><div><div class=\"ps17451 ss1212\"><span class=\"f charStyle-cd36821c ps7\">Type of structured entity<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#131721;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#131721;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17452 ss2047\"><div><div class=\"ps17451 ss317\"><span class=\"f charStyle-cd36821c ps7\">Nature and purpose<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#131721;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16578 ss2048\"><div><div class=\"ps17451 ss786\"><span class=\"f charStyle-cd36821c ps7\">Interest held by the Group/income earned<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:23.25pt\"><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3538 ss2049\"><div><div class=\"ps2632 ss1212\"><span class=\"f charStyle-b7f6e8e5 ps7\">Aircraft investment funds<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17453 ss2050\"><div><div class=\"ps997 ss317\"><span class=\"f charStyle-2b0f4fe0 ps7\">To generate fees from managing assets <span class=\"f ps2\"> </span></span></div><div class=\"ps2366 ss317\"><span class=\"f charStyle-2b0f4fe0 ps7\">on behalf of third party investors<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17454 ss2051\"><div><div class=\"ps2632 ss786\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investments in units issued by the fund<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:23.25pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17455 ss2050\"><div><div class=\"ps997 ss317\"><span class=\"f charStyle-2b0f4fe0 ps7\">These vehicles are financed through the <span class=\"f ps2\"> </span></span></div><div class=\"ps2366 ss317\"><span class=\"f charStyle-2b0f4fe0 ps7\">issue of units to investors<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps17456 ss2051\"><div><div class=\"ps2632 ss786\"><span class=\"f charStyle-2b0f4fe0 ps7\">Management fees<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps17459 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps2861\">The table below sets out an analysis of the carrying amounts of interests held by the Group in structured associate entities</span><span class=\"f charStyle-4646bb92 ps17458\">.</span></div><div class=\"ps17469 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:159pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:75.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:75.75pt\"></td><td style=\"padding:0;width:75.75pt\"></td><td style=\"padding:0;width:42.75pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:18pt\"><td style=\"padding:0\"><div class=\"ps19 ss2052\"><div><div class=\"ps13322 ss64\"><span class=\"f charStyle-a26246ce ps7\">At 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps85 ss2053\"><div><div class=\"ps985 ss798\"><span class=\"f charStyle-a26246ce ps7\">Line on the balance <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss798\"><span class=\"f charStyle-a26246ce ps7\">sheet<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps296 ss1813\"><div><div class=\"ps989 ss1812\"><span class=\"f charStyle-a26246ce ps9721\">Carrying <span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss1812\"><span class=\"f charStyle-a26246ce ps15390\">value<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss1812\"><span class=\"f charStyle-a26246ce ps586\"> \u00a3'000<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17460 ss2053\"><div><div class=\"ps985 ss798\"><span class=\"f charStyle-a26246ce ps7\">Maximum exposure <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss798\"><span class=\"f charStyle-a26246ce ps7\">to loss<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17461 ss2053\"><div><div class=\"ps985 ss798\"><span class=\"f charStyle-a26246ce ps7\">Income earned from <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss798\"><span class=\"f charStyle-a26246ce ps7\">structured entity<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3721 ss1807\"><div><div class=\"ps983 ss717\"><span class=\"f charStyle-a26246ce ps17462\">\u00a3'000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13498 ss2054\"><div><div class=\"ps4014 ss64\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps998 ss2055\"><div><div class=\"ps2632 ss64\"><span class=\"f charStyle-2b0f4fe0 ps7\">Aircraft investment funds<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17463 ss2056\"><div><div class=\"ps2632 ss798\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17464 ss2057\"><div><div class=\"ps2632 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.14pt\"></span></span><span class=\"ps11498\">13\u00a0816<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17465 ss2056\"><div><div class=\"ps2632 ss798\"><span class=\"f charStyle-2b0f4fe0 ps7\">Limited to the <span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss798\"><span class=\"f charStyle-2b0f4fe0 ps7\">carrying value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17466 ss2056\"><div><div class=\"ps2632 ss798\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17468 ss718\"><div><div class=\"ps2632 ss717\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.24pt\"></span></span><span class=\"ps17467\">4\u00a0802<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps17470 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:159pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:75.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:75.75pt\"></td><td style=\"padding:0;width:75.75pt\"></td><td style=\"padding:0;width:42.75pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:18pt\"><td style=\"padding:0\"><div class=\"ps19 ss2052\"><div><div class=\"ps13322 ss64\"><span class=\"f charStyle-8d4b9b37 ps7\">At 31 March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps85 ss2053\"><div><div class=\"ps985 ss798\"><span class=\"f charStyle-8d4b9b37 ps7\">Line on the balance <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss798\"><span class=\"f charStyle-8d4b9b37 ps7\">sheet<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps296 ss1813\"><div><div class=\"ps989 ss1812\"><span class=\"f charStyle-8d4b9b37 ps16766\">Carrying <span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss1812\"><span class=\"f charStyle-8d4b9b37 ps11101\">value<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss1812\"><span class=\"f charStyle-8d4b9b37 ps14030\"> \u00a3'000<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17460 ss2053\"><div><div class=\"ps985 ss798\"><span class=\"f charStyle-8d4b9b37 ps7\">Maximum exposure to <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss798\"><span class=\"f charStyle-8d4b9b37 ps7\">loss<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17461 ss2053\"><div><div class=\"ps985 ss798\"><span class=\"f charStyle-8d4b9b37 ps7\">Income earned from <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss798\"><span class=\"f charStyle-8d4b9b37 ps7\">structured entity<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3721 ss1807\"><div><div class=\"ps983 ss717\"><span class=\"f charStyle-8d4b9b37 ps12866\">\u00a3'000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13498 ss2054\"><div><div class=\"ps4014 ss64\"><span class=\"f charStyle-6f1c08a8 ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps998 ss2055\"><div><div class=\"ps2632 ss64\"><span class=\"f charStyle-2b0f4fe0 ps7\">Aircraft investment funds<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17463 ss2056\"><div><div class=\"ps2632 ss798\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17464 ss2057\"><div><div class=\"ps2632 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.79pt\"></span></span><span class=\"ps16961\">22\u00a0082<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17465 ss2056\"><div><div class=\"ps2632 ss798\"><span class=\"f charStyle-2b0f4fe0 ps7\">Limited to the <span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss798\"><span class=\"f charStyle-2b0f4fe0 ps7\">carrying value<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17466 ss2056\"><div><div class=\"ps2632 ss798\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps17468 ss718\"><div><div class=\"ps2632 ss717\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.59pt\"></span></span><span class=\"ps15064\">2\u00a0180<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSignificantInvestmentsInSubsidiariesExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-963": {
   "value": "<div class=\"ps17697 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">53<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15695\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15696\">Events after the reporting date<span class=\"f ps2\"> </span></span></div><div class=\"ps17698 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">There have been no significant events subsequent to the reporting date that would require adjustment to or disclosure in the <span class=\"f ps2\"> </span></span></div><div class=\"ps17699 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">financial statements. In the ordinary course of business, events may occur that influence the credit quality of loans and advances. <span class=\"f ps2\"> </span></span></div><div class=\"ps17700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">At the date of this report, we have concluded that no changes are required to our ECL provisions or there is insufficient new <span class=\"f ps2\"> </span></span></div><div class=\"ps17701 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">information available since 31 March 2026 of any conditions which existed at the balance sheet date to reliably estimate any <span class=\"f ps2\"> </span></span></div>adjustments to these ECL provisions.",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEventsAfterReportingPeriodExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-965": {
   "value": "<div class=\"ps18044 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">54<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16209\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16210\">Credit risk<span class=\"f ps2\"> </span></span></div><div class=\"ps18045 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Credit risk originates primarily from three types of transactions <span class=\"f ps2\"> </span></span></div><div class=\"ps18046 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">giving rise to credit and counterparty exposures:<span class=\"f ps2\"> </span></span></div><div class=\"ps18047 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Lending transactions, through loans and advances to clients <span class=\"f ps2\"> </span></span></div><div class=\"ps18048 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">and counterparties, creating the risk that an obligor will be <span class=\"f ps2\"> </span></span></div><div class=\"ps18049 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">unable or unwilling to repay capital and/or interest on loans <span class=\"f ps2\"> </span></span></div><div class=\"ps18050 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">and advances granted to them. This category includes bank <span class=\"f ps2\"> </span></span></div><div class=\"ps18051 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">placements where we have placed funds with other <span class=\"f ps2\"> </span></span></div><div class=\"ps18052 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">financial\u00a0institutions<span class=\"f ps2\"> </span></span></div><div class=\"ps18053 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Financial instrument transactions, producing issuer risk <span class=\"f ps2\"> </span></span></div><div class=\"ps18054 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">where payments due from the issuer of a financial instrument <span class=\"f ps2\"> </span></span></div><div class=\"ps18055 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">may not be received<span class=\"f ps2\"> </span></span></div><div class=\"ps18056 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Trading transactions, giving rise to settlement and <span class=\"f ps2\"> </span></span></div><div class=\"ps18057 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">replacement risk (collectively forming counterparty <span class=\"f ps2\"> </span></span></div><div class=\"ps18058 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">exposures):<span class=\"f ps2\"> </span></span></div><div class=\"ps18059 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps4188\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-a7a56500 ps1121\">Settlement risk is the risk that the settlement of a <span class=\"f ps2\"> </span></span></div><div class=\"ps15470 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps1121\">transaction does not take place as expected, with one party <span class=\"f ps2\"> </span></span></div><div class=\"ps15471 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps1121\">making required settlements as they fall due but not <span class=\"f ps2\"> </span></span></div><div class=\"ps18060 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps1121\">receiving the performance to which they are entitled<span class=\"f ps2\"> </span></span></div><div class=\"ps15473 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4188\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps1121\">Replacement risk is the risk following default by the original <span class=\"f ps2\"> </span></span></div><div class=\"ps15474 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps1121\">counterparty resulting in the contract holder having to <span class=\"f ps2\"> </span></span></div><div class=\"ps18061 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps1121\">enter into a replacement contract with a second <span class=\"f ps2\"> </span></span></div><div class=\"ps18062 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps1121\">counterparty in order to fulfil the transaction.<span class=\"f ps2\"> </span></span></div><div class=\"ps15477 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The relevant credit committees will also consider wrong-way <span class=\"f ps2\"> </span></span></div><div class=\"ps15478 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">risk at the time of granting credit limits to each counterparty. In <span class=\"f ps2\"> </span></span></div><div class=\"ps18063 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the banking book environment, wrong-way risk occurs where <span class=\"f ps2\"> </span></span></div><div class=\"ps18064 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the value of collateral to secure a transaction decreases as the <span class=\"f ps2\"> </span></span></div><div class=\"ps18065 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">probability of default of the borrower or counterparty increases. <span class=\"f ps2\"> </span></span></div><div class=\"ps18066 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For counterparty credit risk resulting from transactions in <span class=\"f ps2\"> </span></span></div><div class=\"ps18067 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">traded products (such as OTC derivatives), wrong-way risk is <span class=\"f ps2\"> </span></span></div><div class=\"ps15486 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">defined as exposure to a counterparty that is adversely <span class=\"f ps2\"> </span></span></div><div class=\"ps15487 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">correlated with the credit quality of that counterparty. It arises <span class=\"f ps2\"> </span></span></div><div class=\"ps18068 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">when default risk and credit exposure increase together. <span class=\"f ps2\"> </span></span></div><div class=\"ps18069 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Credit risk may also arise in other ways and it is the role of the <span class=\"f ps2\"> </span></span></div><div class=\"ps18070 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">risk management functions and the various independent credit <span class=\"f ps2\"> </span></span></div><div class=\"ps18071 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">committees to identify, assess and escalate any material risks <span class=\"f ps2\"> </span></span></div><div class=\"ps18072 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">falling outside of this definition.<span class=\"f ps2\"> </span></span></div><div class=\"ps18073 ss8\"><div class=\"ss974 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:231.75pt\"></td></tr><tr style=\"height:15pt\"><td style=\"padding:0\"><div class=\"ps19 ss2133\"><div><div class=\"ps6401 ss974\"><span class=\"f charStyle-0e78c81e ps7\">Risk governance structure<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps18074 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">To manage, measure, monitor and mitigate credit risk, <span class=\"f ps2\"> </span></span></div><div class=\"ps18076 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">independent credit committees exist in the UK<span class=\"f ps2\"> </span></span><span class=\"f charStyle-68c7bd0e ps3901\">. T<span class=\"f ps2\"> </span></span><span class=\"f charStyle-68c7bd0e ps18075\">hese <span class=\"f ps2\"> </span></span></div><div class=\"ps18077 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">committees also have oversight of regions where we assume <span class=\"f ps2\"> </span></span></div><div class=\"ps18078 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">credit risk and operate under Board-approved delegated limits, <span class=\"f ps2\"> </span></span></div><div class=\"ps18079 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">policies and procedures. There is a high level of executive <span class=\"f ps2\"> </span></span></div><div class=\"ps18080 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">involvement and oversight in the credit decision-making forums <span class=\"f ps2\"> </span></span></div><div class=\"ps18081 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">depending on the size and complexity of the deal. It is our policy <span class=\"f ps2\"> </span></span></div><div class=\"ps18082 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">that all credit committees include voting members who are <span class=\"f ps2\"> </span></span></div><div class=\"ps18085 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">independent of the originating business unit.<span class=\"f ps2\"> </span></span><span class=\"f charStyle-68c7bd0e ps18083\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-68c7bd0e ps18084\">All decisions to enter <span class=\"f ps2\"> </span></span></div><div class=\"ps18086 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">into a transaction are based on unanimous consent.<span class=\"f ps2\"> </span></span></div><div class=\"ps18087 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In addition to the credit committees, the following processes </span></div><div class=\"ps18088 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">assist in managing, measuring and monitoring credit risk:</span></div><div class=\"ps18089 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Day-to-day arrears management and regular arrears </span></div><div class=\"ps18090 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">reporting ensure that individual positions and any potential </span></div><div class=\"ps18091 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">adverse trends are dealt with in a timely manner</span></div><div class=\"ps18094 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Watchlist Forum<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps18092\">s review <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps18093\">the management of distressed <span class=\"f ps2\"> </span></span></div><div class=\"ps18095 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">loans, potential problem loans and exposures in arrears that <span class=\"f ps2\"> </span></span></div><div class=\"ps18096 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">require additional attention and supervision. These <span class=\"f ps2\"> </span></span></div><div class=\"ps18097 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">committees review ECL impairments and staging at an asset <span class=\"f ps2\"> </span></span></div><div class=\"ps18098 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">level as well\u00a0as potential fair value adjustments to loans and <span class=\"f ps2\"> </span></span></div><div class=\"ps18099 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">advances to customers. They provide recommendations <span class=\"f ps2\"> </span></span></div><div class=\"ps18100 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">for\u00a0the appropriate staging and level of ECL impairment <span class=\"f ps2\"> </span></span></div><div class=\"ps18101 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">where required<span class=\"f ps2\"> </span></span></div><div class=\"ps18104 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">The Forbearance Forum</span><span class=\"f charStyle-33e1c6d6 ps18102\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps18103\">reviews and monitors\u00a0counterparties <span class=\"f ps2\"> </span></span></div><div class=\"ps18105 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">who have been granted forbearance\u00a0measures<span class=\"f ps2\"> </span></span></div><div class=\"ps18108 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">The <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps18106\">Impairment Decision Committee<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps18107\"> reviews <span class=\"f ps2\"> </span></span></div><div class=\"ps18109 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">recommendations from underlying Watchlist Forums and </span></div><div class=\"ps18110 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">considers and approves the appropriate level of ECL <span class=\"f ps2\"> </span></span></div><div class=\"ps18111 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">impairments and staging<span class=\"f ps2\"> </span></span></div><div class=\"ps18114 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-68c7bd0e ps4868\">The Models Forum</span><span class=\"f charStyle-68c7bd0e ps18112\"> provides </span><span class=\"f charStyle-68c7bd0e ps18113\">an internal screening and <span class=\"f ps2\"> </span></span></div><div class=\"ps18115 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4868\">validation process for credit models. We have established <span class=\"f ps2\"> </span></span></div><div class=\"ps18116 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4868\">independent model validation teams who review the models <span class=\"f ps2\"> </span></span></div><div class=\"ps18117 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4868\">and provide feedback on the accuracy and operation of the <span class=\"f ps2\"> </span></span></div><div class=\"ps18118 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4868\">models and note items for further development through the <span class=\"f ps2\"> </span></span></div><div class=\"ps18119 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4868\">forum<span class=\"f ps2\"> </span></span></div><div class=\"ps18120 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">An annual review of risk appetite frameworks and limits that <span class=\"f ps2\"> </span></span></div><div class=\"ps18121 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">are approved by IBP ERC, Investec Group ERC, IBP and DLC </span></div><div class=\"ps18122 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">BRCC and IBP and DLC Board.<span class=\"f ps2\"> </span></span></div><div class=\"ps18125 ss8\"><div class=\"ss669 ws0 ps356\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:21pt\"></td><td style=\"padding:0;width:212.25pt\"></td></tr><tr style=\"height:17.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss2134\"><div><div class=\"ps28 ss588\"><div class=\"ps18123\"><div class=\"ps19\"><img alt=\"Unaudited_information.svg\" id=\"i-166\" src=\"data:image/svg+xml;base64,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\" style=\"height:13.52pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps2752 ss2136\"><div><div class=\"ps18124 ss2135\"><span class=\"f charStyle-0e78c81e ps7\">Risk appetite<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps18127 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">The </span><span class=\"f charStyle-33e1c6d6 ps18126\">Board has set risk appetite limits which regulate the <span class=\"f ps2\"> </span></span></div><div class=\"ps18128 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">maximum exposures we would be comfortable to tolerate in <span class=\"f ps2\"> </span></span></div><div class=\"ps18131 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">order to diversify and mitigate risk.<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps18129\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps18130\">Should there be any <span class=\"f ps2\"> </span></span></div><div class=\"ps18132 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">breaches to limits, or where exposures are nearing limits, these <span class=\"f ps2\"> </span></span></div><div class=\"ps18133 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">exceptions are specifically highlighted for attention, with <span class=\"f ps2\"> </span></span></div><div class=\"ps18135 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">remedial actions reported<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps18134\"> at IBP BRCC, DLC BRCC and the <span class=\"f ps2\"> </span></span></div><div class=\"ps18136 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">respective Boards.<span class=\"f ps2\"> </span></span></div><div class=\"ps18137 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">The assessment of our clients and counterparties includes </span></div><div class=\"ps18138 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">consideration of their character, integrity, core competencies, </span></div><div class=\"ps18139 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">track record and financial strength. A strong emphasis is placed </span></div><div class=\"ps18140 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">on the historic and ongoing stability of income and cash flow </span></div><div class=\"ps18141 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">streams generated by the clients. Our primary assessment </span></div><div class=\"ps18142 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">method is therefore the ability of the client or counterparty to </span></div><div class=\"ps18143 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">meet their payment obligations. </span></div><div class=\"ps18144 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Target clients include high net worth individuals, active wealth </span></div><div class=\"ps18145 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">creators, high-income professionals, self-employed </span></div><div class=\"ps18146 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">entrepreneurs, owner managers in small to mid-cap corporates, </span></div><div class=\"ps18147 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">sophisticated investors, established corporates, small and </span></div><div class=\"ps18148 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">medium-sized enterprises, financial institutions and sovereigns.</span></div><div class=\"ps18149 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">We are client-centric in our approach and originate the majority <span class=\"f ps2\"> </span></span></div><div class=\"ps18150 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">of our loans with the intent of holding these assets to maturity, <span class=\"f ps2\"> </span></span></div><div class=\"ps18151 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">thereby developing a \u2018hands-on\u2019 and long-standing relationship. <span class=\"f ps2\"> </span></span></div><div class=\"ps18152 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Interbank lending is largely reserved for those banks and </span></div><div class=\"ps18153 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">institutions in the Group\u2019s core geographies of activity, which </span></div><div class=\"ps18154 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">are systemic and highly rated.</span></div><div><div class=\"ps181 ss8\"><div class=\"ss236 ws0 ps14\"><div><span id=\"i7d36fbc971ac4c0cbc4108cbc1baee49_2367\"></span><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:21pt\"></td><td style=\"padding:0;width:131.25pt\"></td></tr><tr style=\"height:18.75pt\"><td style=\"padding:0\"><div class=\"ps19 ss2137\"><div><div class=\"ps28 ss588\"><div class=\"ps18123\"><div class=\"ps19\"><img alt=\"Unaudited_information.svg\" id=\"i-167\" src=\"data:image/svg+xml;base64,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\" style=\"height:13.52pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><span id=\"i9399d11a6fe24cb7b8c7509d032d3383_0-1-1-1-3222700\"></span><div class=\"ps2752 ss2138\"><div><div class=\"ps18156 ss1274\"><span class=\"f charStyle-0e78c81e ps7\">Concentration risk<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps18157 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">Concentration risk, with respect to credit risk, is when large <span class=\"f ps2\"> </span></span></div><div class=\"ps18158 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">exposures exist to a single client or\u00a0counterparty, group of <span class=\"f ps2\"> </span></span></div><div class=\"ps18159 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">connected counterparties, or to a particular geography, asset <span class=\"f ps2\"> </span></span></div><div class=\"ps18160 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">class or industry. An example of this would be where a number of <span class=\"f ps2\"> </span></span></div><div class=\"ps18161 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">counterparties are affected by similar economic, legal, regulatory <span class=\"f ps2\"> </span></span></div><div class=\"ps18162 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">or other factors that could mean their ability to meet contractual <span class=\"f ps2\"> </span></span></div><div class=\"ps18164 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">obligations are correlated<span class=\"f ps2\"> </span></span><span class=\"f charStyle-68c7bd0e ps18163\">.</span></div><div class=\"ps18165 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Concentration risk can also exist where portfolio loan maturities <span class=\"f ps2\"> </span></span></div><div class=\"ps18166 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">are clustered to single periods in time. Loan maturities are <span class=\"f ps2\"> </span></span></div><div class=\"ps18167 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">monitored on a portfolio and a transaction level by Group risk <span class=\"f ps2\"> </span></span></div><div class=\"ps18168 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">management, Group lending operations as well as the <span class=\"f ps2\"> </span></span></div><div class=\"ps18169 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">originating business units.<span class=\"f ps2\"> </span></span></div><div class=\"ps18170 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Credit risk is always assessed with reference to the aggregate <span class=\"f ps2\"> </span></span></div><div class=\"ps18171 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">exposure to a single counterparty or group of related parties to <span class=\"f ps2\"> </span></span></div><div class=\"ps18172 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">manage concentration risk. In order to manage concentration, <span class=\"f ps2\"> </span></span></div><div class=\"ps18173 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">we will consider a sell-down of exposures to market <span class=\"f ps2\"> </span></span></div><div class=\"ps18174 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">participants if required.<span class=\"f ps2\"> </span></span></div><div class=\"ps18175 ss8\"><div class=\"ss236 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:21pt\"></td><td style=\"padding:0;width:131.25pt\"></td></tr><tr style=\"height:18.75pt\"><td style=\"padding:0\"><div class=\"ps19 ss2137\"><div><div class=\"ps28 ss588\"><div class=\"ps18123\"><div class=\"ps19\"><img alt=\"Unaudited_information.svg\" id=\"i-168\" src=\"data:image/svg+xml;base64,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\" style=\"height:13.52pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><span id=\"iaa582510d69e4552a05a0a3080a8fd7b_0-1-1-1-3222700\"></span><div class=\"ps2752 ss2138\"><div><div class=\"ps18156 ss1274\"><span class=\"f charStyle-0e78c81e ps7\">Country risk<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps18176 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Country risk, with respect to credit risk, refers to the risk of <span class=\"f ps2\"> </span></span></div><div class=\"ps18177 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">lending to a counterparty operating in a particular country or <span class=\"f ps2\"> </span></span></div><div class=\"ps18178 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the risk inherent in a sovereign exposure, i.e. the risk of <span class=\"f ps2\"> </span></span></div><div class=\"ps18179 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">exposure to loss caused by events in that country. Country risk <span class=\"f ps2\"> </span></span></div><div class=\"ps18180 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">covers all forms of lending or investment activity whether to/<span class=\"f ps2\"> </span></span></div><div class=\"ps18181 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">with individuals, corporates, banks or governments. This can <span class=\"f ps2\"> </span></span></div><div class=\"ps18182 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">include geopolitical risks, transfer and convertibility risks, and <span class=\"f ps2\"> </span></span></div><div class=\"ps18183 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the impact on the borrower\u2019s credit profile due to local <span class=\"f ps2\"> </span></span></div><div class=\"ps18184 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">economic and political conditions.<span class=\"f ps2\"> </span></span></div><div class=\"ps18185 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">To mitigate country risk, there is a preference for primary </span></div><div class=\"ps18187 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">exposure in the</span><span class=\"f charStyle-33e1c6d6 ps18186\"> Group\u2019s main operating geography and where </span></div><div class=\"ps18188 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">we have operations, a branch or local banking subsidiary. The </span></div><div class=\"ps18190 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group will </span><span class=\"f charStyle-33e1c6d6 ps18189\">tolerate exposures to other countries where we have </span></div><div class=\"ps18191 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">developed a local understanding and capability or we are </span></div><div class=\"ps18192 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">facilitating a transaction for a client.</span></div><div class=\"ps18194 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group\u2019s <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps18193\">credit risk appetite with regard to country risk is <span class=\"f ps2\"> </span></span></div><div class=\"ps18195 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">characterised by the following principles:<span class=\"f ps2\"> </span></span></div><div class=\"ps18196 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Preference is to have exposure only to politically stable <span class=\"f ps2\"> </span></span></div><div class=\"ps18197 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">jurisdictions that we understand and have preferably <span class=\"f ps2\"> </span></span></div><div class=\"ps18198 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">operated in before<span class=\"f ps2\"> </span></span></div><div class=\"ps18199 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-25d81df8 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-25d81df8 ps461\">There is limited specific appetite for exposures outside of the</span><span class=\"f charStyle-33e1c6d6 ps4516\"> </span></div><div class=\"ps18201 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">Group\u2019s <span class=\"f ps2\"> </span></span><span class=\"f charStyle-25d81df8 ps18200\">pre-existing core geographies or target markets</span></div><div class=\"ps18202 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">The legal environment should be tested, have legal <span class=\"f ps2\"> </span></span></div><div class=\"ps18203 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">precedent in line with Organisation for Economic Co-<span class=\"f ps2\"> </span></span></div><div class=\"ps18204 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">operation and Development (OECD) standards and have <span class=\"f ps2\"> </span></span></div><div class=\"ps18205 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">good corporate governance<span class=\"f ps2\"> </span></span></div><div class=\"ps18206 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">In certain cases, country risk can be mitigated by taking out </span></div><div class=\"ps18207 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">political risk insurance with suitable counterparties where </span></div><div class=\"ps18209 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">deemed necessary and where considered economic.</span><span class=\"f charStyle-33e1c6d6 ps18208\"> <span class=\"f ps2\"> </span></span></div><div class=\"ps18210 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">While we do not have a separate country risk committee, the <span class=\"f ps2\"> </span></span></div><div class=\"ps18212 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">relevant credit committees as well as investment committees<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps18211\">, </span></div><div class=\"ps18213 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">IBP ERC and where necessary, Investec Group ERC will </span></div><div class=\"ps18214 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">consider, analyse and assess the appropriate foreign </span></div><div class=\"ps18215 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">jurisdiction limits.</span></div><div class=\"ps18216 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In the UK, following the official exit from the European Union, it <span class=\"f ps2\"> </span></span></div><div class=\"ps18217 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">remains necessary to avoid exposures to certain European </span></div><div class=\"ps18218 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">countries due to the resulting legal and regulatory implications. </span></div><div class=\"ps18219 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">This relates specifically to countries in which borrowers are </span></div><div class=\"ps18220 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">legally incorporated and any deal will be thoroughly assessed <span class=\"f ps2\"> </span></span></div><div class=\"ps18221 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">on a case by case basis to ensure compliance with current </span></div><div class=\"ps18222 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">regulations.<span class=\"f ps2\"> </span></span></div><div class=\"ps181 ss8\"><div class=\"ss236 ws0 ps356\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:21pt\"></td><td style=\"padding:0;width:131.25pt\"></td></tr><tr style=\"height:18.75pt\"><td style=\"padding:0\"><div class=\"ps19 ss2137\"><div><div class=\"ps28 ss588\"><div class=\"ps18123\"><div class=\"ps19\"><img alt=\"Unaudited_information.svg\" id=\"i-169\" src=\"data:image/svg+xml;base64,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\" style=\"height:13.52pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps2752 ss2138\"><div><div class=\"ps18156 ss1274\"><span class=\"f charStyle-0e78c81e ps7\">Sustainability risk<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps18157 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">We assess sustainability risk as part of the credit or investment </span></div><div class=\"ps18158 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">committee\u2019s evaluation of lending or investment decisions. All </span></div><div class=\"ps18159 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">credit and investment transactions with exposure to high-risk </span></div><div class=\"ps18160 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">industries go through a sustainability screening process. Where </span></div><div class=\"ps18161 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">the transaction is classified as high-risk, a sustainability </span></div><div class=\"ps18162 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">screening is required prior to the credit committee where risks </span></div><div class=\"ps18164 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">and opportunities are identified to assist the credit committee </span></div><div class=\"ps18223 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">in their decision-making process. Where risks are identified, </span></div><div class=\"ps18224 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">mitigating actions need to be included. Sustainability </span></div><div class=\"ps18225 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">considerations are implicit in our values, culture and code of </span></div><div class=\"ps18226 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">conduct and are applied as part of our day to day decision </span></div><div class=\"ps18228 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">making.</span><span class=\"f charStyle-33e1c6d6 ps3856\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps18227\">In particular, the following factors are considered when </span></div><div class=\"ps18229 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">a transaction is evaluated and approved or declined based on </span></div><div class=\"ps18170 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">sustainability considerations:</span></div><div class=\"ps18230 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Governance matters (including corruption, fraud <span class=\"f ps2\"> </span></span></div><div class=\"ps18231 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">and\u00a0controversies)<span class=\"f ps2\"> </span></span></div><div class=\"ps18174 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Environmental impacts (including climate, nature degradation </span></div><div class=\"ps18232 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">and animal welfare)</span></div><div class=\"ps18233 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Social injustice (including human rights, diversity, inclusion </span></div><div class=\"ps18234 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">and modern slavery, community displacement and health and </span></div><div class=\"ps18235 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">safety risks)</span></div><div class=\"ps18236 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Ethical considerations (including human rights and </span></div><div class=\"ps18237 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">modern\u00a0slavery)</span></div><div class=\"ps18238 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Macro-economic impacts (including poverty, growth, and </span></div><div class=\"ps18240 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">unemployment)</span><span class=\"f charStyle-33e1c6d6 ps18239\">.</span></div><div class=\"ps18241 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">If the Group sustainability team flags the transaction as a high </span></div><div class=\"ps18243 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">concern issue, it will be escalated to</span><span class=\"f charStyle-33e1c6d6 ps18242\"> IBP or Investec Group ERC </span></div><div class=\"ps18244 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">before any credit or investment decision is made. Moreover, </span></div><div class=\"ps18245 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">the DLC SEC is informed of any transactions identified with </span></div><div class=\"ps18246 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">high concerns.</span></div><div class=\"ps18249 ss8\"><div class=\"ss669 ws0 ps356\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:23.25pt\"></td><td style=\"padding:0;width:210pt\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss1517\"><div><div class=\"ps28 ss118\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Page_references.svg\" id=\"i-170\" src=\"data:image/svg+xml;base64,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\" style=\"height:15.59pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps18248 ss2139\"><div><div class=\"ps778 ss824\"><span class=\"f charStyle-33e1c6d6 ps7\">Refer to page </span><span class=\"f charStyle-c4fc3a3f ps18247\"><a class=\"Hyperlink\" href=\"#iccba24ea0cd14a1fbe74568356c33a8e_433\" style=\"z-index:1\">177</a><span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps16016\"> for further detail.<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps18251 ss8\"><div class=\"ss236 ws0 ps356\"><div><span id=\"i7d36fbc971ac4c0cbc4108cbc1baee49_2368\"></span><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:21pt\"></td><td style=\"padding:0;width:131.25pt\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss2140\"><div><div class=\"ps28 ss588\"><div class=\"ps18123\"><div class=\"ps19\"><img alt=\"Unaudited_information.svg\" id=\"i-171\" src=\"data:image/svg+xml;base64,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\" style=\"height:13.52pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><span id=\"idaee11659d954360aca41aa6a92a1560_0-1-1-1-3222700\"></span><div class=\"ps2752 ss2141\"><div><div class=\"ps18250 ss1274\"><span class=\"f charStyle-0e78c81e ps7\">Stress testing<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps18252 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">The Group\u2019s<span class=\"f ps2\"> </span></span><span class=\"f charStyle-c8d875d6 ps14977\"> stress testing framework is designed to identify </span></div><div class=\"ps18253 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps4867\">and assess vulnerabilities under stress. The process comprises </span></div><div class=\"ps18256 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps4867\">a bottom-up analysis of the</span><span class=\"f charStyle-33e1c6d6 ps18254\"> Group\u2019s</span><span class=\"f charStyle-a7a56500 ps18255\"> material business activities, </span></div><div class=\"ps18257 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps4867\">incorporating views from risk management teams, business and </span></div><div class=\"ps18258 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps4867\">the executive. Stress scenarios are designed based on findings </span></div><div class=\"ps18259 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps4867\">from the bottom-up process, taking into consideration the </span></div><div class=\"ps18261 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps4867\">broader macro-economic and political risk backdrop.</span><span class=\"f charStyle-33e1c6d6 ps18260\"> </span></div><div class=\"ps18262 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">These stress scenarios form an integral part of our capital </span></div><div class=\"ps18263 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">planning process and IFRS 9 reporting. The stress testing </span></div><div class=\"ps18264 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">process also informs the risk appetite review process, and the </span></div><div class=\"ps18265 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">management of risk appetite limits and is a key risk </span></div><div class=\"ps18267 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">management tool of the Group. This process allows the </span><span class=\"f charStyle-33e1c6d6 ps18266\">Group </span></div><div class=\"ps18268 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">to identify underlying risks and manage them accordingly.</span></div><div class=\"ps18270 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">The Group </span><span class=\"f charStyle-68c7bd0e ps18269\">also performs ad hoc stress tests and reverse stress </span></div><div class=\"ps18271 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">testing. Ad hoc stress tests are conducted in response to any </span></div><div class=\"ps18272 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">type of material and/or emerging risks, with reviews undertaken </span></div><div class=\"ps18273 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">of impacted portfolios to assess any migration in quality and </span></div><div class=\"ps18274 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">highlight any vulnerabilities, identify portfolio concentrations and </span></div><div class=\"ps18275 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">make appropriate recommendations such as a reduction in risk </span></div><div class=\"ps18277 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">appetite limits.</span><span class=\"f charStyle-68c7bd0e ps18276\"> Reverse stress tests are conducted to stress the </span></div><div class=\"ps18278 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">Group\u2019s business plan to failure and consider a broad variety of <span class=\"f ps2\"> </span></span></div><div class=\"ps18279 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">extreme and remote events.<span class=\"f ps2\"> </span></span></div></div><div><div class=\"ps4165 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Risk management and measurement</span></div><div class=\"ps5816 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Fundamental principles employed in the management and </span></div><div class=\"ps5817 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">measurement of credit risk include:</span></div><div class=\"ps10628 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">A clear definition of our target market</span></div><div class=\"ps5820 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">A quantitative and qualitative assessment of the </span></div><div class=\"ps5821 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">creditworthiness of our clients and counterparties</span></div><div class=\"ps5822 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Analysis of risks, including concentration risk (concentration </span></div><div class=\"ps5823 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">risk considerations include asset class, industry, counterparty </span></div><div class=\"ps5824 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">and geographical concentration)</span></div><div class=\"ps5825 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Risk appetite limits</span></div><div class=\"ps18281 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Prudential limits</span></div><div class=\"ps5828 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Regular monitoring and review of existing and potential <span class=\"f ps2\"> </span></span></div><div class=\"ps18282 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">exposures once facilities have been approved<span class=\"f ps2\"> </span></span></div><div class=\"ps10682 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">A high level of executive involvement in decision-making with </span></div><div class=\"ps18283 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">non-executive review and oversight where applicable</span></div><div class=\"ps5832 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Portfolio reviews and stress testing.</span></div><div class=\"ps10686 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Within the credit approval process, internal and external ratings </span></div><div class=\"ps10687 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">are included in the assessment of client quality.</span></div><div class=\"ps10689 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">A large proportion of the</span><span class=\"f charStyle-33e1c6d6 ps18284\"> Group\u2019s </span><span class=\"f charStyle-33e1c6d6 ps708\">portfolio is not rated by </span></div><div class=\"ps10690 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">external rating agencies. We place reliance upon internal </span></div><div class=\"ps10691 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">consideration of clients, counterparties and borrowers and use </span></div><div class=\"ps18285 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">ratings prepared externally where available to support our </span></div><div class=\"ps18286 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">decision-making process.</span></div><div class=\"ps18287 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Regular reporting of credit risk within our operating units are </span></div><div class=\"ps18289 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">made to management, the executives</span><span class=\"f charStyle-33e1c6d6 ps18288\"> and the Board through </span></div><div class=\"ps18291 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the DLC BRCC and IBP BRCC. The </span><span class=\"f charStyle-33e1c6d6 ps18290\">Board reviews and approves <span class=\"f ps2\"> </span></span></div><div class=\"ps18292 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the appetite for credit risk, which is documented in risk appetite <span class=\"f ps2\"> </span></span></div><div class=\"ps18293 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">statements and policy documents. This is implemented and <span class=\"f ps2\"> </span></span></div><div class=\"ps18294 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reviewed by the credit risk management teams in each <span class=\"f ps2\"> </span></span></div><div class=\"ps18295 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">jurisdiction.<span class=\"f ps2\"> </span></span></div><div class=\"ps18296 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Reviews are also undertaken of all material businesses, where </span></div><div class=\"ps18297 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the portfolios are analysed to assess any migration in portfolio </span></div><div class=\"ps18298 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">quality, highlight any vulnerabilities, identify portfolio </span></div><div class=\"ps18299 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">concentrations and make appropriate recommendations, such </span></div><div class=\"ps18300 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">as a reduction in risk appetite limits or specific exposures.</span></div><div class=\"ps18301 ss8\"><div class=\"ss1467 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:21pt\"></td><td style=\"padding:0;width:210pt\"></td></tr><tr style=\"height:18.75pt\"><td style=\"padding:0\"><div class=\"ps19 ss2137\"><div><div class=\"ps28 ss588\"><div class=\"ps18123\"><div class=\"ps19\"><img alt=\"Unaudited_information.svg\" id=\"i-172\" src=\"data:image/svg+xml;base64,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\" style=\"height:13.52pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps2752 ss2142\"><div><div class=\"ps18156 ss824\"><span class=\"f charStyle-0e78c81e ps7\">Nature of activities<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps18302 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Credit risk is assumed through a range of client-driven lending <span class=\"f ps2\"> </span></span></div><div class=\"ps18303 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">activities to private and corporate clients as well as other <span class=\"f ps2\"> </span></span></div><div class=\"ps18304 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">counterparties, such as financial institutions and sovereigns. <span class=\"f ps2\"> </span></span></div><div class=\"ps18305 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">These activities are diversified across a number of business <span class=\"f ps2\"> </span></span></div><div class=\"ps18306 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">activities:<span class=\"f ps2\"> </span></span></div><div class=\"ps18308 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps461\">Core loans and advances:</span><span class=\"f charStyle-33e1c6d6 ps18307\"> the majority of credit risk is </span></div><div class=\"ps18309 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">through core loans and advances, which reflects client-</span></div><div class=\"ps18310 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">driven lending activities to private and corporate clients and </span></div><div class=\"ps18311 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">account for almost all ECL allowances across our portfolio, </span></div><div class=\"ps18316 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">which are detailed on pages</span><span class=\"f charStyle-33e1c6d6 ps18312\"> </span><span class=\"f charStyle-c4fc3a3f ps18313\"><a class=\"Hyperlink\" href=\"#iccba24ea0cd14a1fbe74568356c33a8e_421\" style=\"z-index:1\">159</a></span><span class=\"f charStyle-33e1c6d6 ps18314\"> to </span><span class=\"f charStyle-c4fc3a3f ps18315\"><a class=\"Hyperlink\" href=\"#i8728d1f92d324955b1d4d9b2981fd9d9_3-0-1-1-3222700\" style=\"z-index:1\">166</a><span class=\"f ps2\"> </span></span></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps4868\">Treasury function:</span><span class=\"f charStyle-33e1c6d6 ps18317\"> there are also certain exposures, outside </span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">of core loans and advances, where we assume credit risk. </span></div><div class=\"ps701 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">These arise from treasury investments in high-quality liquid </span></div><div class=\"ps702 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">assets (HQLA), including highly rated government, </span></div><div class=\"ps3313 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">supranational, sub-sovereign and agency (SSA) and covered </span></div><div class=\"ps6370 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">bonds, and treasury placements where the treasury function, </span></div><div class=\"ps80 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">as part of the daily management of the</span><span class=\"f charStyle-33e1c6d6 ps18318\"> Group\u2019s </span><span class=\"f charStyle-33e1c6d6 ps18319\">liquidity, </span></div><div class=\"ps707 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">places funds with central banks and other commercial banks </span></div><div class=\"ps710 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">and financial institutions. These transactions are typically </span></div><div class=\"ps712 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">short-term (less than one month) money market placements </span></div><div class=\"ps3315 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">or secured repurchase agreements. These market </span></div><div class=\"ps3316 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">counterparties are mainly investment grade rated entities </span></div><div class=\"ps6373 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">that occupy dominant and systemic positions in their </span></div><div class=\"ps8274 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">domestic banking markets and internationally. These </span></div><div class=\"ps8275 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">counterparties are located mainly in the UK, Western Europe, </span></div><div class=\"ps7987 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">Asia, North America</span><span class=\"f charStyle-33e1c6d6 ps18320\">, Southern Africa </span><span class=\"f charStyle-33e1c6d6 ps18321\">and Australia.</span></div><div class=\"ps7988 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">In addition, credit risk arises through the following exposures:</span></div><div class=\"ps6376 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps4868\">Customer trading activities to facilitate hedging of client </span></div><div class=\"ps6377 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps4868\">risk positions: </span><span class=\"f charStyle-33e1c6d6 ps18322\">our customer trading portfolios consist of </span></div><div class=\"ps6378 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">derivative contracts in interest rates, foreign exchange, </span></div><div class=\"ps6379 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">commodities, credit derivatives and equities that are entered </span></div><div class=\"ps7995 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">into, to facilitate a client\u2019s hedging requirements. The </span></div><div class=\"ps7996 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">counterparties to such transactions are typically corporates, </span></div><div class=\"ps7997 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">in particular where they have an exposure to interest rates or </span></div><div class=\"ps5126 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">foreign exchange due to operating in sectors that include </span></div><div class=\"ps8259 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">imports and exports of goods and services. These positions </span></div><div class=\"ps8260 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">are marked-to-market, typically with daily margin calls to </span></div><div class=\"ps8261 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">mitigate credit exposure in the event of counterparty default</span></div><div class=\"ps8222 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps4868\">Structured credit:</span><span class=\"f charStyle-33e1c6d6 ps18323\"> these are bonds secured against a pool of </span></div><div class=\"ps8223 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">assets, mainly UK residential mortgages or European or US </span></div><div class=\"ps8224 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">corporate leverage loans. The bonds are typically highly </span></div><div class=\"ps8225 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">rated (single \u2018A\u2019 and above), which benefit from a high level of </span></div><div class=\"ps8007 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">credit subordination and can withstand a significant level of </span></div><div class=\"ps8010 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">portfolio default</span></div><div class=\"ps18325 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps4868\">Debt securities:</span><span class=\"f charStyle-33e1c6d6 ps18324\"> from time to time we take on exposures by </span></div><div class=\"ps8013 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">means of corporate debt securities rather than loan </span></div><div class=\"ps8014 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">exposures. These transactions arise on the back of client </span></div><div class=\"ps18326 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">relationships or knowledge of the corporate market and are </span></div><div class=\"ps8262 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">based on our analysis of the credit fundamentals</span></div><div class=\"ps8231 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps4868\">Corporate advisory and investment banking activities:</span><span class=\"f charStyle-33e1c6d6 ps18327\"> </span></div><div class=\"ps8232 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">counterparty risk in this area is modest. The business also </span></div><div class=\"ps8233 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">trades shares on an approved basis and</span><span class=\"f charStyle-33e1c6d6 ps18328\"> </span><span class=\"f charStyle-33e1c6d6 ps18329\">makes markets in <span class=\"f ps2\"> </span></span></div><div class=\"ps8234 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">shares where we are appointed corporate broker under pre-<span class=\"f ps2\"> </span></span></div><div class=\"ps8235 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">agreed market risk limits. Settlement trades are largely on a <span class=\"f ps2\"> </span></span></div><div class=\"ps8236 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">delivery versus payment basis, through major stock <span class=\"f ps2\"> </span></span></div><div class=\"ps8237 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">exchanges. Credit risk only occurs in the event of <span class=\"f ps2\"> </span></span></div><div class=\"ps8238 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">counterparty failure and would be linked to any fair value <span class=\"f ps2\"> </span></span></div><div class=\"ps8239 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">losses on the underlying security<span class=\"f ps2\"> </span></span></div><div class=\"ps5171 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps4868\">Settlement risk: </span><span class=\"f charStyle-33e1c6d6 ps18330\">can arise due to undertaking transactions in </span></div><div class=\"ps8241 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">an agency capacity on behalf of clients. However, the risk is </span></div><div class=\"ps8242 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">not considered to be material as most transactions are </span></div><div class=\"ps8243 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">undertaken on recognised exchanges, with large institutional </span></div><div class=\"ps8244 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">clients, monitored daily, with trades usually settled within two </span></div><div class=\"ps8245 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">to three days.</span></div></div><div class=\"ps4165 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Credit risk mitigation</span></div><div class=\"ps5816 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Credit risk mitigation techniques can be defined as all methods </span></div><div class=\"ps5817 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">by which the Group seeks to decrease the credit risk </span></div><div class=\"ps5818 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">associated with an exposure. The</span><span class=\"f charStyle-33e1c6d6 ps18333\"> Investec Group </span><span class=\"f charStyle-33e1c6d6 ps18334\">considers </span></div><div class=\"ps5819 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">credit risk mitigation techniques as part of the credit </span></div><div class=\"ps5820 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">assessment of a potential client or business proposal and not </span></div><div class=\"ps5821 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">as a separate consideration of mitigation of risk. Credit risk </span></div><div class=\"ps10631 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">mitigants can include any collateral item over which the Group </span></div><div class=\"ps10632 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">has a charge, netting and margining agreements, covenants, or </span></div><div class=\"ps10633 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">terms and conditions imposed on a borrower with the aim of </span></div><div class=\"ps10634 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reducing the credit risk inherent to that transaction.</span></div><div class=\"ps10635 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">As the Group </span><span class=\"f charStyle-33e1c6d6 ps18335\">has limited appetite for unsecured debt. A strong </span></div><div class=\"ps18281 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">emphasis is placed on proven income and cash flows </span></div><div class=\"ps18336 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">generated by the clients and risk is managed through </span></div><div class=\"ps18337 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">assessment of the ability of clients to meet their payment </span></div><div class=\"ps5829 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">obligations and/or tangible assets provided in support of their </span></div><div class=\"ps18340 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps2861\">obligations.</span><span class=\"f charStyle-4646bb92 ps18338\"> </span><span class=\"f charStyle-33e1c6d6 ps18339\">Collateral is assessed with reference to the </span></div><div class=\"ps18341 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sustainability of value and the likelihood of realisation.</span></div><div class=\"ps18342 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Acceptable collateral generally exhibits characteristics that </span></div><div class=\"ps18343 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">allow for it to be easily identified and appropriately valued and </span></div><div class=\"ps18345 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">assists the</span><span class=\"f charStyle-33e1c6d6 ps18344\"> Group </span><span class=\"f charStyle-33e1c6d6 ps4178\">to recover outstanding exposures.</span></div><div class=\"ps18346 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Where a transaction is supported by a mortgage or charge over </span></div><div class=\"ps18347 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">property, the primary credit risk is still taken on the borrower. In </span></div><div class=\"ps18348 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">addition, the relevant credit committee normally requires a </span></div><div class=\"ps18349 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">suretyship or guarantee in support of a transaction in our </span></div><div class=\"ps18351 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">private client business.</span><span class=\"f charStyle-33e1c6d6 ps18350\"> </span></div><div class=\"ps18352 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For property-backed lending we also consider the client\u2019s </span></div><div class=\"ps18353 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">overall balance sheet. In addition, the following characteristics </span></div><div class=\"ps18354 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of the property are considered: the type of property; its </span></div><div class=\"ps18355 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">location; and the ease with which the property could be relet </span></div><div class=\"ps18356 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and/or resold. Where the property is secured by lease </span></div><div class=\"ps18357 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">agreement, the credit committee prefers not to lend for a term </span></div><div class=\"ps18358 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">beyond the maximum term of the lease. Commercial real estate </span></div><div class=\"ps18359 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">generally takes the form of good quality property often </span></div><div class=\"ps18360 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">underpinned by strong third party leases. Residential property </span></div><div class=\"ps18361 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">is also generally of a high quality and based in desirable </span></div><div class=\"ps18362 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">locations. Residential and commercial property valuations will </span></div><div class=\"ps18363 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">continue to form part of our ongoing focus on collateral </span></div><div class=\"ps18364 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">assessment. It is our policy to obtain a formal valuation of every </span></div><div class=\"ps18365 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">commercial property offered as collateral for a lending facility </span></div><div class=\"ps18366 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">before advancing funds. Residential properties are valued by </span></div><div class=\"ps18367 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">desktop valuation and/or approved valuers, where appropriate.</span></div><div class=\"ps18368 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Other common forms of collateral in the retail asset class are </span></div><div class=\"ps18369 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">motor vehicles, cash and share portfolios. Primary collateral in </span></div><div class=\"ps18370 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">private client lending transactions can also include a high net </span></div><div class=\"ps18371 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">worth individual\u2019s share/investment portfolio. This is typically in </span></div><div class=\"ps18372 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the form of a diversified pool of equity, fixed income, managed </span></div><div class=\"ps18373 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">funds and cash. Often these portfolios are managed by </span></div><div class=\"ps18374 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Rathbones. Lending against investment portfolios is typically </span></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">geared at conservative loan-to-value (LTV) ratios, after </span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">considering the quality, diversification, risk profile and liquidity </span></div><div class=\"ps701 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">of the portfolio.</span></div><div class=\"ps6025 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Our corporate, government and institutional clients provide a </span></div><div class=\"ps705 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">range of collateral including cash, corporate assets, debtors </span></div><div class=\"ps706 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">(accounts receivable), trading stock, debt securities (bonds), </span></div><div class=\"ps3314 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">listed and unlisted shares and guarantees.</span></div><div class=\"ps710 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">The majority of credit mitigation techniques linked to trading </span></div><div class=\"ps712 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">activity is in the form of netting agreements and daily </span></div><div class=\"ps3315 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">margining. Primarily, the market standard legal documents that </span></div><div class=\"ps3316 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">govern this include the International Swaps and Derivatives </span></div><div class=\"ps6373 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Association (ISDA) Master Agreements, Global Master </span></div><div class=\"ps8274 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Securities Lending Agreement (GMSLA) and Global Master </span></div><div class=\"ps8275 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Repurchase Agreement (GMRA). In addition to having ISDA </span></div><div class=\"ps7987 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">documentation in place with market and trading counterparties </span></div><div class=\"ps8276 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">in over-the-counter (OTC) derivatives, the credit committee </span></div><div class=\"ps6375 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">may require a Credit Support Annex (CSA) to ensure that mark-</span></div><div class=\"ps6376 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">to-market credit exposure is mitigated daily through the </span></div><div class=\"ps6377 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">calculation and receipt of cash collateral. Where netting </span></div><div class=\"ps6378 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">agreements have been signed, the enforceability is supported </span></div><div class=\"ps6379 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">by an external legal opinion within the legal jurisdiction of the </span></div><div class=\"ps7995 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">agreement.</span></div><div class=\"ps6381 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Set-off is applied between assets, subject to credit risk and </span></div><div class=\"ps6382 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">related liabilities in the annual financial statements, where:</span></div><div class=\"ps8259 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">A legally enforceable right to set-off exists</span></div><div class=\"ps6384 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">There is the intention to settle the asset and liability </span></div><div class=\"ps7998 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">on\u00a0a\u00a0net\u00a0basis, or to realise the asset and settle the </span></div><div class=\"ps8222 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">liability\u00a0simultaneously.</span></div><div class=\"ps8004 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">In addition to the above accounting set-off criteria, banking </span></div><div class=\"ps8005 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">regulators impose the following additional criteria:</span></div><div class=\"ps8007 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Debit and credit balances relate to the same obligor/</span></div><div class=\"ps8010 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">counterparty</span></div><div class=\"ps18325 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Debit and credit balances are denominated in the same </span></div><div class=\"ps8013 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">currency and have identical maturities</span></div><div class=\"ps8228 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Exposures subject to set-off are risk-managed on a net basis</span></div><div class=\"ps8262 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Market practice considerations.</span></div><div class=\"ps8231 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">For this reason, there will be instances where credit and </span></div><div class=\"ps8232 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">counterparty exposures are displayed on a net basis in these </span></div><div class=\"ps8233 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">annual financial statements but reported on a gross basis </span></div><div class=\"ps8234 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">to\u00a0regulators.</span></div><div class=\"ps8283 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">The legal risk function ensures the enforceability of credit risk </span></div><div class=\"ps8284 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">mitigants under the laws of the relevant jurisdictions. When </span></div><div class=\"ps8285 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">assessing the potential concentration risk in its credit portfolio, </span></div><div class=\"ps8286 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">consideration is given to the types of collateral and credit </span></div><div class=\"ps8287 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">protection that form part of the portfolio.</span></div><div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_421\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps181 ss8\"><div class=\"ss2145 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:21pt\"></td><td style=\"padding:0;width:395.25pt\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss2140\"><div><div class=\"ps28 ss588\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Alternative_performance_measures.svg\" id=\"i-173\" src=\"data:image/svg+xml;base64,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\" style=\"height:14pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><span id=\"i65af01f5bc13448390b7829ab367cf2b_0-1-1-1-3222700\"></span><div class=\"ps2752 ss2144\"><div><div class=\"ps18378 ss2143\"><span class=\"f charStyle-5f0cbfde ps7\">An analysis of gross core loans, asset quality and ECL <span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps18379 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The tables that follow provide information with respect to the asset quality of our gross core loans on a statutory basis.<span class=\"f ps2\"> </span></span></div><div class=\"ps18380 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Stage 3 exposures are flat as a proportion of the book at 3.4%, in line with 31 March 2025. Stage 3 exposures remain diversified <span class=\"f ps2\"> </span></span></div><div class=\"ps18381 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">across multiple asset classes and provisions are individually assessed.<span class=\"f ps2\"> </span></span></div><div class=\"ps18382 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Stage 2 exposures have decreased to \u00a31 266 million or 7.4% of gross core loans subject to ECL at 31 March 2026 (\u00a31\u00a0331\u00a0million or </span></div><div class=\"ps18383 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">8.1% at 31 March 2025) as underlying portfolios continue to perform. </span></div><div class=\"ps18438 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:362.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss2147\"><div><div class=\"ps809 ss2146\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps18386 ss305\"><div><div class=\"ps809 ss296\"><span class=\"f charStyle-a26246ce ps18385\">31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps814 ss305\"><div><div class=\"ps809 ss296\"><span class=\"f charStyle-8d4b9b37 ps18387\">31 March 2025^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps816 ss2148\"><div><div class=\"ps997 ss2146\"><span class=\"f charStyle-b7f6e8e5 ps7\">Gross core loans<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18388 ss301\"><div><div class=\"ps997 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.96pt\"></span></span><span class=\"ps10225\">18\u00a0011<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps13409 ss301\"><div><div class=\"ps997 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.4pt\"></span></span><span class=\"ps16422\">16\u00a0990<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps184 ss2147\"><div><div class=\"ps815 ss2146\"><span class=\"f charStyle-2b0f4fe0 ps7\">Gross core loans at FVPL <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18389 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.53pt\"></span></span><span class=\"ps11265\">809<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps18390 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.03pt\"></span></span><span class=\"ps11912\">572<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9200 ss2147\"><div><div class=\"ps815 ss2146\"><span class=\"f charStyle-13225c7c ps7\">Gross core loans subject to ECL</span><span class=\"f charStyle-19493eb4 ps18391\"><span class=\"f ps2\"> </span><sup>*</sup></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps18392 ss305\"><div><div class=\"ps2632 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.35pt\"></span></span><span class=\"ps11438\">17\u00a0202<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11794 ss305\"><div><div class=\"ps2632 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.76pt\"></span></span><span class=\"ps11785\">16\u00a0418<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9204 ss2147\"><div><div class=\"ps815 ss2146\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 1<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18393 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.52pt\"></span></span><span class=\"ps14798\">15\u00a0354<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11796 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.43pt\"></span></span><span class=\"ps11158\">14\u00a0524<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4003 ss2147\"><div><div class=\"ps815 ss2146\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 2<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18394 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.13pt\"></span></span><span class=\"ps11889\">1\u00a0266<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11139 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.08pt\"></span></span><span class=\"ps18395\">1\u00a0331<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4562 ss2147\"><div><div class=\"ps815 ss2146\"><span class=\"f charStyle-f370dde9 ps1864\">of which past due greater than 30 days<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18396 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-f370dde9\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.23pt\"></span></span><span class=\"ps12600\">31<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11149 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-f370dde9\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.11pt\"></span></span><span class=\"ps11895\">60<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9218 ss2147\"><div><div class=\"ps815 ss2146\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18398 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.67pt\"></span></span><span class=\"ps18397\">582<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11159 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.54pt\"></span></span><span class=\"ps18399\">563<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9225 ss2147\"><div><div class=\"ps815 ss2146\"><span class=\"f charStyle-b7f6e8e5 ps7\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps18401 ss305\"><div><div class=\"ps2632 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.41pt\"></span></span><span class=\"ps18400\">(207)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11168 ss305\"><div><div class=\"ps2632 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.67pt\"></span></span><span class=\"ps11798\">(176)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps220 ss2147\"><div><div class=\"ps815 ss2146\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 1<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18402 ss305\"><div><div class=\"ps2632 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.76pt\"></span></span><span class=\"ps16860\">(37)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps18403 ss305\"><div><div class=\"ps2632 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.29pt\"></span></span><span class=\"ps11339\">(34)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9234 ss2147\"><div><div class=\"ps815 ss2146\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 2<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18405 ss305\"><div><div class=\"ps2632 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.54pt\"></span></span><span class=\"ps18404\">(28)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps18407 ss305\"><div><div class=\"ps2632 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.64pt\"></span></span><span class=\"ps18406\">(31)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9241 ss2147\"><div><div class=\"ps815 ss2146\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18409 ss305\"><div><div class=\"ps2632 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.09pt\"></span></span><span class=\"ps18408\">(142)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps18411 ss305\"><div><div class=\"ps2632 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.67pt\"></span></span><span class=\"ps18410\">(111)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9245 ss2147\"><div><div class=\"ps815 ss2146\"><span class=\"f charStyle-b7f6e8e5 ps7\">Coverage ratio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3337 ss2147\"><div><div class=\"ps815 ss2146\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 1<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18413 ss305\"><div><div class=\"ps2632 ss296\"><span class=\"f charStyle-2b0f4fe0 ps18412\">0.24%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps18414 ss305\"><div><div class=\"ps2632 ss296\"><span class=\"f charStyle-2b0f4fe0 ps11252\">0.23%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9254 ss2147\"><div><div class=\"ps815 ss2146\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 2<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18416 ss305\"><div><div class=\"ps2632 ss296\"><span class=\"f charStyle-2b0f4fe0 ps18415\">2.2%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps18417 ss305\"><div><div class=\"ps2632 ss296\"><span class=\"f charStyle-2b0f4fe0 ps5541\">2.3%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps289 ss2147\"><div><div class=\"ps815 ss2146\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18419 ss305\"><div><div class=\"ps2632 ss296\"><span class=\"f charStyle-2b0f4fe0 ps18418\">24.4%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps18420 ss305\"><div><div class=\"ps2632 ss296\"><span class=\"f charStyle-2b0f4fe0 ps11881\">19.7%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps8433 ss2147\"><div><div class=\"ps815 ss2146\"><span class=\"f charStyle-b7f6e8e5 ps7\">Credit loss ratio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps18421 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5 ps12408\">0.57%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps18422 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5 ps11526\">0.60%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps6660 ss2147\"><div><div class=\"ps815 ss2146\"><span class=\"f charStyle-2b0f4fe0 ps7\">ECL impairment charges on core loans<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18423 ss305\"><div><div class=\"ps2632 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.9pt\"></span></span><span class=\"ps2240\">(97)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps18424 ss305\"><div><div class=\"ps2632 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.9pt\"></span></span><span class=\"ps2240\">(97)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9269 ss2147\"><div><div class=\"ps815 ss2146\"><span class=\"f charStyle-9458d4de ps7\">Average gross core loans subject to ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18426 ss305\"><div><div class=\"ps4184 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.75pt\"></span></span><span class=\"ps18425\">16\u00a0810<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11220 ss305\"><div><div class=\"ps4184 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.88pt\"></span></span><span class=\"ps14988\">16\u00a0270<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9274 ss2147\"><div><div class=\"ps815 ss2146\"><span class=\"f charStyle-b7f6e8e5 ps7\">An analysis of Stage 3 gross core loans subject to ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9280 ss2147\"><div><div class=\"ps815 ss2146\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 3 net of ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18427 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.3pt\"></span></span><span class=\"ps15293\">440<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps18429 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.56pt\"></span></span><span class=\"ps18428\">452<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8460 ss2147\"><div><div class=\"ps815 ss2146\"><span class=\"f charStyle-2b0f4fe0 ps7\">Aggregate collateral and other credit enhancements on Stage 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18431 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.68pt\"></span></span><span class=\"ps18430\">461<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps18432 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.67pt\"></span></span><span class=\"ps18397\">455<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2406 ss2147\"><div><div class=\"ps815 ss2146\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 3 as a % of gross core loans subject to ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18434 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0 ps18433\">3.4%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps18435 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0 ps18433\">3.4%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps8482 ss2147\"><div><div class=\"ps815 ss2146\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 3 net of ECL as a % of net core loans subject to ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps18436 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0 ps18415\">2.6%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps18437 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0 ps8027\">2.8%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps18447 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps23\">Note: Our exposure (net of ECL) to the Legacy portfolio has reduced from \u00a3<span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps18439\">27<span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps18440\"> million at </span><span class=\"f charStyle-207fba8f ps18441\">31 March 2025<span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps18442\"> to \u00a3<span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps18443\">24<span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps18444\"> million at <span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps18445\">31 March 2026<span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps18446\">. These Legacy assets are <span class=\"f ps2\"> </span></span></div><div class=\"ps18451 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps23\">predominantly reported in Stage 3.<span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps18448\"> These assets have been significantly provided for and coverage remains high at </span><span class=\"f charStyle-207fba8f ps18449\">47.7%</span><span class=\"f charStyle-207fba8f ps18450\">. </span></div><div class=\"ps18452 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Refer to definitions on page </span></span><span class=\"f charStyle-dc443274 ps5415\"><a class=\"Hyperlink\" href=\"#iccba24ea0cd14a1fbe74568356c33a8e_481\" style=\"z-index:1\">212</a><span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps5416\">.\u00a0 <span class=\"f ps2\"> </span></span></div><div class=\"ps18455 ss8\"><div class=\"ss2152 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:18.75pt\"></td><td style=\"padding:0;width:309pt\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss2149\"><div><div class=\"ps28 ss740\"><div class=\"ps18454\"><div class=\"ps19\"><img alt=\"Unaudited_information.svg\" id=\"i-174\" src=\"data:image/svg+xml;base64,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\" style=\"height:13.52pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps3212 ss2151\"><div><div class=\"ps18250 ss2150\"><span class=\"f charStyle-b9f48ea1 ps7\">An analysis of gross core loans by country of exposure<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps18460 ss8\"><div class=\"ss125 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:234pt\"></td><td style=\"padding:0;width:12pt\"></td><td style=\"padding:0;width:234pt\"></td></tr><tr style=\"height:12.75pt\"><td style=\"padding:0\"><div class=\"ps19 ss2153\"><div><div class=\"ps29 ss607\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps7\">31 March 2026</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps3813 ss2153\"><div><div class=\"ps29 ss607\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps7\">31 March 2025</span><span class=\"f charStyle-6826b85b ps18456\"><sup>^</sup></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2743 ss2154\"><div><div class=\"ps2632 ss607\" style=\"font-size:12pt\"><span class=\"f charStyle-9458d4de ps7\">\u00a3</span><span class=\"f charStyle-9458d4de ps18457\">18\u00a0011<span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps18458\"> million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps18459 ss2154\"><div><div class=\"ps2632 ss607\" style=\"font-size:12pt\"><span class=\"f charStyle-9458d4de ps7\">\u00a3</span><span class=\"f charStyle-9458d4de ps18457\">16\u00a0990<span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps10135\"> million<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps18462 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-4646bb92\"><span class=\"ps3808\"><span style=\"display:inline-block;height:103.46pt;width:30.11pt\"></span></span></span><div class=\"ps14\"><div class=\"ps19\"><img alt=\"799\" id=\"i-175\" 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\" style=\"height:103.46pt;width:225pt\"/></div></div><div class=\"ps18461\"><div class=\"ps19\"><img alt=\"801\" id=\"i-176\" 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\" style=\"height:103.46pt;width:225pt\"/></div></div></div><div class=\"ps18489 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:15.75pt\"></td><td style=\"padding:0;width:168.75pt\"></td><td style=\"padding:0;width:30pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:15.75pt\"></td><td style=\"padding:0;width:168.75pt\"></td><td style=\"padding:0;width:30pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps19 ss2155\"><div><div class=\"ps28 ss1265\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Investec_Pie-chart_Letters-01.svg\" id=\"i-177\" src=\"data:image/svg+xml;base64,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\" style=\"height:9.19pt;width:11.34pt\"/></div></div></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps6476 ss2156\"><div><div class=\"ps18464 ss1858\"><span class=\"f charStyle-73034ed3 ps7\">United Kingdom<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps18466 ss910\"><div><div class=\"ps18464 ss784\"><span class=\"f charStyle-73034ed3\"><span class=\"ps18465\"></span><span class=\"ps18465\">82.6</span><span class=\"ps9470\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps18467 ss2155\"><div><div class=\"ps28 ss1265\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Investec_Pie-chart_Letters-01.svg\" id=\"i-178\" src=\"data:image/svg+xml;base64,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\" style=\"height:9.19pt;width:11.34pt\"/></div></div></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps987 ss2156\"><div><div class=\"ps18464 ss1858\"><span class=\"f charStyle-73034ed3 ps7\">United Kingdom<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps3815 ss910\"><div><div class=\"ps18464 ss784\"><span class=\"f charStyle-73034ed3\"><span class=\"ps6705\"></span><span class=\"ps6705\">83.5</span><span class=\"ps18468\">%</span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps2724 ss2155\"><div><div class=\"ps28 ss1265\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Investec_Pie-chart_Letters-02.svg\" id=\"i-179\" src=\"data:image/svg+xml;base64,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\" style=\"height:9.19pt;width:11.34pt\"/></div></div></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps18469 ss2156\"><div><div class=\"ps18464 ss1858\"><span class=\"f charStyle-73034ed3 ps7\">Europe (excluding UK)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps18471 ss910\"><div><div class=\"ps18464 ss784\"><span class=\"f charStyle-73034ed3\"><span class=\"ps18470\"></span><span class=\"ps18470\">10.6</span><span class=\"ps18468\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps18472 ss2155\"><div><div class=\"ps28 ss1265\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Investec_Pie-chart_Letters-02.svg\" id=\"i-180\" src=\"data:image/svg+xml;base64,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\" style=\"height:9.19pt;width:11.34pt\"/></div></div></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps18473 ss2156\"><div><div class=\"ps18464 ss1858\"><span class=\"f charStyle-73034ed3 ps7\">Europe (excluding UK)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps4065 ss910\"><div><div class=\"ps18464 ss784\"><span class=\"f charStyle-73034ed3\"><span class=\"ps18474\"></span><span class=\"ps18474\">10.0</span><span class=\"ps18468\">%</span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps4066 ss2155\"><div><div class=\"ps28 ss1265\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Investec_Pie-chart_Letters-03.svg\" id=\"i-181\" src=\"data:image/svg+xml;base64,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\" style=\"height:9.19pt;width:11.34pt\"/></div></div></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps18475 ss2156\"><div><div class=\"ps18464 ss1858\"><span class=\"f charStyle-73034ed3 ps7\">North America<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps18476 ss910\"><div><div class=\"ps18464 ss784\"><span class=\"f charStyle-73034ed3\"><span class=\"ps14331\"></span><span class=\"ps14331\">4.4</span><span class=\"ps18468\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps18477 ss2155\"><div><div class=\"ps28 ss1265\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Investec_Pie-chart_Letters-03.svg\" id=\"i-182\" src=\"data:image/svg+xml;base64,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\" style=\"height:9.19pt;width:11.34pt\"/></div></div></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps18478 ss2156\"><div><div class=\"ps18464 ss1858\"><span class=\"f charStyle-73034ed3 ps7\">North America<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps4071 ss910\"><div><div class=\"ps18464 ss784\"><span class=\"f charStyle-73034ed3\"><span class=\"ps14331\"></span><span class=\"ps14331\">4.4</span><span class=\"ps18468\">%</span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps3516 ss2155\"><div><div class=\"ps28 ss1265\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Investec_Pie-chart_Letters-04.svg\" id=\"i-183\" src=\"data:image/svg+xml;base64,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\" style=\"height:9.19pt;width:11.34pt\"/></div></div></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps18479 ss2156\"><div><div class=\"ps18464 ss1858\"><span class=\"f charStyle-73034ed3 ps7\">Asia<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps18481 ss910\"><div><div class=\"ps18464 ss784\"><span class=\"f charStyle-73034ed3\"><span class=\"ps18480\"></span><span class=\"ps18480\">2.0</span><span class=\"ps18468\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps18482 ss2155\"><div><div class=\"ps28 ss1265\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Investec_Pie-chart_Letters-04.svg\" id=\"i-184\" src=\"data:image/svg+xml;base64,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\" style=\"height:9.19pt;width:11.34pt\"/></div></div></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps18483 ss2156\"><div><div class=\"ps18464 ss1858\"><span class=\"f charStyle-73034ed3 ps7\">Asia<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps4076 ss910\"><div><div class=\"ps18464 ss784\"><span class=\"f charStyle-73034ed3\"><span class=\"ps16707\"></span><span class=\"ps16707\">1.7</span><span class=\"ps18468\">%</span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps4077 ss2155\"><div><div class=\"ps28 ss1265\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Investec_Pie-chart_Letters-05.svg\" id=\"i-185\" src=\"data:image/svg+xml;base64,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\" style=\"height:9.19pt;width:11.34pt\"/></div></div></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps18484 ss2156\"><div><div class=\"ps18464 ss1858\"><span class=\"f charStyle-73034ed3 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps18486 ss910\"><div><div class=\"ps18464 ss784\"><span class=\"f charStyle-73034ed3\"><span class=\"ps18485\"></span><span class=\"ps18485\">0.4</span><span class=\"ps18468\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps18487 ss2155\"><div><div class=\"ps28 ss1265\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Investec_Pie-chart_Letters-05.svg\" id=\"i-186\" src=\"data:image/svg+xml;base64,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\" style=\"height:9.19pt;width:11.34pt\"/></div></div></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps18488 ss2156\"><div><div class=\"ps18464 ss1858\"><span class=\"f charStyle-73034ed3 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps4082 ss910\"><div><div class=\"ps18464 ss784\"><span class=\"f charStyle-73034ed3\"><span class=\"ps18485\"></span><span class=\"ps18485\">0.4</span><span class=\"ps18468\">%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps18490 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^ <span style=\"display:inline-block;height:5.81pt;width:9.82pt\"></span></span></span><span class=\"f charStyle-207fba8f ps968\">Re-presented as detailed on page 167.</span></div></div><div><div class=\"ps181 ss8\"><div class=\"ss2157 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:435pt\"></td></tr><tr style=\"height:17.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss2158\"><div><div class=\"ps18124 ss2157\"><span class=\"f charStyle-0e78c81e ps7\">An analysis of staging and ECL movements for core loans subject to ECL<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps18496 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The table below indicates underlying movements in gross core loans subject to ECL from </span><span class=\"f charStyle-33e1c6d6 ps18492\">31 March 2025</span><span class=\"f charStyle-33e1c6d6 ps18493\"> to </span><span class=\"f charStyle-33e1c6d6 ps18494\">31 March 2026</span><span class=\"f charStyle-33e1c6d6 ps18495\">. </span></div><div class=\"ps18497 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps699\">The transfers between stages of gross core loans indicate the impact of stage transfers upon the gross exposure and associated </span></div><div class=\"ps18498 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">opening ECL. </span></div><div class=\"ps18499 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The reduction in Stage 2 exposures since 31 March 2025 reflected increased repayments and settlements, together with </span></div><div class=\"ps18500 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">migrations into Stage 3.</span></div><div class=\"ps18501 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The net remeasurement of ECL arising from stage transfers represents the (increase)/decrease in ECL due to these transfers. New </span></div><div class=\"ps18502 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">lending net of repayments comprises new originations, further drawdowns, repayments, sell-downs as well as Stage 3 exposures </span></div><div class=\"ps18503 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and related ECLs that have been written off.</span></div><div class=\"ps18504 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The ECL impact of changes to risk parameters and models during the year relate to the adjustment of model changes to more </span></div><div class=\"ps18505 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">effectively calculate probability of default (PD) reflective of the current experience in the economic environment. The foreign </span></div><div class=\"ps18506 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">exchange and other category largely comprises the impact on the closing balance as a result of movements and translations in </span></div><div class=\"ps18510 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">foreign exchange rates since </span><span class=\"f charStyle-33e1c6d6 ps18507\">31 March 2025</span><span class=\"f charStyle-33e1c6d6 ps18508\">. </span><span class=\"f charStyle-33e1c6d6 ps18509\"> </span></div><div class=\"ps18782 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:208.5pt\"></td><td style=\"padding:0;width:33.75pt\"></td><td style=\"padding:0;width:33.75pt\"></td><td style=\"padding:0;width:33.75pt\"></td><td style=\"padding:0;width:33.75pt\"></td><td style=\"padding:0;width:33.75pt\"></td><td style=\"padding:0;width:33.75pt\"></td><td style=\"padding:0;width:36pt\"></td><td style=\"padding:0;width:33.75pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18511 ss2159\"><div><div class=\"ps809 ss1360\"><span class=\"f charStyle-a26246ce ps12488\">Stage 1<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps16387 ss2159\"><div><div class=\"ps809 ss1360\"><span class=\"f charStyle-a26246ce ps18512\">Stage 2<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18513 ss2159\"><div><div class=\"ps809 ss1360\"><span class=\"f charStyle-a26246ce ps9223\">Stage 3<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18515 ss2160\"><div><div class=\"ps809 ss2109\"><span class=\"f charStyle-a26246ce ps18514\">Total<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss2161\"><div><div class=\"ps1400 ss744\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18516 ss2162\"><div><div class=\"ps1404 ss1284\"><span class=\"f charStyle-8d4b9b37 ps8326\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss1284\"><span class=\"f charStyle-8d4b9b37 ps6429\">exposure<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18518 ss2162\"><div><div class=\"ps1400 ss1284\"><span class=\"f charStyle-6f1c08a8 ps18517\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18519 ss2162\"><div><div class=\"ps1404 ss1284\"><span class=\"f charStyle-8d4b9b37 ps8326\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss1284\"><span class=\"f charStyle-8d4b9b37 ps6429\">exposure<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18520 ss2162\"><div><div class=\"ps1400 ss1284\"><span class=\"f charStyle-6f1c08a8 ps18517\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18521 ss2162\"><div><div class=\"ps1404 ss1284\"><span class=\"f charStyle-8d4b9b37 ps8326\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss1284\"><span class=\"f charStyle-8d4b9b37 ps6429\">exposure<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14234 ss2162\"><div><div class=\"ps1400 ss1284\"><span class=\"f charStyle-6f1c08a8 ps18517\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18523 ss2163\"><div><div class=\"ps1404 ss310\"><span class=\"f charStyle-ef17fa27 ps10534\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss310\"><span class=\"f charStyle-ef17fa27 ps18522\">exposure</span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18524 ss2162\"><div><div class=\"ps1400 ss1284\"><span class=\"f charStyle-ef17fa27 ps14437\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps362 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-b7f6e8e5 ps7\">At 31 March 2025^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18526 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:2.2pt\"></span></span><span class=\"ps18525\">14\u00a0524<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18527 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.23pt\"></span></span><span class=\"ps139\">(34)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18529 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.36pt\"></span></span><span class=\"ps18528\">1\u00a0331<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18530 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.64pt\"></span></span><span class=\"ps15995\">(31)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18532 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.59pt\"></span></span><span class=\"ps18531\">563<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18533 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.24pt\"></span></span><span class=\"ps16218\">(111)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.5pt solid #000;padding:0\"><div class=\"ps16855 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.51pt\"></span></span><span class=\"ps18534\">16\u00a0418<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18535 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.17pt\"></span></span><span class=\"ps9212\">(176)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2487 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-b7f6e8e5 ps7\">Lending collateralised by property at 31 March 2025^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18536 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.13pt\"></span></span><span class=\"ps2714\">1\u00a0910<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18537 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.42pt\"></span></span><span class=\"ps16431\">(5)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18538 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.56pt\"></span></span><span class=\"ps17646\">248<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18539 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.31pt\"></span></span><span class=\"ps9575\">(3)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18540 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.86pt\"></span></span><span class=\"ps3514\">165<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18541 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.64pt\"></span></span><span class=\"ps15995\">(31)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18542 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.51pt\"></span></span><span class=\"ps1496\">2\u00a0323<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18543 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.36pt\"></span></span><span class=\"ps10357\">(39)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2492 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Transfer from Stage 1<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18545 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.05pt\"></span></span><span class=\"ps18544\">(69)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18547 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18548 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.64pt\"></span></span><span class=\"ps12137\">69<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18549 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18550 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18551 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18552 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18553 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps192 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Transfer from Stage 2<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18554 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.87pt\"></span></span><span class=\"ps15321\">47<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18555 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.85pt\"></span></span><span class=\"ps11241\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18556 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.05pt\"></span></span><span class=\"ps18544\">(96)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18558 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.21pt\"></span></span><span class=\"ps18557\">2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18559 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.52pt\"></span></span><span class=\"ps13299\">49<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18560 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.85pt\"></span></span><span class=\"ps11241\">(1)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18561 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18562 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2501 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Transfer from Stage 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18563 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18564 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18565 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18566 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18567 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18568 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18569 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18570 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2506 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">ECL remeasurement arising from transfer of stage<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18571 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18572 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18573 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18574 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18575 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18576 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.85pt\"></span></span><span class=\"ps11241\">(1)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18577 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18578 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.85pt\"></span></span><span class=\"ps11241\">(1)</span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2511 ss2166\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">New lending net of repayments (includes assets <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">written off)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18579 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.42pt\"></span></span><span class=\"ps17920\">227<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18580 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.44pt\"></span></span><span class=\"ps3529\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18581 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.05pt\"></span></span><span class=\"ps18544\">(92)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18582 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18583 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.02pt\"></span></span><span class=\"ps15396\">(60)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18585 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.62pt\"></span></span><span class=\"ps18584\">(6)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18587 ss2168\"><div><div class=\"ps469 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.35pt\"></span></span><span class=\"ps18586\">75<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18588 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.73pt\"></span></span><span class=\"ps10169\">(5)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2367 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Changes to risk parameters and models<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18589 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18590 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.62pt\"></span></span><span class=\"ps18584\">(2)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18591 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18592 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18593 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18594 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18595 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18596 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.62pt\"></span></span><span class=\"ps18584\">(2)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2368 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Foreign exchange and other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps18597 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18598 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18599 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18600 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18601 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18602 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18603 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18604 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2372 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-b7f6e8e5 ps7\">Lending collateralised by property at 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18605 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.69pt\"></span></span><span class=\"ps11639\">2\u00a0115<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18606 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.79pt\"></span></span><span class=\"ps10386\">(7)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18607 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.97pt\"></span></span><span class=\"ps17045\">129<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18608 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.58pt\"></span></span><span class=\"ps11124\">(1)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18610 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.73pt\"></span></span><span class=\"ps18609\">154<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18611 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.36pt\"></span></span><span class=\"ps10357\">(39)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18612 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.27pt\"></span></span><span class=\"ps15114\">2\u00a0398<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18614 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.71pt\"></span></span><span class=\"ps18613\">(47)</span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"><div class=\"ps2376 ss2169\"><div><div class=\"ps997 ss744\"><span class=\"f charStyle-b7f6e8e5 ps7\">HNW and other private client lending at 31 March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18615 ss1288\"><div><div class=\"ps997 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.56pt\"></span></span><span class=\"ps17125\">5\u00a0409<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18616 ss1288\"><div><div class=\"ps997 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.3pt\"></span></span><span class=\"ps9492\">(9)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18617 ss1288\"><div><div class=\"ps997 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.15pt\"></span></span><span class=\"ps17216\">222<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18618 ss1288\"><div><div class=\"ps997 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.58pt\"></span></span><span class=\"ps11124\">(1)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18619 ss1288\"><div><div class=\"ps997 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.86pt\"></span></span><span class=\"ps3514\">195<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18620 ss1288\"><div><div class=\"ps997 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.63pt\"></span></span><span class=\"ps15081\">(19)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18621 ss2170\"><div><div class=\"ps997 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.38pt\"></span></span><span class=\"ps13472\">5\u00a0826<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18622 ss1288\"><div><div class=\"ps997 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.58pt\"></span></span><span class=\"ps15124\">(29)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2532 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Transfer from Stage 1<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18623 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.56pt\"></span></span><span class=\"ps17646\">(104)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18624 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18625 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.34pt\"></span></span><span class=\"ps9496\">77<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18626 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18627 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.99pt\"></span></span><span class=\"ps12032\">27<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18628 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18629 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18630 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2384 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Transfer from Stage 2<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18631 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.98pt\"></span></span><span class=\"ps14958\">15<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18632 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18634 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.91pt\"></span></span><span class=\"ps18633\">(36)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18635 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18636 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.87pt\"></span></span><span class=\"ps586\">21<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14458 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18637 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18638 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2388 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Transfer from Stage 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18639 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18640 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18641 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.75pt\"></span></span><span class=\"ps10275\">25<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18642 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18643 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.16pt\"></span></span><span class=\"ps14275\">(25)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14465 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18644 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18645 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps8644 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">ECL remeasurement arising from transfer of stage<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18646 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18647 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18648 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18649 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18650 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18651 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.62pt\"></span></span><span class=\"ps18584\">(2)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18652 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18653 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.62pt\"></span></span><span class=\"ps18584\">(2)</span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps8645 ss2166\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">New lending net of repayments (includes assets <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">written off)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18654 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.92pt\"></span></span><span class=\"ps14427\">543<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18655 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.44pt\"></span></span><span class=\"ps3529\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18656 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.91pt\"></span></span><span class=\"ps3522\">(101)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18657 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18658 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.91pt\"></span></span><span class=\"ps18633\">(32)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18659 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.73pt\"></span></span><span class=\"ps10169\">(5)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18660 ss2168\"><div><div class=\"ps469 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.4pt\"></span></span><span class=\"ps13510\">410<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18661 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.5pt\"></span></span><span class=\"ps8426\">(4)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps13097 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Changes to risk parameters and models<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18662 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18663 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18664 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18665 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18666 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18667 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18668 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18669 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps13101 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Foreign exchange and other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps18670 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.21pt\"></span></span><span class=\"ps18557\">2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18671 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.44pt\"></span></span><span class=\"ps3529\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18672 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18673 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18674 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.21pt\"></span></span><span class=\"ps18557\">2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18675 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18676 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.34pt\"></span></span><span class=\"ps12222\">4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18677 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.44pt\"></span></span><span class=\"ps3529\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13106 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-b7f6e8e5 ps7\">HNW and other private client lending at 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18679 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.02pt\"></span></span><span class=\"ps18678\">5\u00a0865<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18680 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.79pt\"></span></span><span class=\"ps10386\">(7)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18681 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.23pt\"></span></span><span class=\"ps139\">187<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18682 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.58pt\"></span></span><span class=\"ps11124\">(1)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18684 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.74pt\"></span></span><span class=\"ps18683\">188<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18685 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.58pt\"></span></span><span class=\"ps15124\">(26)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18687 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.92pt\"></span></span><span class=\"ps18686\">6\u00a0240<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18688 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.23pt\"></span></span><span class=\"ps139\">(34)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2410 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-b7f6e8e5 ps7\">Corporate and other lending at 31 March 2025^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18690 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.41pt\"></span></span><span class=\"ps18689\">7\u00a0205<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18692 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.37pt\"></span></span><span class=\"ps18691\">(20)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18693 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.74pt\"></span></span><span class=\"ps18683\">861<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18694 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.07pt\"></span></span><span class=\"ps14277\">(27)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18695 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.49pt\"></span></span><span class=\"ps14686\">203<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18696 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.63pt\"></span></span><span class=\"ps15081\">(61)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18698 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.26pt\"></span></span><span class=\"ps18697\">8\u00a0269<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18700 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.47pt\"></span></span><span class=\"ps18699\">(108)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2414 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Transfer from Stage 1<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18702 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.45pt\"></span></span><span class=\"ps18701\">(539)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18703 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.21pt\"></span></span><span class=\"ps18557\">2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18704 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.15pt\"></span></span><span class=\"ps15760\">506<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18705 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.62pt\"></span></span><span class=\"ps18584\">(2)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18706 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.36pt\"></span></span><span class=\"ps4126\">33<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18707 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18708 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18709 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2418 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Transfer from Stage 2<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18711 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.76pt\"></span></span><span class=\"ps18710\">111<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18712 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.62pt\"></span></span><span class=\"ps18584\">(2)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18713 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.59pt\"></span></span><span class=\"ps12030\">(265)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18714 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.56pt\"></span></span><span class=\"ps11811\">7<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18715 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.29pt\"></span></span><span class=\"ps10290\">154<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18716 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.73pt\"></span></span><span class=\"ps10169\">(5)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18717 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18718 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2422 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Transfer from Stage 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18719 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18720 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18721 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.44pt\"></span></span><span class=\"ps3529\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18722 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18723 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.85pt\"></span></span><span class=\"ps11241\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18724 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18725 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18726 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps13121 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">ECL remeasurement arising from transfer of stage<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18727 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18728 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.21pt\"></span></span><span class=\"ps18557\">2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18729 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18730 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.61pt\"></span></span><span class=\"ps13238\">(8)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18731 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18732 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.93pt\"></span></span><span class=\"ps147\">(42)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18733 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18734 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.92pt\"></span></span><span class=\"ps17762\">(48)</span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9866 ss2166\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">New lending net of repayments (includes assets <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">written off)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18735 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.41pt\"></span></span><span class=\"ps11495\">574<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18736 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.48pt\"></span></span><span class=\"ps5099\">(3)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18738 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.17pt\"></span></span><span class=\"ps18737\">(157)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18740 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.09pt\"></span></span><span class=\"ps18739\">4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18742 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.7pt\"></span></span><span class=\"ps18741\">(154)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18743 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.5pt\"></span></span><span class=\"ps10072\">32<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18744 ss2168\"><div><div class=\"ps469 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.18pt\"></span></span><span class=\"ps13837\">263<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18745 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.36pt\"></span></span><span class=\"ps4126\">33<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps12817 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Changes to risk parameters and models<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18746 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18747 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.62pt\"></span></span><span class=\"ps18584\">(2)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18748 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18749 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18750 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18751 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.44pt\"></span></span><span class=\"ps3529\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18752 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18753 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.85pt\"></span></span><span class=\"ps11241\">(1)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps12821 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Foreign exchange and other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps18754 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.5pt\"></span></span><span class=\"ps10072\">23<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18755 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18756 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.09pt\"></span></span><span class=\"ps18739\">4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18757 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18758 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.32pt\"></span></span><span class=\"ps9255\">5<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18759 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.62pt\"></span></span><span class=\"ps18584\">(2)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18760 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.75pt\"></span></span><span class=\"ps2239\">32<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18761 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.62pt\"></span></span><span class=\"ps18584\">(2)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12825 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-b7f6e8e5 ps7\">Corporate and other lending at 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18762 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.64pt\"></span></span><span class=\"ps7308\">7\u00a0374<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18763 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.59pt\"></span></span><span class=\"ps144\">(23)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18764 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.37pt\"></span></span><span class=\"ps5428\">950<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18765 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.58pt\"></span></span><span class=\"ps15124\">(26)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18766 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.35pt\"></span></span><span class=\"ps10037\">240<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18767 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.33pt\"></span></span><span class=\"ps16028\">(77)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18768 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.02pt\"></span></span><span class=\"ps15112\">8\u00a0564<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18769 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.91pt\"></span></span><span class=\"ps158\">(126)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12321 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-b7f6e8e5 ps7\">At 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps18771 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:2.23pt\"></span></span><span class=\"ps18770\">15\u00a0354<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps18772 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.85pt\"></span></span><span class=\"ps16766\">(37)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps18774 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.29pt\"></span></span><span class=\"ps18773\">1\u00a0266<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps18775 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.58pt\"></span></span><span class=\"ps15124\">(28)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps18777 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.81pt\"></span></span><span class=\"ps18776\">582<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps18778 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.78pt\"></span></span><span class=\"ps3749\">(142)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps18780 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.1pt\"></span></span><span class=\"ps18779\">17\u00a0202<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps18781 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.91pt\"></span></span><span class=\"ps13394\">(207)</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps18783 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^ <span style=\"display:inline-block;height:5.81pt;width:9.82pt\"></span></span></span><span class=\"f charStyle-207fba8f ps968\">Re-presented as detailed on page 167.</span></div></div><div><div class=\"ps181 ss8\"><div class=\"ss47 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:209.25pt\"></td><td style=\"padding:0;width:33.75pt\"></td><td style=\"padding:0;width:33.75pt\"></td><td style=\"padding:0;width:33.75pt\"></td><td style=\"padding:0;width:33.75pt\"></td><td style=\"padding:0;width:33.75pt\"></td><td style=\"padding:0;width:33.75pt\"></td><td style=\"padding:0;width:36pt\"></td><td style=\"padding:0;width:33.75pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps8750 ss2159\"><div><div class=\"ps809 ss1360\"><span class=\"f charStyle-a26246ce ps12488\">Stage 1<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18785 ss2159\"><div><div class=\"ps809 ss1360\"><span class=\"f charStyle-a26246ce ps18512\">Stage 2<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps3318 ss2159\"><div><div class=\"ps809 ss1360\"><span class=\"f charStyle-a26246ce ps9223\">Stage 3<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps12057 ss2160\"><div><div class=\"ps809 ss2109\"><span class=\"f charStyle-a26246ce ps18514\">Total<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss2171\"><div><div class=\"ps1400 ss1040\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18786 ss2162\"><div><div class=\"ps1404 ss1284\"><span class=\"f charStyle-8d4b9b37 ps8326\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss1284\"><span class=\"f charStyle-8d4b9b37 ps6429\">exposure<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18787 ss2162\"><div><div class=\"ps1400 ss1284\"><span class=\"f charStyle-6f1c08a8 ps18517\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18788 ss2162\"><div><div class=\"ps1404 ss1284\"><span class=\"f charStyle-8d4b9b37 ps8326\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss1284\"><span class=\"f charStyle-8d4b9b37 ps6429\">exposure<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18789 ss2162\"><div><div class=\"ps1400 ss1284\"><span class=\"f charStyle-6f1c08a8 ps18517\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18790 ss2162\"><div><div class=\"ps1404 ss1284\"><span class=\"f charStyle-8d4b9b37 ps8326\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss1284\"><span class=\"f charStyle-8d4b9b37 ps6429\">exposure<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18791 ss2162\"><div><div class=\"ps1400 ss1284\"><span class=\"f charStyle-6f1c08a8 ps18517\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12144 ss2163\"><div><div class=\"ps1404 ss310\"><span class=\"f charStyle-ef17fa27 ps10534\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss310\"><span class=\"f charStyle-ef17fa27 ps18522\">exposure</span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6718 ss2162\"><div><div class=\"ps1400 ss1284\"><span class=\"f charStyle-ef17fa27 ps14437\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps362 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-b7f6e8e5 ps7\">At 31 March 2024^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18793 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:3.38pt\"></span></span><span class=\"ps18792\">14\u00a0185<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18794 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.23pt\"></span></span><span class=\"ps139\">(43)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18796 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.19pt\"></span></span><span class=\"ps18795\">1\u00a0395<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18797 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.37pt\"></span></span><span class=\"ps18691\">(33)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18798 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.73pt\"></span></span><span class=\"ps18609\">541<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18800 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.96pt\"></span></span><span class=\"ps18799\">(116)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18802 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.15pt\"></span></span><span class=\"ps18801\">16\u00a0121<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18803 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.91pt\"></span></span><span class=\"ps158\">(192)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2487 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-b7f6e8e5 ps7\">Lending collateralised by property at 31 March 2024^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18804 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.53pt\"></span></span><span class=\"ps3971\">2\u00a0155<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18806 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.42pt\"></span></span><span class=\"ps18805\">(10)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18807 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.74pt\"></span></span><span class=\"ps18683\">168<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18808 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.31pt\"></span></span><span class=\"ps9575\">(3)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18809 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.61pt\"></span></span><span class=\"ps7428\">148<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18810 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.36pt\"></span></span><span class=\"ps10357\">(39)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18812 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.9pt\"></span></span><span class=\"ps18811\">2\u00a0471<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18813 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.7pt\"></span></span><span class=\"ps7321\">(52)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2492 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Transfer from Stage 1<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18814 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.68pt\"></span></span><span class=\"ps8400\">(160)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18815 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.44pt\"></span></span><span class=\"ps3529\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18817 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.53pt\"></span></span><span class=\"ps18816\">147<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18818 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.85pt\"></span></span><span class=\"ps11241\">(1)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18819 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.73pt\"></span></span><span class=\"ps15793\">13<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18820 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18821 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18822 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps192 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Transfer from Stage 2<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18823 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.87pt\"></span></span><span class=\"ps586\">12<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18824 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18825 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.05pt\"></span></span><span class=\"ps18544\">(69)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18826 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.44pt\"></span></span><span class=\"ps3529\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18827 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.1pt\"></span></span><span class=\"ps110\">57<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18828 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.85pt\"></span></span><span class=\"ps11241\">(1)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18829 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18830 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2501 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Transfer from Stage 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18831 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18832 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18833 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18834 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18835 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18836 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18837 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18838 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2506 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">ECL remeasurement arising from transfer of stage<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18839 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18840 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18841 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18842 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18843 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18844 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18845 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18846 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2511 ss2173\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">New lending net of repayments (includes assets <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">written off)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18848 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.4pt\"></span></span><span class=\"ps18847\">(97)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18849 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.09pt\"></span></span><span class=\"ps18739\">4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18850 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.21pt\"></span></span><span class=\"ps18557\">2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18851 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18852 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.02pt\"></span></span><span class=\"ps15396\">(53)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18853 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.21pt\"></span></span><span class=\"ps18557\">9<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18854 ss2168\"><div><div class=\"ps469 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.83pt\"></span></span><span class=\"ps15341\">(148)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18855 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.73pt\"></span></span><span class=\"ps15793\">13<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2367 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Changes to risk parameters and models<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18856 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18857 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18858 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18859 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18860 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18861 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18862 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18863 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2368 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Foreign exchange and other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps18864 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18865 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18866 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18867 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18868 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18869 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2372 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-b7f6e8e5 ps7\">Lending collateralised by property at 31 March 2025^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18870 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.13pt\"></span></span><span class=\"ps2714\">1\u00a0910<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18871 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.42pt\"></span></span><span class=\"ps16431\">(5)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18872 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.56pt\"></span></span><span class=\"ps17646\">248<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18873 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.31pt\"></span></span><span class=\"ps9575\">(3)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18874 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.86pt\"></span></span><span class=\"ps3514\">165<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18875 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.64pt\"></span></span><span class=\"ps15995\">(31)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18876 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.51pt\"></span></span><span class=\"ps1496\">2\u00a0323<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18877 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.36pt\"></span></span><span class=\"ps10357\">(39)</span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"><div class=\"ps2376 ss2174\"><div><div class=\"ps997 ss1040\"><span class=\"f charStyle-b7f6e8e5 ps7\">HNW and other private client lending at 31 March 2024<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18879 ss1288\"><div><div class=\"ps997 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.14pt\"></span></span><span class=\"ps18878\">5\u00a0263<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18880 ss1288\"><div><div class=\"ps997 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.3pt\"></span></span><span class=\"ps9492\">(6)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18881 ss1288\"><div><div class=\"ps997 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.48pt\"></span></span><span class=\"ps5672\">260<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18882 ss1288\"><div><div class=\"ps997 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.58pt\"></span></span><span class=\"ps11124\">(1)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18883 ss1288\"><div><div class=\"ps997 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.02pt\"></span></span><span class=\"ps16833\">170<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18884 ss1288\"><div><div class=\"ps997 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.63pt\"></span></span><span class=\"ps15081\">(16)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18886 ss2170\"><div><div class=\"ps997 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.16pt\"></span></span><span class=\"ps18885\">5\u00a0693<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18887 ss1288\"><div><div class=\"ps997 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.59pt\"></span></span><span class=\"ps144\">(23)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2532 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Transfer from Stage 1<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18888 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.58pt\"></span></span><span class=\"ps13512\">(148)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18889 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18890 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.62pt\"></span></span><span class=\"ps11401\">88<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18891 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18892 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.61pt\"></span></span><span class=\"ps15456\">60<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18893 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18894 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18895 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2384 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Transfer from Stage 2<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18896 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.1pt\"></span></span><span class=\"ps110\">57<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18897 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18898 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.9pt\"></span></span><span class=\"ps16100\">(83)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18899 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18900 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.64pt\"></span></span><span class=\"ps12137\">26<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18901 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18902 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18903 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2388 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Transfer from Stage 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18904 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18905 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18906 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.87pt\"></span></span><span class=\"ps586\">19<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18907 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18908 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.28pt\"></span></span><span class=\"ps13559\">(19)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18909 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18910 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18911 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps8644 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">ECL remeasurement arising from transfer of stage<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18912 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18913 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18914 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18915 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18916 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18917 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.85pt\"></span></span><span class=\"ps11241\">(1)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18918 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18919 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.85pt\"></span></span><span class=\"ps11241\">(1)</span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps8645 ss2173\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">New lending net of repayments (includes assets <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">written off)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18921 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.93pt\"></span></span><span class=\"ps18920\">239<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18922 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.85pt\"></span></span><span class=\"ps11241\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18923 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.05pt\"></span></span><span class=\"ps18544\">(62)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18924 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18925 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.93pt\"></span></span><span class=\"ps147\">(42)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18926 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.62pt\"></span></span><span class=\"ps18584\">(2)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18927 ss2168\"><div><div class=\"ps469 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.52pt\"></span></span><span class=\"ps14223\">135<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18928 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.48pt\"></span></span><span class=\"ps5099\">(3)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps13097 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Changes to risk parameters and models<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18929 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18930 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.62pt\"></span></span><span class=\"ps18584\">(2)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18931 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18932 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18933 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18934 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18935 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18936 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.62pt\"></span></span><span class=\"ps18584\">(2)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps13101 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Foreign exchange and other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps18937 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.62pt\"></span></span><span class=\"ps18584\">(2)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18938 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18939 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18940 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18941 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18942 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18943 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.87pt\"></span></span><span class=\"ps13688\">(2)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18944 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13106 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-b7f6e8e5 ps7\">HNW and other private client lending at 31 March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18945 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.56pt\"></span></span><span class=\"ps17125\">5\u00a0409<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18946 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.3pt\"></span></span><span class=\"ps9492\">(9)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18947 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.15pt\"></span></span><span class=\"ps17216\">222<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18948 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.58pt\"></span></span><span class=\"ps11124\">(1)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18949 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.86pt\"></span></span><span class=\"ps3514\">195<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18950 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.63pt\"></span></span><span class=\"ps15081\">(19)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18951 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.38pt\"></span></span><span class=\"ps13472\">5\u00a0826<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18952 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.58pt\"></span></span><span class=\"ps15124\">(29)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2410 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-b7f6e8e5 ps7\">Corporate and other lending at 31 March 2024^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18954 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.76pt\"></span></span><span class=\"ps18953\">6\u00a0767<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18955 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.07pt\"></span></span><span class=\"ps14277\">(27)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18956 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.95pt\"></span></span><span class=\"ps16457\">967<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18957 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.58pt\"></span></span><span class=\"ps15124\">(29)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18959 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.93pt\"></span></span><span class=\"ps18958\">223<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18960 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.63pt\"></span></span><span class=\"ps15081\">(61)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18962 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.13pt\"></span></span><span class=\"ps18961\">7\u00a0957<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18963 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.45pt\"></span></span><span class=\"ps10069\">(117)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2414 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Transfer from Stage 1<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18964 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.35pt\"></span></span><span class=\"ps14237\">(468)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18965 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.07pt\"></span></span><span class=\"ps12905\">3<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18967 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.04pt\"></span></span><span class=\"ps18966\">431<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18968 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.48pt\"></span></span><span class=\"ps5099\">(3)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18969 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.85pt\"></span></span><span class=\"ps11806\">37<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18970 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18971 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18972 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2418 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Transfer from Stage 2<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18973 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.42pt\"></span></span><span class=\"ps17920\">272<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18974 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.5pt\"></span></span><span class=\"ps8426\">(4)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18975 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.1pt\"></span></span><span class=\"ps14272\">(344)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18976 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.21pt\"></span></span><span class=\"ps18557\">9<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18977 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.99pt\"></span></span><span class=\"ps12032\">72<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18978 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.73pt\"></span></span><span class=\"ps10169\">(5)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18979 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18980 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2422 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Transfer from Stage 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18981 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.44pt\"></span></span><span class=\"ps3529\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18982 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18983 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.1pt\"></span></span><span class=\"ps13626\">11<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18984 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.85pt\"></span></span><span class=\"ps11241\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18985 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.28pt\"></span></span><span class=\"ps13559\">(12)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18986 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.44pt\"></span></span><span class=\"ps3529\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18987 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18988 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps13121 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">ECL remeasurement arising from transfer of stage<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18989 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18990 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.07pt\"></span></span><span class=\"ps12905\">3<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18991 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18992 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.62pt\"></span></span><span class=\"ps18584\">(9)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18993 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18994 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.14pt\"></span></span><span class=\"ps11498\">(13)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18995 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18996 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.28pt\"></span></span><span class=\"ps13559\">(19)</span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9866 ss2173\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">New lending net of repayments (includes assets <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">written off)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18998 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.07pt\"></span></span><span class=\"ps18997\">666<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18999 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.62pt\"></span></span><span class=\"ps18584\">(2)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19000 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.7pt\"></span></span><span class=\"ps18741\">(198)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19001 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.21pt\"></span></span><span class=\"ps18557\">2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19002 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.94pt\"></span></span><span class=\"ps3718\">(116)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19003 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.87pt\"></span></span><span class=\"ps586\">16<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19005 ss2168\"><div><div class=\"ps469 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.29pt\"></span></span><span class=\"ps19004\">352<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps19006 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.87pt\"></span></span><span class=\"ps586\">16<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps12817 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Changes to risk parameters and models<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps19007 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19008 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.56pt\"></span></span><span class=\"ps11811\">7<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19009 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19010 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.09pt\"></span></span><span class=\"ps18739\">4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19011 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19012 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19013 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps19014 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.1pt\"></span></span><span class=\"ps13626\">11<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps12821 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Foreign exchange and other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps19015 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.77pt\"></span></span><span class=\"ps14735\">(33)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19016 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19017 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.62pt\"></span></span><span class=\"ps18584\">(6)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19018 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19019 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.85pt\"></span></span><span class=\"ps11241\">(1)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19020 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.44pt\"></span></span><span class=\"ps3529\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19021 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.15pt\"></span></span><span class=\"ps2233\">(40)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps19022 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.44pt\"></span></span><span class=\"ps3529\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12825 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-b7f6e8e5 ps7\">Corporate and other lending at 31 March 2025^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19023 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.41pt\"></span></span><span class=\"ps18689\">7\u00a0205<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19024 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.37pt\"></span></span><span class=\"ps18691\">(20)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19025 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.74pt\"></span></span><span class=\"ps18683\">861<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19026 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.07pt\"></span></span><span class=\"ps14277\">(27)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19027 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.49pt\"></span></span><span class=\"ps14686\">203<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19028 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.63pt\"></span></span><span class=\"ps15081\">(61)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19029 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.26pt\"></span></span><span class=\"ps18697\">8\u00a0269<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19030 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.47pt\"></span></span><span class=\"ps18699\">(108)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps12321 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-b7f6e8e5 ps7\">At 31 March 2025^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps19031 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:2.2pt\"></span></span><span class=\"ps18525\">14\u00a0524<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps19032 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.23pt\"></span></span><span class=\"ps139\">(34)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps19033 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.36pt\"></span></span><span class=\"ps18528\">1\u00a0331<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps19034 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.64pt\"></span></span><span class=\"ps15995\">(31)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps19035 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.59pt\"></span></span><span class=\"ps18531\">563<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps19036 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.24pt\"></span></span><span class=\"ps16218\">(111)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps19037 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.51pt\"></span></span><span class=\"ps18534\">16\u00a0418<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps19038 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.17pt\"></span></span><span class=\"ps9212\">(176)</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps19039 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^ <span style=\"display:inline-block;height:5.81pt;width:9.82pt\"></span></span></span><span class=\"f charStyle-207fba8f ps968\">Re-presented as detailed on page 167.</span></div></div><div><div class=\"ps181 ss8\"><div class=\"ss2157 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:435pt\"></td></tr><tr style=\"height:15.75pt\"><td style=\"padding:0\"><span id=\"i45a8c081432f44fb823be476738fa94c_0-0-1-1-3222700\"></span><div class=\"ps19 ss2175\"><div><div class=\"ps2057 ss2157\"><span class=\"f charStyle-0e78c81e ps7\">An analysis of credit quality by internal rating grade<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps19042 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group uses a 25-grade internal rating scale which measures the risk of default to an exposure without taking into account any </span></div><div class=\"ps19043 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">credit mitigation, such as collateral. This internal rating scale allows the Group to measure credit risk consistently across portfolios. </span></div><div class=\"ps19044 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The internal rating scale is derived from a mapping to PDs and can also be mapped to external rating agency scales.</span></div><div class=\"ps19068 ss8\"><div class=\"ss1321 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:146.25pt\"></td><td style=\"padding:0;width:20.25pt\"></td><td style=\"padding:0;width:146.25pt\"></td><td style=\"padding:0;width:20.25pt\"></td><td style=\"padding:0;width:146.25pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#303849;padding:0\"><div class=\"ps19 ss2176\"><div><div class=\"ps19046 ss510\"><span class=\"f charStyle-f6bc79a8 ps19045\">PD range<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#303849;padding:0\"></td><td style=\"background-color:#303849;padding:0\"><div class=\"ps19048 ss2176\"><div><div class=\"ps19046 ss510\"><span class=\"f charStyle-f6bc79a8 ps19047\">Investec internal rating scale<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#303849;padding:0\"></td><td style=\"background-color:#303849;padding:0\"><div class=\"ps19049 ss2176\"><div><div class=\"ps19046 ss510\"><span class=\"f charStyle-f6bc79a8 ps13323\">Indicative external rating scale<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2724 ss2176\"><div><div class=\"ps997 ss510\"><span class=\"f charStyle-2b0f4fe0 ps19050\">less than 0.538% <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19052 ss2176\"><div><div class=\"ps997 ss510\"><span class=\"f charStyle-2b0f4fe0 ps19051\">IB01 \u2013 IB12<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19054 ss2176\"><div><div class=\"ps997 ss510\"><span class=\"f charStyle-2b0f4fe0 ps19053\">AAA to BBB- <span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps4066 ss2177\"><div><div class=\"ps815 ss510\"><span class=\"f charStyle-2b0f4fe0 ps19055\">0.538% \u2013 6.089%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps19057 ss2177\"><div><div class=\"ps815 ss510\"><span class=\"f charStyle-2b0f4fe0 ps19056\">IB13 \u2013 IB19<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps19059 ss2177\"><div><div class=\"ps815 ss510\"><span class=\"f charStyle-2b0f4fe0 ps19058\">BB+ to B-<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps6726 ss2177\"><div><div class=\"ps815 ss510\"><span class=\"f charStyle-2b0f4fe0 ps16681\">greater than 6.089%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19061 ss2177\"><div><div class=\"ps815 ss510\"><span class=\"f charStyle-2b0f4fe0 ps19060\">IB20 \u2013 IB25<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19063 ss2177\"><div><div class=\"ps815 ss510\"><span class=\"f charStyle-2b0f4fe0 ps19062\">B- and below<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19065 ss2177\"><div><div class=\"ps815 ss510\"><span class=\"f charStyle-2b0f4fe0 ps19064\">Stage 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19067 ss2177\"><div><div class=\"ps815 ss510\"><span class=\"f charStyle-2b0f4fe0 ps19066\">D<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps18506 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The internal credit rating distribution below is based on the 12-month PD at </span><span class=\"f charStyle-33e1c6d6 ps19069\">31 March 2026</span><span class=\"f charStyle-33e1c6d6 ps19070\"> for gross core loans subject to ECL <span class=\"f ps2\"> </span></span></div><div class=\"ps18510 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">by\u00a0stage. The staging classifications are not only driven by the absolute PD, but on factors that determine a significant increase <span class=\"f ps2\"> </span></span></div><div class=\"ps19071 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">in\u00a0credit risk, including relative movement in PD since origination. There is therefore no direct correlation between the credit quality <span class=\"f ps2\"> </span></span></div><div class=\"ps19072 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of an exposure and its stage classification as shown in the table below:<span class=\"f ps2\"> </span></span></div><div class=\"ps19102 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:199.5pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss2178\"><div><div class=\"ps809 ss277\"><span class=\"f charStyle-a26246ce ps7\">At 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11277 ss568\"><div><div class=\"ps3707 ss296\"><span class=\"f charStyle-8d4b9b37 ps11388\">IB01-IB12<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12364 ss568\"><div><div class=\"ps3707 ss296\"><span class=\"f charStyle-8d4b9b37 ps3442\">IB13-IB19<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12490 ss568\"><div><div class=\"ps3707 ss296\"><span class=\"f charStyle-8d4b9b37 ps19073\">IB20-IB25<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1671\"><div><div class=\"ps3707 ss114\"><span class=\"f charStyle-8d4b9b37 ps17529\">Stage 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1671\"><div><div class=\"ps3707 ss114\"><span class=\"f charStyle-a26246ce ps11290\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss2179\"><div><div class=\"ps11991 ss277\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3722 ss2180\"><div><div class=\"ps997 ss277\"><span class=\"f charStyle-b7f6e8e5 ps7\">Gross core loans subject to ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps19074 ss301\"><div><div class=\"ps997 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.17pt\"></span></span><span class=\"ps15552\">5\u00a0187<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps19076 ss301\"><div><div class=\"ps997 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.98pt\"></span></span><span class=\"ps19075\">10\u00a0600<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps19078 ss301\"><div><div class=\"ps997 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.98pt\"></span></span><span class=\"ps19077\">833<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps19080 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.31pt\"></span></span><span class=\"ps19079\">582<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-top:0.5pt solid #000;padding:0\"><div class=\"ps19081 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.35pt\"></span></span><span class=\"ps11516\">17\u00a0202<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3545 ss2178\"><div><div class=\"ps815 ss277\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 1<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19082 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.94pt\"></span></span><span class=\"ps10217\">5\u00a0080<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19083 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.48pt\"></span></span><span class=\"ps9942\">9\u00a0791<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19084 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.3pt\"></span></span><span class=\"ps15293\">483<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11993 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11994 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.52pt\"></span></span><span class=\"ps8339\">15\u00a0354<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps734 ss2178\"><div><div class=\"ps815 ss277\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 2<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19085 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.12pt\"></span></span><span class=\"ps846\">107<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19086 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.53pt\"></span></span><span class=\"ps11265\">809<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19087 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.51pt\"></span></span><span class=\"ps15316\">350<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11812 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11813 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.13pt\"></span></span><span class=\"ps12181\">1\u00a0266<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps335 ss2178\"><div><div class=\"ps815 ss277\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19088 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19089 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19090 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15699 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.67pt\"></span></span><span class=\"ps11798\">582<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15700 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.67pt\"></span></span><span class=\"ps11798\">582<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps3744 ss2178\"><div><div class=\"ps815 ss277\"><span class=\"f charStyle-b7f6e8e5 ps7\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11302 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.92pt\"></span></span><span class=\"ps19091\">(5)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11304 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.59pt\"></span></span><span class=\"ps19092\">(44)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11305 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.13pt\"></span></span><span class=\"ps12242\">(16)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11306 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.28pt\"></span></span><span class=\"ps9194\">(142)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps11307 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.41pt\"></span></span><span class=\"ps8357\">(207)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1597 ss2178\"><div><div class=\"ps815 ss277\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 1<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11310 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43pt\"></span></span><span class=\"ps19093\">(4)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11312 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.64pt\"></span></span><span class=\"ps18406\">(31)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11313 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.12pt\"></span></span><span class=\"ps19094\">(2)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11314 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11315 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.76pt\"></span></span><span class=\"ps12371\">(37)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3751 ss2178\"><div><div class=\"ps815 ss277\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 2<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11318 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:44.35pt\"></span></span><span class=\"ps19095\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11320 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.64pt\"></span></span><span class=\"ps18406\">(13)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11322 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.66pt\"></span></span><span class=\"ps12702\">(14)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11323 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11324 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.54pt\"></span></span><span class=\"ps10297\">(28)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3757 ss2178\"><div><div class=\"ps815 ss277\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11327 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11329 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11330 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11331 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.09pt\"></span></span><span class=\"ps19096\">(142)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11332 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.09pt\"></span></span><span class=\"ps19096\">(142)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3763 ss2178\"><div><div class=\"ps815 ss277\"><span class=\"f charStyle-b7f6e8e5 ps7\">Coverage ratio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19097 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5 ps2185\">0.1%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19098 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5 ps18395\">0.4%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12743 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5 ps19099\">1.9%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19100 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5 ps3529\">24.4%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19101 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5 ps17550\">1.2%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps19134 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:199.5pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss2178\"><div><div class=\"ps809 ss277\"><span class=\"f charStyle-a26246ce ps7\">At 31 March 2025^<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11277 ss2181\"><div><div class=\"ps11070 ss296\"><span class=\"f charStyle-8d4b9b37 ps11388\">IB01-IB12<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12364 ss2181\"><div><div class=\"ps11070 ss296\"><span class=\"f charStyle-8d4b9b37 ps3442\">IB13-IB19<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12490 ss2181\"><div><div class=\"ps11070 ss296\"><span class=\"f charStyle-8d4b9b37 ps19073\">IB20-IB25<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-8d4b9b37 ps17529\">Stage 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps11290\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss2182\"><div><div class=\"ps4014 ss277\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss2180\"><div><div class=\"ps997 ss277\"><span class=\"f charStyle-b7f6e8e5 ps7\">Gross core loans subject to ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps19103 ss301\"><div><div class=\"ps997 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.07pt\"></span></span><span class=\"ps12419\">7\u00a0102<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps19105 ss301\"><div><div class=\"ps997 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.79pt\"></span></span><span class=\"ps19104\">8\u00a0373<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps19106 ss301\"><div><div class=\"ps997 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.76pt\"></span></span><span class=\"ps16681\">380<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps12462 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.09pt\"></span></span><span class=\"ps19096\">563<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-top:0.5pt solid #000;padding:0\"><div class=\"ps12463 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.76pt\"></span></span><span class=\"ps7142\">16\u00a0418<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps824 ss2178\"><div><div class=\"ps815 ss277\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 1<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19107 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.25pt\"></span></span><span class=\"ps11925\">6\u00a0967<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19109 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.35pt\"></span></span><span class=\"ps19108\">7\u00a0528<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12496 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.14pt\"></span></span><span class=\"ps11422\">29<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps2818 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2819 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.43pt\"></span></span><span class=\"ps9205\">14\u00a0524<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps830 ss2178\"><div><div class=\"ps815 ss277\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 2<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19110 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.77pt\"></span></span><span class=\"ps14850\">135<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19112 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.55pt\"></span></span><span class=\"ps19111\">845<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17507 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.77pt\"></span></span><span class=\"ps14850\">351<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps2820 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2821 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.08pt\"></span></span><span class=\"ps16404\">1\u00a0331<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss2178\"><div><div class=\"ps815 ss277\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19113 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16748 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17511 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps2823 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.54pt\"></span></span><span class=\"ps12182\">563<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2825 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.54pt\"></span></span><span class=\"ps12182\">563<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps843 ss2178\"><div><div class=\"ps815 ss277\"><span class=\"f charStyle-b7f6e8e5 ps7\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19114 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.92pt\"></span></span><span class=\"ps19091\">(5)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps16757 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.95pt\"></span></span><span class=\"ps19115\">(42)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps17516 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.13pt\"></span></span><span class=\"ps12242\">(18)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps2827 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.74pt\"></span></span><span class=\"ps19116\">(111)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps2829 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.67pt\"></span></span><span class=\"ps19117\">(176)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps849 ss2178\"><div><div class=\"ps815 ss277\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 1<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19119 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.23pt\"></span></span><span class=\"ps19118\">(5)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9995 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.54pt\"></span></span><span class=\"ps18404\">(28)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19120 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:44.35pt\"></span></span><span class=\"ps19095\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps2830 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2831 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.29pt\"></span></span><span class=\"ps15312\">(34)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps853 ss2178\"><div><div class=\"ps815 ss277\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 2<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19121 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19122 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.66pt\"></span></span><span class=\"ps12702\">(14)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19123 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.13pt\"></span></span><span class=\"ps9394\">(17)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11957 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11894 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.64pt\"></span></span><span class=\"ps4242\">(31)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps858 ss2178\"><div><div class=\"ps815 ss277\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19124 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19125 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19126 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11961 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.67pt\"></span></span><span class=\"ps19127\">(111)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11900 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.67pt\"></span></span><span class=\"ps19127\">(111)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps863 ss2178\"><div><div class=\"ps815 ss277\"><span class=\"f charStyle-b7f6e8e5 ps7\">Coverage ratio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19128 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5 ps2185\">0.1%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19130 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5 ps19129\">0.5%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19132 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5 ps19131\">4.7%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11963 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5 ps19133\">19.7%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11964 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5 ps11445\">1.1%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps19135 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For all other financial instruments including other financial assets (which include exposures to highly rated international banks and </span></div><div class=\"ps19136 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">corporate bonds) subject to credit risk, the Group applies credit ratings in line with its credit policies. Assessment and suitability of </span></div><div class=\"ps19137 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the rating is vetted by the applicable credit authority and monitored as part of the overall credit management process. Where new </span></div><div class=\"ps19138 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">information that may affect the risk profile becomes available, this is considered and ratings may be adjusted accordingly.</span></div><div class=\"ps19139 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span></span><span class=\"f charStyle-207fba8f ps968\">Re-presented as detailed on page 167.</span></div></div><div><div class=\"ps4165 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">An analysis of core loans by risk category \u2013 </span></div><div class=\"ps4504 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Lending collateralised by property</span></div><div class=\"ps4956 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Client quality and expertise are at the core of our credit </span></div><div class=\"ps19141 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">philosophy. We provide senior debt and other funding for </span></div><div class=\"ps19142 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">property transactions, with a preference for income-producing </span></div><div class=\"ps19143 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">assets, supported by an experienced sponsor providing a </span></div><div class=\"ps19144 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">material level of cash equity investment into the asset and </span></div><div class=\"ps19145 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">limited direct exposure to sectors more vulnerable to\u00a0cyclicality. </span></div><div class=\"ps19146 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Our exposure to the property market is well diversified with </span></div><div class=\"ps19147 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">strong bias towards prime locations for residential exposure and </span></div><div class=\"ps19148 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">focus on property fundamentals, tenant quality and income </span></div><div class=\"ps19149 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">diversity for commercial assets. Debt service cover ratios are a </span></div><div class=\"ps19150 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">key consideration in the lending process supported by </span></div><div class=\"ps19151 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reasonable loan-to-security value ratios.</span></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps74\">Year in review</span></div><div class=\"ps10770 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">L</span><span class=\"f charStyle-33e1c6d6 ps19152\">ending collateralised by property totalled</span><span class=\"f charStyle-33e1c6d6 ps19153\"> \u00a3</span><span class=\"f charStyle-33e1c6d6 ps19154\">2.5</span><span class=\"f charStyle-33e1c6d6 ps19155\"> billion or </span><span class=\"f charStyle-33e1c6d6 ps19156\">13.9%</span><span class=\"f charStyle-33e1c6d6 ps19157\"> <span class=\"f ps2\"> </span></span></div><div class=\"ps10771 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">of net core loans at </span><span class=\"f charStyle-33e1c6d6 ps19158\">31 March 2026</span><span class=\"f charStyle-33e1c6d6 ps19159\">, which remains in line with </span></div><div class=\"ps19160 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">the Group\u2019s risk appetite to maintain a reduced proportion of net </span></div><div class=\"ps19161 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">core loan exposures in property-related lending. New lending is </span></div><div class=\"ps19162 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">diversified by underlying asset classes at conservative LTVs. <span class=\"f ps2\"> </span></span></div><div class=\"ps19163 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Weighted average LTV* on lending collateralised by property </span></div><div class=\"ps19164 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">remains conservative at 58%. Development exposures are </span></div><div class=\"ps10776 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">typically undertaken at lower LTVs. These LTVs do not take into </span></div><div class=\"ps19165 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">account guarantees provided by borrowers which provide </span></div><div class=\"ps19166 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">additional security to our lending and would reduce LTV metrics </span></div><div class=\"ps19167 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">further. Property collateralised assets are almost entirely </span></div><div class=\"ps19168 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">located in the UK. </span></div><div class=\"ps19169 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Underwriting criteria remains conservative and we are </span></div><div class=\"ps19170 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">committed to following a client-centric approach to lending, </span></div><div class=\"ps19171 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">supporting counterparties with strong balance sheets and </span></div><div class=\"ps19173 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">requisite expertise.</span><span class=\"f charStyle-33e1c6d6 ps19172\"> </span></div><div class=\"ps19426 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:113.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:33.75pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:33.75pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:33.75pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:36pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"10\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps19176 ss2184\"><div><div class=\"ps8325 ss2183\"><span class=\"f charStyle-a26246ce ps19174\">Gross core loans at<span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss2183\"><span class=\"f charStyle-a26246ce ps19175\">amortised cost and FVOCI<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps19179 ss35\"><div><div class=\"ps8329 ss25\"><span class=\"f charStyle-a26246ce ps17285\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps8331 ss25\"><span class=\"f charStyle-a26246ce ps19177\">core<span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss25\"><span class=\"f charStyle-a26246ce ps19178\">loans at<span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss25\"><span class=\"f charStyle-a26246ce ps14534\">FVPL<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps19180 ss35\"><div><div class=\"ps8331 ss25\"><span class=\"f charStyle-a26246ce ps17285\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss25\"><span class=\"f charStyle-a26246ce ps19177\">core<span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss25\"><span class=\"f charStyle-a26246ce ps17671\">loans<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19181 ss2185\"><div><div class=\"ps14732 ss918\"><span class=\"f charStyle-a26246ce ps9583\">Stage 1<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19183 ss2185\"><div><div class=\"ps14732 ss918\"><span class=\"f charStyle-a26246ce ps19182\">Stage 2<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19184 ss2185\"><div><div class=\"ps14732 ss918\"><span class=\"f charStyle-a26246ce ps15598\">Stage 3<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19186 ss2185\"><div><div class=\"ps14732 ss918\"><span class=\"f charStyle-a26246ce ps19185\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps830 ss379\"><div><div class=\"ps1400 ss350\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19188 ss2186\"><div><div class=\"ps1404 ss25\"><span class=\"f charStyle-8d4b9b37 ps14587\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss25\"><span class=\"f charStyle-8d4b9b37 ps19187\">exposure<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19189 ss2186\"><div><div class=\"ps1400 ss25\"><span class=\"f charStyle-8d4b9b37 ps13751\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19190 ss2186\"><div><div class=\"ps1404 ss25\"><span class=\"f charStyle-8d4b9b37 ps14587\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss25\"><span class=\"f charStyle-8d4b9b37 ps19187\">exposure<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19191 ss2186\"><div><div class=\"ps1400 ss25\"><span class=\"f charStyle-8d4b9b37 ps13751\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19192 ss2186\"><div><div class=\"ps1404 ss25\"><span class=\"f charStyle-8d4b9b37 ps14587\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss25\"><span class=\"f charStyle-8d4b9b37 ps19187\">exposure<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19193 ss2162\"><div><div class=\"ps1400 ss1284\"><span class=\"f charStyle-8d4b9b37 ps18517\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19196 ss2186\"><div><div class=\"ps1404 ss25\"><span class=\"f charStyle-a26246ce ps19194\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss25\"><span class=\"f charStyle-a26246ce ps19195\"> exposure<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19197 ss2162\"><div><div class=\"ps1400 ss1284\"><span class=\"f charStyle-a26246ce ps14437\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps192 ss2187\"><div><div class=\"ps815 ss350\"><span class=\"f charStyle-b7f6e8e5 ps7\">At 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2501 ss2187\"><div><div class=\"ps815 ss350\"><span class=\"f charStyle-b7f6e8e5 ps7\">Commercial real estate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19198 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.05pt\"></span></span><span class=\"ps17133\">1\u00a0458<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19199 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.42pt\"></span></span><span class=\"ps9257\">(5)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19200 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.3pt\"></span></span><span class=\"ps9492\">111<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19201 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.58pt\"></span></span><span class=\"ps13517\">(1)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19202 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.42pt\"></span></span><span class=\"ps11623\">83<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19203 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.63pt\"></span></span><span class=\"ps15081\">(18)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19205 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.41pt\"></span></span><span class=\"ps19204\">1\u00a0652<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19206 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.45pt\"></span></span><span class=\"ps15083\">(24)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19208 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.9pt\"></span></span><span class=\"ps19207\">78<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19209 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.35pt\"></span></span><span class=\"ps15118\">1\u00a0730<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2506 ss2189\"><div><div class=\"ps815 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">Commercial real estate \u2013 <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">investment<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19210 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.85pt\"></span></span><span class=\"ps9416\">1\u00a0154<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19211 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.5pt\"></span></span><span class=\"ps11829\">(4)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19213 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.63pt\"></span></span><span class=\"ps19212\">98<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19215 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.85pt\"></span></span><span class=\"ps19214\">(1)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19216 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.85pt\"></span></span><span class=\"ps11241\">73<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19217 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.28pt\"></span></span><span class=\"ps13559\">(16)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19219 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.6pt\"></span></span><span class=\"ps19218\">1\u00a0325<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19220 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.28pt\"></span></span><span class=\"ps13559\">(21)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19221 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.99pt\"></span></span><span class=\"ps8476\">76<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19223 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.71pt\"></span></span><span class=\"ps19222\">1\u00a0401<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps45 ss2189\"><div><div class=\"ps815 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">Commercial real estate \u2013 <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">development<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps19224 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.93pt\"></span></span><span class=\"ps4345\">293<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19225 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.85pt\"></span></span><span class=\"ps19214\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19226 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19227 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19229 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.84pt\"></span></span><span class=\"ps19228\">10<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19230 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.62pt\"></span></span><span class=\"ps18584\">(2)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19231 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.76pt\"></span></span><span class=\"ps15028\">303<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19232 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.48pt\"></span></span><span class=\"ps5099\">(3)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps19233 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.21pt\"></span></span><span class=\"ps15754\">2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19235 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.01pt\"></span></span><span class=\"ps19234\">305<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9241 ss2189\"><div><div class=\"ps815 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">Commercial vacant land <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">and planning<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps19236 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.1pt\"></span></span><span class=\"ps12152\">11<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19237 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19238 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.73pt\"></span></span><span class=\"ps9685\">13<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19239 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19240 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19241 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19242 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.52pt\"></span></span><span class=\"ps11546\">24<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19243 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19244 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19245 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.52pt\"></span></span><span class=\"ps13299\">24<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12562 ss2187\"><div><div class=\"ps815 ss350\"><span class=\"f charStyle-b7f6e8e5 ps7\">Residential real estate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19247 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.07pt\"></span></span><span class=\"ps19246\">657<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19248 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">(2)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19250 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.69pt\"></span></span><span class=\"ps19249\">18<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19252 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.81pt\"></span></span><span class=\"ps19251\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19253 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.18pt\"></span></span><span class=\"ps11704\">71<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19254 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.86pt\"></span></span><span class=\"ps10367\">(21)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19256 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.82pt\"></span></span><span class=\"ps19255\">746<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19257 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.59pt\"></span></span><span class=\"ps144\">(23)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19259 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.54pt\"></span></span><span class=\"ps19258\">53<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19260 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.95pt\"></span></span><span class=\"ps16457\">799<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps3669 ss2189\"><div><div class=\"ps815 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">Residential real estate \u2013 <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">investment<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19261 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.92pt\"></span></span><span class=\"ps14429\">420<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19262 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.85pt\"></span></span><span class=\"ps19214\">(1)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19263 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19264 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19265 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.73pt\"></span></span><span class=\"ps9685\">31<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19266 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.5pt\"></span></span><span class=\"ps8426\">(4)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19268 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.29pt\"></span></span><span class=\"ps19267\">451<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19269 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.73pt\"></span></span><span class=\"ps10169\">(5)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19271 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.61pt\"></span></span><span class=\"ps19270\">53<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19272 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.03pt\"></span></span><span class=\"ps13520\">504<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps4319 ss2189\"><div><div class=\"ps815 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">Residential real estate \u2013 <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">development<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps19274 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.95pt\"></span></span><span class=\"ps19273\">224<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19275 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.85pt\"></span></span><span class=\"ps19214\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19277 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.86pt\"></span></span><span class=\"ps19276\">18<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19278 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19279 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.98pt\"></span></span><span class=\"ps8471\">15<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19280 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.85pt\"></span></span><span class=\"ps11241\">(1)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19281 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.53pt\"></span></span><span class=\"ps3237\">257<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19282 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.62pt\"></span></span><span class=\"ps18584\">(2)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps19283 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19284 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.53pt\"></span></span><span class=\"ps10562\">257<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps19285 ss2189\"><div><div class=\"ps815 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">Residential vacant land <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">and planning<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps19286 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.73pt\"></span></span><span class=\"ps9685\">13<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19287 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19288 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19289 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19290 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.75pt\"></span></span><span class=\"ps11653\">25<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19291 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.28pt\"></span></span><span class=\"ps13559\">(16)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19292 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.49pt\"></span></span><span class=\"ps14087\">38<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19293 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.28pt\"></span></span><span class=\"ps13559\">(16)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19294 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19295 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.49pt\"></span></span><span class=\"ps15558\">38<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9274 ss2189\"><div><div class=\"ps815 ss350\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total lending collateralised <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss350\"><span class=\"f charStyle-b7f6e8e5 ps7\">by property<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19296 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.69pt\"></span></span><span class=\"ps10372\">2\u00a0115<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19297 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.79pt\"></span></span><span class=\"ps15154\">(7)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19298 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.97pt\"></span></span><span class=\"ps3510\">129<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19299 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.58pt\"></span></span><span class=\"ps13517\">(1)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19300 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.73pt\"></span></span><span class=\"ps14952\">154<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19301 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.36pt\"></span></span><span class=\"ps10357\">(39)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19303 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.02pt\"></span></span><span class=\"ps19302\">2\u00a0398<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19304 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.71pt\"></span></span><span class=\"ps18613\">(47)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19306 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.03pt\"></span></span><span class=\"ps19305\">131<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19307 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.36pt\"></span></span><span class=\"ps17186\">2\u00a0529<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9712 ss2187\"><div><div class=\"ps815 ss350\"><span class=\"f charStyle-b7f6e8e5 ps7\">Coverage ratio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps19309 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5 ps19308\">0.33%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps19310 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5 ps6586\">0.8%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps19311 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5 ps13592\">25.3%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19312 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5 ps8028\">2.0%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4715 ss2187\"><div><div class=\"ps815 ss350\"><span class=\"f charStyle-b7f6e8e5 ps7\">At 31 March 2025^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9720 ss2187\"><div><div class=\"ps815 ss350\"><span class=\"f charStyle-b7f6e8e5 ps7\">Commercial real estate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19313 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.69pt\"></span></span><span class=\"ps10372\">1\u00a0251<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19314 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.17pt\"></span></span><span class=\"ps12229\">(4)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19315 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.97pt\"></span></span><span class=\"ps3510\">219<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19316 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.31pt\"></span></span><span class=\"ps9242\">(3)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19317 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.91pt\"></span></span><span class=\"ps9536\">73<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19318 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.3pt\"></span></span><span class=\"ps9492\">(9)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19320 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.06pt\"></span></span><span class=\"ps19319\">1\u00a0543<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19321 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.63pt\"></span></span><span class=\"ps15081\">(16)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19322 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.4pt\"></span></span><span class=\"ps14693\">45<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19324 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.18pt\"></span></span><span class=\"ps19323\">1\u00a0588<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9725 ss2189\"><div><div class=\"ps815 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">Commercial real estate \u2013 <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">investment<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19326 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.34pt\"></span></span><span class=\"ps19325\">1\u00a0043<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19327 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.5pt\"></span></span><span class=\"ps11829\">(4)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19328 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.41pt\"></span></span><span class=\"ps14967\">125<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19329 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.62pt\"></span></span><span class=\"ps9325\">(2)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19330 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.85pt\"></span></span><span class=\"ps11241\">73<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19331 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.62pt\"></span></span><span class=\"ps18584\">(9)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19333 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.74pt\"></span></span><span class=\"ps19332\">1\u00a0241<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19334 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.39pt\"></span></span><span class=\"ps14692\">(15)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19336 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.38pt\"></span></span><span class=\"ps19335\">34<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19338 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.09pt\"></span></span><span class=\"ps19337\">1\u00a0275<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps11254 ss2189\"><div><div class=\"ps815 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">Commercial real estate \u2013 <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">development<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps19339 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.39pt\"></span></span><span class=\"ps14692\">207<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19340 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19341 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.62pt\"></span></span><span class=\"ps13622\">88<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19342 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.85pt\"></span></span><span class=\"ps19214\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19343 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19344 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19345 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.18pt\"></span></span><span class=\"ps2227\">295<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19346 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.85pt\"></span></span><span class=\"ps11241\">(1)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps19347 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.1pt\"></span></span><span class=\"ps12152\">11<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19348 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.9pt\"></span></span><span class=\"ps12873\">306<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps12304 ss2189\"><div><div class=\"ps815 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">Commercial vacant land <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">and planning<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps19350 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.44pt\"></span></span><span class=\"ps19349\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19351 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19352 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.21pt\"></span></span><span class=\"ps15754\">6<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19353 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19354 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19355 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19356 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.56pt\"></span></span><span class=\"ps11130\">7<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19357 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19358 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19359 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.56pt\"></span></span><span class=\"ps11811\">7<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1094 ss2187\"><div><div class=\"ps815 ss350\"><span class=\"f charStyle-b7f6e8e5 ps7\">Residential real estate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19361 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.58pt\"></span></span><span class=\"ps19360\">659<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19362 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.58pt\"></span></span><span class=\"ps13517\">(1)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19364 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.64pt\"></span></span><span class=\"ps19363\">29<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19365 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.81pt\"></span></span><span class=\"ps19251\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19366 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.64pt\"></span></span><span class=\"ps19363\">92<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19367 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.81pt\"></span></span><span class=\"ps15129\">(22)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19368 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.74pt\"></span></span><span class=\"ps17668\">780<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19369 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.59pt\"></span></span><span class=\"ps144\">(23)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19370 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.48pt\"></span></span><span class=\"ps10551\">5<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19372 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.07pt\"></span></span><span class=\"ps19371\">785<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps1099 ss2189\"><div><div class=\"ps815 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">Residential real estate \u2013 <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">investment<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19373 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.15pt\"></span></span><span class=\"ps2233\">381<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19374 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.85pt\"></span></span><span class=\"ps19214\">(1)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19375 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.73pt\"></span></span><span class=\"ps9685\">13<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19376 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19377 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.52pt\"></span></span><span class=\"ps11546\">46<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19378 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.48pt\"></span></span><span class=\"ps5099\">(3)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19379 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.8pt\"></span></span><span class=\"ps14846\">440<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19380 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.5pt\"></span></span><span class=\"ps8426\">(4)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19381 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.32pt\"></span></span><span class=\"ps11174\">5<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19382 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.94pt\"></span></span><span class=\"ps3718\">445<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps19383 ss2189\"><div><div class=\"ps815 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">Residential real estate \u2013 <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">development<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps19384 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.95pt\"></span></span><span class=\"ps19273\">264<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19385 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19386 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.2pt\"></span></span><span class=\"ps16584\">8<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19387 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19388 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.86pt\"></span></span><span class=\"ps19276\">18<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19389 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.62pt\"></span></span><span class=\"ps18584\">(2)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19390 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.04pt\"></span></span><span class=\"ps9293\">290<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19391 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.62pt\"></span></span><span class=\"ps18584\">(2)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps19392 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19393 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.04pt\"></span></span><span class=\"ps11708\">290<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps19394 ss2189\"><div><div class=\"ps815 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">Residential vacant land <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">and planning<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps19395 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.75pt\"></span></span><span class=\"ps11817\">14<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19396 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19397 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.2pt\"></span></span><span class=\"ps16584\">8<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19398 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19399 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.63pt\"></span></span><span class=\"ps19212\">28<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19400 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.63pt\"></span></span><span class=\"ps16109\">(17)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19401 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.72pt\"></span></span><span class=\"ps8474\">50<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19402 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.63pt\"></span></span><span class=\"ps16109\">(17)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19403 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19405 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.72pt\"></span></span><span class=\"ps19404\">50<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19406 ss2189\"><div><div class=\"ps815 ss350\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total lending collateralised <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss350\"><span class=\"f charStyle-b7f6e8e5 ps7\">by property<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19408 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.13pt\"></span></span><span class=\"ps19407\">1\u00a0910<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19409 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.42pt\"></span></span><span class=\"ps9257\">(5)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19411 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.56pt\"></span></span><span class=\"ps19410\">248<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19412 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.31pt\"></span></span><span class=\"ps9242\">(3)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19413 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.86pt\"></span></span><span class=\"ps4332\">165<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19414 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.64pt\"></span></span><span class=\"ps15995\">(31)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19415 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.26pt\"></span></span><span class=\"ps17934\">2\u00a0323<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19416 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.36pt\"></span></span><span class=\"ps10357\">(39)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19417 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.32pt\"></span></span><span class=\"ps14788\">50<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19419 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.52pt\"></span></span><span class=\"ps19418\">2\u00a0373<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19420 ss2187\"><div><div class=\"ps815 ss350\"><span class=\"f charStyle-b7f6e8e5 ps7\">Coverage ratio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19421 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5 ps16831\">0.26%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19422 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5 ps12096\">1.2%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19424 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5 ps19423\">18.8%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19425 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5 ps10372\">1.7%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps19427 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">* <span style=\"display:inline-block;height:5.81pt;width:9.49pt\"></span></span><span class=\"ps968\">Excludes a small portion of Legacy exposures that are predominantly reported in Stage 3.</span></span></div><div class=\"ps19428 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span></span><span class=\"f charStyle-207fba8f ps968\">Re-presented as detailed on page 167.</span></div></div><div><div class=\"ps4165 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">An analysis of core loans by risk category \u2013 High </span></div><div class=\"ps4504 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">net worth and other private client lending</span></div><div class=\"ps4956 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Our Private Banking activities target high net worth individuals, </span></div><div class=\"ps19141 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">active wealth creators, high-income professionals, self-</span></div><div class=\"ps19142 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">employed entrepreneurs, owner managers in small to mid-cap </span></div><div class=\"ps19143 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">corporates and sophisticated investors.</span></div><div class=\"ps19430 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Lending products are tailored to meet the requirements of our </span></div><div class=\"ps19431 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">clients and deliver solutions to enable target clients to create </span></div><div class=\"ps19432 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and manage their wealth. Central to our credit philosophy is </span></div><div class=\"ps19433 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">ensuring the sustainability of cash flow and income throughout </span></div><div class=\"ps19434 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the cycle. As such, the client base has been defined to include </span></div><div class=\"ps19435 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">high net worth clients (who, through diversification of income </span></div><div class=\"ps19436 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">streams, should reduce income volatility) and individuals in </span></div><div class=\"ps19437 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">defined professions which have historically supported a </span></div><div class=\"ps10637 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sustainable income base, irrespective of the stage in the </span></div><div class=\"ps10638 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">economic cycle.</span></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Credit risk arises from the following activities:</span></div><div class=\"ps7744 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps663\">Mortgages: provides residential mortgage loan facilities to </span></div><div class=\"ps7745 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">target market clients</span></div><div class=\"ps3313 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps663\">Other high net worth lending: </span><span class=\"f charStyle-33e1c6d6 ps19438\">provides credit facilities to high </span></div><div class=\"ps6370 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">net worth individuals and their controlled entities as well as </span></div><div class=\"ps80 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">portfolio loans to high net worth clients against their </span></div><div class=\"ps707 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">investment portfolios typically managed by Rathbones.</span></div><div class=\"ps6372 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps74\">Year in review</span></div><div class=\"ps19440 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">H</span><span class=\"f charStyle-33e1c6d6 ps19439\">igh net worth and other private client lending totalled </span></div><div class=\"ps19447 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">\u00a3</span><span class=\"f charStyle-33e1c6d6 ps19441\">6.2</span><span class=\"f charStyle-33e1c6d6 ps19442\">\u00a0billion or </span><span class=\"f charStyle-33e1c6d6 ps19443\">35.0%</span><span class=\"f charStyle-33e1c6d6 ps19444\"> of net core loans at </span><span class=\"f charStyle-33e1c6d6 ps19445\">31 March 2026</span><span class=\"f charStyle-33e1c6d6 ps19446\">.</span></div><div class=\"ps19168 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">There was growth in mortgages of </span><span class=\"f charStyle-33e1c6d6 ps19448\">10.3%</span><span class=\"f charStyle-33e1c6d6 ps19449\"> in\u00a0the year to </span></div><div class=\"ps19450 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">31\u00a0March\u00a02026.</span></div><div class=\"ps19170 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Growth in this area has been achieved with strong adherence to </span></div><div class=\"ps19171 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">our lending criteria. Weighted average LTVs on mortgages is </span></div><div class=\"ps19173 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">65%.</span></div><div class=\"ps19426 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:90.75pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:36pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:36pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:36pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:36pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"10\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps19453 ss2191\"><div><div class=\"ps8325 ss1712\"><span class=\"f charStyle-a26246ce ps19451\">Gross core loans at<span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss1712\"><span class=\"f charStyle-a26246ce ps19452\">amortised cost and FVOCI<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps19456 ss2193\"><div><div class=\"ps8329 ss2192\"><span class=\"f charStyle-a26246ce ps19454\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps8331 ss2192\"><span class=\"f charStyle-a26246ce ps19222\">core<span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss2192\"><span class=\"f charStyle-a26246ce ps10556\">loans at<span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss2192\"><span class=\"f charStyle-a26246ce ps19455\">FVPL<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps19458 ss2193\"><div><div class=\"ps8331 ss2192\"><span class=\"f charStyle-a26246ce ps19454\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss2192\"><span class=\"f charStyle-a26246ce ps19222\">core<span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss2192\"><span class=\"f charStyle-a26246ce ps19457\">loans<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19459 ss1484\"><div><div class=\"ps809 ss1256\"><span class=\"f charStyle-a26246ce ps14117\">Stage 1<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12596 ss1484\"><div><div class=\"ps809 ss1256\"><span class=\"f charStyle-a26246ce ps19460\">Stage 2<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19462 ss1484\"><div><div class=\"ps809 ss1256\"><span class=\"f charStyle-a26246ce ps19461\">Stage 3<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19463 ss1484\"><div><div class=\"ps809 ss1256\"><span class=\"f charStyle-a26246ce ps13914\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:32.25pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps830 ss2194\"><div><div class=\"ps3317 ss174\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19465 ss2195\"><div><div class=\"ps3320 ss2192\"><span class=\"f charStyle-8d4b9b37 ps11405\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps3317 ss2192\"><span class=\"f charStyle-8d4b9b37 ps19464\">exposure<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19466 ss2195\"><div><div class=\"ps3317 ss2192\"><span class=\"f charStyle-8d4b9b37 ps15997\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19467 ss2195\"><div><div class=\"ps3320 ss2192\"><span class=\"f charStyle-8d4b9b37 ps11405\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps3317 ss2192\"><span class=\"f charStyle-8d4b9b37 ps19464\">exposure<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19468 ss2195\"><div><div class=\"ps3317 ss2192\"><span class=\"f charStyle-8d4b9b37 ps15997\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19469 ss2195\"><div><div class=\"ps3320 ss2192\"><span class=\"f charStyle-8d4b9b37 ps11405\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps3317 ss2192\"><span class=\"f charStyle-8d4b9b37 ps19464\">exposure<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19470 ss523\"><div><div class=\"ps3317 ss310\"><span class=\"f charStyle-8d4b9b37 ps11595\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19473 ss2195\"><div><div class=\"ps3320 ss2192\"><span class=\"f charStyle-a26246ce ps19471\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps3317 ss2192\"><span class=\"f charStyle-a26246ce ps19472\">exposure<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13740 ss523\"><div><div class=\"ps3317 ss310\"><span class=\"f charStyle-a26246ce ps19474\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps2501 ss2196\"><div><div class=\"ps997 ss174\"><span class=\"f charStyle-b7f6e8e5 ps7\">At 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3472 ss2197\"><div><div class=\"ps815 ss174\"><span class=\"f charStyle-2b0f4fe0 ps7\">Mortgages<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19475 ss2198\"><div><div class=\"ps815 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.85pt\"></span></span><span class=\"ps9416\">5\u00a0374<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19476 ss2198\"><div><div class=\"ps815 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.87pt\"></span></span><span class=\"ps13328\">(6)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12602 ss2198\"><div><div class=\"ps815 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.66pt\"></span></span><span class=\"ps12188\">156<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19477 ss2198\"><div><div class=\"ps815 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.1pt\"></span></span><span class=\"ps16007\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19478 ss2198\"><div><div class=\"ps815 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.78pt\"></span></span><span class=\"ps14345\">119<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19480 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.53pt\"></span></span><span class=\"ps19479\">(12)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19482 ss2198\"><div><div class=\"ps815 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.64pt\"></span></span><span class=\"ps19481\">5\u00a0649<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19483 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.53pt\"></span></span><span class=\"ps19479\">(19)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps19484 ss2198\"><div><div class=\"ps815 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.89pt\"></span></span><span class=\"ps12563\">26<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19485 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.22pt\"></span></span><span class=\"ps13116\">5\u00a0675<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps3477 ss2199\"><div><div class=\"ps815 ss174\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other high net worth <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss174\"><span class=\"f charStyle-2b0f4fe0 ps7\">lending<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19486 ss2200\"><div><div class=\"ps469 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.43pt\"></span></span><span class=\"ps9252\">491<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19487 ss2200\"><div><div class=\"ps469 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.1pt\"></span></span><span class=\"ps16007\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12607 ss2200\"><div><div class=\"ps469 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.98pt\"></span></span><span class=\"ps19488\">31<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19489 ss2200\"><div><div class=\"ps469 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.53pt\"></span></span><span class=\"ps11563\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19490 ss2200\"><div><div class=\"ps469 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.89pt\"></span></span><span class=\"ps12563\">69<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19491 ss2168\"><div><div class=\"ps469 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.41pt\"></span></span><span class=\"ps1602\">(14)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19492 ss2200\"><div><div class=\"ps469 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.66pt\"></span></span><span class=\"ps12188\">591<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19493 ss2168\"><div><div class=\"ps469 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.64pt\"></span></span><span class=\"ps11356\">(15)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps19494 ss2200\"><div><div class=\"ps469 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.81pt\"></span></span><span class=\"ps13847\">7<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19496 ss2168\"><div><div class=\"ps469 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.42pt\"></span></span><span class=\"ps19495\">598<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:30pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps2516 ss2201\"><div><div class=\"ps815 ss174\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total high net worth <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss174\"><span class=\"f charStyle-b7f6e8e5 ps7\">and other private client <span class=\"f ps2\"> </span></span></div><div class=\"ps8432 ss174\"><span class=\"f charStyle-b7f6e8e5 ps7\">lending</span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19497 ss2202\"><div><div class=\"ps8432 ss2192\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.27pt\"></span></span><span class=\"ps12119\">5\u00a0865<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19498 ss2202\"><div><div class=\"ps8432 ss2192\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.04pt\"></span></span><span class=\"ps15729\">(7)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19499 ss2202\"><div><div class=\"ps8432 ss2192\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.48pt\"></span></span><span class=\"ps10510\">187<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19501 ss2202\"><div><div class=\"ps8432 ss2192\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.83pt\"></span></span><span class=\"ps19500\">(1)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19502 ss2202\"><div><div class=\"ps8432 ss2192\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.99pt\"></span></span><span class=\"ps12032\">188<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19504 ss2203\"><div><div class=\"ps8432 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.83pt\"></span></span><span class=\"ps19503\">(26)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps19505 ss2202\"><div><div class=\"ps8432 ss2192\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.92pt\"></span></span><span class=\"ps17130\">6\u00a0240<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps19507 ss2203\"><div><div class=\"ps8432 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.48pt\"></span></span><span class=\"ps19506\">(34)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19508 ss2202\"><div><div class=\"ps8432 ss2192\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.68pt\"></span></span><span class=\"ps4225\">33<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19509 ss2203\"><div><div class=\"ps8432 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.76pt\"></span></span><span class=\"ps3471\">6\u00a0273<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12754 ss2197\"><div><div class=\"ps815 ss174\"><span class=\"f charStyle-b7f6e8e5 ps7\">Coverage ratio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps19510 ss2198\"><div><div class=\"ps815 ss2192\"><span class=\"f charStyle-b7f6e8e5 ps990\">0.12%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps19511 ss2198\"><div><div class=\"ps815 ss2192\"><span class=\"f charStyle-b7f6e8e5 ps12500\">0.5%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps19512 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-b7f6e8e5 ps1496\">13.8%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19513 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-b7f6e8e5 ps16923\">0.5%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9812 ss2197\"><div><div class=\"ps815 ss174\"><span class=\"f charStyle-b7f6e8e5 ps7\">At 31 March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12761 ss2197\"><div><div class=\"ps815 ss174\"><span class=\"f charStyle-2b0f4fe0 ps7\">Mortgages<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19514 ss2198\"><div><div class=\"ps815 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.24pt\"></span></span><span class=\"ps15329\">4\u00a0833<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19515 ss2198\"><div><div class=\"ps815 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.86pt\"></span></span><span class=\"ps5905\">(8)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12918 ss2198\"><div><div class=\"ps815 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.89pt\"></span></span><span class=\"ps10271\">151<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19516 ss2198\"><div><div class=\"ps815 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.1pt\"></span></span><span class=\"ps16007\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19517 ss2198\"><div><div class=\"ps815 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.52pt\"></span></span><span class=\"ps19073\">135<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19518 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.22pt\"></span></span><span class=\"ps12708\">(7)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19519 ss2198\"><div><div class=\"ps815 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.22pt\"></span></span><span class=\"ps11219\">5\u00a0119<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19520 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.53pt\"></span></span><span class=\"ps19479\">(16)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps19521 ss2198\"><div><div class=\"ps815 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.89pt\"></span></span><span class=\"ps12563\">26<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19523 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.98pt\"></span></span><span class=\"ps19522\">5\u00a0145<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps12766 ss2199\"><div><div class=\"ps815 ss174\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other high net worth <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss174\"><span class=\"f charStyle-2b0f4fe0 ps7\">lending<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19525 ss2200\"><div><div class=\"ps469 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.78pt\"></span></span><span class=\"ps19524\">576<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19526 ss2200\"><div><div class=\"ps469 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.1pt\"></span></span><span class=\"ps16007\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12923 ss2200\"><div><div class=\"ps469 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.47pt\"></span></span><span class=\"ps16068\">71<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19527 ss2200\"><div><div class=\"ps469 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.53pt\"></span></span><span class=\"ps11563\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19528 ss2200\"><div><div class=\"ps469 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.86pt\"></span></span><span class=\"ps12087\">60<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19529 ss2168\"><div><div class=\"ps469 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.53pt\"></span></span><span class=\"ps19479\">(12)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19530 ss2200\"><div><div class=\"ps469 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.99pt\"></span></span><span class=\"ps13012\">707<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19531 ss2168\"><div><div class=\"ps469 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.39pt\"></span></span><span class=\"ps13737\">(13)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps19533 ss2200\"><div><div class=\"ps469 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.46pt\"></span></span><span class=\"ps19532\">9<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19534 ss2168\"><div><div class=\"ps469 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.9pt\"></span></span><span class=\"ps14700\">716<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:30pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps12194 ss2201\"><div><div class=\"ps815 ss174\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total high net worth <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss174\"><span class=\"f charStyle-b7f6e8e5 ps7\">and other private client <span class=\"f ps2\"> </span></span></div><div class=\"ps8432 ss174\"><span class=\"f charStyle-b7f6e8e5 ps7\">lending</span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19535 ss2202\"><div><div class=\"ps8432 ss2192\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.81pt\"></span></span><span class=\"ps11473\">5\u00a0409<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19537 ss2202\"><div><div class=\"ps8432 ss2192\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.55pt\"></span></span><span class=\"ps19536\">(9)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps12644 ss2202\"><div><div class=\"ps8432 ss2192\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.4pt\"></span></span><span class=\"ps13646\">222<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19538 ss2202\"><div><div class=\"ps8432 ss2192\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.83pt\"></span></span><span class=\"ps19500\">(1)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19540 ss2202\"><div><div class=\"ps8432 ss2192\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.11pt\"></span></span><span class=\"ps19539\">195<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19542 ss2203\"><div><div class=\"ps8432 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.88pt\"></span></span><span class=\"ps19541\">(19)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps19543 ss2202\"><div><div class=\"ps8432 ss2192\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.38pt\"></span></span><span class=\"ps11363\">5\u00a0826<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps19544 ss2203\"><div><div class=\"ps8432 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.83pt\"></span></span><span class=\"ps19503\">(29)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19545 ss2202\"><div><div class=\"ps8432 ss2192\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.79pt\"></span></span><span class=\"ps15154\">35<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19547 ss2203\"><div><div class=\"ps8432 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.43pt\"></span></span><span class=\"ps19546\">5\u00a0861<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13097 ss2197\"><div><div class=\"ps815 ss174\"><span class=\"f charStyle-b7f6e8e5 ps7\">Coverage ratio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19548 ss2198\"><div><div class=\"ps815 ss2192\"><span class=\"f charStyle-b7f6e8e5 ps12764\">0.17%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19549 ss2198\"><div><div class=\"ps815 ss2192\"><span class=\"f charStyle-b7f6e8e5 ps12500\">0.5%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19550 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-b7f6e8e5 ps9270\">9.7%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19551 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-b7f6e8e5 ps16923\">0.5%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div></div><div><div class=\"ps181 ss8\"><div class=\"ss222 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:234.75pt\"></td></tr><tr style=\"height:27pt\"><td style=\"padding:0\"><div class=\"ps19 ss2204\"><div><div class=\"ps2838 ss222\"><span class=\"f charStyle-0e78c81e ps7\">An analysis of core loans by risk category \u2013 <span class=\"f ps2\"> </span></span></div><div class=\"ps4171 ss222\"><span class=\"f charStyle-0e78c81e ps7\">Corporate and other lending<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps9014 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">We focus on traditional client-driven corporate lending </span></div><div class=\"ps9015 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">activities.\u00a0The credit risk management functions approve </span></div><div class=\"ps9016 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">specific credit and counterparty limits that govern the maximum </span></div><div class=\"ps19552 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">credit exposure to each individual counterparty. In addition, </span></div><div class=\"ps19553 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">further risk\u00a0management limits exist through industry and </span></div><div class=\"ps19554 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">country limits\u00a0to manage concentration risk. The credit appetite </span></div><div class=\"ps19555 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">for each\u00a0counterparty is based on the financial strength of the </span></div><div class=\"ps19556 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">principal borrower, its business model and market positioning, </span></div><div class=\"ps19557 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the underlying cash flow to the transaction, the substance </span></div><div class=\"ps19558 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and\u00a0track record of management, and the security package. </span></div><div class=\"ps19559 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Political risk insurance, and other insurance is taken where </span></div><div class=\"ps19560 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">deemed appropriate.</span></div><div class=\"ps19561 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group </span><span class=\"f charStyle-33e1c6d6 ps5264\">has limited appetite for unsecured credit risk and </span></div><div class=\"ps19562 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">facilities are typically secured by the assets of the underlying </span></div><div class=\"ps19563 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">borrower as well as shares in the borrower.</span></div><div class=\"ps9026 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps23\">A summary of the nature of the lending and/or credit risk </span></div><div class=\"ps9027 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps23\">assumed within some of the key areas in our corporate lending </span></div><div class=\"ps19564 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps23\">business is provided below:</span></div><div class=\"ps19566 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2c34c19a ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2c34c19a ps461\">Corporate and acquisition finance:</span><span class=\"f charStyle-c8d875d6 ps19565\"> provides senior secured </span></div><div class=\"ps19567 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps461\">loans to proven management teams and sponsors running </span></div><div class=\"ps19568 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps461\">mid-cap, as well as some large-cap companies. Credit risk is </span></div><div class=\"ps19569 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps461\">assessed against debt serviceability based upon robust cash </span></div><div class=\"ps19570 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps461\">generation of the business demonstrated by both historical </span></div><div class=\"ps19572 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps461\">and forecast information. </span><span class=\"f charStyle-33e1c6d6 ps19571\">Corporates should demonstrate </span></div><div class=\"ps19573 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">relevance in their market, an experienced management team, </span></div><div class=\"ps19575 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">able Board members, and strong earnings and cash flow.</span><span class=\"f charStyle-c8d875d6 ps19574\"> </span></div><div class=\"ps19576 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps461\">We\u00a0typically act as a transaction lead arranger or on a club </span></div><div class=\"ps19577 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps461\">or\u00a0bi-lateral basis, and have a close relationship with </span></div><div class=\"ps19578 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps461\">management and sponsors</span></div><div class=\"ps19580 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2c34c19a ps461\">Asset-based lending:</span><span class=\"f charStyle-c8d875d6 ps19579\"> provides working capital and </span></div><div class=\"ps19581 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps461\">secured\u00a0corporate loans to mid-caps. These loans are </span></div><div class=\"ps19582 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps461\">secured by the assets of the business, for example, the </span></div><div class=\"ps19583 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps461\">accounts receivable, inventory and plant and machinery. </span></div><div class=\"ps19584 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps461\">In\u00a0common with our corporate lending activities, strong </span></div><div class=\"ps19585 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps461\">emphasis is placed on supporting companies with scale </span></div><div class=\"ps19586 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps461\">and\u00a0relevance in their industry</span></div><div class=\"ps19588 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps461\">Fund finance:</span><span class=\"f charStyle-33e1c6d6 ps19587\"> provides debt facilities to asset managers and </span></div><div class=\"ps19589 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">fund vehicles, principally in private equity. The geographical </span></div><div class=\"ps19591 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">focus is the UK, Western Europe and North America </span><span class=\"f charStyle-c8d875d6 ps19590\">where </span></div><div class=\"ps16171 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps461\">the Group can support experienced asset managers and their </span></div><div class=\"ps5166 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps461\">funds which show strong, long-term value creation and good </span></div><div class=\"ps19592 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps461\">custodianship of investors\u2019 money. Debt facilities are typically </span></div><div class=\"ps19593 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps461\">to a fund entity and secured against undrawn limited partner </span></div><div class=\"ps19594 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps461\">commitments and/or the fund\u2019s underlying assets</span></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2c34c19a ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2c34c19a ps663\">Other corporate and financial institutions and </span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2c34c19a ps663\">governments: </span><span class=\"f charStyle-c8d875d6 ps19595\">provides senior secured loans to mid-to-large </span></div><div class=\"ps701 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps663\">cap companies where credit risk is typically considered with </span></div><div class=\"ps702 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps663\">regard to robust cash generation from an underlying asset and </span></div><div class=\"ps3313 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps663\">supported by performance of the overall business based on </span></div><div class=\"ps6370 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps663\">both historical and forecast information </span></div><div class=\"ps3314 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2c34c19a ps663\">Small ticket asset finance:</span><span class=\"f charStyle-c8d875d6 ps19596\"> provides funding to small and </span></div><div class=\"ps6371 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps663\">medium-sized corporates to support asset purchases and </span></div><div class=\"ps6372 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps663\">other business requirements. The portfolio is highly diversified </span></div><div class=\"ps8220 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps663\">by industry and number of clients and is secured against the </span></div><div class=\"ps8221 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps663\">asset being financed</span></div><div class=\"ps6373 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2c34c19a ps663\">Motor finance:</span><span class=\"f charStyle-c8d875d6 ps19597\"> provides specialised motor vehicle financing </span></div><div class=\"ps8274 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps663\">originated through Mann Island Vehicle Finance Limited </span></div><div class=\"ps8275 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps663\">(MIVF). The portfolio is composed predominantly of private </span></div><div class=\"ps7987 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps663\">motor vehicles to individuals attributing to a granular book </span></div><div class=\"ps8276 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps663\">with low concentration risk</span></div><div class=\"ps7990 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps663\">Aviation finance:</span><span class=\"f charStyle-33e1c6d6 ps19598\"> structures, arranges and provides financing </span></div><div class=\"ps7993 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">for airlines, leasing companies, operators and corporates </span></div><div class=\"ps7994 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">secured by aircraft at conservative LTVs. Counterparties </span></div><div class=\"ps8257 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">include flag and commercial airline carriers, leading aircraft </span></div><div class=\"ps8258 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">lessors and corporates/operators with strong contracted cash </span></div><div class=\"ps6380 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">flows</span></div><div class=\"ps7997 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2c34c19a ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2c34c19a ps663\">Energy and infrastructure finance:</span><span class=\"f charStyle-c8d875d6 ps19599\"> arranges and provides </span></div><div class=\"ps5126 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps663\">typically long-term financing for energy and infrastructure </span></div><div class=\"ps8259 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps663\">assets, in particular renewable and traditional energy projects </span></div><div class=\"ps8260 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps663\">as well as transportation assets, usually against contracted </span></div><div class=\"ps8261 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps663\">future cash flows of the project(s) from well-established and </span></div><div class=\"ps6385 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps663\">financially sound off-take counterparties. There is a </span></div><div class=\"ps8000 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps663\">requirement for a strong upfront equity contribution from an </span></div><div class=\"ps8004 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps663\">experienced sponsor.</span></div><div class=\"ps8225 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps74\">Year in review</span></div><div class=\"ps19604 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Corporate and other lending increased by </span><span class=\"f charStyle-33e1c6d6 ps19600\">5.0%</span><span class=\"f charStyle-33e1c6d6 ps19601\"> from \u00a3</span><span class=\"f charStyle-33e1c6d6 ps19602\">8.6</span><span class=\"f charStyle-33e1c6d6 ps19603\"> billion </span></div><div class=\"ps19612 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">at </span><span class=\"f charStyle-33e1c6d6 ps19605\">31 March 2025</span><span class=\"f charStyle-33e1c6d6 ps19606\"> to \u00a3</span><span class=\"f charStyle-33e1c6d6 ps19607\">9.1</span><span class=\"f charStyle-33e1c6d6 ps19608\"> billion or </span><span class=\"f charStyle-33e1c6d6 ps19609\">51.0%</span><span class=\"f charStyle-33e1c6d6 ps19610\"> of net core loans at </span><span class=\"f charStyle-33e1c6d6 ps19611\">31 </span></div><div class=\"ps19615 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">March 2026</span><span class=\"f charStyle-33e1c6d6 ps19613\">. </span><span class=\"f charStyle-33e1c6d6 ps19614\">There has been diversified growth across multiple </span></div><div class=\"ps19616 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">corporate and other lending asset classes including fund </span></div><div class=\"ps19617 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">finance, small ticket asset finance, asset-based lending, </span></div><div class=\"ps19618 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">corporate and acquisition finance and aviation finance. We </span></div><div class=\"ps19619 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">continue to remain client-focused in our approach, with good </span></div><div class=\"ps19620 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">quality corporates exhibiting strong cash flows and balance </span></div><div class=\"ps19624 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">sheets.</span><span class=\"f charStyle-33e1c6d6 ps19621\"> </span><span class=\"f charStyle-33e1c6d6 ps19622\">The underlying portfolios remain resilient.</span><span class=\"f charStyle-33e1c6d6 ps19623\"> </span></div></div><div class=\"ps181 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:115.5pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:35.25pt\"></td><td style=\"padding:0;width:36pt\"></td></tr><tr style=\"height:36pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"8\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps19625 ss2184\"><div><div class=\"ps8325 ss2183\"><span class=\"f charStyle-a26246ce ps19174\">Gross core loans at<span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss2183\"><span class=\"f charStyle-a26246ce ps19175\">amortised cost and FVOCI<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps17746 ss2205\"><div><div class=\"ps8329 ss189\"><span class=\"f charStyle-a26246ce ps17125\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps8331 ss189\"><span class=\"f charStyle-a26246ce ps19626\">core<span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss189\"><span class=\"f charStyle-a26246ce ps19627\">loans at<span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss189\"><span class=\"f charStyle-a26246ce ps19628\">FVPL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps19632 ss311\"><div><div class=\"ps8331 ss310\"><span class=\"f charStyle-a26246ce ps19629\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss310\"><span class=\"f charStyle-a26246ce ps19630\">core<span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss310\"><span class=\"f charStyle-a26246ce ps19631\">loans<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19633 ss2185\"><div><div class=\"ps14732 ss918\"><span class=\"f charStyle-a26246ce ps9583\">Stage 1<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19634 ss2185\"><div><div class=\"ps14732 ss918\"><span class=\"f charStyle-a26246ce ps19182\">Stage 2<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19635 ss2185\"><div><div class=\"ps14732 ss918\"><span class=\"f charStyle-a26246ce ps15598\">Stage 3<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19636 ss2185\"><div><div class=\"ps14732 ss918\"><span class=\"f charStyle-a26246ce ps19185\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps830 ss2206\"><div><div class=\"ps1400 ss1905\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19637 ss2186\"><div><div class=\"ps1404 ss25\"><span class=\"f charStyle-8d4b9b37 ps14587\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss25\"><span class=\"f charStyle-8d4b9b37 ps19187\">exposure<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19638 ss2186\"><div><div class=\"ps1400 ss25\"><span class=\"f charStyle-8d4b9b37 ps13751\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19639 ss2186\"><div><div class=\"ps1404 ss25\"><span class=\"f charStyle-8d4b9b37 ps14587\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss25\"><span class=\"f charStyle-8d4b9b37 ps19187\">exposure<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19640 ss2186\"><div><div class=\"ps1400 ss25\"><span class=\"f charStyle-8d4b9b37 ps13751\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19641 ss2186\"><div><div class=\"ps1404 ss25\"><span class=\"f charStyle-8d4b9b37 ps14587\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss25\"><span class=\"f charStyle-8d4b9b37 ps19187\">exposure<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19642 ss2186\"><div><div class=\"ps1400 ss25\"><span class=\"f charStyle-8d4b9b37 ps13751\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19643 ss2186\"><div><div class=\"ps1404 ss25\"><span class=\"f charStyle-a26246ce ps19194\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss25\"><span class=\"f charStyle-a26246ce ps19195\"> exposure<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19644 ss2186\"><div><div class=\"ps1400 ss25\"><span class=\"f charStyle-a26246ce ps9521\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><span id=\"i8728d1f92d324955b1d4d9b2981fd9d9_3-0-1-1-3222700\"></span><div class=\"ps192 ss1906\"><div><div class=\"ps815 ss1905\"><span class=\"f charStyle-b7f6e8e5 ps7\">At 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps2501 ss2207\"><div><div class=\"ps815 ss1905\"><span class=\"f charStyle-2b0f4fe0 ps7\">Corporate and acquisition <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1905\"><span class=\"f charStyle-2b0f4fe0 ps7\">finance<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19645 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.85pt\"></span></span><span class=\"ps9416\">1\u00a0816<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19647 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.97pt\"></span></span><span class=\"ps19646\">(7)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19648 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.18pt\"></span></span><span class=\"ps2227\">225<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19649 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.61pt\"></span></span><span class=\"ps16473\">(8)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19650 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.5pt\"></span></span><span class=\"ps11730\">93<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19651 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.79pt\"></span></span><span class=\"ps10450\">(43)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19652 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.37pt\"></span></span><span class=\"ps17932\">2\u00a0134<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19653 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.15pt\"></span></span><span class=\"ps13777\">(58)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19654 ss2208\"><div><div class=\"ps469 ss189\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.14pt\"></span></span><span class=\"ps10504\">115<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19655 ss2168\"><div><div class=\"ps469 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.53pt\"></span></span><span class=\"ps9726\">2\u00a0249<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1353 ss1906\"><div><div class=\"ps815 ss1905\"><span class=\"f charStyle-2b0f4fe0 ps7\">Asset-based lending<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19656 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.18pt\"></span></span><span class=\"ps2227\">259<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19657 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.85pt\"></span></span><span class=\"ps19214\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19658 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.75pt\"></span></span><span class=\"ps11653\">59<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19659 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.85pt\"></span></span><span class=\"ps19214\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19660 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.38pt\"></span></span><span class=\"ps19335\">43<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19661 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.5pt\"></span></span><span class=\"ps11829\">(4)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19662 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.16pt\"></span></span><span class=\"ps12639\">361<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19663 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.62pt\"></span></span><span class=\"ps9325\">(6)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19664 ss1219\"><div><div class=\"ps815 ss189\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.78pt\"></span></span><span class=\"ps14345\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19666 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.41pt\"></span></span><span class=\"ps19665\">361<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps45 ss1906\"><div><div class=\"ps815 ss1905\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fund finance<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19667 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.09pt\"></span></span><span class=\"ps14422\">1\u00a0765<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19668 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.62pt\"></span></span><span class=\"ps9325\">(2)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19669 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.86pt\"></span></span><span class=\"ps19276\">18<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19670 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19671 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19672 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19673 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.83pt\"></span></span><span class=\"ps14789\">1\u00a0783<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19674 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.62pt\"></span></span><span class=\"ps9325\">(2)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19676 ss1219\"><div><div class=\"ps815 ss189\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.48pt\"></span></span><span class=\"ps19675\">51<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19677 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.61pt\"></span></span><span class=\"ps9283\">1\u00a0834<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps2367 ss2207\"><div><div class=\"ps815 ss1905\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other corporate and financial <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1905\"><span class=\"f charStyle-2b0f4fe0 ps7\">institutions and governments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19678 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.07pt\"></span></span><span class=\"ps16477\">692<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19679 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.62pt\"></span></span><span class=\"ps9325\">(2)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19680 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.49pt\"></span></span><span class=\"ps14087\">40<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19681 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.85pt\"></span></span><span class=\"ps19214\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19683 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.09pt\"></span></span><span class=\"ps19682\">4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19684 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.85pt\"></span></span><span class=\"ps19214\">(1)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19685 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.28pt\"></span></span><span class=\"ps13559\">736<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19686 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.5pt\"></span></span><span class=\"ps11829\">(4)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19687 ss2208\"><div><div class=\"ps469 ss189\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.37pt\"></span></span><span class=\"ps14235\">21<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19688 ss2168\"><div><div class=\"ps469 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.13pt\"></span></span><span class=\"ps13545\">757<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9245 ss1906\"><div><div class=\"ps815 ss1905\"><span class=\"f charStyle-2b0f4fe0 ps7\">Small ticket asset finance<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19689 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.95pt\"></span></span><span class=\"ps2271\">1\u00a0311<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19690 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.97pt\"></span></span><span class=\"ps19646\">(7)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19691 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.95pt\"></span></span><span class=\"ps19273\">429<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19692 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.61pt\"></span></span><span class=\"ps16473\">(8)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19693 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.63pt\"></span></span><span class=\"ps19212\">28<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19694 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.16pt\"></span></span><span class=\"ps10055\">(14)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19696 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.97pt\"></span></span><span class=\"ps19695\">1\u00a0768<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19697 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.05pt\"></span></span><span class=\"ps16889\">(29)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19698 ss1219\"><div><div class=\"ps815 ss189\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.78pt\"></span></span><span class=\"ps14345\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19700 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.22pt\"></span></span><span class=\"ps19699\">1\u00a0768<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3337 ss1906\"><div><div class=\"ps815 ss1905\"><span class=\"f charStyle-2b0f4fe0 ps7\">Motor finance<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19701 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.18pt\"></span></span><span class=\"ps2227\">956<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19702 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.48pt\"></span></span><span class=\"ps11677\">(3)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19703 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.53pt\"></span></span><span class=\"ps19479\">119<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19704 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.97pt\"></span></span><span class=\"ps19646\">(7)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19705 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.38pt\"></span></span><span class=\"ps19335\">34<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19706 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.51pt\"></span></span><span class=\"ps9934\">(11)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19707 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.83pt\"></span></span><span class=\"ps9721\">1\u00a0109<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19708 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">(21)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19709 ss1219\"><div><div class=\"ps815 ss189\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.78pt\"></span></span><span class=\"ps14345\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19710 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.08pt\"></span></span><span class=\"ps16923\">1\u00a0109<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9254 ss1906\"><div><div class=\"ps815 ss1905\"><span class=\"f charStyle-2b0f4fe0 ps7\">Aviation finance<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19711 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.5pt\"></span></span><span class=\"ps11730\">93<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19712 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19713 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19714 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19715 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19716 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19717 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.5pt\"></span></span><span class=\"ps11730\">93<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19718 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19719 ss1219\"><div><div class=\"ps815 ss189\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.8pt\"></span></span><span class=\"ps13254\">427<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19720 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.4pt\"></span></span><span class=\"ps18847\">520<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps289 ss2207\"><div><div class=\"ps815 ss1905\"><span class=\"f charStyle-2b0f4fe0 ps7\">Energy and infrastructure <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1905\"><span class=\"f charStyle-2b0f4fe0 ps7\">finance<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19721 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.94pt\"></span></span><span class=\"ps15182\">482<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19722 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.85pt\"></span></span><span class=\"ps19214\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19723 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.61pt\"></span></span><span class=\"ps19270\">60<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19724 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.85pt\"></span></span><span class=\"ps19214\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19725 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.49pt\"></span></span><span class=\"ps14087\">38<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19726 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.5pt\"></span></span><span class=\"ps11829\">(4)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19727 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.14pt\"></span></span><span class=\"ps11498\">580<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19728 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.62pt\"></span></span><span class=\"ps9325\">(6)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19729 ss2208\"><div><div class=\"ps469 ss189\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.23pt\"></span></span><span class=\"ps13493\">31<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19730 ss2168\"><div><div class=\"ps469 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.78pt\"></span></span><span class=\"ps9445\">611<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps346 ss2207\"><div><div class=\"ps815 ss1905\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total corporate <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1905\"><span class=\"f charStyle-b7f6e8e5 ps7\">and other lending<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19731 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.64pt\"></span></span><span class=\"ps3444\">7\u00a0374<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19732 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.59pt\"></span></span><span class=\"ps15064\">(23)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19733 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.37pt\"></span></span><span class=\"ps16539\">950<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19735 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.58pt\"></span></span><span class=\"ps19734\">(26)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19736 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.35pt\"></span></span><span class=\"ps11113\">240<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19737 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.33pt\"></span></span><span class=\"ps9687\">(77)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps19739 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.77pt\"></span></span><span class=\"ps19738\">8\u00a0564<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps19740 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.91pt\"></span></span><span class=\"ps3522\">(126)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19741 ss2208\"><div><div class=\"ps469 ss189\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.95pt\"></span></span><span class=\"ps2271\">645<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19743 ss2168\"><div><div class=\"ps469 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.05pt\"></span></span><span class=\"ps19742\">9\u00a0209<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4338 ss1906\"><div><div class=\"ps815 ss1905\"><span class=\"f charStyle-b7f6e8e5 ps7\">Coverage ratio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps19744 ss2188\"><div><div class=\"ps4184 ss25\"><span class=\"f charStyle-b7f6e8e5 ps4124\">0.31%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps19745 ss2188\"><div><div class=\"ps4184 ss25\"><span class=\"f charStyle-b7f6e8e5 ps10249\">2.7%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps19746 ss2188\"><div><div class=\"ps4184 ss25\"><span class=\"f charStyle-b7f6e8e5 ps6940\">32.1%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19748 ss2188\"><div><div class=\"ps4184 ss25\"><span class=\"f charStyle-b7f6e8e5 ps19747\">1.5%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4343 ss1906\"><div><div class=\"ps815 ss1905\"><span class=\"f charStyle-b7f6e8e5 ps7\">At 31 March 2025^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps4344 ss2207\"><div><div class=\"ps815 ss1905\"><span class=\"f charStyle-2b0f4fe0 ps7\">Corporate and acquisition <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1905\"><span class=\"f charStyle-2b0f4fe0 ps7\">finance<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19749 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.7pt\"></span></span><span class=\"ps9588\">1\u00a0733<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19750 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.62pt\"></span></span><span class=\"ps9325\">(6)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19751 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.9pt\"></span></span><span class=\"ps10189\">230<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19752 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.62pt\"></span></span><span class=\"ps9325\">(9)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19753 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.34pt\"></span></span><span class=\"ps12186\">77<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19754 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.63pt\"></span></span><span class=\"ps12171\">(17)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19755 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.22pt\"></span></span><span class=\"ps13116\">2\u00a0040<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19756 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.91pt\"></span></span><span class=\"ps17085\">(32)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19757 ss2208\"><div><div class=\"ps469 ss189\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.03pt\"></span></span><span class=\"ps19305\">112<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19758 ss2168\"><div><div class=\"ps469 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.99pt\"></span></span><span class=\"ps9591\">2\u00a0152<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19759 ss1906\"><div><div class=\"ps815 ss1905\"><span class=\"f charStyle-2b0f4fe0 ps7\">Asset-based lending<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19761 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.03pt\"></span></span><span class=\"ps19760\">208<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19762 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.85pt\"></span></span><span class=\"ps19214\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19763 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.04pt\"></span></span><span class=\"ps14758\">143<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19764 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.48pt\"></span></span><span class=\"ps11677\">(3)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19765 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19766 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19767 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.27pt\"></span></span><span class=\"ps16795\">351<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19768 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.5pt\"></span></span><span class=\"ps11829\">(4)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19769 ss1219\"><div><div class=\"ps815 ss189\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.78pt\"></span></span><span class=\"ps14345\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19770 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.52pt\"></span></span><span class=\"ps14223\">351<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1074 ss1906\"><div><div class=\"ps815 ss1905\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fund finance<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19771 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.86pt\"></span></span><span class=\"ps9710\">1\u00a0467<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19772 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.85pt\"></span></span><span class=\"ps19214\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19773 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.47pt\"></span></span><span class=\"ps15401\">30<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19774 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19775 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19776 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19777 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.86pt\"></span></span><span class=\"ps9710\">1\u00a0497<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19778 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.85pt\"></span></span><span class=\"ps19214\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19779 ss1219\"><div><div class=\"ps815 ss189\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.13pt\"></span></span><span class=\"ps17036\">68<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19780 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.1pt\"></span></span><span class=\"ps14272\">1\u00a0565<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps1078 ss2207\"><div><div class=\"ps815 ss1905\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other corporate and financial <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1905\"><span class=\"f charStyle-2b0f4fe0 ps7\">institutions and governments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19781 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.39pt\"></span></span><span class=\"ps14692\">670<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19782 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.62pt\"></span></span><span class=\"ps9325\">(2)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19783 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.1pt\"></span></span><span class=\"ps5502\">57<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19784 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.62pt\"></span></span><span class=\"ps9325\">(2)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19785 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.5pt\"></span></span><span class=\"ps11730\">32<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19786 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">(16)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19787 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.53pt\"></span></span><span class=\"ps3237\">759<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19788 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.02pt\"></span></span><span class=\"ps16943\">(20)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19789 ss2208\"><div><div class=\"ps469 ss189\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.59pt\"></span></span><span class=\"ps11443\">4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19790 ss2168\"><div><div class=\"ps469 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.53pt\"></span></span><span class=\"ps13036\">763<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9308 ss1906\"><div><div class=\"ps815 ss1905\"><span class=\"f charStyle-2b0f4fe0 ps7\">Small ticket asset finance<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19792 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.23pt\"></span></span><span class=\"ps19791\">1\u00a0433<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19793 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.62pt\"></span></span><span class=\"ps9325\">(6)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19794 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.3pt\"></span></span><span class=\"ps12495\">199<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19795 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.97pt\"></span></span><span class=\"ps19646\">(7)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19796 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.5pt\"></span></span><span class=\"ps11730\">23<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19797 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.51pt\"></span></span><span class=\"ps9934\">(11)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19798 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.85pt\"></span></span><span class=\"ps12492\">1\u00a0655<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19799 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.93pt\"></span></span><span class=\"ps11836\">(24)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19800 ss1219\"><div><div class=\"ps815 ss189\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.78pt\"></span></span><span class=\"ps14345\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19801 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.1pt\"></span></span><span class=\"ps14272\">1\u00a0655<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9313 ss1906\"><div><div class=\"ps815 ss1905\"><span class=\"f charStyle-2b0f4fe0 ps7\">Motor finance<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19802 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.95pt\"></span></span><span class=\"ps19273\">994<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19803 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.62pt\"></span></span><span class=\"ps9325\">(2)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19804 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.99pt\"></span></span><span class=\"ps8476\">97<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19805 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.5pt\"></span></span><span class=\"ps11829\">(4)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19806 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.64pt\"></span></span><span class=\"ps14435\">29<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19807 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">(12)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19808 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.83pt\"></span></span><span class=\"ps9721\">1\u00a0120<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19809 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.27pt\"></span></span><span class=\"ps11801\">(18)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19810 ss1219\"><div><div class=\"ps815 ss189\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.78pt\"></span></span><span class=\"ps14345\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19811 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.08pt\"></span></span><span class=\"ps16923\">1\u00a0120<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1090 ss1906\"><div><div class=\"ps815 ss1905\"><span class=\"f charStyle-2b0f4fe0 ps7\">Aviation finance<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19812 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.76pt\"></span></span><span class=\"ps12005\">175<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19813 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19814 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.56pt\"></span></span><span class=\"ps11130\">7<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19815 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19816 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19817 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19818 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.29pt\"></span></span><span class=\"ps19267\">182<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19819 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19820 ss1219\"><div><div class=\"ps815 ss189\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.92pt\"></span></span><span class=\"ps17762\">279<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19821 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.43pt\"></span></span><span class=\"ps9689\">461<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps1094 ss2207\"><div><div class=\"ps815 ss1905\"><span class=\"f charStyle-2b0f4fe0 ps7\">Energy and infrastructure <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1905\"><span class=\"f charStyle-2b0f4fe0 ps7\">finance<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19822 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.29pt\"></span></span><span class=\"ps9311\">525<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19823 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.62pt\"></span></span><span class=\"ps9325\">(2)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19824 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.63pt\"></span></span><span class=\"ps19212\">98<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19825 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.62pt\"></span></span><span class=\"ps9325\">(2)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19826 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.52pt\"></span></span><span class=\"ps11546\">42<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19827 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.73pt\"></span></span><span class=\"ps11367\">(5)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19828 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.18pt\"></span></span><span class=\"ps2227\">665<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19829 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.62pt\"></span></span><span class=\"ps9325\">(9)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19831 ss2208\"><div><div class=\"ps469 ss189\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.02pt\"></span></span><span class=\"ps19830\">24<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19833 ss2168\"><div><div class=\"ps469 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.31pt\"></span></span><span class=\"ps19832\">689<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19834 ss2207\"><div><div class=\"ps815 ss1905\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total corporate <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1905\"><span class=\"f charStyle-b7f6e8e5 ps7\">and other lending<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19835 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.41pt\"></span></span><span class=\"ps414\">7\u00a0205<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19836 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.37pt\"></span></span><span class=\"ps15183\">(20)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19838 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.74pt\"></span></span><span class=\"ps19837\">861<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19839 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.07pt\"></span></span><span class=\"ps9422\">(27)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19840 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.49pt\"></span></span><span class=\"ps15646\">203<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19842 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.63pt\"></span></span><span class=\"ps19841\">(61)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps19843 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.01pt\"></span></span><span class=\"ps10144\">8\u00a0269<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps19845 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.47pt\"></span></span><span class=\"ps19844\">(108)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19846 ss2208\"><div><div class=\"ps469 ss189\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.32pt\"></span></span><span class=\"ps19747\">487<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19848 ss2168\"><div><div class=\"ps469 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.64pt\"></span></span><span class=\"ps19847\">8\u00a0756<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19849 ss1906\"><div><div class=\"ps815 ss1905\"><span class=\"f charStyle-b7f6e8e5 ps7\">Coverage ratio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19850 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5 ps16831\">0.28%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19851 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5 ps155\">3.1%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19853 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5 ps19852\">30.0%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19854 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5 ps155\">1.3%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps19855 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span></span><span class=\"f charStyle-207fba8f ps968\">Re-presented as detailed on page 167.</span></div><div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_424\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The tables that follow provide further analysis of the Group\u2019s gross credit and counterparty exposures. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps19859\">Total gross credit and <span class=\"f ps2\"> </span></span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">counterparty exposures do not take into consideration risk mitigating factors such as collateral, financial guarantees and <span class=\"f ps2\"> </span></span></div><div class=\"ps701 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">instruments that create an economic hedge.<span class=\"f ps2\"> </span></span></div><div class=\"ps19860 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">An analysis of gross credit and counterparty exposures<span class=\"f ps2\"> </span><span id=\"i0331dd6885fe4f23b3cba74a014792f1_9223\"></span></span></div><div class=\"ps10629 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Gross credit and counterparty exposure totalled \u00a3<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps19861\">33.3<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps19862\"> billion at <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps19863\">31 March 2026<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps19864\"> (</span><span class=\"f charStyle-33e1c6d6 ps19865\">31 March 2025</span><span class=\"f charStyle-33e1c6d6 ps19866\">: </span><span class=\"f charStyle-33e1c6d6 ps19867\">\u00a331.1 billion</span><span class=\"f charStyle-33e1c6d6 ps19868\">). Cash and near cash </span></div><div class=\"ps10630 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">balances amounted to \u00a3<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps19869\">9.4</span><span class=\"f charStyle-33e1c6d6 ps19870\">\u00a0billion and are largely reflected in the following line items in the table below: cash and balances at <span class=\"f ps2\"> </span></span></div><div class=\"ps10822 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">central banks, loans and advances to banks and sovereign debt securities. These exposures are all Stage 1. There are immaterial <span class=\"f ps2\"> </span></span></div><div class=\"ps5822 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Stage 2 and Stage 3 exposures outside of loans and advances to customers which are small relative to the balance sheet. Loans <span class=\"f ps2\"> </span></span></div><div class=\"ps5823 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and advances to customers (including committed facilities) account for greater than </span><span class=\"f charStyle-33e1c6d6 ps19871\">99%<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps19872\"> of overall ECLs.</span></div><div class=\"ps19874 ss8\"><div class=\"ss2209 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:327pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss2210\"><div><div class=\"ps1195 ss2209\"><span class=\"f charStyle-8148111c ps7\">An analysis of gross credit and counterparty exposures<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps19926 ss8\"><div class=\"ss275 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:356.25pt\"></td><td style=\"padding:0;width:57pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:57pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss2212\"><div><div class=\"ps809 ss2211\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps992 ss797\"><div><div class=\"ps809 ss789\"><span class=\"f charStyle-a26246ce ps19875\">31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps18377 ss797\"><div><div class=\"ps809 ss789\"><span class=\"f charStyle-8d4b9b37 ps19876\">31 March 2025*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps816 ss2213\"><div><div class=\"ps997 ss2211\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cash and balances at central banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps19877 ss794\"><div><div class=\"ps997 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.97pt\"></span></span><span class=\"ps12159\">3\u00a0174<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps19879 ss794\"><div><div class=\"ps997 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.76pt\"></span></span><span class=\"ps19878\">4\u00a0192<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps184 ss2212\"><div><div class=\"ps815 ss2211\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19881 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.51pt\"></span></span><span class=\"ps19880\">801<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps19882 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.28pt\"></span></span><span class=\"ps15362\">860<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9200 ss2212\"><div><div class=\"ps815 ss2211\"><span class=\"f charStyle-2b0f4fe0 ps7\">Reverse repurchase agreements and cash collateral on securities borrowed<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19883 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.97pt\"></span></span><span class=\"ps12159\">1\u00a0885<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps19885 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.99pt\"></span></span><span class=\"ps19884\">1\u00a0641<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9204 ss2212\"><div><div class=\"ps815 ss2211\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19886 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.49pt\"></span></span><span class=\"ps12157\">3\u00a0688<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps19888 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.87pt\"></span></span><span class=\"ps19887\">2\u00a0525<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4003 ss2212\"><div><div class=\"ps815 ss2211\"><span class=\"f charStyle-2b0f4fe0 ps7\">Bank debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19890 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.43pt\"></span></span><span class=\"ps19889\">474<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps19892 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.06pt\"></span></span><span class=\"ps19891\">324<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4562 ss2212\"><div><div class=\"ps815 ss2211\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19894 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.33pt\"></span></span><span class=\"ps19893\">1\u00a0118<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps19895 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.02pt\"></span></span><span class=\"ps12299\">772<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9218 ss2212\"><div><div class=\"ps815 ss2211\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19897 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.17pt\"></span></span><span class=\"ps19896\">354<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps19899 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.3pt\"></span></span><span class=\"ps19898\">288<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9225 ss2212\"><div><div class=\"ps815 ss2211\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securities arising from trading activities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19900 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.53pt\"></span></span><span class=\"ps9378\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps19902 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.69pt\"></span></span><span class=\"ps19901\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps220 ss2212\"><div><div class=\"ps815 ss2211\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19903 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.73pt\"></span></span><span class=\"ps11918\">18\u00a0011<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps19904 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.28pt\"></span></span><span class=\"ps8457\">16\u00a0990<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9234 ss2212\"><div><div class=\"ps815 ss2211\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19905 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.66pt\"></span></span><span class=\"ps12702\">114<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps19906 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.41pt\"></span></span><span class=\"ps11176\">139<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9241 ss2212\"><div><div class=\"ps815 ss2211\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19907 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42pt\"></span></span><span class=\"ps12257\">59<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps19909 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.88pt\"></span></span><span class=\"ps19908\">28<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9245 ss2212\"><div><div class=\"ps815 ss2211\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total on-balance sheet exposures<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps19911 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.8pt\"></span></span><span class=\"ps19910\">29\u00a0678<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19912 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.08pt\"></span></span><span class=\"ps11820\">27\u00a0760<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3337 ss2212\"><div><div class=\"ps815 ss2211\"><span class=\"f charStyle-2b0f4fe0 ps7\">Guarantees<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19913 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.88pt\"></span></span><span class=\"ps19908\">82<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps19914 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.51pt\"></span></span><span class=\"ps19880\">108<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9254 ss2212\"><div><div class=\"ps815 ss2211\"><span class=\"f charStyle-2b0f4fe0 ps7\">Committed facilities related to loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19915 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.84pt\"></span></span><span class=\"ps13692\">2\u00a0801<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps19917 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.23pt\"></span></span><span class=\"ps19916\">2\u00a0477<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps289 ss2212\"><div><div class=\"ps815 ss2211\"><span class=\"f charStyle-2b0f4fe0 ps7\">Contingent liabilities, letters of credit and other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19918 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.9pt\"></span></span><span class=\"ps2240\">716<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps19920 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.25pt\"></span></span><span class=\"ps19919\">800<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps8433 ss2212\"><div><div class=\"ps815 ss2211\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total off-balance sheet exposures<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps19922 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.16pt\"></span></span><span class=\"ps19921\">3\u00a0599<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19923 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.17pt\"></span></span><span class=\"ps12093\">3\u00a0385<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps6660 ss2212\"><div><div class=\"ps815 ss2211\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total gross credit and counterparty exposures<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19924 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.31pt\"></span></span><span class=\"ps11167\">33\u00a0277<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19925 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.64pt\"></span></span><span class=\"ps11319\">31\u00a0145<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps19927 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span></span><span class=\"f charStyle-207fba8f ps968\">Re-presented as detailed on page 167.</span></div><div class=\"ps19929 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Re-presentation of gross and ECL values<span id=\"i0331dd6885fe4f23b3cba74a014792f1_9142\"></span></span></div><div class=\"ps19930 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Prior period gross and ECL values have been re-presented in line with changes to management\u2019s approach to measuring credit risk </span></div><div class=\"ps19931 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">metrics. Gross and ECL values at 31 March 2025 have increased by \u00a334 million for \u2018loans and advances to customers\u2019 with no </span></div><div class=\"ps19932 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">change to the income statement or balance sheet. These increases were due to: </span></div><div class=\"ps19933 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Adjustments relating to suspended interest: In prior periods, Stage 3 gross loans and advances were presented net of </span></div><div class=\"ps19934 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">suspended interest in management\u2019s credit risk metrics with the adjustment for suspended interest disclosed separately in the </span></div><div class=\"ps19935 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">footnotes. The presentation has been amended such that the suspended interest against a Stage 3 exposure is now included </span></div><div class=\"ps19936 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">within the ECL allowance instead of being netted off the gross amount. This adjustment does not change the net carrying value </span></div><div class=\"ps19937 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">as shown on the balance sheet</span></div><div class=\"ps19938 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Adjustments relating to FVOCI: The gross and ECL values of financial assets held at FVOCI were presented, either in footnotes </span></div><div class=\"ps19939 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">or\u00a0in supplementary tables. Going forward, gross values will all be presented consistently at the fair value of the instruments </span></div><div class=\"ps19940 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">increased by ECL values. This adjustment does not change the carrying value, being the fair value, as shown on the balance </span></div><div class=\"ps19941 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">sheet.</span></div><div class=\"ps19942 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">As a result of these re-presentations gross core loans and ECLs are \u00a316 990 million and \u00a3176 million as at 31 March 2025 (31\u00a0March </span></div><div class=\"ps19943 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">2024: \u00a316 121 million and \u00a3192 million respectively).</span></div></div><div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">A </span><span class=\"f charStyle-21b4da98 ps19945\">further analysis of gross credit and counterparty exposures<span class=\"f ps2\"> </span><span id=\"i0331dd6885fe4f23b3cba74a014792f1_9224\"></span></span></div><div class=\"ps10770 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The table below indicates the asset class (on the face of the consolidated balance sheet) in which credit and counterparty </span></div><div class=\"ps10771 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">exposures are reflected. Not all assets included in the balance sheet bear credit risk.</span></div><div class=\"ps20139 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:189.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:48pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:48pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:32.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss2214\"><div><div class=\"ps3317 ss22\"><span class=\"f charStyle-a26246ce ps7\">At 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps25 ss2215\"><div><div class=\"ps19947 ss1750\"><span class=\"f charStyle-8d4b9b37 ps19946\">Total gross<span class=\"f ps2\"> </span></span></div><div class=\"ps19948 ss1750\"><span class=\"f charStyle-8d4b9b37 ps10477\"> credit and<span class=\"f ps2\"> </span></span></div><div class=\"ps19950 ss1750\"><span class=\"f charStyle-8d4b9b37 ps19949\"> counterparty<span class=\"f ps2\"> </span></span></div><div class=\"ps19951 ss1750\"><span class=\"f charStyle-8d4b9b37 ps11762\"> exposure<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19953 ss2216\"><div><div class=\"ps19950 ss936\"><span class=\"f charStyle-8d4b9b37 ps19952\">of which<span class=\"f ps2\"> </span></span></div><div class=\"ps19951 ss936\"><span class=\"f charStyle-8d4b9b37 ps11827\"> FVPL<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19955 ss2217\"><div><div class=\"ps19947 ss844\"><span class=\"f charStyle-8d4b9b37 ps19954\">of which<span class=\"f ps2\"> </span></span></div><div class=\"ps19948 ss844\"><span class=\"f charStyle-8d4b9b37 ps8028\"> amortised<span class=\"f ps2\"> </span></span></div><div class=\"ps19950 ss844\"><span class=\"f charStyle-8d4b9b37 ps12873\"> cost and<span class=\"f ps2\"> </span></span></div><div class=\"ps19951 ss844\"><span class=\"f charStyle-8d4b9b37 ps9192\"> FVOCI<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19957 ss2216\"><div><div class=\"ps19951 ss936\"><span class=\"f charStyle-8d4b9b37 ps19956\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11645 ss2215\"><div><div class=\"ps19959 ss1750\"><span class=\"f charStyle-8d4b9b37 ps19958\">Assets that<span class=\"f ps2\"> </span></span></div><div class=\"ps19947 ss1750\"><span class=\"f charStyle-8d4b9b37 ps19960\"> we deem to<span class=\"f ps2\"> </span></span></div><div class=\"ps19948 ss1750\"><span class=\"f charStyle-8d4b9b37 ps12089\"> have no legal<span class=\"f ps2\"> </span></span></div><div class=\"ps19950 ss1750\"><span class=\"f charStyle-8d4b9b37 ps12150\"> credit<span class=\"f ps2\"> </span></span></div><div class=\"ps19951 ss1750\"><span class=\"f charStyle-8d4b9b37 ps11762\"> exposure<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps4241 ss2217\"><div><div class=\"ps19950 ss844\"><span class=\"f charStyle-a26246ce ps19961\">Total<span class=\"f ps2\"> </span></span></div><div class=\"ps19951 ss844\"><span class=\"f charStyle-a26246ce ps11404\">assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps362 ss2218\"><div><div class=\"ps4014 ss22\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1002 ss2219\"><div><div class=\"ps997 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cash and balances at central banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps19962 ss1843\"><div><div class=\"ps997 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.72pt\"></span></span><span class=\"ps14106\">3\u00a0174<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps19963 ss1350\"><div><div class=\"ps997 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps19965 ss849\"><div><div class=\"ps997 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.22pt\"></span></span><span class=\"ps19964\">3\u00a0174<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps19966 ss1350\"><div><div class=\"ps997 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps19967 ss1843\"><div><div class=\"ps997 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps19968 ss849\"><div><div class=\"ps997 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.22pt\"></span></span><span class=\"ps19964\">3\u00a0174<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2492 ss2220\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19970 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.26pt\"></span></span><span class=\"ps19969\">801<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19971 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19973 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.76pt\"></span></span><span class=\"ps19972\">801<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19974 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19975 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19976 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.76pt\"></span></span><span class=\"ps19972\">801<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps192 ss2221\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">Reverse repurchase agreements and cash collateral <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">on securities borrowed</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19977 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.72pt\"></span></span><span class=\"ps14106\">1\u00a0885<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19978 ss1506\"><div><div class=\"ps469 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19979 ss867\"><div><div class=\"ps469 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.22pt\"></span></span><span class=\"ps19964\">1\u00a0885<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19980 ss1506\"><div><div class=\"ps469 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19981 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps4262 ss867\"><div><div class=\"ps469 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.22pt\"></span></span><span class=\"ps19964\">1\u00a0885<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps218 ss2220\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19982 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.24pt\"></span></span><span class=\"ps12375\">3\u00a0688<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19983 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19984 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.74pt\"></span></span><span class=\"ps10265\">3\u00a0688<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19985 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19986 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19987 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.74pt\"></span></span><span class=\"ps10265\">3\u00a0688<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1353 ss2220\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">Bank debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19988 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.18pt\"></span></span><span class=\"ps10156\">474<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19989 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19990 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.68pt\"></span></span><span class=\"ps5563\">474<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19991 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19992 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19993 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.68pt\"></span></span><span class=\"ps5563\">474<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps45 ss2220\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19994 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.08pt\"></span></span><span class=\"ps6204\">1\u00a0118<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19995 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.77pt\"></span></span><span class=\"ps14062\">42<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19996 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.45pt\"></span></span><span class=\"ps16000\">1\u00a0076<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19231 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19997 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19999 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.58pt\"></span></span><span class=\"ps19998\">1\u00a0118<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2367 ss2220\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20000 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.92pt\"></span></span><span class=\"ps11491\">354<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20001 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.17pt\"></span></span><span class=\"ps13577\">354<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20003 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.78pt\"></span></span><span class=\"ps20002\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20004 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20005 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20007 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.42pt\"></span></span><span class=\"ps20006\">354<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2368 ss2220\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securities arising from trading activities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20008 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20009 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20010 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.78pt\"></span></span><span class=\"ps20002\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20011 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20013 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.63pt\"></span></span><span class=\"ps20012\">45<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20015 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.13pt\"></span></span><span class=\"ps20014\">45<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2372 ss2220\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20016 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.48pt\"></span></span><span class=\"ps19675\">18\u00a0011<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20017 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.28pt\"></span></span><span class=\"ps15559\">809<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20018 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.88pt\"></span></span><span class=\"ps19541\">17\u00a0202<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20020 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.05pt\"></span></span><span class=\"ps20019\">(207)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20021 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20023 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.75pt\"></span></span><span class=\"ps20022\">17\u00a0804<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2376 ss2220\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fair value adjustment for asset portfolio hedged risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20024 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20025 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20026 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.78pt\"></span></span><span class=\"ps20002\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20027 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20029 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.28pt\"></span></span><span class=\"ps20028\">(21)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20030 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">(21)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2380 ss2220\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20032 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.41pt\"></span></span><span class=\"ps20031\">114<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20033 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20034 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.91pt\"></span></span><span class=\"ps14910\">114<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20035 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20036 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20037 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.91pt\"></span></span><span class=\"ps14910\">114<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11192 ss2220\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other securitised assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20038 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20039 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20040 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.78pt\"></span></span><span class=\"ps20002\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20041 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20042 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20043 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.78pt\"></span></span><span class=\"ps20002\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11201 ss2220\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20044 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20045 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20046 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.78pt\"></span></span><span class=\"ps20002\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20047 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20049 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.31pt\"></span></span><span class=\"ps20048\">414*<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20050 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.56pt\"></span></span><span class=\"ps11706\">414<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps19285 ss2221\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interest in associated undertakings <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">and joint venture holdings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20051 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20052 ss1506\"><div><div class=\"ps469 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20053 ss867\"><div><div class=\"ps469 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.78pt\"></span></span><span class=\"ps20002\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19292 ss1506\"><div><div class=\"ps469 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20054 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.17pt\"></span></span><span class=\"ps12093\">852<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20055 ss867\"><div><div class=\"ps469 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.67pt\"></span></span><span class=\"ps11540\">852<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9274 ss2220\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">Current taxation assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20056 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20057 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20058 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.78pt\"></span></span><span class=\"ps20002\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19303 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20060 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.6pt\"></span></span><span class=\"ps20059\">80<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20061 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.1pt\"></span></span><span class=\"ps11874\">80<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9280 ss2220\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deferred taxation assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20062 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20063 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20064 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.78pt\"></span></span><span class=\"ps20002\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20065 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20067 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.85pt\"></span></span><span class=\"ps20066\">73<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20068 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.35pt\"></span></span><span class=\"ps13630\">73<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8460 ss2220\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20070 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.75pt\"></span></span><span class=\"ps20069\">59<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20071 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20073 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.25pt\"></span></span><span class=\"ps20072\">59<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20074 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20076 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.59pt\"></span></span><span class=\"ps20075\">848^<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20077 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.89pt\"></span></span><span class=\"ps16222\">907<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2406 ss2220\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">Property and equipment<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20078 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20079 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20080 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.78pt\"></span></span><span class=\"ps20002\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20081 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20082 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.38pt\"></span></span><span class=\"ps11510\">150<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20083 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.88pt\"></span></span><span class=\"ps8418\">150<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8482 ss2220\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">Goodwill<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20084 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20085 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20086 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.78pt\"></span></span><span class=\"ps20002\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20087 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20089 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.99pt\"></span></span><span class=\"ps20088\">76<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20090 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.49pt\"></span></span><span class=\"ps1692\">76<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9297 ss2220\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">Software<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20091 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20092 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20093 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.78pt\"></span></span><span class=\"ps20002\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20094 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20095 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.87pt\"></span></span><span class=\"ps12413\">12<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20096 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.37pt\"></span></span><span class=\"ps17611\">12<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9302 ss2220\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total on-balance sheet exposures<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20097 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.55pt\"></span></span><span class=\"ps14986\">29\u00a0678<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20098 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.45pt\"></span></span><span class=\"ps16111\">1\u00a0205<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20099 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.93pt\"></span></span><span class=\"ps10152\">28\u00a0473<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20100 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.16pt\"></span></span><span class=\"ps1674\">(207)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20101 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.36pt\"></span></span><span class=\"ps3441\">2\u00a0529<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps20102 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.94pt\"></span></span><span class=\"ps3718\">32\u00a0000<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9308 ss2220\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">Guarantees<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20103 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.63pt\"></span></span><span class=\"ps20012\">82<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20104 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20105 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.13pt\"></span></span><span class=\"ps20014\">82<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20106 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20107 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20108 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.13pt\"></span></span><span class=\"ps20014\">82<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps9313 ss2221\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">Committed facilities related to loans and advances <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20109 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.59pt\"></span></span><span class=\"ps9383\">2\u00a0801<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20110 ss1506\"><div><div class=\"ps469 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.55pt\"></span></span><span class=\"ps8361\">126<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20111 ss867\"><div><div class=\"ps469 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.36pt\"></span></span><span class=\"ps3441\">2\u00a0675<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20112 ss1506\"><div><div class=\"ps469 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.87pt\"></span></span><span class=\"ps12413\">(9)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20113 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20114 ss867\"><div><div class=\"ps469 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.25pt\"></span></span><span class=\"ps12501\">2\u00a0792<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps20116 ss2220\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-9458d4de ps7\">Contingent liabilities, letters of credit and other</span><span class=\"f charStyle-70e7a25b ps20115\"><span class=\"f ps2\"> </span><sup>^^</sup></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20117 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.65pt\"></span></span><span class=\"ps12143\">716<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20118 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.17pt\"></span></span><span class=\"ps13577\">409<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20119 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.75pt\"></span></span><span class=\"ps18425\">307<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20121 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.1pt\"></span></span><span class=\"ps20120\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20123 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.27pt\"></span></span><span class=\"ps20122\">135<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20124 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.64pt\"></span></span><span class=\"ps11929\">850<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20125 ss2220\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total off-balance sheet exposures<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20126 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.91pt\"></span></span><span class=\"ps9536\">3\u00a0599<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20127 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.96pt\"></span></span><span class=\"ps10225\">535<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20128 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.95pt\"></span></span><span class=\"ps9521\">3\u00a0064<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20129 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.67pt\"></span></span><span class=\"ps14912\">(10)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20130 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.87pt\"></span></span><span class=\"ps13889\">135<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps20131 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.88pt\"></span></span><span class=\"ps16895\">3\u00a0724<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19834 ss2220\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total exposures<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20132 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.06pt\"></span></span><span class=\"ps14259\">33\u00a0277<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20134 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.46pt\"></span></span><span class=\"ps20133\">1\u00a0740<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20135 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.24pt\"></span></span><span class=\"ps17467\">31\u00a0537<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20136 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.65pt\"></span></span><span class=\"ps12208\">(217)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20137 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.88pt\"></span></span><span class=\"ps9399\">2\u00a0664<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20138 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.05pt\"></span></span><span class=\"ps3965\">35\u00a0724<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps20140 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Relates to exposures that are classified as investment risk.</span></span></div><div class=\"ps20141 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">Other assets include settlement debtors which we deem to have no credit risk exposure as they are settled on a delivery against payment basis.</span></span></div><div class=\"ps20142 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^^<span style=\"display:inline-block;height:5.81pt;width:8.83pt\"></span></span><span class=\"ps968\">Includes the notional exposure to credit risk resulting from credit derivative instruments of \u00a3403 million.</span></span></div><div class=\"ps20143 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps23\">Note: The above numbers may not cast due to rounding.</span></div></div><div><div class=\"ps181 ss8\"><div class=\"ss2222 ws0 ps20146\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:302.25pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss2223\"><div><div class=\"ps20145 ss2222\"><span class=\"f charStyle-8148111c ps7\">A further analysis of gross credit and counterparty exposures (continued)<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20339 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:176.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:33pt\"><td style=\"padding:0\"><div class=\"ps19 ss2225\"><div><div class=\"ps12527 ss2224\"><span class=\"f charStyle-a26246ce ps7\">At 31 March 2025\u02c6<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20147 ss2226\"><div><div class=\"ps11638 ss818\"><span class=\"f charStyle-8d4b9b37 ps16883\">Total gross<span class=\"f ps2\"> </span></span></div><div class=\"ps11633 ss818\"><span class=\"f charStyle-8d4b9b37 ps10480\"> credit and<span class=\"f ps2\"> </span></span></div><div class=\"ps11622 ss818\"><span class=\"f charStyle-8d4b9b37 ps19047\"> counterparty<span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss818\"><span class=\"f charStyle-8d4b9b37 ps15059\"> exposure<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20148 ss2226\"><div><div class=\"ps11622 ss818\"><span class=\"f charStyle-8d4b9b37 ps12407\">of which<span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss818\"><span class=\"f charStyle-8d4b9b37 ps10018\"> FVPL<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps18785 ss2226\"><div><div class=\"ps11638 ss818\"><span class=\"f charStyle-8d4b9b37 ps12407\">of which<span class=\"f ps2\"> </span></span></div><div class=\"ps11633 ss818\"><span class=\"f charStyle-8d4b9b37 ps20149\"> amortised<span class=\"f ps2\"> </span></span></div><div class=\"ps11622 ss818\"><span class=\"f charStyle-8d4b9b37 ps14230\"> cost and<span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss818\"><span class=\"f charStyle-8d4b9b37 ps20150\"> FVOCI<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19873 ss2227\"><div><div class=\"ps11624 ss1750\"><span class=\"f charStyle-8d4b9b37 ps20151\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13839 ss2226\"><div><div class=\"ps11636 ss818\"><span class=\"f charStyle-8d4b9b37 ps179\">Assets that<span class=\"f ps2\"> </span></span></div><div class=\"ps11638 ss818\"><span class=\"f charStyle-8d4b9b37 ps20152\"> we deem to<span class=\"f ps2\"> </span></span></div><div class=\"ps11633 ss818\"><span class=\"f charStyle-8d4b9b37 ps20153\"> have no legal<span class=\"f ps2\"> </span></span></div><div class=\"ps11622 ss818\"><span class=\"f charStyle-8d4b9b37 ps20154\"> credit<span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss818\"><span class=\"f charStyle-8d4b9b37 ps15059\"> exposure<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps13841 ss2228\"><div><div class=\"ps11622 ss1310\"><span class=\"f charStyle-a26246ce ps12700\">Total<span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss1310\"><span class=\"f charStyle-a26246ce ps13789\">assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps1201 ss2229\"><div><div class=\"ps4014 ss2224\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3516 ss2230\"><div><div class=\"ps997 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cash and balances at central banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps20156 ss2231\"><div><div class=\"ps997 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20155\">4\u00a0192<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps20158 ss2231\"><div><div class=\"ps997 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps20159 ss2231\"><div><div class=\"ps997 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20155\">4\u00a0192<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps20161 ss1843\"><div><div class=\"ps997 ss1750\"><span class=\"f charStyle-2b0f4fe0 ps20160\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps20162 ss2231\"><div><div class=\"ps997 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps20164 ss1314\"><div><div class=\"ps997 ss1310\"><span class=\"f charStyle-2b0f4fe0 ps20163\">4\u00a0192<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4077 ss2232\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20165 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps433\">860<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20166 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20167 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps433\">860<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20168 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0 ps20160\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20169 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20171 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0 ps20170\">860<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps6738 ss2233\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">Reverse repurchase agreements and cash <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">collateral on securities borrowed<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20172 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0 ps11590\">1\u00a0641<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20173 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0 ps9363\">56<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20174 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20019\">1\u00a0585<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20175 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0 ps20160\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13866 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13867 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0 ps13887\">1\u00a0641<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1018 ss2232\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20177 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20176\">2\u00a0525<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20178 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20179 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20176\">2\u00a0525<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20180 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0 ps20160\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20181 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20183 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0 ps20182\">2\u00a0525<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1022 ss2232\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">Bank debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20185 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20184\">324<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20186 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20187 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20184\">324<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20188 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0 ps20160\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20189 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20191 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0 ps20190\">324<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12075 ss2232\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20192 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps11445\">772<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20193 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps16721\">50<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20195 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20194\">722<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20197 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0 ps20196\">(1)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20198 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20200 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0 ps20199\">771<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps341 ss2232\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20201 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps10464\">288<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20202 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps10464\">288<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20203 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20204 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0 ps20160\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20206 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20205\">11<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20207 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0 ps19131\">299<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11712 ss2232\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securities arising from trading activities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20209 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20208\">1<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20210 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20208\">1<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20211 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20212 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0 ps20160\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20214 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20213\">149<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20216 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0 ps20215\">150<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps49 ss2232\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20217 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps14030\">16\u00a0990<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20219 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20218\">572<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20220 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps12200\">16\u00a0418<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20221 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0 ps5897\">(176)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20222 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20224 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0 ps20223\">16\u00a0814<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11737 ss2232\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20226 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20225\">139<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20227 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20228 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20225\">139<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20229 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0 ps20160\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20230 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20231 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0 ps16891\">139<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3338 ss2232\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other securitised assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20232 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20233 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20234 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20235 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0 ps20160\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20236 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20238 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0 ps20237\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13372 ss2232\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20239 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20240 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20241 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20242 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0 ps20160\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20243 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps12946\">348*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20244 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0 ps14082\">348<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps13378 ss2233\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interest in associated undertakings <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">and joint venture holdings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20245 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20246 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20247 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20248 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0 ps20160\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20249 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0 ps11889\">832<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20251 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0 ps20250\">832<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1054 ss2232\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">Current taxation assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20252 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20253 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20254 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20255 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0 ps20160\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20256 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps9363\">25<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20257 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0 ps13852\">25<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1058 ss2232\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deferred taxation assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20258 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20259 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20260 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20261 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0 ps20160\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13942 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps4268\">121<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13943 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0 ps20262\">121<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1062 ss2232\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20264 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20263\">28<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20265 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20266 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20263\">28<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20267 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0 ps20160\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20268 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps15346\">624**<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20270 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0 ps20269\">652<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1066 ss2232\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">Property and equipment<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20271 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20272 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20273 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20274 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0 ps20160\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20275 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps9363\">59<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20276 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0 ps13852\">59<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1070 ss2232\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">Goodwill<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20277 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20278 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20279 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20280 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0 ps20160\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20281 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20263\">68<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20283 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0 ps20282\">68<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps20284 ss2232\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">Software<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20285 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20286 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20287 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20288 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0 ps20160\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20290 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20289\">5<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20292 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0 ps20291\">5<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20293 ss2232\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total on-balance sheet exposures<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20294 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5 ps12488\">27\u00a0760<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20296 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5 ps20295\">967<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20297 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5 ps10540\">26\u00a0793<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20298 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5 ps11512\">(177)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20300 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5 ps20299\">2\u00a0241<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps20301 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5 ps15467\">29\u00a0824<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps20302 ss2232\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">Guarantees<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20304 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20303\">108<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20305 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20306 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20303\">108<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20307 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0 ps20160\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20308 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20310 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0 ps20309\">108<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps20311 ss2233\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">Committed facilities related to loans and <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20312 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0 ps7426\">2\u00a0477<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20313 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0 ps12368\">165<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20314 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0 ps14784\">2\u00a0312<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20315 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0 ps16610\">(8)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20316 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20317 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0 ps5893\">2\u00a0469<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps938 ss2232\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-9458d4de ps7\">Contingent liabilities, letters of credit and other</span><span class=\"f charStyle-70e7a25b ps20115\"><span class=\"f ps2\"> </span><sup>#</sup></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20318 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps880\">800<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20319 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20184\">349<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20320 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps1664\">451<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20321 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0 ps4268\">(2)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20322 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20225\">139<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20323 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0 ps4296\">937<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps943 ss2232\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total off-balance sheet exposures<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20324 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5 ps16077\">3\u00a0385<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20325 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5 ps20031\">514<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20326 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5 ps17536\">2\u00a0871<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20328 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5 ps20327\">(10)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20329 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5 ps14991\">139<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps20330 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5 ps19133\">3\u00a0514<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps9873 ss2232\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total exposures<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20331 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5 ps12973\">31\u00a0145<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20332 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5 ps14876\">1\u00a0481<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20333 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5 ps15456\">29\u00a0664<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20335 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5 ps20334\">(187)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20337 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5 ps20336\">2\u00a0380<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps20338 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5 ps17019\">33\u00a0338<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps20340 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Relates to exposures that are classified as investment risk.</span></span></div><div class=\"ps20341 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">**<span style=\"display:inline-block;height:5.81pt;width:8.17pt\"></span></span><span class=\"ps968\">Other assets include settlement debtors which we deem to have no credit risk exposure as they are settled on a delivery against payment basis.</span></span></div><div class=\"ps20342 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-3e468f6d ps14678\"><sup>#</sup></span><span class=\"f charStyle-207fba8f\"><span class=\"ps14679\"><span style=\"display:inline-block;height:5.81pt;width:11.71pt\"></span></span><span class=\"ps968\">Includes the notional exposure to credit risk resulting from credit derivative instruments of \u00a3339 million.</span></span></div><div class=\"ps20343 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span></span><span class=\"f charStyle-207fba8f ps968\">Re-presented as detailed on page 167.</span></div></div><div><div class=\"ps181 ss8\"><div class=\"ss2152 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:18.75pt\"></td><td style=\"padding:0;width:309pt\"></td></tr><tr style=\"height:18.75pt\"><td style=\"padding:0\"><div class=\"ps19 ss2235\"><div><div class=\"ps28 ss740\"><div class=\"ps18454\"><div class=\"ps19\"><img alt=\"Unaudited_information.svg\" id=\"i-187\" src=\"data:image/svg+xml;base64,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\" style=\"height:13.52pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps3212 ss2236\"><div><div class=\"ps20345 ss2150\"><span class=\"f charStyle-8148111c ps7\">Gross credit and counterparty exposures by industry<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20644 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:139.5pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td></tr><tr style=\"height:33pt\"><td style=\"padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20348 ss2227\"><div><div class=\"ps11636 ss1750\"><span class=\"f charStyle-8d4b9b37 ps20346\">High net<span class=\"f ps2\"> </span></span></div><div class=\"ps11638 ss1750\"><span class=\"f charStyle-8d4b9b37 ps10477\"> worth and<span class=\"f ps2\"> </span></span></div><div class=\"ps11633 ss1750\"><span class=\"f charStyle-8d4b9b37 ps13491\"> other<span class=\"f ps2\"> </span></span></div><div class=\"ps11622 ss1750\"><span class=\"f charStyle-8d4b9b37 ps17007\"> professional<span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss1750\"><span class=\"f charStyle-8d4b9b37 ps20347\"> individuals<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3407 ss2227\"><div><div class=\"ps11633 ss1750\"><span class=\"f charStyle-8d4b9b37 ps15239\">Lending<span class=\"f ps2\"> </span></span></div><div class=\"ps11622 ss1750\"><span class=\"f charStyle-8d4b9b37 ps16388\"> collateralised<span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss1750\"><span class=\"f charStyle-8d4b9b37 ps16092\"> by property<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20350 ss2227\"><div><div class=\"ps11624 ss1750\"><span class=\"f charStyle-8d4b9b37 ps20349\">Agriculture<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20352 ss2227\"><div><div class=\"ps11638 ss1750\"><span class=\"f charStyle-8d4b9b37 ps20351\">Electricity,<span class=\"f ps2\"> </span></span></div><div class=\"ps11633 ss1750\"><span class=\"f charStyle-8d4b9b37 ps16526\"> gas and<span class=\"f ps2\"> </span></span></div><div class=\"ps11622 ss1750\"><span class=\"f charStyle-8d4b9b37 ps14225\"> water (utility<span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss1750\"><span class=\"f charStyle-8d4b9b37 ps4321\"> services)<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20354 ss2227\"><div><div class=\"ps11633 ss1750\"><span class=\"f charStyle-8d4b9b37 ps4135\">Public and<span class=\"f ps2\"> </span></span></div><div class=\"ps11622 ss1750\"><span class=\"f charStyle-8d4b9b37 ps20353\"> non-business<span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss1750\"><span class=\"f charStyle-8d4b9b37 ps5429\"> services<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13497 ss2227\"><div><div class=\"ps11622 ss1750\"><span class=\"f charStyle-8d4b9b37 ps13036\">Business<span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss1750\"><span class=\"f charStyle-8d4b9b37 ps5429\"> services<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20356 ss2227\"><div><div class=\"ps11622 ss1750\"><span class=\"f charStyle-8d4b9b37 ps20355\">Finance and<span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss1750\"><span class=\"f charStyle-8d4b9b37 ps12499\"> insurance<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps1201 ss2238\"><div><div class=\"ps4014 ss2237\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3516 ss2239\"><div><div class=\"ps809 ss2237\"><span class=\"f charStyle-a26246ce ps7\">At 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3520 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cash and balances at central banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20357 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20358 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20359 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20360 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20361 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.72pt\"></span></span><span class=\"ps14106\">3\u00a0174<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20362 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20363 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps5 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20364 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20365 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20366 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20367 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20368 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20369 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20370 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.26pt\"></span></span><span class=\"ps19969\">801<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps3527 ss2240\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Reverse repurchase agreements and <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">cash collateral on securities borrowed<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20371 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20372 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20373 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20374 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20375 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13530 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13532 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.72pt\"></span></span><span class=\"ps14106\">1\u00a0885<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3612 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20376 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20377 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20378 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20379 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20380 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.34pt\"></span></span><span class=\"ps12186\">3\u00a0650<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20381 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20383 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.49pt\"></span></span><span class=\"ps20382\">38<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3617 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Bank debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20384 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20385 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20386 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20387 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20388 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20389 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20390 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.18pt\"></span></span><span class=\"ps10156\">474<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4577 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20391 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20392 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20393 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20394 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.56pt\"></span></span><span class=\"ps12034\">7<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20396 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.07pt\"></span></span><span class=\"ps20395\">3<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20397 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.56pt\"></span></span><span class=\"ps12034\">7<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20399 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.95pt\"></span></span><span class=\"ps20398\">1\u00a0076<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1361 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20400 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20401 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20402 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20403 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.21pt\"></span></span><span class=\"ps16603\">9<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20404 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20405 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.21pt\"></span></span><span class=\"ps16603\">6<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20407 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.13pt\"></span></span><span class=\"ps20406\">301<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps13728 ss2240\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securities arising from <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">trading activities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20408 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20409 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20410 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20411 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20412 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20413 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20414 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15276 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20416 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.61pt\"></span></span><span class=\"ps20415\">6\u00a0273<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20417 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.51pt\"></span></span><span class=\"ps9583\">2\u00a0529<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20418 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.36pt\"></span></span><span class=\"ps14039\">33<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20420 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.91pt\"></span></span><span class=\"ps20419\">838<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20421 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.92pt\"></span></span><span class=\"ps11491\">345<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20422 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.3pt\"></span></span><span class=\"ps15517\">916<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20423 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.23pt\"></span></span><span class=\"ps10314\">2\u00a0533<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15286 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20424 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20425 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20426 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20427 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20428 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20429 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20430 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.41pt\"></span></span><span class=\"ps20031\">114<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15299 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other securitised assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20431 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20432 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20433 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20434 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20435 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20436 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20437 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4599 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20438 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20439 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20440 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20441 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20442 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20443 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20444 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.72pt\"></span></span><span class=\"ps11072\">50<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15567 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total on-balance sheet exposures<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20445 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.51pt\"></span></span><span class=\"ps9934\">6\u00a0273<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20446 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.36pt\"></span></span><span class=\"ps3441\">2\u00a0529<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20447 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.43pt\"></span></span><span class=\"ps856\">33<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20448 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.45pt\"></span></span><span class=\"ps17513\">854<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20449 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.27pt\"></span></span><span class=\"ps12280\">7\u00a0172<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20450 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.69pt\"></span></span><span class=\"ps10044\">929<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20451 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.22pt\"></span></span><span class=\"ps19964\">7\u00a0272<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15568 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Guarantees<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20453 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.73pt\"></span></span><span class=\"ps20452\">13<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20455 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.44pt\"></span></span><span class=\"ps20454\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20456 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20457 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20458 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20459 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20460 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.75pt\"></span></span><span class=\"ps20069\">65<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps15569 ss2240\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Committed facilities related to loans <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20462 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.06pt\"></span></span><span class=\"ps20461\">268<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20464 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.04pt\"></span></span><span class=\"ps20463\">352<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20465 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20466 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.81pt\"></span></span><span class=\"ps13847\">436<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20467 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.63pt\"></span></span><span class=\"ps20012\">68<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20469 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.39pt\"></span></span><span class=\"ps20468\">113<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20470 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.41pt\"></span></span><span class=\"ps8357\">978<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps8902 ss2240\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Contingent liabilities, letters of credit <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">and other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20472 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.52pt\"></span></span><span class=\"ps20471\">24<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20473 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20474 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20475 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.3pt\"></span></span><span class=\"ps15517\">126<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20476 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20477 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20478 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.06pt\"></span></span><span class=\"ps20461\">546<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14500 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total off-balance sheet exposures<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20480 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.38pt\"></span></span><span class=\"ps20479\">305<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20481 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.6pt\"></span></span><span class=\"ps15465\">353<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20483 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.81pt\"></span></span><span class=\"ps20482\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20485 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.81pt\"></span></span><span class=\"ps20484\">562<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20486 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.41pt\"></span></span><span class=\"ps18400\">68<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20488 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.03pt\"></span></span><span class=\"ps20487\">113<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20489 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.18pt\"></span></span><span class=\"ps11704\">1\u00a0589<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14511 ss2240\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total gross credit and counterparty <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss2237\"><span class=\"f charStyle-b7f6e8e5 ps7\">exposures<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20490 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.39pt\"></span></span><span class=\"ps11675\">6\u00a0578<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20491 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.24pt\"></span></span><span class=\"ps11672\">2\u00a0882<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20492 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.43pt\"></span></span><span class=\"ps856\">33<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20493 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.21pt\"></span></span><span class=\"ps18557\">1\u00a0416<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20494 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.16pt\"></span></span><span class=\"ps16126\">7\u00a0240<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20495 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.95pt\"></span></span><span class=\"ps12178\">1\u00a0042<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20496 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.06pt\"></span></span><span class=\"ps12503\">8\u00a0861<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps15366 ss2239\"><div><div class=\"ps809 ss2237\"><span class=\"f charStyle-ef17fa27 ps7\"> At 31 March 2025</span><span class=\"f charStyle-d8bac126 ps20497\"><sup>^</sup></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15378 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cash and balances at central banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20498 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20499 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20500 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20501 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20502 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.51pt\"></span></span><span class=\"ps5508\">4\u00a0192<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20503 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20504 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2426 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20505 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20506 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20507 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20508 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20509 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20510 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20511 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.03pt\"></span></span><span class=\"ps609\">860<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps12310 ss2240\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Reverse repurchase agreements and <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">cash collateral on securities borrowed<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20512 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20513 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20514 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20515 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20516 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20517 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20518 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.74pt\"></span></span><span class=\"ps11937\">1\u00a0641<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15398 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20519 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20520 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20521 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20522 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20523 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.26pt\"></span></span><span class=\"ps9999\">2\u00a0366<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20524 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20526 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.41pt\"></span></span><span class=\"ps20525\">159<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps20527 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Bank debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20528 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20529 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20530 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20531 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20532 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20533 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20534 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.81pt\"></span></span><span class=\"ps13847\">324<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps20535 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20536 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20537 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20538 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20539 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20540 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.21pt\"></span></span><span class=\"ps16603\">2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20541 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.98pt\"></span></span><span class=\"ps19077\">15<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20542 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.06pt\"></span></span><span class=\"ps20461\">689<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9891 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20543 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20544 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.21pt\"></span></span><span class=\"ps16603\">2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20545 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.44pt\"></span></span><span class=\"ps20454\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20547 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.84pt\"></span></span><span class=\"ps20546\">10<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20548 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.44pt\"></span></span><span class=\"ps20454\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20549 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.87pt\"></span></span><span class=\"ps12413\">16<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20550 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.3pt\"></span></span><span class=\"ps15517\">216<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps12327 ss2240\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securities arising from <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">trading activities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20551 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20552 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20553 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20554 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20555 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20556 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20557 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.44pt\"></span></span><span class=\"ps20454\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps20558 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20559 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.73pt\"></span></span><span class=\"ps11367\">5\u00a0861<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20561 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.47pt\"></span></span><span class=\"ps20560\">2\u00a0373<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20563 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.61pt\"></span></span><span class=\"ps20562\">20<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20564 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.4pt\"></span></span><span class=\"ps16677\">851<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20565 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.05pt\"></span></span><span class=\"ps9970\">288<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20566 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.18pt\"></span></span><span class=\"ps16309\">914<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20567 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.51pt\"></span></span><span class=\"ps5508\">2\u00a0461<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps20568 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20569 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20570 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20571 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20572 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20573 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20574 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20575 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.16pt\"></span></span><span class=\"ps2275\">139<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps20576 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other securitised assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20577 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20578 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20579 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20580 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20581 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20582 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20583 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps20584 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20585 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20586 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20587 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20588 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20589 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20590 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20591 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.64pt\"></span></span><span class=\"ps12571\">26<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#f5f4f2;padding:0\"><div class=\"ps20592 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total on-balance sheet exposures<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f4f2;padding:0\"><div class=\"ps20593 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.18pt\"></span></span><span class=\"ps11704\">5\u00a0861<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f4f2;padding:0\"><div class=\"ps20594 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.63pt\"></span></span><span class=\"ps19212\">2\u00a0375<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f4f2;padding:0\"><div class=\"ps20595 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.92pt\"></span></span><span class=\"ps15257\">21<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f4f2;padding:0\"><div class=\"ps20596 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.74pt\"></span></span><span class=\"ps12690\">861<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f4f2;padding:0\"><div class=\"ps20598 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.65pt\"></span></span><span class=\"ps20597\">6\u00a0849<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f4f2;padding:0\"><div class=\"ps20599 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.45pt\"></span></span><span class=\"ps17513\">945<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f4f2;padding:0\"><div class=\"ps20600 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.18pt\"></span></span><span class=\"ps11704\">6\u00a0516<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps20601 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Guarantees<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20602 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.75pt\"></span></span><span class=\"ps2315\">14<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20603 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20604 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20605 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20606 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20607 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20608 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.85pt\"></span></span><span class=\"ps20066\">73<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps20609 ss2240\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Committed facilities related to loans <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20610 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.07pt\"></span></span><span class=\"ps12429\">226<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20612 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.51pt\"></span></span><span class=\"ps20611\">371<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20613 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20614 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.81pt\"></span></span><span class=\"ps13847\">493<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20615 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.87pt\"></span></span><span class=\"ps16891\">47<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20616 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.52pt\"></span></span><span class=\"ps20471\">94<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20617 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.42pt\"></span></span><span class=\"ps14045\">762<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps20618 ss2240\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Contingent liabilities, letters of credit <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">and other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20620 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.5pt\"></span></span><span class=\"ps20619\">39<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20621 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20622 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20623 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.28pt\"></span></span><span class=\"ps17141\">237<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20624 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20625 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20627 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.82pt\"></span></span><span class=\"ps20626\">484<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20628 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total off-balance sheet exposures<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20629 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.18pt\"></span></span><span class=\"ps13914\">279<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20630 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.24pt\"></span></span><span class=\"ps11783\">371<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20631 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.81pt\"></span></span><span class=\"ps20482\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20632 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.75pt\"></span></span><span class=\"ps18425\">730<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20633 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.77pt\"></span></span><span class=\"ps14062\">47<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20634 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.28pt\"></span></span><span class=\"ps20028\">94<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20635 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.35pt\"></span></span><span class=\"ps14229\">1\u00a0319<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20636 ss2240\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total gross credit and counterparty <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss2237\"><span class=\"f charStyle-b7f6e8e5 ps7\">exposures<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20637 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.72pt\"></span></span><span class=\"ps8474\">6\u00a0140<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20638 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.37pt\"></span></span><span class=\"ps14235\">2\u00a0746<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20639 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.92pt\"></span></span><span class=\"ps15257\">21<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20640 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.46pt\"></span></span><span class=\"ps3969\">1\u00a0591<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20641 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.78pt\"></span></span><span class=\"ps15053\">6\u00a0896<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20642 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.86pt\"></span></span><span class=\"ps15448\">1\u00a0039<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20643 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.4pt\"></span></span><span class=\"ps17622\">7\u00a0835<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20645 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span></span><span class=\"f charStyle-207fba8f ps968\">Re-presented as detailed on page 167.<span class=\"f ps2\"> </span></span></div></div><div><div class=\"ps181 ss8\"><div class=\"ss2152 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:18.75pt\"></td><td style=\"padding:0;width:309pt\"></td></tr><tr style=\"height:18.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps20644 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:42pt\"></td><td style=\"padding:0;width:42pt\"></td><td style=\"padding:0;width:42pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:42pt\"></td></tr><tr style=\"height:33pt\"><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss2241\"><div><div class=\"ps11633 ss99\"><span class=\"f charStyle-8d4b9b37 ps12587\">Retailers<span class=\"f ps2\"> </span></span></div><div class=\"ps11622 ss99\"><span class=\"f charStyle-8d4b9b37 ps11532\"> and<span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss99\"><span class=\"f charStyle-8d4b9b37 ps8551\"> wholesalers<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20649 ss2226\"><div><div class=\"ps11633 ss818\"><span class=\"f charStyle-8d4b9b37 ps20647\">Manufacturing<span class=\"f ps2\"> </span></span></div><div class=\"ps11622 ss818\"><span class=\"f charStyle-8d4b9b37 ps12165\"> and<span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss818\"><span class=\"f charStyle-8d4b9b37 ps20648\"> commerce<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20651 ss2242\"><div><div class=\"ps11624 ss629\"><span class=\"f charStyle-8d4b9b37 ps20650\">Construction<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20348 ss2243\"><div><div class=\"ps11633 ss281\"><span class=\"f charStyle-8d4b9b37 ps11356\">Other<span class=\"f ps2\"> </span></span></div><div class=\"ps11622 ss281\"><span class=\"f charStyle-8d4b9b37 ps20652\"> residential<span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss281\"><span class=\"f charStyle-8d4b9b37 ps20653\"> mortgages<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps8703 ss2243\"><div><div class=\"ps11633 ss281\"><span class=\"f charStyle-8d4b9b37 ps18878\">Corporate<span class=\"f ps2\"> </span></span></div><div class=\"ps11622 ss281\"><span class=\"f charStyle-8d4b9b37 ps17128\"> commercial<span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss281\"><span class=\"f charStyle-8d4b9b37 ps14530\"> real estate<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20654 ss2243\"><div><div class=\"ps11622 ss281\"><span class=\"f charStyle-8d4b9b37 ps416\">Mining and<span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss281\"><span class=\"f charStyle-8d4b9b37 ps15725\"> resources<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3814 ss2226\"><div><div class=\"ps11633 ss818\"><span class=\"f charStyle-8d4b9b37 ps16126\">Leisure,<span class=\"f ps2\"> </span></span></div><div class=\"ps11622 ss818\"><span class=\"f charStyle-8d4b9b37 ps20353\"> entertainment<span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss818\"><span class=\"f charStyle-8d4b9b37 ps20655\"> and tourism<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14027 ss2244\"><div><div class=\"ps11624 ss1267\"><span class=\"f charStyle-8d4b9b37 ps20656\">Transport<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3634 ss2244\"><div><div class=\"ps11622 ss1267\"><span class=\"f charStyle-8d4b9b37 ps15466\">Motor <span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss1267\"><span class=\"f charStyle-8d4b9b37 ps20657\">finance<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps4129 ss2245\"><div><div class=\"ps11622 ss2002\"><span class=\"f charStyle-8d4b9b37 ps11215\">Com-<span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss2002\"><span class=\"f charStyle-8d4b9b37 ps6977\">munication<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20659 ss2243\"><div><div class=\"ps11624 ss281\"><span class=\"f charStyle-a26246ce ps20658\">Total<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td colspan=\"11\" style=\"display:none\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3520 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20660 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20661 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20357 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20663 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20664 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20665 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20667 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20668 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20669 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.03pt\"></span></span><span class=\"ps20487\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20670 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.97pt\"></span></span><span class=\"ps3510\">3\u00a0174<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps5 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20671 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20672 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20364 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20673 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20674 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20675 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20676 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20677 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20678 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.03pt\"></span></span><span class=\"ps20487\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20679 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.51pt\"></span></span><span class=\"ps5508\">801<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps3527 ss868\"><div><div class=\"ps469 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20680 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20681 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20371 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20682 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20683 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20684 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14056 ss2248\"><div><div class=\"ps469 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20685 ss2248\"><div><div class=\"ps469 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20686 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.03pt\"></span></span><span class=\"ps20487\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20687 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.97pt\"></span></span><span class=\"ps3510\">1\u00a0885<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3612 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20688 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20689 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20376 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20690 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20691 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20692 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20693 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20694 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20695 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.03pt\"></span></span><span class=\"ps20487\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20696 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.49pt\"></span></span><span class=\"ps15646\">3\u00a0688<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3617 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20697 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20698 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20384 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20699 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20700 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20701 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20702 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20703 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20704 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.03pt\"></span></span><span class=\"ps20487\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20705 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.43pt\"></span></span><span class=\"ps12937\">474<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4577 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20706 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20707 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20391 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.81pt\"></span></span><span class=\"ps17512\">7<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20708 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20709 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20710 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20711 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.86pt\"></span></span><span class=\"ps5905\">18<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20712 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20713 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.03pt\"></span></span><span class=\"ps20487\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20715 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.33pt\"></span></span><span class=\"ps20714\">1\u00a0118<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1361 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.71pt\"></span></span><span class=\"ps5541\">9<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20716 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.71pt\"></span></span><span class=\"ps14075\">6<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20718 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.32pt\"></span></span><span class=\"ps20717\">3<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20400 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20719 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20720 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.46pt\"></span></span><span class=\"ps15743\">6<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20721 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20722 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.21pt\"></span></span><span class=\"ps12425\">9<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps1372 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20724 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.07pt\"></span></span><span class=\"ps20723\">5<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20725 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.17pt\"></span></span><span class=\"ps12229\">354<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps13728 ss868\"><div><div class=\"ps469 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20726 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20727 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20408 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20728 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20729 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20730 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20731 ss2248\"><div><div class=\"ps469 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20732 ss2248\"><div><div class=\"ps469 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20733 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.03pt\"></span></span><span class=\"ps20487\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20734 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15276 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.91pt\"></span></span><span class=\"ps11547\">287<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20736 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.8pt\"></span></span><span class=\"ps20735\">916<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20737 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.55pt\"></span></span><span class=\"ps11914\">192<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20416 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16455 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.64pt\"></span></span><span class=\"ps11818\">113<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20738 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.57pt\"></span></span><span class=\"ps16332\">5<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20739 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.02pt\"></span></span><span class=\"ps15454\">118<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20740 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.48pt\"></span></span><span class=\"ps152\">1\u00a0064<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20742 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.83pt\"></span></span><span class=\"ps20741\">1\u00a0109<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20743 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.02pt\"></span></span><span class=\"ps12148\">740<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20744 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.73pt\"></span></span><span class=\"ps11710\">18\u00a0011<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15286 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20745 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20746 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20424 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16464 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20747 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20748 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20749 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20750 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20751 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.03pt\"></span></span><span class=\"ps20487\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20753 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.66pt\"></span></span><span class=\"ps20752\">114<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15299 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20754 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20755 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20431 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16471 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20756 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20757 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20758 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20759 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20760 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.03pt\"></span></span><span class=\"ps20487\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20761 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4599 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20762 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20763 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20438 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16480 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20764 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20765 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20766 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.2pt\"></span></span><span class=\"ps13902\">8<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20767 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20768 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.19pt\"></span></span><span class=\"ps11140\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20769 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27pt\"></span></span><span class=\"ps11950\">59<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15567 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.19pt\"></span></span><span class=\"ps20770\">296<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20771 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.42pt\"></span></span><span class=\"ps14045\">922<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20772 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.11pt\"></span></span><span class=\"ps14826\">195<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20445 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.1pt\"></span></span><span class=\"ps10033\">7<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20773 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">113<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20774 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.22pt\"></span></span><span class=\"ps11592\">11<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20776 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.52pt\"></span></span><span class=\"ps20775\">118<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20777 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.85pt\"></span></span><span class=\"ps9416\">1\u00a0099<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20778 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.13pt\"></span></span><span class=\"ps16572\">1\u00a0109<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20779 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.57pt\"></span></span><span class=\"ps11388\">746<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps20781 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.8pt\"></span></span><span class=\"ps20780\">29\u00a0678<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15568 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20782 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20783 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20453 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20784 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.32pt\"></span></span><span class=\"ps12649\">3<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20785 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20786 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20787 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20788 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20789 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.03pt\"></span></span><span class=\"ps20487\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20790 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.88pt\"></span></span><span class=\"ps14988\">82<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps15569 ss868\"><div><div class=\"ps469 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.34pt\"></span></span><span class=\"ps20791\">10<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20793 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.79pt\"></span></span><span class=\"ps20792\">255<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20794 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.86pt\"></span></span><span class=\"ps11916\">20<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20462 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16486 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.34pt\"></span></span><span class=\"ps11913\">4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20795 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20796 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20797 ss2248\"><div><div class=\"ps469 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.87pt\"></span></span><span class=\"ps13328\">61<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20798 ss2248\"><div><div class=\"ps469 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20799 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.68pt\"></span></span><span class=\"ps14870\">236<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20801 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.84pt\"></span></span><span class=\"ps20800\">2\u00a0801<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps8902 ss868\"><div><div class=\"ps469 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20803 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.23pt\"></span></span><span class=\"ps20802\">13<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20804 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20472 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20805 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20806 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20807 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20809 ss2248\"><div><div class=\"ps469 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.44pt\"></span></span><span class=\"ps20808\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20810 ss2248\"><div><div class=\"ps469 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20812 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.96pt\"></span></span><span class=\"ps20811\">6<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20813 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.9pt\"></span></span><span class=\"ps14763\">716<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14500 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.98pt\"></span></span><span class=\"ps20814\">10<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20815 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.19pt\"></span></span><span class=\"ps13735\">268<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20817 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.68pt\"></span></span><span class=\"ps20816\">20<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20480 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.06pt\"></span></span><span class=\"ps11782\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20818 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.1pt\"></span></span><span class=\"ps10033\">7<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20819 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.06pt\"></span></span><span class=\"ps11782\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20820 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.31pt\"></span></span><span class=\"ps2711\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20821 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.64pt\"></span></span><span class=\"ps12281\">62<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20822 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.81pt\"></span></span><span class=\"ps16622\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20823 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.54pt\"></span></span><span class=\"ps9697\">242<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps20824 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.16pt\"></span></span><span class=\"ps3714\">3\u00a0599<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14511 ss868\"><div><div class=\"ps469 ss99\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.76pt\"></span></span><span class=\"ps7142\">306<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20825 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.63pt\"></span></span><span class=\"ps12288\">1\u00a0190<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20826 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.34pt\"></span></span><span class=\"ps12222\">215<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20490 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.1pt\"></span></span><span class=\"ps10033\">7<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20827 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.01pt\"></span></span><span class=\"ps15105\">120<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20828 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.22pt\"></span></span><span class=\"ps11592\">11<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20829 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.52pt\"></span></span><span class=\"ps20775\">118<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20830 ss2248\"><div><div class=\"ps469 ss1267\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.62pt\"></span></span><span class=\"ps13595\">1\u00a0161<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20831 ss2248\"><div><div class=\"ps469 ss1267\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.13pt\"></span></span><span class=\"ps16572\">1\u00a0109<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20832 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.21pt\"></span></span><span class=\"ps2286\">988<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20834 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.31pt\"></span></span><span class=\"ps20833\">33\u00a0277<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15378 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20835 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20836 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20498 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20837 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20838 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20839 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20840 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20841 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20842 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.03pt\"></span></span><span class=\"ps20487\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20843 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.76pt\"></span></span><span class=\"ps15028\">4\u00a0192<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2426 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20844 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20845 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20505 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20846 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20847 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20848 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20849 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20850 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20851 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.03pt\"></span></span><span class=\"ps20487\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20852 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.28pt\"></span></span><span class=\"ps9500\">860<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps12310 ss868\"><div><div class=\"ps469 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20853 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20854 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20512 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20855 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20856 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20857 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20858 ss2248\"><div><div class=\"ps469 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20859 ss2248\"><div><div class=\"ps469 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20860 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.03pt\"></span></span><span class=\"ps20487\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20861 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.99pt\"></span></span><span class=\"ps13119\">1\u00a0641<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15398 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20862 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20863 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20519 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20864 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20865 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20866 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20867 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20868 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20869 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.03pt\"></span></span><span class=\"ps20487\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20871 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.87pt\"></span></span><span class=\"ps20870\">2\u00a0525<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps20527 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20872 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20873 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20528 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20874 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20875 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20876 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20877 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20878 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20879 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.03pt\"></span></span><span class=\"ps20487\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20880 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.06pt\"></span></span><span class=\"ps12503\">324<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps20535 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20881 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20882 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20536 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.75pt\"></span></span><span class=\"ps10076\">39<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20883 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20884 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20885 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20886 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.99pt\"></span></span><span class=\"ps16397\">27<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20887 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20888 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.03pt\"></span></span><span class=\"ps20487\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20889 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.02pt\"></span></span><span class=\"ps15704\">772<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9891 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.34pt\"></span></span><span class=\"ps20791\">10<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20891 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.34pt\"></span></span><span class=\"ps20890\">10<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20893 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.69pt\"></span></span><span class=\"ps20892\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20543 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20894 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.69pt\"></span></span><span class=\"ps15385\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20895 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20896 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20897 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.98pt\"></span></span><span class=\"ps12268\">15<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20898 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20899 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.07pt\"></span></span><span class=\"ps20723\">5<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20900 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.3pt\"></span></span><span class=\"ps9455\">288<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps12327 ss868\"><div><div class=\"ps469 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20901 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20902 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20551 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20903 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20904 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20905 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20906 ss2248\"><div><div class=\"ps469 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20907 ss2248\"><div><div class=\"ps469 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20908 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.03pt\"></span></span><span class=\"ps20487\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20909 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.69pt\"></span></span><span class=\"ps15385\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps20558 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.54pt\"></span></span><span class=\"ps20910\">290<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20911 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.39pt\"></span></span><span class=\"ps13746\">830<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20912 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.66pt\"></span></span><span class=\"ps11919\">159<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20559 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20913 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.78pt\"></span></span><span class=\"ps11512\">121<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20914 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.34pt\"></span></span><span class=\"ps11913\">4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20915 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.77pt\"></span></span><span class=\"ps9815\">109<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20916 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.29pt\"></span></span><span class=\"ps12315\">891<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20917 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.83pt\"></span></span><span class=\"ps20741\">1\u00a0120<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20918 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.81pt\"></span></span><span class=\"ps11311\">698<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20919 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.28pt\"></span></span><span class=\"ps12499\">16\u00a0990<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps20568 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20920 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20921 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20569 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20922 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20923 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20924 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20925 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20926 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20927 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.03pt\"></span></span><span class=\"ps20487\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20928 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.41pt\"></span></span><span class=\"ps9239\">139<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps20576 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20929 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20930 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20577 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20931 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20932 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20933 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20934 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20935 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20936 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.03pt\"></span></span><span class=\"ps20487\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20937 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps20584 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20938 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20939 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20585 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20940 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20941 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20942 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20943 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20944 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20945 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.96pt\"></span></span><span class=\"ps20811\">2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20946 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.88pt\"></span></span><span class=\"ps14988\">28<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20592 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.55pt\"></span></span><span class=\"ps12673\">300<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20947 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.62pt\"></span></span><span class=\"ps3220\">840<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20948 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.78pt\"></span></span><span class=\"ps11512\">160<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20593 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.67pt\"></span></span><span class=\"ps11153\">39<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20949 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.45pt\"></span></span><span class=\"ps16000\">122<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20950 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.48pt\"></span></span><span class=\"ps11244\">4<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20951 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.03pt\"></span></span><span class=\"ps20487\">109<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20952 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.48pt\"></span></span><span class=\"ps8373\">933<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20953 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.36pt\"></span></span><span class=\"ps10357\">1\u00a0120<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20954 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.61pt\"></span></span><span class=\"ps20415\">705<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps20956 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.08pt\"></span></span><span class=\"ps20955\">27\u00a0760<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps20601 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20957 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20958 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20602 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20959 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.32pt\"></span></span><span class=\"ps12649\">3<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20960 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20961 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20962 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.86pt\"></span></span><span class=\"ps5905\">18<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20963 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20964 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.03pt\"></span></span><span class=\"ps20487\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20965 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.51pt\"></span></span><span class=\"ps5508\">108<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps20609 ss868\"><div><div class=\"ps469 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.48pt\"></span></span><span class=\"ps11244\">15<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20967 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.68pt\"></span></span><span class=\"ps20966\">194<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20968 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.69pt\"></span></span><span class=\"ps20892\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20610 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20969 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.45pt\"></span></span><span class=\"ps11867\">8<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20970 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20971 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.71pt\"></span></span><span class=\"ps14075\">2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20972 ss2248\"><div><div class=\"ps469 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.99pt\"></span></span><span class=\"ps16397\">97<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20973 ss2248\"><div><div class=\"ps469 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20974 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.4pt\"></span></span><span class=\"ps9248\">167<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20975 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.23pt\"></span></span><span class=\"ps16438\">2\u00a0477<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps20618 ss868\"><div><div class=\"ps469 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20977 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35pt\"></span></span><span class=\"ps20976\">39<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20978 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20620 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20979 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20980 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20981 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20982 ss2248\"><div><div class=\"ps469 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.44pt\"></span></span><span class=\"ps20808\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20983 ss2248\"><div><div class=\"ps469 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20984 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.03pt\"></span></span><span class=\"ps20487\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20986 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.25pt\"></span></span><span class=\"ps20985\">800<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20628 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.31pt\"></span></span><span class=\"ps8370\">15<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20987 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.21pt\"></span></span><span class=\"ps12425\">233<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20988 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.89pt\"></span></span><span class=\"ps911\">1<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20629 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.06pt\"></span></span><span class=\"ps11782\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20989 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.22pt\"></span></span><span class=\"ps11592\">11<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20990 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.06pt\"></span></span><span class=\"ps11782\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20991 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.09pt\"></span></span><span class=\"ps6212\">2<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20992 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.02pt\"></span></span><span class=\"ps16670\">116<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20993 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.81pt\"></span></span><span class=\"ps16622\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20994 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.98pt\"></span></span><span class=\"ps19075\">167<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps20995 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.17pt\"></span></span><span class=\"ps1864\">3\u00a0385<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20636 ss868\"><div><div class=\"ps469 ss99\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.37pt\"></span></span><span class=\"ps11723\">315<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20996 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.85pt\"></span></span><span class=\"ps9404\">1\u00a0073<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20998 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.27pt\"></span></span><span class=\"ps20997\">161<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20637 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.67pt\"></span></span><span class=\"ps11153\">39<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20999 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.01pt\"></span></span><span class=\"ps15105\">133<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21000 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.48pt\"></span></span><span class=\"ps11244\">4<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21001 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.8pt\"></span></span><span class=\"ps8407\">111<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21003 ss2248\"><div><div class=\"ps469 ss1267\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.72pt\"></span></span><span class=\"ps21002\">1\u00a0049<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21004 ss2248\"><div><div class=\"ps469 ss1267\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.36pt\"></span></span><span class=\"ps10357\">1\u00a0120<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21005 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.93pt\"></span></span><span class=\"ps11383\">872<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><span id=\"ife00377e9b3a49b39ff690e100068e5d_39-10-1-1-3222700\"></span><div class=\"ps21006 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.64pt\"></span></span><span class=\"ps5581\">31\u00a0145<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps181 ss8\"><div class=\"ss2152 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:18.75pt\"></td><td style=\"padding:0;width:309pt\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss2149\"><div><div class=\"ps28 ss740\"><div class=\"ps18454\"><div class=\"ps19\"><img alt=\"Unaudited_information.svg\" id=\"i-188\" src=\"data:image/svg+xml;base64,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\" style=\"height:13.52pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps3212 ss2151\"><div><div class=\"ps778 ss2150\"><span class=\"f charStyle-8148111c ps7\">Gross credit and counterparty exposures by residual contractual maturity<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21144 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:162.75pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:42pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss2249\"><div><div class=\"ps8543 ss191\"><span class=\"f charStyle-a26246ce ps7\">At 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21007 ss2250\"><div><div class=\"ps11112 ss629\"><span class=\"f charStyle-8d4b9b37 ps17184\">Up to three<span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss629\"><span class=\"f charStyle-8d4b9b37 ps8585\"> months<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2462 ss2250\"><div><div class=\"ps11112 ss629\"><span class=\"f charStyle-8d4b9b37 ps2337\">Three to six<span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss629\"><span class=\"f charStyle-8d4b9b37 ps8585\"> months<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15992 ss2250\"><div><div class=\"ps11112 ss629\"><span class=\"f charStyle-8d4b9b37 ps21008\">Six months<span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss629\"><span class=\"f charStyle-8d4b9b37 ps17098\"> to one year<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21009 ss2250\"><div><div class=\"ps11112 ss629\"><span class=\"f charStyle-8d4b9b37 ps18689\">One to five<span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss629\"><span class=\"f charStyle-8d4b9b37 ps3441\"> years<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12055 ss2250\"><div><div class=\"ps11112 ss629\"><span class=\"f charStyle-8d4b9b37 ps21010\">Five to 10<span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss629\"><span class=\"f charStyle-8d4b9b37 ps3441\"> years<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21011 ss2251\"><div><div class=\"ps11114 ss281\"><span class=\"f charStyle-8d4b9b37 ps14334\">&gt;10 years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3775 ss2250\"><div><div class=\"ps11114 ss629\"><span class=\"f charStyle-a26246ce ps986\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2724 ss2252\"><div><div class=\"ps4014 ss191\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps817 ss2249\"><div><div class=\"ps997 ss191\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cash and balances at central banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps21013 ss630\"><div><div class=\"ps997 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.97pt\"></span></span><span class=\"ps21012\">3\u00a0174<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps21014 ss630\"><div><div class=\"ps997 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps21015 ss630\"><div><div class=\"ps997 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps21016 ss630\"><div><div class=\"ps997 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps12059 ss630\"><div><div class=\"ps997 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps21017 ss2253\"><div><div class=\"ps997 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps21018 ss630\"><div><div class=\"ps997 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.97pt\"></span></span><span class=\"ps21012\">3\u00a0174<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9200 ss198\"><div><div class=\"ps815 ss191\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21019 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.51pt\"></span></span><span class=\"ps12215\">801<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21020 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21021 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21022 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21023 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21024 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21025 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.51pt\"></span></span><span class=\"ps12215\">801<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps9204 ss2254\"><div><div class=\"ps815 ss191\"><span class=\"f charStyle-2b0f4fe0 ps7\">Reverse repurchase agreements and cash <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss191\"><span class=\"f charStyle-2b0f4fe0 ps7\">collateral on securities borrowed<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21026 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.96pt\"></span></span><span class=\"ps13444\">1\u00a0553<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21027 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.41pt\"></span></span><span class=\"ps12687\">316<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21028 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.12pt\"></span></span><span class=\"ps11120\">16<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21029 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21030 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21031 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21032 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.97pt\"></span></span><span class=\"ps21012\">1\u00a0885<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4084 ss198\"><div><div class=\"ps815 ss191\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21033 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.22pt\"></span></span><span class=\"ps9323\">1\u00a0547<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21034 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.09pt\"></span></span><span class=\"ps8324\">1\u00a0367<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21035 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.43pt\"></span></span><span class=\"ps11158\">194<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21036 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.29pt\"></span></span><span class=\"ps13227\">536<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12154 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.65pt\"></span></span><span class=\"ps21037\">44<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21038 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21039 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.49pt\"></span></span><span class=\"ps15558\">3\u00a0688<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4676 ss198\"><div><div class=\"ps815 ss191\"><span class=\"f charStyle-2b0f4fe0 ps7\">Bank debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21040 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.24pt\"></span></span><span class=\"ps11349\">27<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21041 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.09pt\"></span></span><span class=\"ps3234\">10<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21042 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30pt\"></span></span><span class=\"ps11163\">59<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21043 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.53pt\"></span></span><span class=\"ps11563\">367<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12158 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.35pt\"></span></span><span class=\"ps13630\">11<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21044 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21045 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.43pt\"></span></span><span class=\"ps14780\">474<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3327 ss198\"><div><div class=\"ps815 ss191\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21046 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.35pt\"></span></span><span class=\"ps13630\">11<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21047 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21049 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.34pt\"></span></span><span class=\"ps21048\">4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21051 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.88pt\"></span></span><span class=\"ps21050\">68<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12162 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.2pt\"></span></span><span class=\"ps10492\">224<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21052 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.77pt\"></span></span><span class=\"ps9675\">811<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21054 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.33pt\"></span></span><span class=\"ps21053\">1\u00a0118<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps7432 ss198\"><div><div class=\"ps815 ss191\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21056 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.01pt\"></span></span><span class=\"ps21055\">111<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21057 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.77pt\"></span></span><span class=\"ps11119\">64<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21058 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.89pt\"></span></span><span class=\"ps1616\">96<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21059 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.35pt\"></span></span><span class=\"ps19108\">75<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12166 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.34pt\"></span></span><span class=\"ps21048\">4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21060 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.34pt\"></span></span><span class=\"ps11913\">4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21061 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.17pt\"></span></span><span class=\"ps14822\">354<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12168 ss198\"><div><div class=\"ps815 ss191\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securities arising from trading activities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21062 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21063 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21064 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21065 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12170 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21066 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21067 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8389 ss198\"><div><div class=\"ps815 ss191\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21068 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.98pt\"></span></span><span class=\"ps14958\">1\u00a0586<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21069 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.85pt\"></span></span><span class=\"ps15468\">1\u00a0235<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21070 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.76pt\"></span></span><span class=\"ps13062\">2\u00a0421<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21071 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.63pt\"></span></span><span class=\"ps19841\">8\u00a0998<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21072 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.85pt\"></span></span><span class=\"ps15468\">2\u00a0102<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21073 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.88pt\"></span></span><span class=\"ps14802\">1\u00a0669<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps8403 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.73pt\"></span></span><span class=\"ps16927\">18\u00a0011<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12558 ss198\"><div><div class=\"ps815 ss191\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21074 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21075 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21076 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21077 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.97pt\"></span></span><span class=\"ps12661\">50<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21078 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.77pt\"></span></span><span class=\"ps11119\">64<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21079 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21080 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.66pt\"></span></span><span class=\"ps10167\">114<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12562 ss198\"><div><div class=\"ps815 ss191\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other securitised assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21081 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21082 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21083 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21084 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21085 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21086 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21087 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3669 ss198\"><div><div class=\"ps815 ss191\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21088 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.97pt\"></span></span><span class=\"ps12661\">50<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21089 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21090 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21092 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.46pt\"></span></span><span class=\"ps21091\">9<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21093 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21094 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17000 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30pt\"></span></span><span class=\"ps11163\">59<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9817 ss198\"><div><div class=\"ps815 ss191\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total on-balance sheet exposures<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps21095 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.82pt\"></span></span><span class=\"ps9443\">8\u00a0860<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps21096 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.49pt\"></span></span><span class=\"ps14734\">2\u00a0992<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps21097 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.54pt\"></span></span><span class=\"ps13636\">2\u00a0790<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps21098 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.23pt\"></span></span><span class=\"ps139\">10\u00a0103<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps21099 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17pt\"></span></span><span class=\"ps11094\">2\u00a0449<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps21101 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14pt\"></span></span><span class=\"ps21100\">2\u00a0484<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps21102 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.8pt\"></span></span><span class=\"ps13450\">29\u00a0678<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4596 ss198\"><div><div class=\"ps815 ss191\"><span class=\"f charStyle-2b0f4fe0 ps7\">Guarantees<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21103 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.23pt\"></span></span><span class=\"ps4264\">78<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21104 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21105 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.32pt\"></span></span><span class=\"ps20717\">3<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21106 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21107 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.69pt\"></span></span><span class=\"ps20892\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21108 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21109 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.88pt\"></span></span><span class=\"ps21050\">82<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps346 ss2254\"><div><div class=\"ps815 ss191\"><span class=\"f charStyle-2b0f4fe0 ps7\">Committed facilities related to loans and <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss191\"><span class=\"f charStyle-2b0f4fe0 ps7\">advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21110 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.12pt\"></span></span><span class=\"ps11120\">91<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21111 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.01pt\"></span></span><span class=\"ps9510\">157<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21112 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.17pt\"></span></span><span class=\"ps14822\">398<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21114 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.11pt\"></span></span><span class=\"ps21113\">1\u00a0616<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21115 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.31pt\"></span></span><span class=\"ps11167\">524<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21116 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.23pt\"></span></span><span class=\"ps16041\">15<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21117 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.84pt\"></span></span><span class=\"ps8441\">2\u00a0801<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps4338 ss2254\"><div><div class=\"ps815 ss191\"><span class=\"f charStyle-2b0f4fe0 ps7\">Contingent liabilities, letters of credit and <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss191\"><span class=\"f charStyle-2b0f4fe0 ps7\">other</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21119 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.55pt\"></span></span><span class=\"ps21118\">497<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21120 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.34pt\"></span></span><span class=\"ps21048\">4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21121 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.24pt\"></span></span><span class=\"ps11349\">72<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21122 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.43pt\"></span></span><span class=\"ps11158\">142<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21123 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21124 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.69pt\"></span></span><span class=\"ps15385\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps8458 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.9pt\"></span></span><span class=\"ps15335\">716<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15917 ss198\"><div><div class=\"ps815 ss191\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total off-balance sheet exposures<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps21125 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.71pt\"></span></span><span class=\"ps11236\">666<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps21126 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.27pt\"></span></span><span class=\"ps20997\">161<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps21128 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.08pt\"></span></span><span class=\"ps21127\">473<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps21129 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.92pt\"></span></span><span class=\"ps12379\">1\u00a0758<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps21130 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.18pt\"></span></span><span class=\"ps12150\">525<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps21132 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.94pt\"></span></span><span class=\"ps21131\">16<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps21133 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.16pt\"></span></span><span class=\"ps4193\">3\u00a0599<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps9843 ss2254\"><div><div class=\"ps815 ss191\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total gross credit and counterparty <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss191\"><span class=\"f charStyle-b7f6e8e5 ps7\">exposures<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21135 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.38pt\"></span></span><span class=\"ps21134\">9\u00a0526<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21136 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.45pt\"></span></span><span class=\"ps16513\">3\u00a0153<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21137 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.28pt\"></span></span><span class=\"ps13559\">3\u00a0263<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21138 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.92pt\"></span></span><span class=\"ps17762\">11\u00a0861<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21139 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.62pt\"></span></span><span class=\"ps11096\">2\u00a0974<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21141 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.96pt\"></span></span><span class=\"ps21140\">2\u00a0500<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21143 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.31pt\"></span></span><span class=\"ps21142\">33\u00a0277<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">55<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps14931\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps14932\">Additional credit risk information<span class=\"f ps2\"> </span></span></div><div class=\"ps5918 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Credit risk classification and provisioning policy<span class=\"f ps2\"> </span></span></div><div class=\"ps5919 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">IFRS 9 requirements have been embedded into our Group credit <span class=\"f ps2\"> </span></span></div><div class=\"ps5920 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">risk classification and provisioning policy. A framework has been <span class=\"f ps2\"> </span></span></div><div class=\"ps13827 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">established to incorporate both quantitative and qualitative <span class=\"f ps2\"> </span></span></div><div class=\"ps13828 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">measures.</span></div><div class=\"ps21147 ss8\"><div class=\"ss186 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:20.25pt\"></td><td style=\"padding:0;width:198.75pt\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss1214\"><div><div class=\"ps28 ss92\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Page_references.svg\" id=\"i-189\" src=\"data:image/svg+xml;base64,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\" style=\"height:15.59pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps387 ss2255\"><div><div class=\"ps472 ss1371\"><span class=\"f charStyle-2b0f4fe0 ps7\">For further detail on our credit risk classification and <span class=\"f ps2\"> </span></span></div><div class=\"ps5741 ss1371\"><span class=\"f charStyle-2b0f4fe0 ps7\">provision policy please refer to pages 79 and 80.<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21150 ss8\"><div class=\"ss683 ws0 ps14\"><div><span id=\"i91b264f798f74674a4826bdb70aa144f_1668\"></span><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"padding:0\"><div class=\"ps19 ss2256\" style=\"overflow:hidden\"><div><div class=\"ps21148 ss683\"><span class=\"f charStyle-0e78c81e ps7\">Internal credit rating models and ECL <span class=\"f ps2\"> </span></span></div><div class=\"ps21149 ss683\"><span class=\"f charStyle-0e78c81e ps7\">methodology<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21151 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Internal credit rating models cover all material asset classes. <span class=\"f ps2\"> </span></span></div><div class=\"ps21152 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">These internal credit rating models are also used for IFRS 9 <span class=\"f ps2\"> </span></span></div><div class=\"ps21153 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">modelling after adjusting for key differences. Internal credit <span class=\"f ps2\"> </span></span></div><div class=\"ps21154 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">models calculate through the economic cycle losses whereas <span class=\"f ps2\"> </span></span></div><div class=\"ps21155 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">IFRS 9 requires 12-month or lifetime point-in-time losses based <span class=\"f ps2\"> </span></span></div><div class=\"ps11982 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">on conditions at the reporting date and multiple economic <span class=\"f ps2\"> </span></span></div><div class=\"ps21156 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">scenario forecasts of the future conditions over the <span class=\"f ps2\"> </span></span></div><div class=\"ps21157 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">expected\u00a0lives.<span class=\"f ps2\"> </span></span></div><div class=\"ps21159 ss8\"><div class=\"ss607 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:20.25pt\"></td><td style=\"padding:0;width:213.75pt\"></td></tr><tr style=\"height:21.75pt\"><td style=\"padding:0\"><div class=\"ps19 ss2257\"><div><div class=\"ps28 ss92\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Page_references.svg\" id=\"i-190\" src=\"data:image/svg+xml;base64,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\" style=\"height:15.59pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps387 ss1419\"><div><div class=\"ps5733 ss892\"><span class=\"f charStyle-9458d4de ps7\">Further information on internal credit ratings is provided on </span></div><div class=\"ps17379 ss892\"><span class=\"f charStyle-9458d4de ps7\">page\u00a0<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2b0f4fe0 ps21158\"><a class=\"Hyperlink\" href=\"#i45a8c081432f44fb823be476738fa94c_0-0-1-1-3222700\" style=\"z-index:1\">162</a><span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps19096\">.<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21161 ss8\"><div class=\"ss2258 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:133.5pt\"></td></tr><tr style=\"height:18.75pt\"><td style=\"padding:0\"><div class=\"ps19 ss2259\"><div><div class=\"ps18156 ss2258\"><span class=\"f charStyle-b9f48ea1 ps7\">Key judgements<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21162 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The measurement of ECL has reliance on expert credit </span></div><div class=\"ps21163 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">judgement. Key judgemental areas are highlighted below and <span class=\"f ps2\"> </span></span></div><div class=\"ps21164 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">are subject to robust governance processes. Key drivers of </span></div><div class=\"ps21165 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">measurement uncertainty include:<span class=\"f ps2\"> </span></span></div><div class=\"ps21166 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">The assessment of a significant increase in credit risk<span class=\"f ps2\"> </span></span></div><div class=\"ps21167 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">A range of forward-looking probability weighted macro-<span class=\"f ps2\"> </span></span></div><div class=\"ps21168 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">economic scenarios</span></div><div class=\"ps21169 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Estimations of probabilities of default, loss given default and </span></div><div class=\"ps21170 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">exposures at default using models.</span></div><div class=\"ps21171 ss8\"><div class=\"ss222 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:20.25pt\"></td><td style=\"padding:0;width:214.5pt\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss1214\"><div><div class=\"ps28 ss92\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Page_references.svg\" id=\"i-191\" src=\"data:image/svg+xml;base64,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\" style=\"height:15.59pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps387 ss2260\"><div><div class=\"ps472 ss601\"><span class=\"f charStyle-2b0f4fe0 ps7\">For further detail on our process for determining ECL <span class=\"f ps2\"> </span></span></div><div class=\"ps5741 ss601\"><span class=\"f charStyle-2b0f4fe0 ps7\">please refer to page 80.<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps74\">Key judgements<span id=\"i91b264f798f74674a4826bdb70aa144f_1665\"></span><span id=\"i91b264f798f74674a4826bdb70aa144f_1666\"></span></span><span class=\"f charStyle-21b4da98 ps21172\"> at </span><span class=\"f charStyle-21b4da98 ps21173\">31 March 2026</span></div><div class=\"ps10770 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Key judgemental areas under IFRS 9 are subject to robust </span></div><div class=\"ps10771 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">governance processes. At 31 March 2026, the composition and </span></div><div class=\"ps19160 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">weightings of the forward-looking macro-economic scenarios </span></div><div class=\"ps19161 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">were revised to reflect the current pressures in the macro-</span></div><div class=\"ps19162 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">economic environment, however there remains reliance on </span></div><div class=\"ps19163 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">expert credit judgements to ensure that the overall level of ECL </span></div><div class=\"ps19164 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">is reasonable.</span></div><div class=\"ps21174 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">The recalibration of models in preparation for IRB adoption, </span></div><div class=\"ps19440 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">together with adjustments to address known model </span></div><div class=\"ps19447 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">implementation deficiencies, resulted in an increase in ECL of </span></div><div class=\"ps21175 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">\u00a33.7 million during the year. This was offset by the full release </span></div><div class=\"ps21176 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">of the management overlay (31 March 2025: \u00a33.7 million), which </span></div><div class=\"ps19169 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">had previously been maintained to capture uncertainty in the </span></div><div class=\"ps19170 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">models\u2019 predictive capability.</span></div><div class=\"ps21177 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps74\">Macro-economic sensitivities</span></div><div class=\"ps21178 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps74\">Changes in macro-economic scenarios and weightings may </span></div><div class=\"ps10784 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps74\">result in the volatility of provisions, particularly to Stage 1 and 2 </span></div><div class=\"ps21179 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps74\">assets. Sensitivities to macro-economic scenarios and factors </span></div><div class=\"ps21180 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps74\">form part of our overall risk monitoring, in particular the Bank\u2019s </span></div><div class=\"ps10786 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps74\">potential ECLs if each scenario were given a 100% weighting. In </span></div><div class=\"ps21181 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps74\">these instances all non-modelled ECLs, including credit </span></div><div class=\"ps21182 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps74\">assessed ECLs and other management judgements remain </span></div><div class=\"ps21183 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps74\">unchanged.</span></div><div class=\"ps21184 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">The total reported ECL at 31 March 2026 amounted to \u00a3217 </span></div><div class=\"ps21185 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">million (31 March 2025: \u00a3187 million). The table below </span></div><div class=\"ps21186 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">summarises the variance from reported ECL should the base </span></div><div class=\"ps21187 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">case and two downside cases be weighted by 100%. Whilst the </span></div><div class=\"ps21188 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">outputs from these 100% weighted scenarios are consistent </span></div><div class=\"ps21189 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">with the macro-economic factor inputs set out in the context of </span></div><div class=\"ps21190 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">each scenario, in practice the outcome could differ due to </span></div><div class=\"ps21191 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">management actions or other key judgements applied.</span></div><div class=\"ps21200 ss8\"><div class=\"ss222 ws0 ps89\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:187.5pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:32.25pt\"><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss2262\"><div><div class=\"ps12002 ss2261\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">At </span><span class=\"f charStyle-ef17fa27 ps13038\">31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21196 ss2263\"><div><div class=\"ps12008 ss99\"><span class=\"f charStyle-ef17fa27 ps21192\">(Increased)</span></div><div class=\"ps12003 ss99\"><span class=\"f charStyle-ef17fa27 ps21193\">/decreased </span></div><div class=\"ps12004 ss99\"><span class=\"f charStyle-ef17fa27 ps21194\">change in </span></div><div class=\"ps12006 ss99\"><span class=\"f charStyle-ef17fa27 ps21195\">reported </span></div><div class=\"ps12002 ss99\"><span class=\"f charStyle-ef17fa27 ps8377\">ECL</span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps2487 ss2264\"><div><div class=\"ps2158 ss2261\"><span class=\"f charStyle-2b0f4fe0 ps7\">Base case (100%)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps21197 ss850\"><div><div class=\"ps2158 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.01pt\"></span></span><span class=\"ps9510\">9.4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3458 ss2265\"><div><div class=\"ps4184 ss2261\"><span class=\"f charStyle-2b0f4fe0 ps7\">Severe downside 1 (100%)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21198 ss855\"><div><div class=\"ps4184 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.79pt\"></span></span><span class=\"ps10386\">(30.8)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3463 ss2265\"><div><div class=\"ps4184 ss2261\"><span class=\"f charStyle-2b0f4fe0 ps7\">Downside 2 (100%)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21199 ss855\"><div><div class=\"ps4184 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.65pt\"></span></span><span class=\"ps14687\">(6.5)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps21209 ss8\"><div class=\"ss222 ws0 ps89\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:190.5pt\"></td><td style=\"padding:0;width:44.25pt\"></td></tr><tr style=\"height:42pt\"><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss2267\"><div><div class=\"ps14216 ss2266\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">At </span><span class=\"f charStyle-ef17fa27 ps13038\">31 March 2025</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21203 ss2268\"><div><div class=\"ps19959 ss99\"><span class=\"f charStyle-6f1c08a8 ps21201\">(Increased)/</span></div><div class=\"ps19947 ss99\"><span class=\"f charStyle-6f1c08a8 ps16739\">decreased </span></div><div class=\"ps19948 ss99\"><span class=\"f charStyle-6f1c08a8 ps21202\">change in </span></div><div class=\"ps19950 ss99\"><span class=\"f charStyle-6f1c08a8 ps13450\">reported </span></div><div class=\"ps19951 ss99\"><span class=\"f charStyle-6f1c08a8 ps9544\">ECL</span></div></div></div></td></tr><tr style=\"height:9pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21204 ss2269\" style=\"overflow:hidden\"><div><div class=\"ps2467 ss99\"><span class=\"f charStyle-8d4b9b37 ps13474\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3564 ss2270\"><div><div class=\"ps2158 ss2266\"><span class=\"f charStyle-2b0f4fe0 ps7\">Base case (100%)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps21205 ss850\"><div><div class=\"ps2158 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.36pt\"></span></span><span class=\"ps13900\">9.1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps216 ss2271\"><div><div class=\"ps4184 ss2266\"><span class=\"f charStyle-2b0f4fe0 ps7\">Downside 1 - trade war (100%)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21206 ss855\"><div><div class=\"ps4184 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.08pt\"></span></span><span class=\"ps9472\">(26.5)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14634 ss2271\"><div><div class=\"ps4184 ss2266\"><span class=\"f charStyle-2b0f4fe0 ps7\">Downside 2 - global synchronised downturn (100%)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21208 ss855\"><div><div class=\"ps4184 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.19pt\"></span></span><span class=\"ps21207\">(16.8)</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps181 ss8\"><div class=\"ss696 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:213pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss2272\"><div><div class=\"ps4455 ss696\"><span class=\"f charStyle-0e78c81e ps7\">Forward-looking macro-economic scenarios<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21213 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The measurement of ECL requires the use of multiple economic <span class=\"f ps2\"> </span></span></div><div class=\"ps21214 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">scenarios to calculate a probability weighted forward\u2013looking <span class=\"f ps2\"> </span></span></div><div class=\"ps21215 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">estimate. These scenarios are updated at least twice a year, or <span class=\"f ps2\"> </span></span></div><div class=\"ps21216 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">more frequently if there is a macro-economic shock or <span class=\"f ps2\"> </span></span></div><div class=\"ps21217 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">significant shift in expectations. The weighting of these <span class=\"f ps2\"> </span></span></div><div class=\"ps21218 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">scenarios for IFRS 9 as well as the scenarios themselves are <span class=\"f ps2\"> </span></span></div><div class=\"ps21219 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">discussed and presented at the relevant BRCCs as well as the <span class=\"f ps2\"> </span></span></div><div class=\"ps21220 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">relevant capital committees for approval, which form part of\u00a0the <span class=\"f ps2\"> </span></span></div><div class=\"ps21221 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">principal governance framework for macro\u2013economic scenarios. <span class=\"f ps2\"> </span></span></div><div class=\"ps21222 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">They are also approved by the relevant Audit\u00a0Committees.<span class=\"f ps2\"> </span></span></div><div class=\"ps21223 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">A number of forecast economic scenarios are considered for <span class=\"f ps2\"> </span></span></div><div class=\"ps21224 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">capital planning, stress testing (including Investec-specific <span class=\"f ps2\"> </span></span></div><div class=\"ps21225 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">stress scenarios) and IFRS 9 ECL measurement.<span class=\"f ps2\"> </span></span></div><div class=\"ps21227 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For Investec plc, <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21226\">four macro\u2013economic scenarios were used in </span></div><div class=\"ps21228 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the measurement of ECL. These scenarios incorporate a base </span></div><div class=\"ps21229 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">case, an upside case and two downside cases.</span></div><div class=\"ps21230 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">As part of the annual scenario review and in light of the current </span></div><div class=\"ps21231 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">macro-economic environment, the composition of the downside </span></div><div class=\"ps21232 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">scenarios has been updated to incorporate severe downside 1, </span></div><div class=\"ps21233 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">which is an AI and private credit based scenario, replacing the </span></div><div class=\"ps21234 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">previous downside 2 - global synchronised downturn scenario. </span></div><div class=\"ps21235 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Downside 2 is an inflation scenario focusing on the Middle East </span></div><div class=\"ps21236 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and an energy price shock, which replaces the downside 1 - </span></div><div class=\"ps21237 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">trade war scenario.</span></div><div class=\"ps21238 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a1c85896 ps23\">In addition to the assessment of the macro-economic scenarios <span class=\"f ps2\"> </span></span></div><div class=\"ps21239 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a1c85896 ps23\">themselves, scenario weightings are also reviewed taking into <span class=\"f ps2\"> </span></span></div><div class=\"ps21240 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a1c85896 ps23\">account the latest economic developments and the associated <span class=\"f ps2\"> </span></span></div><div class=\"ps21241 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a1c85896 ps23\">risks to the outlook. Prominent risks at the start of the year included <span class=\"f ps2\"> </span></span></div><div class=\"ps21242 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a1c85896 ps23\">concerns over AI, via company valuations and spending, issues <span class=\"f ps2\"> </span></span></div><div class=\"ps21243 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a1c85896 ps23\">surfacing in the private credit space, and the possible re-<span class=\"f ps2\"> </span></span></div><div class=\"ps21244 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a1c85896 ps23\">emergence of inflationary pressures, via geopolitical developments. <span class=\"f ps2\"> </span></span></div><div class=\"ps21245 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a1c85896 ps23\">Consequently, severe downside 1 scenario was allocated a 15% <span class=\"f ps2\"> </span></span></div><div class=\"ps21246 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a1c85896 ps23\">weight, while downside 2 scenario was allocated a 30% weight. <span class=\"f ps2\"> </span></span></div><div class=\"ps21247 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a1c85896 ps23\">The risks to economic activity remain skewed to the downside, with <span class=\"f ps2\"> </span></span></div><div class=\"ps21248 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a1c85896 ps23\">the downside weighting biased towards downside 2, given the <span class=\"f ps2\"> </span></span></div><div class=\"ps21250 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a1c85896 ps23\">escalating war in Iran and an energy price shock.<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21249\"> <span class=\"f ps2\"> </span></span></div><div class=\"ps21251 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The base case assumes that the onset of the Iranian conflict <span class=\"f ps2\"> </span></span></div><div class=\"ps21252 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">clouds the global economic outlook, given the sharp rise in <span class=\"f ps2\"> </span></span></div><div class=\"ps21253 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">energy prices. In the UK, annual GDP growth is forecast at 0.8% <span class=\"f ps2\"> </span></span></div><div class=\"ps21254 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">for 2026, representing a 0.4% deterioration relative to pre-<span class=\"f ps2\"> </span></span></div><div class=\"ps21255 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">conflict estimates, reflecting an assumption of a short conflict <span class=\"f ps2\"> </span></span></div><div class=\"ps21256 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and energy prices trending towards pre-war levels. Activity is <span class=\"f ps2\"> </span></span></div><div class=\"ps21257 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">expected to recover towards the end of 2026 and into 2027, <span class=\"f ps2\"> </span></span></div><div class=\"ps21258 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">with the pace of growth anticipated to strengthen to 1.8%. CPI <span class=\"f ps2\"> </span></span></div><div class=\"ps21259 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">inflation is assumed to rise through mid-2026, peaking at 3.5% <span class=\"f ps2\"> </span></span></div><div class=\"ps21260 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">before moderating to 3.3% by year end and returning to the 2% <span class=\"f ps2\"> </span></span></div><div class=\"ps21261 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">target by the fourth quarter of 2027. Near term inflation <span class=\"f ps2\"> </span></span></div><div class=\"ps21262 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">pressures are expected to result in a pause in the Bank of <span class=\"f ps2\"> </span></span></div><div class=\"ps21263 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">England (BoE) path of gradual easing, with Bank rate held at <span class=\"f ps2\"> </span></span></div><div class=\"ps21264 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">3.75% throughout 2026 before interest rate cuts resume in <span class=\"f ps2\"> </span></span></div><div class=\"ps21265 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">2027, ending the year at 3.0%. Globally, economic growth slows <span class=\"f ps2\"> </span></span></div><div class=\"ps21266 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">modestly to 3.0% in 2026, on account of the effects of the war, <span class=\"f ps2\"> </span></span></div><div class=\"ps21267 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">before recovering in 2027 and returning to trend levels of <span class=\"f ps2\"> </span></span></div><div class=\"ps21268 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">around 3.5% over the medium term. Advanced economies are <span class=\"f ps2\"> </span></span></div><div class=\"ps21269 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">projected to grow modestly, with the US expected to <span class=\"f ps2\"> </span></span></div><div class=\"ps21270 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">outperform with average annual growth of 2% while China\u2019s <span class=\"f ps2\"> </span></span></div><div class=\"ps21271 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">GDP growth averages 4.5% over the medium term. As with the <span class=\"f ps2\"> </span></span></div><div class=\"ps21272 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">UK, global monetary policy is anticipated to return to more <span class=\"f ps2\"> </span></span></div><div class=\"ps21273 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">neutral levels.<span class=\"f ps2\"> </span></span></div><div class=\"ps21213 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">Severe downside 1 scenario assumes that equity markets <span class=\"f ps2\"> </span></span></div><div class=\"ps21214 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">experience a significant repricing in AI technology companies, <span class=\"f ps2\"> </span></span></div><div class=\"ps21215 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">triggering sharp falls in equities, with the FTSE 100 falling 56%. <span class=\"f ps2\"> </span></span></div><div class=\"ps21216 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">This\u00a0shock spreads across asset classes and prompts an <span class=\"f ps2\"> </span></span></div><div class=\"ps21217 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">unwinding of a period of compressed risk premiums (GBP high-<span class=\"f ps2\"> </span></span></div><div class=\"ps21218 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">yield credit spreads widen by 1 525bps), permeating the private <span class=\"f ps2\"> </span></span></div><div class=\"ps21219 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">credit space. The financial market shock feeds through to the <span class=\"f ps2\"> </span></span></div><div class=\"ps21220 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">real economy, with UK GDP contracting by c.5% and UK real <span class=\"f ps2\"> </span></span></div><div class=\"ps21221 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">estate values falling by 15%. Central banks are assumed to <span class=\"f ps2\"> </span></span></div><div class=\"ps21222 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">respond aggressively to the demand shock through rate cuts and <span class=\"f ps2\"> </span></span></div><div class=\"ps21274 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">renewed quantitative easing with the BoE cutting the Bank rate <span class=\"f ps2\"> </span></span></div><div class=\"ps21275 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">to a low of 0.25%. Given the expedited policy response and the <span class=\"f ps2\"> </span></span></div><div class=\"ps21276 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">absence of a lasting impact on lending, the economy is expected <span class=\"f ps2\"> </span></span></div><div class=\"ps21277 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">to recover relatively quickly, regaining its pre-crisis peak in GDP <span class=\"f ps2\"> </span></span></div><div class=\"ps21227 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">within two years. The shock is global in nature, with the US <span class=\"f ps2\"> </span></span></div><div class=\"ps21228 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">particularly affected by a sharp fall in AI investment (GDP <span class=\"f ps2\"> </span></span></div><div class=\"ps21229 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">contracting 5.7%), while Euro area output declines by 4.1% and <span class=\"f ps2\"> </span></span></div><div class=\"ps21278 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">global GDP by 2.9%. Interest rates in the UK, US and EU are <span class=\"f ps2\"> </span></span></div><div class=\"ps21279 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">assumed to be cut to close to zero.<span class=\"f ps2\"> </span></span></div><div class=\"ps21232 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Downside 2 scenario envisages a significant escalation in the <span class=\"f ps2\"> </span></span></div><div class=\"ps21233 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Iranian conflict, pushing oil prices to USD150/bbl and natural <span class=\"f ps2\"> </span></span></div><div class=\"ps21234 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">gas prices to 200p/therm, with prices remaining elevated for a <span class=\"f ps2\"> </span></span></div><div class=\"ps21235 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">prolonged period. In the UK, CPI inflation is assumed to peak at <span class=\"f ps2\"> </span></span></div><div class=\"ps21236 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">6.0% and average 4.4% over the five-year projection horizon. In <span class=\"f ps2\"> </span></span></div><div class=\"ps21237 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">response, the BoE tightens monetary policy, with Bank Rate <span class=\"f ps2\"> </span></span></div><div class=\"ps21280 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">rising to 5.50% in the first quarter of 2027, before easing <span class=\"f ps2\"> </span></span></div><div class=\"ps21281 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">towards the end of the scenario horizon. The economy endures <span class=\"f ps2\"> </span></span></div><div class=\"ps21282 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">a seven-quarter recession, with GDP contracting by 3.1% peak <span class=\"f ps2\"> </span></span></div><div class=\"ps21283 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">to trough. Unemployment rises to a peak of 7.9%, which <span class=\"f ps2\"> </span></span></div><div class=\"ps21284 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">combined with higher interest rates contributes to a 17% fall in <span class=\"f ps2\"> </span></span></div><div class=\"ps15804 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">house prices. The energy price shock is global, pushing inflation <span class=\"f ps2\"> </span></span></div><div class=\"ps15805 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">sharply higher and prompting interest rate increases from other <span class=\"f ps2\"> </span></span></div><div class=\"ps15806 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps74\">major central banks. The Federal Reserve is assumed to increase <span class=\"f ps2\"> </span></span></div><div class=\"ps15807 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps74\">interest rates by 175bps and the ECB by 150bps. The US and Euro <span class=\"f ps2\"> </span></span></div><div class=\"ps15808 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps74\">area economies experience recessions of 2.7% and 2.5%, <span class=\"f ps2\"> </span></span></div><div class=\"ps15809 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps74\">respectively, while global GDP growth contracts by 1.8%.<span class=\"f ps2\"> </span></span></div><div class=\"ps21250 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">In the upside case, UK economic activity proves more resilient, </span></div><div class=\"ps15811 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">and the pace of recovery is more robust, as stronger </span></div><div class=\"ps21285 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">confidence and lower interest rates prompt a pickup in </span></div><div class=\"ps21286 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">investment. Over the scenario horizon productivity growth is </span></div><div class=\"ps21287 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">expected to support stronger economic growth, with medium-</span></div><div class=\"ps21288 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">term GDP growth averaging 2% p.a. Growth is also stronger </span></div><div class=\"ps21289 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">globally, although the US is expected to outperform, supported </span></div><div class=\"ps21290 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">by AI investment. Inflation pressures ease, and monetary policy </span></div><div class=\"ps21291 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">is assumed to normalise to neutral more quickly. </span></div><div class=\"ps21259 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">The graph below shows the forecasted UK GDP under each <span class=\"f ps2\"> </span></span></div><div class=\"ps21260 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">macro-economic scenario applied at 31 March 2026.<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ae98c9a5 ps21292\">UK GDP <span class=\"f ps2\"> </span></span></div><div class=\"ps21261 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-ae98c9a5 ps74\">Forecast<span class=\"f ps2\"> </span></span></div><div class=\"ps21293 ss8\"><div class=\"ss222 ws0 ps89\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:3.75pt\"></td><td style=\"padding:0;width:231pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps299 ss2273\"><div><div class=\"ps2632 ss1467\"><span class=\"f charStyle-2b0f4fe0 ps7\">\u00a3\u2019billion<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21294 ss8\"><div class=\"ps89\"><div class=\"ps19\"><img alt=\"66\" id=\"i-192\" 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\" style=\"height:85.03pt;width:236.25pt\"/></div></div></div><div class=\"ps21297 ss8\"><div class=\"ss607 ws0 ps89\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:3.75pt\"></td><td style=\"padding:0;width:116.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:108pt\"></td></tr><tr style=\"height:6pt\"><td style=\"border-bottom:2pt solid #303849;border-top:0.35pt solid #000000;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.35pt solid #000000;border-top:0.35pt solid #000000;padding:0\"><div class=\"ps299 ss2274\"><div><div class=\"ps603 ss996\"><span class=\"f charStyle-6fb37d81 ps7\">Upside<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:2pt solid #78414d;border-top:0.35pt solid #000000;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.35pt solid #000000;border-top:0.35pt solid #000000;padding:0\"><div class=\"ps14026 ss2275\"><div><div class=\"ps183 ss590\"><span class=\"f charStyle-6fb37d81 ps7\">Base case<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:6pt\"><td style=\"border-bottom:0.35pt solid #000000;border-top:2pt solid #303849;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.35pt solid #000000;border-top:2pt solid #78414d;padding:0\"></td></tr><tr style=\"height:6pt\"><td style=\"border-bottom:2pt solid #dbb381;border-top:0.35pt solid #000000;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.35pt solid #000000;border-top:0.35pt solid #000000;padding:0\"><div class=\"ps21296 ss2274\"><div><div class=\"ps603 ss996\"><span class=\"f charStyle-6fb37d81 ps7\">Severe downside 1<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:2pt solid #71abac;border-top:0.35pt solid #000000;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.35pt solid #000000;border-top:0.35pt solid #000000;padding:0\"><div class=\"ps16580 ss2275\"><div><div class=\"ps603 ss590\"><span class=\"f charStyle-6fb37d81 ps7\">Downside 2<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:6pt\"><td style=\"border-bottom:0.35pt solid #000000;border-top:2pt solid #dbb381;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.35pt solid #000000;border-top:2pt solid #71abac;padding:0\"></td></tr></tbody></table></div></div></div><div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The table that follows shows the key factors that form part of the UK and Other macro-economic scenarios and their relative <span class=\"f ps2\"> </span></span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">applied weightings.<span class=\"f ps2\"> </span></span></div><div class=\"ps21399 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:102.75pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"4\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps21301 ss2276\"><div><div class=\"ps1404 ss1543\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps1476\">At </span><span class=\"f charStyle-ef17fa27 ps21298\">31 March 2026<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps21299\"> <span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss1543\"><span class=\"f charStyle-ef17fa27 ps21300\">average 2026 \u2013 2031</span></div></div></div></td><td colspan=\"4\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps21304 ss2276\"><div><div class=\"ps1404 ss1543\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps15494\">At </span><span class=\"f charStyle-6f1c08a8 ps21302\">31 March 2025<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss1543\"><span class=\"f charStyle-6f1c08a8 ps21303\">average 2025 \u2013 2030<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:33pt\"><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps429 ss2278\"><div><div class=\"ps11624 ss2277\"><span class=\"f charStyle-a26246ce ps7\">Macro-economic scenarios<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21305 ss2279\"><div><div class=\"ps12527 ss844\"><span class=\"f charStyle-a26246ce ps15793\">Upside<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21309 ss2279\"><div><div class=\"ps21307 ss844\"><span class=\"f charStyle-ef17fa27 ps21306\">Base<span class=\"f ps2\"> </span></span></div><div class=\"ps12527 ss844\"><span class=\"f charStyle-ef17fa27 ps21308\">case<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21311 ss2279\"><div><div class=\"ps21307 ss844\"><span class=\"f charStyle-ef17fa27 ps21310\">Severe <span class=\"f ps2\"> </span></span></div><div class=\"ps12527 ss844\"><span class=\"f charStyle-ef17fa27 ps2478\">downside 1<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21312 ss2279\"><div><div class=\"ps12527 ss844\"><span class=\"f charStyle-a26246ce ps18457\">Downside 2<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps21313 ss2279\"><div><div class=\"ps12527 ss844\"><span class=\"f charStyle-8d4b9b37 ps9415\">Upside<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps21314 ss2279\"><div><div class=\"ps21307 ss844\"><span class=\"f charStyle-8d4b9b37 ps9941\">Base<span class=\"f ps2\"> </span></span></div><div class=\"ps12527 ss844\"><span class=\"f charStyle-8d4b9b37 ps11540\">case<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps21317 ss2279\"><div><div class=\"ps21307 ss844\"><span class=\"f charStyle-8d4b9b37 ps21315\">Downside 1<span class=\"f ps2\"> </span></span></div><div class=\"ps12527 ss844\"><span class=\"f charStyle-8d4b9b37 ps21316\">trade war<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps21322 ss2279\"><div><div class=\"ps21318 ss844\"><span class=\"f charStyle-8d4b9b37 ps18878\">Downside 2<span class=\"f ps2\"> </span></span></div><div class=\"ps21319 ss844\"><span class=\"f charStyle-8d4b9b37 ps14870\">global <span class=\"f ps2\"> </span></span></div><div class=\"ps21307 ss844\"><span class=\"f charStyle-8d4b9b37 ps21320\">synchronised <span class=\"f ps2\"> </span></span></div><div class=\"ps12527 ss844\"><span class=\"f charStyle-8d4b9b37 ps21321\">downturn<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21324 ss901\"><div><div class=\"ps4014 ss844\"><span class=\"f charStyle-a26246ce ps21323\">%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21325 ss901\"><div><div class=\"ps4014 ss844\"><span class=\"f charStyle-a26246ce ps21323\">%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21326 ss901\"><div><div class=\"ps4014 ss844\"><span class=\"f charStyle-a26246ce ps21323\">%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21327 ss901\"><div><div class=\"ps4014 ss844\"><span class=\"f charStyle-a26246ce ps21323\">%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21329 ss901\"><div><div class=\"ps4014 ss844\"><span class=\"f charStyle-8d4b9b37 ps21328\">%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21330 ss901\"><div><div class=\"ps4014 ss844\"><span class=\"f charStyle-8d4b9b37 ps21328\">%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21331 ss901\"><div><div class=\"ps4014 ss844\"><span class=\"f charStyle-8d4b9b37 ps21328\">%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21332 ss901\"><div><div class=\"ps4014 ss844\"><span class=\"f charStyle-8d4b9b37 ps21328\">%<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps4049 ss2280\"><div><div class=\"ps4184 ss2277\"><span class=\"f charStyle-b7f6e8e5 ps7\">UK<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3844 ss2280\"><div><div class=\"ps4184 ss2277\"><span class=\"f charStyle-2b0f4fe0 ps7\">GDP growth<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21333 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.36pt\"></span></span><span class=\"ps14003\">2.1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21334 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.47pt\"></span></span><span class=\"ps9900\">1.5<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21335 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.45pt\"></span></span><span class=\"ps9981\">0.7<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16595 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.37pt\"></span></span><span class=\"ps8343\">(0.3)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21336 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.36pt\"></span></span><span class=\"ps14003\">2.1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21338 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.71pt\"></span></span><span class=\"ps21337\">1.7<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21340 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.98pt\"></span></span><span class=\"ps21339\">0.4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21341 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.98pt\"></span></span><span class=\"ps21339\">0.4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13417 ss2280\"><div><div class=\"ps4184 ss2277\"><span class=\"f charStyle-2b0f4fe0 ps7\">Unemployment rate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21342 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.12pt\"></span></span><span class=\"ps12700\">4.5<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21343 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30pt\"></span></span><span class=\"ps11163\">4.8<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21344 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.23pt\"></span></span><span class=\"ps4264\">5.8<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16605 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.48pt\"></span></span><span class=\"ps11244\">7.2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21345 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.24pt\"></span></span><span class=\"ps433\">4.1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21346 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.36pt\"></span></span><span class=\"ps16008\">4.7<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21347 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.48pt\"></span></span><span class=\"ps11244\">6.7<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21348 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.12pt\"></span></span><span class=\"ps12700\">6.8<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4807 ss2280\"><div><div class=\"ps4184 ss2277\"><span class=\"f charStyle-2b0f4fe0 ps7\">CPI inflation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21349 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.1pt\"></span></span><span class=\"ps13361\">2.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21351 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.99pt\"></span></span><span class=\"ps21350\">2.3<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21352 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.36pt\"></span></span><span class=\"ps14003\">1.2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16615 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.89pt\"></span></span><span class=\"ps1616\">4.4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21353 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.1pt\"></span></span><span class=\"ps13361\">2.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21354 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.36pt\"></span></span><span class=\"ps14003\">2.1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21355 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.48pt\"></span></span><span class=\"ps11244\">2.7<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21356 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.36pt\"></span></span><span class=\"ps14003\">1.6<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3328 ss2280\"><div><div class=\"ps4184 ss2277\"><span class=\"f charStyle-2b0f4fe0 ps7\">House price growth<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21357 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.01pt\"></span></span><span class=\"ps8351\">4.6<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21358 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.1pt\"></span></span><span class=\"ps13361\">3.5<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21359 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.74pt\"></span></span><span class=\"ps12690\">(0.1)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21360 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.26pt\"></span></span><span class=\"ps12946\">(3.3)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21361 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.99pt\"></span></span><span class=\"ps21350\">3.6<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21362 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.13pt\"></span></span><span class=\"ps20406\">2.9<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21364 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.4pt\"></span></span><span class=\"ps21363\">(2.3)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21365 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.51pt\"></span></span><span class=\"ps15451\">(0.9)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1026 ss2280\"><div><div class=\"ps815 ss2277\"><span class=\"f charStyle-2b0f4fe0 ps7\">BoE \u2013 Bank rate (end year)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21366 ss854\"><div><div class=\"ps2632 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.96pt\"></span></span><span class=\"ps9235\">3.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21368 ss854\"><div><div class=\"ps2632 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.22pt\"></span></span><span class=\"ps21367\">3.1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21369 ss854\"><div><div class=\"ps2632 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.24pt\"></span></span><span class=\"ps433\">1.4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16624 ss854\"><div><div class=\"ps2632 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.21pt\"></span></span><span class=\"ps4570\">5.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21370 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.96pt\"></span></span><span class=\"ps9235\">3.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21371 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.22pt\"></span></span><span class=\"ps21367\">3.1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21372 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.99pt\"></span></span><span class=\"ps21350\">3.9<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21373 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.71pt\"></span></span><span class=\"ps21337\">1.7<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1027 ss2280\"><div><div class=\"ps4184 ss2277\"><span class=\"f charStyle-b7f6e8e5 ps7\">Euro area<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1031 ss2280\"><div><div class=\"ps4184 ss2277\"><span class=\"f charStyle-2b0f4fe0 ps7\">GDP growth<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21374 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.36pt\"></span></span><span class=\"ps14003\">1.9<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21375 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.47pt\"></span></span><span class=\"ps9900\">1.5<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21377 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.59pt\"></span></span><span class=\"ps21376\">1.1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16638 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.74pt\"></span></span><span class=\"ps12690\">(0.1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21378 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.1pt\"></span></span><span class=\"ps13361\">2.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21379 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.22pt\"></span></span><span class=\"ps21367\">1.3<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21380 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.96pt\"></span></span><span class=\"ps9235\">0.3<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21381 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.1pt\"></span></span><span class=\"ps13361\">0.2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1035 ss2280\"><div><div class=\"ps4184 ss2277\"><span class=\"f charStyle-b7f6e8e5 ps7\">US<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps344 ss2280\"><div><div class=\"ps4184 ss2277\"><span class=\"f charStyle-2b0f4fe0 ps7\">GDP growth<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21382 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.48pt\"></span></span><span class=\"ps11244\">2.7<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21383 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.1pt\"></span></span><span class=\"ps13361\">2.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21384 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.33pt\"></span></span><span class=\"ps11292\">1.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21385 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.1pt\"></span></span><span class=\"ps13361\">0.2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21386 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.01pt\"></span></span><span class=\"ps8351\">2.4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21387 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.36pt\"></span></span><span class=\"ps14003\">1.9<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21388 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.1pt\"></span></span><span class=\"ps13361\">0.6<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21389 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.1pt\"></span></span><span class=\"ps13361\">0.6<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps1042 ss2280\"><div><div class=\"ps4184 ss2277\"><span class=\"f charStyle-b7f6e8e5 ps7\">Scenario weightings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21390 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.98pt\"></span></span><span class=\"ps11445\">10<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21392 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.9pt\"></span></span><span class=\"ps21391\">45<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21393 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.31pt\"></span></span><span class=\"ps19079\">15<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16646 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.71pt\"></span></span><span class=\"ps15420\">30<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21394 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.98pt\"></span></span><span class=\"ps11445\">10<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21396 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.7pt\"></span></span><span class=\"ps21395\">60<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21397 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.93pt\"></span></span><span class=\"ps17550\">20<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21398 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.98pt\"></span></span><span class=\"ps11445\">10<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21400 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The following table shows annual averages of economic factors for the base case over a five-year period based on the economic <span class=\"f ps2\"> </span></span></div><div class=\"ps21401 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">forecasts in place as at 31 March 2026.<span class=\"f ps2\"> </span></span></div><div class=\"ps21439 ss8\"><div class=\"ss47 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:207.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td></tr><tr style=\"height:12pt\"><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps19 ss2281\"><div><div class=\"ps11114 ss572\"><span class=\"f charStyle-a26246ce ps7\">Base case %<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"5\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps2462 ss2283\"><div><div class=\"ps809 ss2282\"><span class=\"f charStyle-a26246ce ps21402\">Financial years<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2468 ss1619\"><div><div class=\"ps809 ss1308\"><span class=\"f charStyle-a26246ce ps4284\">2026/2027<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21403 ss1619\"><div><div class=\"ps809 ss1308\"><span class=\"f charStyle-a26246ce ps4284\">2027/2028<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21404 ss1619\"><div><div class=\"ps809 ss1308\"><span class=\"f charStyle-a26246ce ps10466\">2028/2029<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21405 ss1619\"><div><div class=\"ps809 ss1308\"><span class=\"f charStyle-a26246ce ps6586\">2029/2030<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21406 ss1619\"><div><div class=\"ps809 ss1308\"><span class=\"f charStyle-a26246ce ps9672\">2030/2031<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps817 ss575\"><div><div class=\"ps4184 ss572\"><span class=\"f charStyle-b7f6e8e5 ps7\">UK<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps824 ss575\"><div><div class=\"ps4184 ss572\"><span class=\"f charStyle-2b0f4fe0 ps7\">GDP growth<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21408 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.83pt\"></span></span><span class=\"ps21407\">1.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19635 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.86pt\"></span></span><span class=\"ps4544\">1.9<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21409 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.86pt\"></span></span><span class=\"ps4544\">1.6<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11078 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.86pt\"></span></span><span class=\"ps4544\">1.6<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11080 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.86pt\"></span></span><span class=\"ps4544\">1.6<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps830 ss575\"><div><div class=\"ps4184 ss572\"><span class=\"f charStyle-2b0f4fe0 ps7\">Unemployment rate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19468 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.74pt\"></span></span><span class=\"ps21410\">5.2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19641 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.71pt\"></span></span><span class=\"ps21411\">5.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21413 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.51pt\"></span></span><span class=\"ps21412\">4.6<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11082 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.51pt\"></span></span><span class=\"ps21412\">4.6<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11083 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.51pt\"></span></span><span class=\"ps21412\">4.6<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss575\"><div><div class=\"ps4184 ss572\"><span class=\"f charStyle-2b0f4fe0 ps7\">CPI inflation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21414 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.49pt\"></span></span><span class=\"ps10346\">3.2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21415 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.86pt\"></span></span><span class=\"ps4544\">2.1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21417 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.6pt\"></span></span><span class=\"ps21416\">2.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11084 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.6pt\"></span></span><span class=\"ps21416\">2.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11086 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.6pt\"></span></span><span class=\"ps21416\">2.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps843 ss575\"><div><div class=\"ps4184 ss572\"><span class=\"f charStyle-2b0f4fe0 ps7\">House price growth<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21418 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.86pt\"></span></span><span class=\"ps4544\">1.6<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21420 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.09pt\"></span></span><span class=\"ps21419\">5.7<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21422 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.48pt\"></span></span><span class=\"ps21421\">3.8<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11087 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.35pt\"></span></span><span class=\"ps21423\">3.3<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11089 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.49pt\"></span></span><span class=\"ps10346\">3.2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps849 ss575\"><div><div class=\"ps4184 ss572\"><span class=\"f charStyle-2b0f4fe0 ps7\">BoE \u2013 Bank rate (end year)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21424 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.6pt\"></span></span><span class=\"ps21416\">3.5<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21425 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.46pt\"></span></span><span class=\"ps13852\">3.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21426 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.46pt\"></span></span><span class=\"ps13852\">3.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11091 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.46pt\"></span></span><span class=\"ps13852\">3.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11093 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.46pt\"></span></span><span class=\"ps13852\">3.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps853 ss575\"><div><div class=\"ps4184 ss572\"><span class=\"f charStyle-b7f6e8e5 ps7\">Euro area<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps858 ss575\"><div><div class=\"ps4184 ss572\"><span class=\"f charStyle-2b0f4fe0 ps7\">GDP growth<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21427 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.09pt\"></span></span><span class=\"ps15906\">1.1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21429 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.85pt\"></span></span><span class=\"ps21428\">1.8<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21430 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.97pt\"></span></span><span class=\"ps15827\">1.5<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21432 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.74pt\"></span></span><span class=\"ps21431\">1.4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21433 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.97pt\"></span></span><span class=\"ps15827\">1.5<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps863 ss575\"><div><div class=\"ps4184 ss572\"><span class=\"f charStyle-b7f6e8e5 ps7\">US<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps368 ss575\"><div><div class=\"ps4184 ss572\"><span class=\"f charStyle-2b0f4fe0 ps7\">GDP growth<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21434 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.86pt\"></span></span><span class=\"ps4544\">1.9<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21435 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.86pt\"></span></span><span class=\"ps4544\">2.1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21436 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.86pt\"></span></span><span class=\"ps4544\">2.1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21437 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.6pt\"></span></span><span class=\"ps21416\">2.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21438 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.6pt\"></span></span><span class=\"ps21416\">2.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The following table outlines the extreme point forecast for each economic factor across the scenarios as at 31 March 2026. <span class=\"f ps2\"> </span></span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Baseline represents the five-year base case average. Upside scenario values represent the best outcomes, namely the highest <span class=\"f ps2\"> </span></span></div><div class=\"ps701 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">quarterly level of GDP, house price growth (year on year), lowest level of unemployment and Bank rate. Upside scenario value for <span class=\"f ps2\"> </span></span></div><div class=\"ps702 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">CPI inflation is represented by the five-year average. Downside scenario values represent the worst outcomes being the lowest <span class=\"f ps2\"> </span></span></div><div class=\"ps3313 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">quarterly level of GDP, house price growth (year on year). For Bank rate and CPI inflation the most extreme point listed, is the <span class=\"f ps2\"> </span></span></div><div class=\"ps6370 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">lowest level in severe downside 1 scenario and the highest in downside 2 scenario.<span class=\"f ps2\"> </span></span></div><div class=\"ps21481 ss8\"><div class=\"ss47 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:262.5pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td></tr><tr style=\"height:35.25pt\"><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss2285\"><div><div class=\"ps11279 ss2284\"><span class=\"f charStyle-ef17fa27 ps7\">Five-year extreme points</span></div><div class=\"ps11280 ss2284\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">At <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps13038\">31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps3273 ss2286\"><div><div class=\"ps11284 ss1308\"><span class=\"f charStyle-ef17fa27 ps11321\">Upside<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps6196 ss2286\"><div><div class=\"ps11288 ss1308\"><span class=\"f charStyle-ef17fa27 ps13669\">Baseline: Base <span class=\"f ps2\"> </span></span></div><div class=\"ps11283 ss1308\"><span class=\"f charStyle-ef17fa27 ps21442\">case five\u2013year <span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1308\"><span class=\"f charStyle-ef17fa27 ps21443\">average<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11071 ss2286\"><div><div class=\"ps11283 ss1308\"><span class=\"f charStyle-ef17fa27 ps21444\">Severe <span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1308\"><span class=\"f charStyle-ef17fa27 ps18683\">downside 1<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11073 ss2286\"><div><div class=\"ps11284 ss1308\"><span class=\"f charStyle-a26246ce ps14725\">Downside 2<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21445 ss1619\"><div><div class=\"ps809 ss1308\"><span class=\"f charStyle-a26246ce ps2186\">%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21446 ss1619\"><div><div class=\"ps809 ss1308\"><span class=\"f charStyle-a26246ce ps2186\">%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21447 ss1619\"><div><div class=\"ps809 ss1308\"><span class=\"f charStyle-a26246ce ps2186\">%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21448 ss1619\"><div><div class=\"ps809 ss1308\"><span class=\"f charStyle-a26246ce ps2186\">%<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1202 ss2287\"><div><div class=\"ps4184 ss2284\"><span class=\"f charStyle-b7f6e8e5 ps7\">UK<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4468 ss2287\"><div><div class=\"ps4184 ss2284\"><span class=\"f charStyle-2b0f4fe0 ps7\">GDP growth<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21449 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.63pt\"></span></span><span class=\"ps14073\">2.6<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21450 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.97pt\"></span></span><span class=\"ps15827\">1.5<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21452 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.15pt\"></span></span><span class=\"ps21451\">(5.6)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14047 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.04pt\"></span></span><span class=\"ps12163\">(2.6)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4084 ss2287\"><div><div class=\"ps4184 ss2284\"><span class=\"f charStyle-2b0f4fe0 ps7\">Unemployment rate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21453 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.39pt\"></span></span><span class=\"ps3363\">4.4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21455 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.5pt\"></span></span><span class=\"ps21454\">4.8<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21456 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.97pt\"></span></span><span class=\"ps12264\">7.8<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21458 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.98pt\"></span></span><span class=\"ps21457\">7.9<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4676 ss2287\"><div><div class=\"ps4184 ss2284\"><span class=\"f charStyle-2b0f4fe0 ps7\">CPI inflation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21459 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.6pt\"></span></span><span class=\"ps21416\">2.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21460 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.49pt\"></span></span><span class=\"ps10346\">2.3<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21461 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.6pt\"></span></span><span class=\"ps21416\">0.6<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21462 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.6pt\"></span></span><span class=\"ps21416\">6.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3327 ss2287\"><div><div class=\"ps4184 ss2284\"><span class=\"f charStyle-2b0f4fe0 ps7\">House price growth<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21463 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.74pt\"></span></span><span class=\"ps21410\">5.6<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21464 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.6pt\"></span></span><span class=\"ps21416\">3.5<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21465 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.91pt\"></span></span><span class=\"ps15631\">(13.7)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14063 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.38pt\"></span></span><span class=\"ps14691\">(8.7)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps7432 ss2287\"><div><div class=\"ps4184 ss2284\"><span class=\"f charStyle-2b0f4fe0 ps7\">BoE \u2013 Bank rate (end year)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21466 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.46pt\"></span></span><span class=\"ps13852\">3.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21468 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.72pt\"></span></span><span class=\"ps21467\">3.1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21469 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.46pt\"></span></span><span class=\"ps13852\">0.3<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21471 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.85pt\"></span></span><span class=\"ps21470\">5.5<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12168 ss2287\"><div><div class=\"ps4184 ss2284\"><span class=\"f charStyle-b7f6e8e5 ps7\">Euro area<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8389 ss2287\"><div><div class=\"ps4184 ss2284\"><span class=\"f charStyle-2b0f4fe0 ps7\">GDP growth<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21472 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.6pt\"></span></span><span class=\"ps21416\">2.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21473 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.97pt\"></span></span><span class=\"ps15827\">1.5<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21474 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.89pt\"></span></span><span class=\"ps911\">(3.8)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21476 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.27pt\"></span></span><span class=\"ps21475\">(2.1)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12558 ss2287\"><div><div class=\"ps4184 ss2284\"><span class=\"f charStyle-b7f6e8e5 ps7\">US<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><span id=\"i225173b6d7544ed287656a910b6aae90_11-0-1-1-3222700\"></span><div class=\"ps12562 ss2287\"><div><div class=\"ps4184 ss2284\"><span class=\"f charStyle-2b0f4fe0 ps7\">GDP growth<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21477 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.62pt\"></span></span><span class=\"ps13499\">2.8<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21478 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.6pt\"></span></span><span class=\"ps21416\">2.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21479 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.15pt\"></span></span><span class=\"ps21451\">(5.2)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><span id=\"i225173b6d7544ed287656a910b6aae90_11-4-1-1-3222700\"></span><div class=\"ps21480 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.92pt\"></span></span><span class=\"ps15288\">(2.4)</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21482 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The following table outlines the extreme point forecast for each economic factor across the scenarios as at 31 March 2025. </span></div><div class=\"ps21483 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Baseline represents the five\u2013year base case average. Upside scenario values represent the best outcomes, namely the highest </span></div><div class=\"ps21484 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">quarterly level of GDP, house price growth (year on year), lowest level of unemployment and Bank rate. Upside scenario value </span></div><div class=\"ps21485 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">for\u00a0CPI inflation is represented by the five\u2013year average. Downside scenario values represent the worst outcomes being the lowest </span></div><div class=\"ps21486 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">quarterly level of GDP, house price growth (year on year). For Bank rate and CPI inflation the most extreme point is listed, the </span></div><div class=\"ps21487 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">highest level reflective in downside 1 \u2013 trade war scenario and the lowest in downside 2 \u2013 global synchronised downturn scenario.</span></div><div class=\"ps21533 ss8\"><div class=\"ss1321 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:269.25pt\"></td><td style=\"padding:0;width:52.5pt\"></td><td style=\"padding:0;width:52.5pt\"></td><td style=\"padding:0;width:52.5pt\"></td><td style=\"padding:0;width:52.5pt\"></td></tr><tr style=\"height:35.25pt\"><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss2289\"><div><div class=\"ps11279 ss2288\"><span class=\"f charStyle-ef17fa27 ps7\">Five-year extreme points</span></div><div class=\"ps11280 ss2288\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">At <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps13038\">31 March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21488 ss2290\"><div><div class=\"ps11284 ss1518\"><span class=\"f charStyle-ef17fa27 ps19488\">Upside<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21491 ss2290\"><div><div class=\"ps11288 ss1518\"><span class=\"f charStyle-ef17fa27 ps3230\">Baseline: Base <span class=\"f ps2\"> </span></span></div><div class=\"ps11283 ss1518\"><span class=\"f charStyle-ef17fa27 ps21489\">case five\u2013year <span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1518\"><span class=\"f charStyle-ef17fa27 ps21490\">average<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13689 ss2290\"><div><div class=\"ps11283 ss1518\"><span class=\"f charStyle-ef17fa27 ps17615\">Downside 1<span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1518\"><span class=\"f charStyle-ef17fa27 ps4332\">trade war<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11073 ss2290\"><div><div class=\"ps189 ss1518\"><span class=\"f charStyle-a26246ce ps10545\">Downside 2<span class=\"f ps2\"> </span></span></div><div class=\"ps3505 ss1518\"><span class=\"f charStyle-a26246ce ps21492\">global <span class=\"f ps2\"> </span></span></div><div class=\"ps21494 ss1518\"><span class=\"f charStyle-a26246ce ps21493\">synchronised <span class=\"f ps2\"> </span></span></div><div class=\"ps21496 ss1518\"><span class=\"f charStyle-a26246ce ps21495\">downturn<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21498 ss1522\"><div><div class=\"ps809 ss1518\"><span class=\"f charStyle-a26246ce ps21497\">%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21499 ss1522\"><div><div class=\"ps809 ss1518\"><span class=\"f charStyle-a26246ce ps21497\">%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21500 ss1522\"><div><div class=\"ps809 ss1518\"><span class=\"f charStyle-a26246ce ps21497\">%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21448 ss1522\"><div><div class=\"ps809 ss1518\"><span class=\"f charStyle-a26246ce ps21497\">%<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1202 ss2291\"><div><div class=\"ps4184 ss2288\"><span class=\"f charStyle-b7f6e8e5 ps7\">UK<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4468 ss2291\"><div><div class=\"ps4184 ss2288\"><span class=\"f charStyle-2b0f4fe0 ps7\">GDP growth<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21501 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.38pt\"></span></span><span class=\"ps14691\">2.9<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21502 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.96pt\"></span></span><span class=\"ps3552\">1.7<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21503 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.62pt\"></span></span><span class=\"ps12368\">(3.0)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14047 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.9pt\"></span></span><span class=\"ps951\">(4.1)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4084 ss2291\"><div><div class=\"ps4184 ss2288\"><span class=\"f charStyle-2b0f4fe0 ps7\">Unemployment rate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21505 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.23pt\"></span></span><span class=\"ps21504\">3.8<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21506 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.61pt\"></span></span><span class=\"ps336\">4.7<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21507 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.48pt\"></span></span><span class=\"ps13995\">8.5<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21458 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.34pt\"></span></span><span class=\"ps21508\">8.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4676 ss2291\"><div><div class=\"ps4184 ss2288\"><span class=\"f charStyle-2b0f4fe0 ps7\">CPI inflation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21510 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.35pt\"></span></span><span class=\"ps21509\">2.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21512 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.61pt\"></span></span><span class=\"ps21511\">2.1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21513 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.61pt\"></span></span><span class=\"ps336\">4.7<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21462 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.34pt\"></span></span><span class=\"ps21508\">0.8<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3327 ss2291\"><div><div class=\"ps4184 ss2288\"><span class=\"f charStyle-2b0f4fe0 ps7\">House price growth<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21515 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.84pt\"></span></span><span class=\"ps21514\">5.7<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21516 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.38pt\"></span></span><span class=\"ps14691\">2.9<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21518 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.44pt\"></span></span><span class=\"ps21517\">(25.5)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14063 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.41pt\"></span></span><span class=\"ps8357\">(18.0)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps7432 ss2291\"><div><div class=\"ps4184 ss2288\"><span class=\"f charStyle-2b0f4fe0 ps7\">BoE \u2013 Bank rate (end year)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21519 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.21pt\"></span></span><span class=\"ps16709\">3.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21521 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.47pt\"></span></span><span class=\"ps21520\">3.1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21523 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.6pt\"></span></span><span class=\"ps21522\">5.5<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21471 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.34pt\"></span></span><span class=\"ps21508\">0.8<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12168 ss2291\"><div><div class=\"ps4184 ss2288\"><span class=\"f charStyle-b7f6e8e5 ps7\">Euro area<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8389 ss2291\"><div><div class=\"ps4184 ss2288\"><span class=\"f charStyle-2b0f4fe0 ps7\">GDP growth<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21524 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.38pt\"></span></span><span class=\"ps14691\">2.2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21525 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.47pt\"></span></span><span class=\"ps21520\">1.3<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21527 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.53pt\"></span></span><span class=\"ps21526\">(3.4)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21476 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.02pt\"></span></span><span class=\"ps15454\">(4.7)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12558 ss2291\"><div><div class=\"ps4184 ss2288\"><span class=\"f charStyle-b7f6e8e5 ps7\">US<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12562 ss2291\"><div><div class=\"ps4184 ss2288\"><span class=\"f charStyle-2b0f4fe0 ps7\">GDP growth<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21528 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.38pt\"></span></span><span class=\"ps14691\">2.6<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21529 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.61pt\"></span></span><span class=\"ps21511\">1.9<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21531 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.64pt\"></span></span><span class=\"ps21530\">(4.0)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21480 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.67pt\"></span></span><span class=\"ps21532\">(4.2)</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps181 ss8\"><div class=\"ss2310 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:18.75pt\"></td><td style=\"padding:0;width:204.75pt\"></td></tr><tr style=\"height:33pt\"><td style=\"padding:0\"><div class=\"ps19 ss2307\"><div><div class=\"ps28 ss740\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Unaudited_information.svg\" id=\"i-208\" src=\"data:image/svg+xml;base64,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\" style=\"height:15.59pt;width:17.98pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps3212 ss2309\"><div><div class=\"ps6148 ss2308\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps7\">58<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11508\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps19363\">Securitisation/structured credit <span class=\"f ps2\"> </span></span></div><div class=\"ps6149 ss2308\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps7\">activities exposures<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21789 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Overview<span class=\"f ps2\"> </span></span></div><div class=\"ps21790 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group\u2019s <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps18193\">definition of securitisation/structured credit <span class=\"f ps2\"> </span></span></div><div class=\"ps21791 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">activities is wider than the definition applied for regulatory <span class=\"f ps2\"> </span></span></div><div class=\"ps21792 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">capital purposes. The regulatory capital definition focuses <span class=\"f ps2\"> </span></span></div><div class=\"ps21793 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">largely on positions we hold in an investor capacity and includes <span class=\"f ps2\"> </span></span></div><div class=\"ps21794 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">securitisation positions we have retained in transactions in <span class=\"f ps2\"> </span></span></div><div class=\"ps21795 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">which the Group has achieved significant risk transfer. We <span class=\"f ps2\"> </span></span></div><div class=\"ps21796 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">believe, however, that the information provided below is <span class=\"f ps2\"> </span></span></div><div class=\"ps21797 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">meaningful in that it groups all these related activities in order <span class=\"f ps2\"> </span></span></div><div class=\"ps21798 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">for a reviewer to obtain a full picture of the activities that we <span class=\"f ps2\"> </span></span></div><div class=\"ps21799 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">have conducted in\u00a0this space. Some of the information provided <span class=\"f ps2\"> </span></span></div><div class=\"ps21802 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">below overlaps with the<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21800\"> Group\u2019s <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21801\">credit and counterparty <span class=\"f ps2\"> </span></span></div><div class=\"ps21803 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">exposure information.<span class=\"f ps2\"> </span></span></div><div class=\"ps21804 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In the UK, capital requirements for securitisation positions are <span class=\"f ps2\"> </span></span></div><div class=\"ps21805 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">calculated using either the standardised approach (SEC-SA) or <span class=\"f ps2\"> </span></span></div><div class=\"ps21806 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the external ratings-based approach (SEC-ERBA). Given risk-<span class=\"f ps2\"> </span></span></div><div class=\"ps21807 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">weightings under the SEC-SA approach do not rely on external <span class=\"f ps2\"> </span></span></div><div class=\"ps21809 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">ratings, an analysis by risk-weightings has been provided<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21808\"> <span class=\"f ps2\"> </span></span></div><div class=\"ps21810 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">below.<span class=\"f ps2\"> </span></span></div><div class=\"ps21811 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Securitisation transactions provide the bank with a cost-</span></div><div class=\"ps21812 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">effective, alternative source of financing either through sale </span></div><div class=\"ps21813 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">to\u00a0the market or through use of the notes issued as collateral </span></div><div class=\"ps21814 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">for other funding mechanisms.</span></div><div class=\"ps21815 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">We hold rated structured credit instruments. These are UK, <span class=\"f ps2\"> </span></span></div><div class=\"ps21816 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">US\u00a0and European exposures and amounted to\u00a0\u00a31 134 million at <span class=\"f ps2\"> </span></span></div><div class=\"ps21817 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">31 March 2026 (31\u00a0March\u00a02025: \u00a3813 million), all of which are <span class=\"f ps2\"> </span></span></div><div class=\"ps21818 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">AAA and AA rated.<span class=\"f ps2\"> </span></span></div><div class=\"ps21819 ss8\"><div class=\"ss607 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:24.75pt\"></td><td style=\"padding:0;width:209.25pt\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps19 ss2311\"><div><div class=\"ps28 ss10\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Page_references.svg\" id=\"i-209\" src=\"data:image/svg+xml;base64,CjxzdmcgeG1sbnM9Imh0dHA6Ly93d3cudzMub3JnLzIwMDAvc3ZnIj4gCgk8aW1hZ2UgcHJlc2VydmVBc3BlY3RSYXRpbz0ibm9uZSIgd2lkdGg9IjEwMCUiIGhlaWdodD0iMTAwJSIgaHJlZj0iZGF0YTppbWFnZS9zdmcreG1sO2Jhc2U2NCxQRDk0Yld3Z2RtVnljMmx2YmowaU1TNHdJaUJsYm1OdlpHbHVaejBpVlZSR0xUZ2lQejQ4YzNabklHbGtQU0pNWVhsbGNsOHlJaUI0Yld4dWN6MGlhSFIwY0RvdkwzZDNkeTUzTXk1dmNtY3ZNakF3TUM5emRtY2lJSFpwWlhkQ2IzZzlJakFnTUNBeU1DNDROaUF5TUM0NE5pSStQR1JsWm5NK1BITjBlV3hsUGk1amJITXRNWHR6ZEhKdmEyVXRiR2x1WldwdmFXNDZjbTkxYm1RN2ZTNWpiSE10TVN3dVkyeHpMVElzTG1Oc2N5MHplMlpwYkd3NmJtOXVaVHR6ZEhKdmEyVTZJekl6TVdZeU1EdHpkSEp2YTJVdGQybGtkR2c2TGpjMWNIZzdmUzVqYkhNdE1Td3VZMnh6TFRON2MzUnliMnRsTFd4cGJtVmpZWEE2Y205MWJtUTdmUzVqYkhNdE1pd3VZMnh6TFRON2MzUnliMnRsTFcxcGRHVnliR2x0YVhRNk1UQTdmVHd2YzNSNWJHVStQQzlrWldaelBqeG5JR2xrUFNKTVlYbGxjbDh4TFRJaVBqeGphWEpqYkdVZ1kyeGhjM005SW1Oc2N5MHlJaUJqZUQwaU1UQXVORE1pSUdONVBTSXhNQzQwTXlJZ2NqMGlNVEF1TURZaUx6NDhjRzlzZVd4cGJtVWdZMnhoYzNNOUltTnNjeTB4SWlCd2IybHVkSE05SWpFeExqVWdOeTR3TlNBeE5DNDROU0F4TUM0MElERXhMalVnTVRNdU56a2lMejQ4YkdsdVpTQmpiR0Z6Y3owaVkyeHpMVE1pSUhneFBTSTFMamc1SWlCNU1UMGlNVEF1TkNJZ2VESTlJakUwTGpnMUlpQjVNajBpTVRBdU5DSXZQand2Wno0OEwzTjJaejQ9Ij48L2ltYWdlPgo8L3N2Zz4K\" style=\"height:15.59pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps5840 ss2173\"><div><div class=\"ps4184 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps7\">For a description of the accounting principles applied to <span class=\"f ps2\"> </span></span></div><div class=\"ps14640 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps7\">securitisation exposures, refer to page 82.<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4165 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps74\">Risk management and measurement<span class=\"f ps2\"> </span></span></div><div class=\"ps5816 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">All existing or proposed exposures to a securitisation are <span class=\"f ps2\"> </span></span></div><div class=\"ps5817 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">analysed on a case-by-case basis, with approval required from <span class=\"f ps2\"> </span></span></div><div class=\"ps5818 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">the appropriate credit committee. The analysis looks through to <span class=\"f ps2\"> </span></span></div><div class=\"ps5819 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">the historical and expected future performance of the <span class=\"f ps2\"> </span></span></div><div class=\"ps5820 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">underlying assets, the position of the relevant tranche in the <span class=\"f ps2\"> </span></span></div><div class=\"ps5821 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">capital structure as well as analysis of the cash flow waterfall <span class=\"f ps2\"> </span></span></div><div class=\"ps10631 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">under a variety of stress scenarios. External ratings and risk-<span class=\"f ps2\"> </span></span></div><div class=\"ps10632 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">weightings are presented, but only for information purposes <span class=\"f ps2\"> </span></span></div><div class=\"ps10633 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">since the<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21820\"> Group <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21821\">principally relies on its own internal risk <span class=\"f ps2\"> </span></span></div><div class=\"ps10634 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">assessment. Overarching these transaction level principles is <span class=\"f ps2\"> </span></span></div><div class=\"ps5825 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">the Board-approved risk appetite policy, which details the<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21822\"> <span class=\"f ps2\"> </span></span></div><div class=\"ps5826 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Group\u2019s <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21823\">appetite for such exposures, and each exposure is <span class=\"f ps2\"> </span></span></div><div class=\"ps5827 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">considered relative to the<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21824\"> Group\u2019s <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21825\">overall\u00a0risk appetite. We can <span class=\"f ps2\"> </span></span></div><div class=\"ps5828 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">use explicit credit risk mitigation techniques where required; <span class=\"f ps2\"> </span></span></div><div class=\"ps18282 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">however, the Group prefers to\u00a0address and manage these risks <span class=\"f ps2\"> </span></span></div><div class=\"ps21826 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">by\u00a0approving exposures for which the\u00a0Group has explicit <span class=\"f ps2\"> </span></span></div><div class=\"ps5830 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">appetite through the consistent application of the risk <span class=\"f ps2\"> </span></span></div><div class=\"ps5831 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">appetite\u00a0policy.<span class=\"f ps2\"> </span></span></div><div class=\"ps21827 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">In terms of our analysis of our credit risk, exposures arising from <span class=\"f ps2\"> </span></span></div><div class=\"ps10686 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">securitisation/structured credit activities reflect only those <span class=\"f ps2\"> </span></span></div><div class=\"ps10687 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">exposures to which we consider ourselves to be at risk.<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21828\"> \u2018Other <span class=\"f ps2\"> </span></span></div><div class=\"ps5835 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">loans and advances\u2019 refer to exposures that do not relate to the </span></div><div class=\"ps5836 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Group\u2019s core loan activity.<span class=\"f ps2\"> </span></span></div><div class=\"ps21842 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:291pt\"></td><td style=\"padding:0;width:42pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:99.75pt\"></td></tr><tr style=\"height:27.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss2313\"><div><div class=\"ps983 ss2312\"><span class=\"f charStyle-a26246ce ps7\">Nature of exposure/activity<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21830 ss2314\"><div><div class=\"ps989 ss281\"><span class=\"f charStyle-a26246ce ps19852\">31 March <span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss281\"><span class=\"f charStyle-a26246ce ps9300\">2026 <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss281\"><span class=\"f charStyle-a26246ce ps21829\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21831 ss2001\"><div><div class=\"ps989 ss629\"><span class=\"f charStyle-8d4b9b37 ps20351\">31 March <span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss629\"><span class=\"f charStyle-8d4b9b37 ps4946\">2025 <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss629\"><span class=\"f charStyle-8d4b9b37 ps16539\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps4195 ss2315\"><div><div class=\"ps985 ss453\"><span class=\"f charStyle-8d4b9b37 ps7\">Balance sheet and credit risk <span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss453\"><span class=\"f charStyle-8d4b9b37 ps7\">classification<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps998 ss2316\"><div><div class=\"ps997 ss2312\"><span class=\"f charStyle-2b0f4fe0 ps7\">Structured credit (gross exposure)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps21832 ss2253\"><div><div class=\"ps997 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.57pt\"></span></span><span class=\"ps9475\">1\u00a0175<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps21833 ss630\"><div><div class=\"ps997 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.16pt\"></span></span><span class=\"ps11882\">838<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td rowspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps21836 ss2317\"><div><div class=\"ps21834 ss453\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities and <span class=\"f ps2\"> </span></span></div><div class=\"ps21835 ss453\"><span class=\"f charStyle-2b0f4fe0 ps7\">other loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1002 ss2318\"><div><div class=\"ps815 ss2312\"><span class=\"f charStyle-2b0f4fe0 ps1864\">&lt;40% RWA<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21837 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.57pt\"></span></span><span class=\"ps9429\">1\u00a0111<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps21838 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.02pt\"></span></span><span class=\"ps8448\">797<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps1006 ss2318\"><div><div class=\"ps815 ss2312\"><span class=\"f charStyle-2b0f4fe0 ps1864\">&gt;40% RWA<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps21839 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.77pt\"></span></span><span class=\"ps11291\">64<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps21841 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31pt\"></span></span><span class=\"ps21840\">41<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21843 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Analysis of gross structured credit exposure<span class=\"f ps2\"> </span></span></div><div class=\"ps21910 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:123pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss2319\"><div><div class=\"ps1400 ss1042\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps17977 ss2320\"><div><div class=\"ps1400 ss1267\"><span class=\"f charStyle-8d4b9b37 ps9402\">AAA<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21007 ss2320\"><div><div class=\"ps1400 ss1267\"><span class=\"f charStyle-8d4b9b37 ps21844\">AA<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21845 ss2320\"><div><div class=\"ps1400 ss1267\"><span class=\"f charStyle-8d4b9b37 ps4264\">A<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21846 ss2320\"><div><div class=\"ps1400 ss1267\"><span class=\"f charStyle-8d4b9b37 ps10271\">BBB<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps987 ss2320\"><div><div class=\"ps1400 ss1267\"><span class=\"f charStyle-8d4b9b37 ps19682\">BB<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21491 ss2320\"><div><div class=\"ps1404 ss1267\"><span class=\"f charStyle-8d4b9b37 ps15784\">B and<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss1267\"><span class=\"f charStyle-8d4b9b37 ps10357\"> below<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps812 ss2320\"><div><div class=\"ps1404 ss1267\"><span class=\"f charStyle-8d4b9b37 ps104\">Total<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss1267\"><span class=\"f charStyle-8d4b9b37 ps11651\"> rated<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21848 ss2186\"><div><div class=\"ps1404 ss25\"><span class=\"f charStyle-8d4b9b37 ps11405\">Total<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss25\"><span class=\"f charStyle-8d4b9b37 ps21847\"> unrated<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21849 ss2186\"><div><div class=\"ps1400 ss25\"><span class=\"f charStyle-a26246ce ps16087\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps429 ss2321\"><div><div class=\"ps997 ss1042\"><span class=\"f charStyle-2b0f4fe0 ps7\">US corporate loans<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps21850 ss2322\"><div><div class=\"ps997 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.18pt\"></span></span><span class=\"ps11215\">914<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps21852 ss2322\"><div><div class=\"ps997 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.6pt\"></span></span><span class=\"ps21851\">80<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps21853 ss2322\"><div><div class=\"ps997 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps21854 ss2322\"><div><div class=\"ps997 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps21855 ss2322\"><div><div class=\"ps997 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps21856 ss2322\"><div><div class=\"ps997 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3446 ss2322\"><div><div class=\"ps997 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.95pt\"></span></span><span class=\"ps9276\">994<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps21857 ss2323\"><div><div class=\"ps997 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.75pt\"></span></span><span class=\"ps11817\">41<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps21858 ss2323\"><div><div class=\"ps997 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.57pt\"></span></span><span class=\"ps13667\">1\u00a0035<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3449 ss2126\"><div><div class=\"ps815 ss1042\"><span class=\"f charStyle-2b0f4fe0 ps7\">UK RMBS<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21859 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.09pt\"></span></span><span class=\"ps12439\">4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21860 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.07pt\"></span></span><span class=\"ps12429\">3<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21861 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21862 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21863 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21864 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps3451 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.56pt\"></span></span><span class=\"ps873\">7<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21865 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21866 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.56pt\"></span></span><span class=\"ps11130\">7<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3453 ss2126\"><div><div class=\"ps815 ss1042\"><span class=\"f charStyle-2b0f4fe0 ps7\">European corporate loans<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21867 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.99pt\"></span></span><span class=\"ps16397\">79<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21868 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.63pt\"></span></span><span class=\"ps12288\">54<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21869 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21870 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21871 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21872 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps3455 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.02pt\"></span></span><span class=\"ps16670\">133<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21873 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21874 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.02pt\"></span></span><span class=\"ps440\">133<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps3458 ss2126\"><div><div class=\"ps815 ss1042\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total at 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps21875 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.95pt\"></span></span><span class=\"ps9521\">997<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps21877 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.24pt\"></span></span><span class=\"ps21876\">137<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps21878 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.81pt\"></span></span><span class=\"ps16622\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps21879 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.81pt\"></span></span><span class=\"ps16622\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps21880 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.81pt\"></span></span><span class=\"ps16622\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps21881 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.81pt\"></span></span><span class=\"ps16622\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps3460 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.22pt\"></span></span><span class=\"ps21882\">1\u00a0134<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps21883 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.56pt\"></span></span><span class=\"ps15607\">41<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps21885 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.95pt\"></span></span><span class=\"ps21884\">1\u00a0175<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3463 ss2126\"><div><div class=\"ps815 ss1042\"><span class=\"f charStyle-2b0f4fe0 ps7\">&lt;40% RWA<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21886 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.42pt\"></span></span><span class=\"ps11623\">997<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21887 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.85pt\"></span></span><span class=\"ps19214\">73<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21888 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21889 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21890 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21891 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps3465 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.92pt\"></span></span><span class=\"ps11467\">1\u00a0070<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21892 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.75pt\"></span></span><span class=\"ps11817\">41<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21893 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.32pt\"></span></span><span class=\"ps15134\">1\u00a0111<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3467 ss2126\"><div><div class=\"ps815 ss1042\"><span class=\"f charStyle-2b0f4fe0 ps7\">&gt;40% RWA<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21894 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21895 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.52pt\"></span></span><span class=\"ps11088\">64<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21896 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21897 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21898 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21899 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps3469 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.52pt\"></span></span><span class=\"ps11088\">64<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21900 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21901 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.52pt\"></span></span><span class=\"ps11546\">64<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3472 ss2126\"><div><div class=\"ps815 ss1042\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total at 31 March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21902 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.58pt\"></span></span><span class=\"ps14453\">656<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21903 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.35pt\"></span></span><span class=\"ps11138\">157<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21904 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.81pt\"></span></span><span class=\"ps16622\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21905 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.81pt\"></span></span><span class=\"ps16622\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21906 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.81pt\"></span></span><span class=\"ps16622\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21907 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.81pt\"></span></span><span class=\"ps16622\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3474 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.75pt\"></span></span><span class=\"ps16628\">813<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21908 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.76pt\"></span></span><span class=\"ps9988\">25<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21909 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.47pt\"></span></span><span class=\"ps12524\">838<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCreditRiskExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-964": {
   "value": "<div class=\"ps18044 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">54<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16209\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16210\">Credit risk<span class=\"f ps2\"> </span></span></div><div class=\"ps18045 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Credit risk originates primarily from three types of transactions <span class=\"f ps2\"> </span></span></div><div class=\"ps18046 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">giving rise to credit and counterparty exposures:<span class=\"f ps2\"> </span></span></div><div class=\"ps18047 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Lending transactions, through loans and advances to clients <span class=\"f ps2\"> </span></span></div><div class=\"ps18048 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">and counterparties, creating the risk that an obligor will be <span class=\"f ps2\"> </span></span></div><div class=\"ps18049 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">unable or unwilling to repay capital and/or interest on loans <span class=\"f ps2\"> </span></span></div><div class=\"ps18050 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">and advances granted to them. This category includes bank <span class=\"f ps2\"> </span></span></div><div class=\"ps18051 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">placements where we have placed funds with other <span class=\"f ps2\"> </span></span></div><div class=\"ps18052 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">financial\u00a0institutions<span class=\"f ps2\"> </span></span></div><div class=\"ps18053 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Financial instrument transactions, producing issuer risk <span class=\"f ps2\"> </span></span></div><div class=\"ps18054 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">where payments due from the issuer of a financial instrument <span class=\"f ps2\"> </span></span></div><div class=\"ps18055 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">may not be received<span class=\"f ps2\"> </span></span></div><div class=\"ps18056 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Trading transactions, giving rise to settlement and <span class=\"f ps2\"> </span></span></div><div class=\"ps18057 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">replacement risk (collectively forming counterparty <span class=\"f ps2\"> </span></span></div><div class=\"ps18058 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">exposures):<span class=\"f ps2\"> </span></span></div><div class=\"ps18059 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps4188\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-a7a56500 ps1121\">Settlement risk is the risk that the settlement of a <span class=\"f ps2\"> </span></span></div><div class=\"ps15470 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps1121\">transaction does not take place as expected, with one party <span class=\"f ps2\"> </span></span></div><div class=\"ps15471 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps1121\">making required settlements as they fall due but not <span class=\"f ps2\"> </span></span></div><div class=\"ps18060 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps1121\">receiving the performance to which they are entitled<span class=\"f ps2\"> </span></span></div><div class=\"ps15473 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4188\">\u2013<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps1121\">Replacement risk is the risk following default by the original <span class=\"f ps2\"> </span></span></div><div class=\"ps15474 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps1121\">counterparty resulting in the contract holder having to <span class=\"f ps2\"> </span></span></div><div class=\"ps18061 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps1121\">enter into a replacement contract with a second <span class=\"f ps2\"> </span></span></div><div class=\"ps18062 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps1121\">counterparty in order to fulfil the transaction.<span class=\"f ps2\"> </span></span></div><div class=\"ps15477 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The relevant credit committees will also consider wrong-way <span class=\"f ps2\"> </span></span></div><div class=\"ps15478 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">risk at the time of granting credit limits to each counterparty. In <span class=\"f ps2\"> </span></span></div><div class=\"ps18063 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the banking book environment, wrong-way risk occurs where <span class=\"f ps2\"> </span></span></div><div class=\"ps18064 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the value of collateral to secure a transaction decreases as the <span class=\"f ps2\"> </span></span></div><div class=\"ps18065 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">probability of default of the borrower or counterparty increases. <span class=\"f ps2\"> </span></span></div><div class=\"ps18066 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For counterparty credit risk resulting from transactions in <span class=\"f ps2\"> </span></span></div><div class=\"ps18067 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">traded products (such as OTC derivatives), wrong-way risk is <span class=\"f ps2\"> </span></span></div><div class=\"ps15486 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">defined as exposure to a counterparty that is adversely <span class=\"f ps2\"> </span></span></div><div class=\"ps15487 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">correlated with the credit quality of that counterparty. It arises <span class=\"f ps2\"> </span></span></div><div class=\"ps18068 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">when default risk and credit exposure increase together. <span class=\"f ps2\"> </span></span></div><div class=\"ps18069 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Credit risk may also arise in other ways and it is the role of the <span class=\"f ps2\"> </span></span></div><div class=\"ps18070 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">risk management functions and the various independent credit <span class=\"f ps2\"> </span></span></div><div class=\"ps18071 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">committees to identify, assess and escalate any material risks <span class=\"f ps2\"> </span></span></div><div class=\"ps18072 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">falling outside of this definition.<span class=\"f ps2\"> </span></span></div><div class=\"ps18073 ss8\"><div class=\"ss974 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:231.75pt\"></td></tr><tr style=\"height:15pt\"><td style=\"padding:0\"><div class=\"ps19 ss2133\"><div><div class=\"ps6401 ss974\"><span class=\"f charStyle-0e78c81e ps7\">Risk governance structure<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps18074 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">To manage, measure, monitor and mitigate credit risk, <span class=\"f ps2\"> </span></span></div><div class=\"ps18076 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">independent credit committees exist in the UK<span class=\"f ps2\"> </span></span><span class=\"f charStyle-68c7bd0e ps3901\">. T<span class=\"f ps2\"> </span></span><span class=\"f charStyle-68c7bd0e ps18075\">hese <span class=\"f ps2\"> </span></span></div><div class=\"ps18077 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">committees also have oversight of regions where we assume <span class=\"f ps2\"> </span></span></div><div class=\"ps18078 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">credit risk and operate under Board-approved delegated limits, <span class=\"f ps2\"> </span></span></div><div class=\"ps18079 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">policies and procedures. There is a high level of executive <span class=\"f ps2\"> </span></span></div><div class=\"ps18080 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">involvement and oversight in the credit decision-making forums <span class=\"f ps2\"> </span></span></div><div class=\"ps18081 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">depending on the size and complexity of the deal. It is our policy <span class=\"f ps2\"> </span></span></div><div class=\"ps18082 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">that all credit committees include voting members who are <span class=\"f ps2\"> </span></span></div><div class=\"ps18085 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">independent of the originating business unit.<span class=\"f ps2\"> </span></span><span class=\"f charStyle-68c7bd0e ps18083\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-68c7bd0e ps18084\">All decisions to enter <span class=\"f ps2\"> </span></span></div><div class=\"ps18086 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">into a transaction are based on unanimous consent.<span class=\"f ps2\"> </span></span></div><div class=\"ps18087 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In addition to the credit committees, the following processes </span></div><div class=\"ps18088 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">assist in managing, measuring and monitoring credit risk:</span></div><div class=\"ps18089 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Day-to-day arrears management and regular arrears </span></div><div class=\"ps18090 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">reporting ensure that individual positions and any potential </span></div><div class=\"ps18091 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">adverse trends are dealt with in a timely manner</span></div><div class=\"ps18094 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Watchlist Forum<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps18092\">s review <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps18093\">the management of distressed <span class=\"f ps2\"> </span></span></div><div class=\"ps18095 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">loans, potential problem loans and exposures in arrears that <span class=\"f ps2\"> </span></span></div><div class=\"ps18096 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">require additional attention and supervision. These <span class=\"f ps2\"> </span></span></div><div class=\"ps18097 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">committees review ECL impairments and staging at an asset <span class=\"f ps2\"> </span></span></div><div class=\"ps18098 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">level as well\u00a0as potential fair value adjustments to loans and <span class=\"f ps2\"> </span></span></div><div class=\"ps18099 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">advances to customers. They provide recommendations <span class=\"f ps2\"> </span></span></div><div class=\"ps18100 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">for\u00a0the appropriate staging and level of ECL impairment <span class=\"f ps2\"> </span></span></div><div class=\"ps18101 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">where required<span class=\"f ps2\"> </span></span></div><div class=\"ps18104 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">The Forbearance Forum</span><span class=\"f charStyle-33e1c6d6 ps18102\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps18103\">reviews and monitors\u00a0counterparties <span class=\"f ps2\"> </span></span></div><div class=\"ps18105 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">who have been granted forbearance\u00a0measures<span class=\"f ps2\"> </span></span></div><div class=\"ps18108 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">The <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps18106\">Impairment Decision Committee<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps18107\"> reviews <span class=\"f ps2\"> </span></span></div><div class=\"ps18109 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">recommendations from underlying Watchlist Forums and </span></div><div class=\"ps18110 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">considers and approves the appropriate level of ECL <span class=\"f ps2\"> </span></span></div><div class=\"ps18111 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">impairments and staging<span class=\"f ps2\"> </span></span></div><div class=\"ps18114 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-68c7bd0e ps4868\">The Models Forum</span><span class=\"f charStyle-68c7bd0e ps18112\"> provides </span><span class=\"f charStyle-68c7bd0e ps18113\">an internal screening and <span class=\"f ps2\"> </span></span></div><div class=\"ps18115 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4868\">validation process for credit models. We have established <span class=\"f ps2\"> </span></span></div><div class=\"ps18116 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4868\">independent model validation teams who review the models <span class=\"f ps2\"> </span></span></div><div class=\"ps18117 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4868\">and provide feedback on the accuracy and operation of the <span class=\"f ps2\"> </span></span></div><div class=\"ps18118 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4868\">models and note items for further development through the <span class=\"f ps2\"> </span></span></div><div class=\"ps18119 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4868\">forum<span class=\"f ps2\"> </span></span></div><div class=\"ps18120 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">An annual review of risk appetite frameworks and limits that <span class=\"f ps2\"> </span></span></div><div class=\"ps18121 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">are approved by IBP ERC, Investec Group ERC, IBP and DLC </span></div><div class=\"ps18122 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">BRCC and IBP and DLC Board.<span class=\"f ps2\"> </span></span></div><div class=\"ps18125 ss8\"><div class=\"ss669 ws0 ps356\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:21pt\"></td><td style=\"padding:0;width:212.25pt\"></td></tr><tr style=\"height:17.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss2134\"><div><div class=\"ps28 ss588\"><div class=\"ps18123\"><div class=\"ps19\"><img alt=\"Unaudited_information.svg\" id=\"i-166\" src=\"data:image/svg+xml;base64,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\" style=\"height:13.52pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps2752 ss2136\"><div><div class=\"ps18124 ss2135\"><span class=\"f charStyle-0e78c81e ps7\">Risk appetite<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps18127 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">The </span><span class=\"f charStyle-33e1c6d6 ps18126\">Board has set risk appetite limits which regulate the <span class=\"f ps2\"> </span></span></div><div class=\"ps18128 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">maximum exposures we would be comfortable to tolerate in <span class=\"f ps2\"> </span></span></div><div class=\"ps18131 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">order to diversify and mitigate risk.<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps18129\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps18130\">Should there be any <span class=\"f ps2\"> </span></span></div><div class=\"ps18132 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">breaches to limits, or where exposures are nearing limits, these <span class=\"f ps2\"> </span></span></div><div class=\"ps18133 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">exceptions are specifically highlighted for attention, with <span class=\"f ps2\"> </span></span></div><div class=\"ps18135 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">remedial actions reported<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps18134\"> at IBP BRCC, DLC BRCC and the <span class=\"f ps2\"> </span></span></div><div class=\"ps18136 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">respective Boards.<span class=\"f ps2\"> </span></span></div><div class=\"ps18137 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">The assessment of our clients and counterparties includes </span></div><div class=\"ps18138 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">consideration of their character, integrity, core competencies, </span></div><div class=\"ps18139 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">track record and financial strength. A strong emphasis is placed </span></div><div class=\"ps18140 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">on the historic and ongoing stability of income and cash flow </span></div><div class=\"ps18141 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">streams generated by the clients. Our primary assessment </span></div><div class=\"ps18142 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">method is therefore the ability of the client or counterparty to </span></div><div class=\"ps18143 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">meet their payment obligations. </span></div><div class=\"ps18144 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Target clients include high net worth individuals, active wealth </span></div><div class=\"ps18145 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">creators, high-income professionals, self-employed </span></div><div class=\"ps18146 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">entrepreneurs, owner managers in small to mid-cap corporates, </span></div><div class=\"ps18147 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">sophisticated investors, established corporates, small and </span></div><div class=\"ps18148 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">medium-sized enterprises, financial institutions and sovereigns.</span></div><div class=\"ps18149 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">We are client-centric in our approach and originate the majority <span class=\"f ps2\"> </span></span></div><div class=\"ps18150 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">of our loans with the intent of holding these assets to maturity, <span class=\"f ps2\"> </span></span></div><div class=\"ps18151 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">thereby developing a \u2018hands-on\u2019 and long-standing relationship. <span class=\"f ps2\"> </span></span></div><div class=\"ps18152 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Interbank lending is largely reserved for those banks and </span></div><div class=\"ps18153 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">institutions in the Group\u2019s core geographies of activity, which </span></div><div class=\"ps18154 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">are systemic and highly rated.</span></div><div><div class=\"ps181 ss8\"><div class=\"ss236 ws0 ps14\"><div><span id=\"i7d36fbc971ac4c0cbc4108cbc1baee49_2367\"></span><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:21pt\"></td><td style=\"padding:0;width:131.25pt\"></td></tr><tr style=\"height:18.75pt\"><td style=\"padding:0\"><div class=\"ps19 ss2137\"><div><div class=\"ps28 ss588\"><div class=\"ps18123\"><div class=\"ps19\"><img alt=\"Unaudited_information.svg\" id=\"i-167\" src=\"data:image/svg+xml;base64,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\" style=\"height:13.52pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><span id=\"i9399d11a6fe24cb7b8c7509d032d3383_0-1-1-1-3222700\"></span><div class=\"ps2752 ss2138\"><div><div class=\"ps18156 ss1274\"><span class=\"f charStyle-0e78c81e ps7\">Concentration risk<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps18157 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">Concentration risk, with respect to credit risk, is when large <span class=\"f ps2\"> </span></span></div><div class=\"ps18158 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">exposures exist to a single client or\u00a0counterparty, group of <span class=\"f ps2\"> </span></span></div><div class=\"ps18159 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">connected counterparties, or to a particular geography, asset <span class=\"f ps2\"> </span></span></div><div class=\"ps18160 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">class or industry. An example of this would be where a number of <span class=\"f ps2\"> </span></span></div><div class=\"ps18161 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">counterparties are affected by similar economic, legal, regulatory <span class=\"f ps2\"> </span></span></div><div class=\"ps18162 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">or other factors that could mean their ability to meet contractual <span class=\"f ps2\"> </span></span></div><div class=\"ps18164 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">obligations are correlated<span class=\"f ps2\"> </span></span><span class=\"f charStyle-68c7bd0e ps18163\">.</span></div><div class=\"ps18165 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Concentration risk can also exist where portfolio loan maturities <span class=\"f ps2\"> </span></span></div><div class=\"ps18166 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">are clustered to single periods in time. Loan maturities are <span class=\"f ps2\"> </span></span></div><div class=\"ps18167 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">monitored on a portfolio and a transaction level by Group risk <span class=\"f ps2\"> </span></span></div><div class=\"ps18168 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">management, Group lending operations as well as the <span class=\"f ps2\"> </span></span></div><div class=\"ps18169 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">originating business units.<span class=\"f ps2\"> </span></span></div><div class=\"ps18170 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Credit risk is always assessed with reference to the aggregate <span class=\"f ps2\"> </span></span></div><div class=\"ps18171 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">exposure to a single counterparty or group of related parties to <span class=\"f ps2\"> </span></span></div><div class=\"ps18172 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">manage concentration risk. In order to manage concentration, <span class=\"f ps2\"> </span></span></div><div class=\"ps18173 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">we will consider a sell-down of exposures to market <span class=\"f ps2\"> </span></span></div><div class=\"ps18174 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">participants if required.<span class=\"f ps2\"> </span></span></div><div class=\"ps18175 ss8\"><div class=\"ss236 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:21pt\"></td><td style=\"padding:0;width:131.25pt\"></td></tr><tr style=\"height:18.75pt\"><td style=\"padding:0\"><div class=\"ps19 ss2137\"><div><div class=\"ps28 ss588\"><div class=\"ps18123\"><div class=\"ps19\"><img alt=\"Unaudited_information.svg\" id=\"i-168\" src=\"data:image/svg+xml;base64,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\" style=\"height:13.52pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><span id=\"iaa582510d69e4552a05a0a3080a8fd7b_0-1-1-1-3222700\"></span><div class=\"ps2752 ss2138\"><div><div class=\"ps18156 ss1274\"><span class=\"f charStyle-0e78c81e ps7\">Country risk<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps18176 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Country risk, with respect to credit risk, refers to the risk of <span class=\"f ps2\"> </span></span></div><div class=\"ps18177 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">lending to a counterparty operating in a particular country or <span class=\"f ps2\"> </span></span></div><div class=\"ps18178 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the risk inherent in a sovereign exposure, i.e. the risk of <span class=\"f ps2\"> </span></span></div><div class=\"ps18179 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">exposure to loss caused by events in that country. Country risk <span class=\"f ps2\"> </span></span></div><div class=\"ps18180 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">covers all forms of lending or investment activity whether to/<span class=\"f ps2\"> </span></span></div><div class=\"ps18181 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">with individuals, corporates, banks or governments. This can <span class=\"f ps2\"> </span></span></div><div class=\"ps18182 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">include geopolitical risks, transfer and convertibility risks, and <span class=\"f ps2\"> </span></span></div><div class=\"ps18183 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the impact on the borrower\u2019s credit profile due to local <span class=\"f ps2\"> </span></span></div><div class=\"ps18184 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">economic and political conditions.<span class=\"f ps2\"> </span></span></div><div class=\"ps18185 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">To mitigate country risk, there is a preference for primary </span></div><div class=\"ps18187 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">exposure in the</span><span class=\"f charStyle-33e1c6d6 ps18186\"> Group\u2019s main operating geography and where </span></div><div class=\"ps18188 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">we have operations, a branch or local banking subsidiary. The </span></div><div class=\"ps18190 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group will </span><span class=\"f charStyle-33e1c6d6 ps18189\">tolerate exposures to other countries where we have </span></div><div class=\"ps18191 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">developed a local understanding and capability or we are </span></div><div class=\"ps18192 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">facilitating a transaction for a client.</span></div><div class=\"ps18194 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group\u2019s <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps18193\">credit risk appetite with regard to country risk is <span class=\"f ps2\"> </span></span></div><div class=\"ps18195 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">characterised by the following principles:<span class=\"f ps2\"> </span></span></div><div class=\"ps18196 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Preference is to have exposure only to politically stable <span class=\"f ps2\"> </span></span></div><div class=\"ps18197 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">jurisdictions that we understand and have preferably <span class=\"f ps2\"> </span></span></div><div class=\"ps18198 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">operated in before<span class=\"f ps2\"> </span></span></div><div class=\"ps18199 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-25d81df8 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-25d81df8 ps461\">There is limited specific appetite for exposures outside of the</span><span class=\"f charStyle-33e1c6d6 ps4516\"> </span></div><div class=\"ps18201 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">Group\u2019s <span class=\"f ps2\"> </span></span><span class=\"f charStyle-25d81df8 ps18200\">pre-existing core geographies or target markets</span></div><div class=\"ps18202 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">The legal environment should be tested, have legal <span class=\"f ps2\"> </span></span></div><div class=\"ps18203 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">precedent in line with Organisation for Economic Co-<span class=\"f ps2\"> </span></span></div><div class=\"ps18204 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">operation and Development (OECD) standards and have <span class=\"f ps2\"> </span></span></div><div class=\"ps18205 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">good corporate governance<span class=\"f ps2\"> </span></span></div><div class=\"ps18206 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">In certain cases, country risk can be mitigated by taking out </span></div><div class=\"ps18207 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">political risk insurance with suitable counterparties where </span></div><div class=\"ps18209 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">deemed necessary and where considered economic.</span><span class=\"f charStyle-33e1c6d6 ps18208\"> <span class=\"f ps2\"> </span></span></div><div class=\"ps18210 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">While we do not have a separate country risk committee, the <span class=\"f ps2\"> </span></span></div><div class=\"ps18212 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">relevant credit committees as well as investment committees<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps18211\">, </span></div><div class=\"ps18213 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">IBP ERC and where necessary, Investec Group ERC will </span></div><div class=\"ps18214 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">consider, analyse and assess the appropriate foreign </span></div><div class=\"ps18215 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">jurisdiction limits.</span></div><div class=\"ps18216 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In the UK, following the official exit from the European Union, it <span class=\"f ps2\"> </span></span></div><div class=\"ps18217 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">remains necessary to avoid exposures to certain European </span></div><div class=\"ps18218 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">countries due to the resulting legal and regulatory implications. </span></div><div class=\"ps18219 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">This relates specifically to countries in which borrowers are </span></div><div class=\"ps18220 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">legally incorporated and any deal will be thoroughly assessed <span class=\"f ps2\"> </span></span></div><div class=\"ps18221 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">on a case by case basis to ensure compliance with current </span></div><div class=\"ps18222 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">regulations.<span class=\"f ps2\"> </span></span></div><div class=\"ps181 ss8\"><div class=\"ss236 ws0 ps356\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:21pt\"></td><td style=\"padding:0;width:131.25pt\"></td></tr><tr style=\"height:18.75pt\"><td style=\"padding:0\"><div class=\"ps19 ss2137\"><div><div class=\"ps28 ss588\"><div class=\"ps18123\"><div class=\"ps19\"><img alt=\"Unaudited_information.svg\" id=\"i-169\" src=\"data:image/svg+xml;base64,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\" style=\"height:13.52pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps2752 ss2138\"><div><div class=\"ps18156 ss1274\"><span class=\"f charStyle-0e78c81e ps7\">Sustainability risk<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps18157 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">We assess sustainability risk as part of the credit or investment </span></div><div class=\"ps18158 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">committee\u2019s evaluation of lending or investment decisions. All </span></div><div class=\"ps18159 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">credit and investment transactions with exposure to high-risk </span></div><div class=\"ps18160 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">industries go through a sustainability screening process. Where </span></div><div class=\"ps18161 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">the transaction is classified as high-risk, a sustainability </span></div><div class=\"ps18162 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">screening is required prior to the credit committee where risks </span></div><div class=\"ps18164 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">and opportunities are identified to assist the credit committee </span></div><div class=\"ps18223 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">in their decision-making process. Where risks are identified, </span></div><div class=\"ps18224 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">mitigating actions need to be included. Sustainability </span></div><div class=\"ps18225 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">considerations are implicit in our values, culture and code of </span></div><div class=\"ps18226 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">conduct and are applied as part of our day to day decision </span></div><div class=\"ps18228 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">making.</span><span class=\"f charStyle-33e1c6d6 ps3856\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps18227\">In particular, the following factors are considered when </span></div><div class=\"ps18229 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">a transaction is evaluated and approved or declined based on </span></div><div class=\"ps18170 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">sustainability considerations:</span></div><div class=\"ps18230 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Governance matters (including corruption, fraud <span class=\"f ps2\"> </span></span></div><div class=\"ps18231 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">and\u00a0controversies)<span class=\"f ps2\"> </span></span></div><div class=\"ps18174 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Environmental impacts (including climate, nature degradation </span></div><div class=\"ps18232 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">and animal welfare)</span></div><div class=\"ps18233 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Social injustice (including human rights, diversity, inclusion </span></div><div class=\"ps18234 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">and modern slavery, community displacement and health and </span></div><div class=\"ps18235 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">safety risks)</span></div><div class=\"ps18236 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Ethical considerations (including human rights and </span></div><div class=\"ps18237 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">modern\u00a0slavery)</span></div><div class=\"ps18238 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Macro-economic impacts (including poverty, growth, and </span></div><div class=\"ps18240 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">unemployment)</span><span class=\"f charStyle-33e1c6d6 ps18239\">.</span></div><div class=\"ps18241 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">If the Group sustainability team flags the transaction as a high </span></div><div class=\"ps18243 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">concern issue, it will be escalated to</span><span class=\"f charStyle-33e1c6d6 ps18242\"> IBP or Investec Group ERC </span></div><div class=\"ps18244 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">before any credit or investment decision is made. Moreover, </span></div><div class=\"ps18245 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">the DLC SEC is informed of any transactions identified with </span></div><div class=\"ps18246 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">high concerns.</span></div><div class=\"ps18249 ss8\"><div class=\"ss669 ws0 ps356\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:23.25pt\"></td><td style=\"padding:0;width:210pt\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss1517\"><div><div class=\"ps28 ss118\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Page_references.svg\" id=\"i-170\" src=\"data:image/svg+xml;base64,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\" style=\"height:15.59pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps18248 ss2139\"><div><div class=\"ps778 ss824\"><span class=\"f charStyle-33e1c6d6 ps7\">Refer to page </span><span class=\"f charStyle-c4fc3a3f ps18247\"><a class=\"Hyperlink\" href=\"#iccba24ea0cd14a1fbe74568356c33a8e_433\" style=\"z-index:1\">177</a><span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps16016\"> for further detail.<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps18251 ss8\"><div class=\"ss236 ws0 ps356\"><div><span id=\"i7d36fbc971ac4c0cbc4108cbc1baee49_2368\"></span><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:21pt\"></td><td style=\"padding:0;width:131.25pt\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss2140\"><div><div class=\"ps28 ss588\"><div class=\"ps18123\"><div class=\"ps19\"><img alt=\"Unaudited_information.svg\" id=\"i-171\" src=\"data:image/svg+xml;base64,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\" style=\"height:13.52pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><span id=\"idaee11659d954360aca41aa6a92a1560_0-1-1-1-3222700\"></span><div class=\"ps2752 ss2141\"><div><div class=\"ps18250 ss1274\"><span class=\"f charStyle-0e78c81e ps7\">Stress testing<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps18252 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">The Group\u2019s<span class=\"f ps2\"> </span></span><span class=\"f charStyle-c8d875d6 ps14977\"> stress testing framework is designed to identify </span></div><div class=\"ps18253 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps4867\">and assess vulnerabilities under stress. The process comprises </span></div><div class=\"ps18256 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps4867\">a bottom-up analysis of the</span><span class=\"f charStyle-33e1c6d6 ps18254\"> Group\u2019s</span><span class=\"f charStyle-a7a56500 ps18255\"> material business activities, </span></div><div class=\"ps18257 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps4867\">incorporating views from risk management teams, business and </span></div><div class=\"ps18258 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps4867\">the executive. Stress scenarios are designed based on findings </span></div><div class=\"ps18259 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps4867\">from the bottom-up process, taking into consideration the </span></div><div class=\"ps18261 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps4867\">broader macro-economic and political risk backdrop.</span><span class=\"f charStyle-33e1c6d6 ps18260\"> </span></div><div class=\"ps18262 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">These stress scenarios form an integral part of our capital </span></div><div class=\"ps18263 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">planning process and IFRS 9 reporting. The stress testing </span></div><div class=\"ps18264 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">process also informs the risk appetite review process, and the </span></div><div class=\"ps18265 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">management of risk appetite limits and is a key risk </span></div><div class=\"ps18267 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">management tool of the Group. This process allows the </span><span class=\"f charStyle-33e1c6d6 ps18266\">Group </span></div><div class=\"ps18268 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">to identify underlying risks and manage them accordingly.</span></div><div class=\"ps18270 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">The Group </span><span class=\"f charStyle-68c7bd0e ps18269\">also performs ad hoc stress tests and reverse stress </span></div><div class=\"ps18271 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">testing. Ad hoc stress tests are conducted in response to any </span></div><div class=\"ps18272 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">type of material and/or emerging risks, with reviews undertaken </span></div><div class=\"ps18273 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">of impacted portfolios to assess any migration in quality and </span></div><div class=\"ps18274 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">highlight any vulnerabilities, identify portfolio concentrations and </span></div><div class=\"ps18275 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">make appropriate recommendations such as a reduction in risk </span></div><div class=\"ps18277 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">appetite limits.</span><span class=\"f charStyle-68c7bd0e ps18276\"> Reverse stress tests are conducted to stress the </span></div><div class=\"ps18278 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">Group\u2019s business plan to failure and consider a broad variety of <span class=\"f ps2\"> </span></span></div><div class=\"ps18279 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">extreme and remote events.<span class=\"f ps2\"> </span></span></div></div><div><div class=\"ps4165 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Risk management and measurement</span></div><div class=\"ps5816 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Fundamental principles employed in the management and </span></div><div class=\"ps5817 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">measurement of credit risk include:</span></div><div class=\"ps10628 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">A clear definition of our target market</span></div><div class=\"ps5820 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">A quantitative and qualitative assessment of the </span></div><div class=\"ps5821 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">creditworthiness of our clients and counterparties</span></div><div class=\"ps5822 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Analysis of risks, including concentration risk (concentration </span></div><div class=\"ps5823 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">risk considerations include asset class, industry, counterparty </span></div><div class=\"ps5824 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">and geographical concentration)</span></div><div class=\"ps5825 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Risk appetite limits</span></div><div class=\"ps18281 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Prudential limits</span></div><div class=\"ps5828 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Regular monitoring and review of existing and potential <span class=\"f ps2\"> </span></span></div><div class=\"ps18282 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">exposures once facilities have been approved<span class=\"f ps2\"> </span></span></div><div class=\"ps10682 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">A high level of executive involvement in decision-making with </span></div><div class=\"ps18283 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">non-executive review and oversight where applicable</span></div><div class=\"ps5832 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Portfolio reviews and stress testing.</span></div><div class=\"ps10686 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Within the credit approval process, internal and external ratings </span></div><div class=\"ps10687 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">are included in the assessment of client quality.</span></div><div class=\"ps10689 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">A large proportion of the</span><span class=\"f charStyle-33e1c6d6 ps18284\"> Group\u2019s </span><span class=\"f charStyle-33e1c6d6 ps708\">portfolio is not rated by </span></div><div class=\"ps10690 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">external rating agencies. We place reliance upon internal </span></div><div class=\"ps10691 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">consideration of clients, counterparties and borrowers and use </span></div><div class=\"ps18285 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">ratings prepared externally where available to support our </span></div><div class=\"ps18286 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">decision-making process.</span></div><div class=\"ps18287 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Regular reporting of credit risk within our operating units are </span></div><div class=\"ps18289 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">made to management, the executives</span><span class=\"f charStyle-33e1c6d6 ps18288\"> and the Board through </span></div><div class=\"ps18291 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the DLC BRCC and IBP BRCC. The </span><span class=\"f charStyle-33e1c6d6 ps18290\">Board reviews and approves <span class=\"f ps2\"> </span></span></div><div class=\"ps18292 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the appetite for credit risk, which is documented in risk appetite <span class=\"f ps2\"> </span></span></div><div class=\"ps18293 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">statements and policy documents. This is implemented and <span class=\"f ps2\"> </span></span></div><div class=\"ps18294 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reviewed by the credit risk management teams in each <span class=\"f ps2\"> </span></span></div><div class=\"ps18295 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">jurisdiction.<span class=\"f ps2\"> </span></span></div><div class=\"ps18296 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Reviews are also undertaken of all material businesses, where </span></div><div class=\"ps18297 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the portfolios are analysed to assess any migration in portfolio </span></div><div class=\"ps18298 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">quality, highlight any vulnerabilities, identify portfolio </span></div><div class=\"ps18299 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">concentrations and make appropriate recommendations, such </span></div><div class=\"ps18300 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">as a reduction in risk appetite limits or specific exposures.</span></div><div class=\"ps18301 ss8\"><div class=\"ss1467 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:21pt\"></td><td style=\"padding:0;width:210pt\"></td></tr><tr style=\"height:18.75pt\"><td style=\"padding:0\"><div class=\"ps19 ss2137\"><div><div class=\"ps28 ss588\"><div class=\"ps18123\"><div class=\"ps19\"><img alt=\"Unaudited_information.svg\" id=\"i-172\" src=\"data:image/svg+xml;base64,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\" style=\"height:13.52pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps2752 ss2142\"><div><div class=\"ps18156 ss824\"><span class=\"f charStyle-0e78c81e ps7\">Nature of activities<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps18302 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Credit risk is assumed through a range of client-driven lending <span class=\"f ps2\"> </span></span></div><div class=\"ps18303 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">activities to private and corporate clients as well as other <span class=\"f ps2\"> </span></span></div><div class=\"ps18304 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">counterparties, such as financial institutions and sovereigns. <span class=\"f ps2\"> </span></span></div><div class=\"ps18305 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">These activities are diversified across a number of business <span class=\"f ps2\"> </span></span></div><div class=\"ps18306 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">activities:<span class=\"f ps2\"> </span></span></div><div class=\"ps18308 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps461\">Core loans and advances:</span><span class=\"f charStyle-33e1c6d6 ps18307\"> the majority of credit risk is </span></div><div class=\"ps18309 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">through core loans and advances, which reflects client-</span></div><div class=\"ps18310 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">driven lending activities to private and corporate clients and </span></div><div class=\"ps18311 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">account for almost all ECL allowances across our portfolio, </span></div><div class=\"ps18316 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">which are detailed on pages</span><span class=\"f charStyle-33e1c6d6 ps18312\"> </span><span class=\"f charStyle-c4fc3a3f ps18313\"><a class=\"Hyperlink\" href=\"#iccba24ea0cd14a1fbe74568356c33a8e_421\" style=\"z-index:1\">159</a></span><span class=\"f charStyle-33e1c6d6 ps18314\"> to </span><span class=\"f charStyle-c4fc3a3f ps18315\"><a class=\"Hyperlink\" href=\"#i8728d1f92d324955b1d4d9b2981fd9d9_3-0-1-1-3222700\" style=\"z-index:1\">166</a><span class=\"f ps2\"> </span></span></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps4868\">Treasury function:</span><span class=\"f charStyle-33e1c6d6 ps18317\"> there are also certain exposures, outside </span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">of core loans and advances, where we assume credit risk. </span></div><div class=\"ps701 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">These arise from treasury investments in high-quality liquid </span></div><div class=\"ps702 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">assets (HQLA), including highly rated government, </span></div><div class=\"ps3313 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">supranational, sub-sovereign and agency (SSA) and covered </span></div><div class=\"ps6370 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">bonds, and treasury placements where the treasury function, </span></div><div class=\"ps80 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">as part of the daily management of the</span><span class=\"f charStyle-33e1c6d6 ps18318\"> Group\u2019s </span><span class=\"f charStyle-33e1c6d6 ps18319\">liquidity, </span></div><div class=\"ps707 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">places funds with central banks and other commercial banks </span></div><div class=\"ps710 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">and financial institutions. These transactions are typically </span></div><div class=\"ps712 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">short-term (less than one month) money market placements </span></div><div class=\"ps3315 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">or secured repurchase agreements. These market </span></div><div class=\"ps3316 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">counterparties are mainly investment grade rated entities </span></div><div class=\"ps6373 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">that occupy dominant and systemic positions in their </span></div><div class=\"ps8274 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">domestic banking markets and internationally. These </span></div><div class=\"ps8275 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">counterparties are located mainly in the UK, Western Europe, </span></div><div class=\"ps7987 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">Asia, North America</span><span class=\"f charStyle-33e1c6d6 ps18320\">, Southern Africa </span><span class=\"f charStyle-33e1c6d6 ps18321\">and Australia.</span></div><div class=\"ps7988 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">In addition, credit risk arises through the following exposures:</span></div><div class=\"ps6376 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps4868\">Customer trading activities to facilitate hedging of client </span></div><div class=\"ps6377 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps4868\">risk positions: </span><span class=\"f charStyle-33e1c6d6 ps18322\">our customer trading portfolios consist of </span></div><div class=\"ps6378 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">derivative contracts in interest rates, foreign exchange, </span></div><div class=\"ps6379 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">commodities, credit derivatives and equities that are entered </span></div><div class=\"ps7995 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">into, to facilitate a client\u2019s hedging requirements. The </span></div><div class=\"ps7996 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">counterparties to such transactions are typically corporates, </span></div><div class=\"ps7997 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">in particular where they have an exposure to interest rates or </span></div><div class=\"ps5126 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">foreign exchange due to operating in sectors that include </span></div><div class=\"ps8259 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">imports and exports of goods and services. These positions </span></div><div class=\"ps8260 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">are marked-to-market, typically with daily margin calls to </span></div><div class=\"ps8261 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">mitigate credit exposure in the event of counterparty default</span></div><div class=\"ps8222 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps4868\">Structured credit:</span><span class=\"f charStyle-33e1c6d6 ps18323\"> these are bonds secured against a pool of </span></div><div class=\"ps8223 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">assets, mainly UK residential mortgages or European or US </span></div><div class=\"ps8224 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">corporate leverage loans. The bonds are typically highly </span></div><div class=\"ps8225 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">rated (single \u2018A\u2019 and above), which benefit from a high level of </span></div><div class=\"ps8007 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">credit subordination and can withstand a significant level of </span></div><div class=\"ps8010 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">portfolio default</span></div><div class=\"ps18325 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps4868\">Debt securities:</span><span class=\"f charStyle-33e1c6d6 ps18324\"> from time to time we take on exposures by </span></div><div class=\"ps8013 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">means of corporate debt securities rather than loan </span></div><div class=\"ps8014 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">exposures. These transactions arise on the back of client </span></div><div class=\"ps18326 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">relationships or knowledge of the corporate market and are </span></div><div class=\"ps8262 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">based on our analysis of the credit fundamentals</span></div><div class=\"ps8231 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps4868\">Corporate advisory and investment banking activities:</span><span class=\"f charStyle-33e1c6d6 ps18327\"> </span></div><div class=\"ps8232 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">counterparty risk in this area is modest. The business also </span></div><div class=\"ps8233 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">trades shares on an approved basis and</span><span class=\"f charStyle-33e1c6d6 ps18328\"> </span><span class=\"f charStyle-33e1c6d6 ps18329\">makes markets in <span class=\"f ps2\"> </span></span></div><div class=\"ps8234 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">shares where we are appointed corporate broker under pre-<span class=\"f ps2\"> </span></span></div><div class=\"ps8235 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">agreed market risk limits. Settlement trades are largely on a <span class=\"f ps2\"> </span></span></div><div class=\"ps8236 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">delivery versus payment basis, through major stock <span class=\"f ps2\"> </span></span></div><div class=\"ps8237 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">exchanges. Credit risk only occurs in the event of <span class=\"f ps2\"> </span></span></div><div class=\"ps8238 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">counterparty failure and would be linked to any fair value <span class=\"f ps2\"> </span></span></div><div class=\"ps8239 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">losses on the underlying security<span class=\"f ps2\"> </span></span></div><div class=\"ps5171 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps4868\">Settlement risk: </span><span class=\"f charStyle-33e1c6d6 ps18330\">can arise due to undertaking transactions in </span></div><div class=\"ps8241 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">an agency capacity on behalf of clients. However, the risk is </span></div><div class=\"ps8242 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">not considered to be material as most transactions are </span></div><div class=\"ps8243 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">undertaken on recognised exchanges, with large institutional </span></div><div class=\"ps8244 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">clients, monitored daily, with trades usually settled within two </span></div><div class=\"ps8245 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">to three days.</span></div></div><div class=\"ps4165 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Credit risk mitigation</span></div><div class=\"ps5816 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Credit risk mitigation techniques can be defined as all methods </span></div><div class=\"ps5817 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">by which the Group seeks to decrease the credit risk </span></div><div class=\"ps5818 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">associated with an exposure. The</span><span class=\"f charStyle-33e1c6d6 ps18333\"> Investec Group </span><span class=\"f charStyle-33e1c6d6 ps18334\">considers </span></div><div class=\"ps5819 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">credit risk mitigation techniques as part of the credit </span></div><div class=\"ps5820 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">assessment of a potential client or business proposal and not </span></div><div class=\"ps5821 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">as a separate consideration of mitigation of risk. Credit risk </span></div><div class=\"ps10631 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">mitigants can include any collateral item over which the Group </span></div><div class=\"ps10632 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">has a charge, netting and margining agreements, covenants, or </span></div><div class=\"ps10633 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">terms and conditions imposed on a borrower with the aim of </span></div><div class=\"ps10634 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reducing the credit risk inherent to that transaction.</span></div><div class=\"ps10635 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">As the Group </span><span class=\"f charStyle-33e1c6d6 ps18335\">has limited appetite for unsecured debt. A strong </span></div><div class=\"ps18281 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">emphasis is placed on proven income and cash flows </span></div><div class=\"ps18336 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">generated by the clients and risk is managed through </span></div><div class=\"ps18337 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">assessment of the ability of clients to meet their payment </span></div><div class=\"ps5829 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">obligations and/or tangible assets provided in support of their </span></div><div class=\"ps18340 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps2861\">obligations.</span><span class=\"f charStyle-4646bb92 ps18338\"> </span><span class=\"f charStyle-33e1c6d6 ps18339\">Collateral is assessed with reference to the </span></div><div class=\"ps18341 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sustainability of value and the likelihood of realisation.</span></div><div class=\"ps18342 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Acceptable collateral generally exhibits characteristics that </span></div><div class=\"ps18343 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">allow for it to be easily identified and appropriately valued and </span></div><div class=\"ps18345 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">assists the</span><span class=\"f charStyle-33e1c6d6 ps18344\"> Group </span><span class=\"f charStyle-33e1c6d6 ps4178\">to recover outstanding exposures.</span></div><div class=\"ps18346 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Where a transaction is supported by a mortgage or charge over </span></div><div class=\"ps18347 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">property, the primary credit risk is still taken on the borrower. In </span></div><div class=\"ps18348 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">addition, the relevant credit committee normally requires a </span></div><div class=\"ps18349 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">suretyship or guarantee in support of a transaction in our </span></div><div class=\"ps18351 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">private client business.</span><span class=\"f charStyle-33e1c6d6 ps18350\"> </span></div><div class=\"ps18352 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For property-backed lending we also consider the client\u2019s </span></div><div class=\"ps18353 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">overall balance sheet. In addition, the following characteristics </span></div><div class=\"ps18354 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of the property are considered: the type of property; its </span></div><div class=\"ps18355 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">location; and the ease with which the property could be relet </span></div><div class=\"ps18356 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and/or resold. Where the property is secured by lease </span></div><div class=\"ps18357 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">agreement, the credit committee prefers not to lend for a term </span></div><div class=\"ps18358 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">beyond the maximum term of the lease. Commercial real estate </span></div><div class=\"ps18359 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">generally takes the form of good quality property often </span></div><div class=\"ps18360 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">underpinned by strong third party leases. Residential property </span></div><div class=\"ps18361 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">is also generally of a high quality and based in desirable </span></div><div class=\"ps18362 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">locations. Residential and commercial property valuations will </span></div><div class=\"ps18363 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">continue to form part of our ongoing focus on collateral </span></div><div class=\"ps18364 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">assessment. It is our policy to obtain a formal valuation of every </span></div><div class=\"ps18365 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">commercial property offered as collateral for a lending facility </span></div><div class=\"ps18366 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">before advancing funds. Residential properties are valued by </span></div><div class=\"ps18367 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">desktop valuation and/or approved valuers, where appropriate.</span></div><div class=\"ps18368 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Other common forms of collateral in the retail asset class are </span></div><div class=\"ps18369 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">motor vehicles, cash and share portfolios. Primary collateral in </span></div><div class=\"ps18370 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">private client lending transactions can also include a high net </span></div><div class=\"ps18371 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">worth individual\u2019s share/investment portfolio. This is typically in </span></div><div class=\"ps18372 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the form of a diversified pool of equity, fixed income, managed </span></div><div class=\"ps18373 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">funds and cash. Often these portfolios are managed by </span></div><div class=\"ps18374 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Rathbones. Lending against investment portfolios is typically </span></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">geared at conservative loan-to-value (LTV) ratios, after </span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">considering the quality, diversification, risk profile and liquidity </span></div><div class=\"ps701 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">of the portfolio.</span></div><div class=\"ps6025 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Our corporate, government and institutional clients provide a </span></div><div class=\"ps705 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">range of collateral including cash, corporate assets, debtors </span></div><div class=\"ps706 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">(accounts receivable), trading stock, debt securities (bonds), </span></div><div class=\"ps3314 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">listed and unlisted shares and guarantees.</span></div><div class=\"ps710 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">The majority of credit mitigation techniques linked to trading </span></div><div class=\"ps712 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">activity is in the form of netting agreements and daily </span></div><div class=\"ps3315 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">margining. Primarily, the market standard legal documents that </span></div><div class=\"ps3316 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">govern this include the International Swaps and Derivatives </span></div><div class=\"ps6373 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Association (ISDA) Master Agreements, Global Master </span></div><div class=\"ps8274 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Securities Lending Agreement (GMSLA) and Global Master </span></div><div class=\"ps8275 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Repurchase Agreement (GMRA). In addition to having ISDA </span></div><div class=\"ps7987 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">documentation in place with market and trading counterparties </span></div><div class=\"ps8276 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">in over-the-counter (OTC) derivatives, the credit committee </span></div><div class=\"ps6375 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">may require a Credit Support Annex (CSA) to ensure that mark-</span></div><div class=\"ps6376 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">to-market credit exposure is mitigated daily through the </span></div><div class=\"ps6377 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">calculation and receipt of cash collateral. Where netting </span></div><div class=\"ps6378 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">agreements have been signed, the enforceability is supported </span></div><div class=\"ps6379 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">by an external legal opinion within the legal jurisdiction of the </span></div><div class=\"ps7995 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">agreement.</span></div><div class=\"ps6381 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Set-off is applied between assets, subject to credit risk and </span></div><div class=\"ps6382 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">related liabilities in the annual financial statements, where:</span></div><div class=\"ps8259 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">A legally enforceable right to set-off exists</span></div><div class=\"ps6384 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">There is the intention to settle the asset and liability </span></div><div class=\"ps7998 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">on\u00a0a\u00a0net\u00a0basis, or to realise the asset and settle the </span></div><div class=\"ps8222 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">liability\u00a0simultaneously.</span></div><div class=\"ps8004 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">In addition to the above accounting set-off criteria, banking </span></div><div class=\"ps8005 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">regulators impose the following additional criteria:</span></div><div class=\"ps8007 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Debit and credit balances relate to the same obligor/</span></div><div class=\"ps8010 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">counterparty</span></div><div class=\"ps18325 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Debit and credit balances are denominated in the same </span></div><div class=\"ps8013 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">currency and have identical maturities</span></div><div class=\"ps8228 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Exposures subject to set-off are risk-managed on a net basis</span></div><div class=\"ps8262 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Market practice considerations.</span></div><div class=\"ps8231 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">For this reason, there will be instances where credit and </span></div><div class=\"ps8232 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">counterparty exposures are displayed on a net basis in these </span></div><div class=\"ps8233 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">annual financial statements but reported on a gross basis </span></div><div class=\"ps8234 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">to\u00a0regulators.</span></div><div class=\"ps8283 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">The legal risk function ensures the enforceability of credit risk </span></div><div class=\"ps8284 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">mitigants under the laws of the relevant jurisdictions. When </span></div><div class=\"ps8285 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">assessing the potential concentration risk in its credit portfolio, </span></div><div class=\"ps8286 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">consideration is given to the types of collateral and credit </span></div><div class=\"ps8287 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">protection that form part of the portfolio.</span></div><div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_421\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps181 ss8\"><div class=\"ss2145 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:21pt\"></td><td style=\"padding:0;width:395.25pt\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss2140\"><div><div class=\"ps28 ss588\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Alternative_performance_measures.svg\" id=\"i-173\" src=\"data:image/svg+xml;base64,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\" style=\"height:14pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><span id=\"i65af01f5bc13448390b7829ab367cf2b_0-1-1-1-3222700\"></span><div class=\"ps2752 ss2144\"><div><div class=\"ps18378 ss2143\"><span class=\"f charStyle-5f0cbfde ps7\">An analysis of gross core loans, asset quality and ECL <span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps18379 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The tables that follow provide information with respect to the asset quality of our gross core loans on a statutory basis.<span class=\"f ps2\"> </span></span></div><div class=\"ps18380 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Stage 3 exposures are flat as a proportion of the book at 3.4%, in line with 31 March 2025. Stage 3 exposures remain diversified <span class=\"f ps2\"> </span></span></div><div class=\"ps18381 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">across multiple asset classes and provisions are individually assessed.<span class=\"f ps2\"> </span></span></div><div class=\"ps18382 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Stage 2 exposures have decreased to \u00a31 266 million or 7.4% of gross core loans subject to ECL at 31 March 2026 (\u00a31\u00a0331\u00a0million or </span></div><div class=\"ps18383 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">8.1% at 31 March 2025) as underlying portfolios continue to perform. </span></div><div class=\"ps18438 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:362.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss2147\"><div><div class=\"ps809 ss2146\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps18386 ss305\"><div><div class=\"ps809 ss296\"><span class=\"f charStyle-a26246ce ps18385\">31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps814 ss305\"><div><div class=\"ps809 ss296\"><span class=\"f charStyle-8d4b9b37 ps18387\">31 March 2025^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps816 ss2148\"><div><div class=\"ps997 ss2146\"><span class=\"f charStyle-b7f6e8e5 ps7\">Gross core loans<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18388 ss301\"><div><div class=\"ps997 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.96pt\"></span></span><span class=\"ps10225\">18\u00a0011<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps13409 ss301\"><div><div class=\"ps997 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.4pt\"></span></span><span class=\"ps16422\">16\u00a0990<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps184 ss2147\"><div><div class=\"ps815 ss2146\"><span class=\"f charStyle-2b0f4fe0 ps7\">Gross core loans at FVPL <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18389 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.53pt\"></span></span><span class=\"ps11265\">809<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps18390 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.03pt\"></span></span><span class=\"ps11912\">572<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9200 ss2147\"><div><div class=\"ps815 ss2146\"><span class=\"f charStyle-13225c7c ps7\">Gross core loans subject to ECL</span><span class=\"f charStyle-19493eb4 ps18391\"><span class=\"f ps2\"> </span><sup>*</sup></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps18392 ss305\"><div><div class=\"ps2632 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.35pt\"></span></span><span class=\"ps11438\">17\u00a0202<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11794 ss305\"><div><div class=\"ps2632 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.76pt\"></span></span><span class=\"ps11785\">16\u00a0418<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9204 ss2147\"><div><div class=\"ps815 ss2146\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 1<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18393 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.52pt\"></span></span><span class=\"ps14798\">15\u00a0354<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11796 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.43pt\"></span></span><span class=\"ps11158\">14\u00a0524<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4003 ss2147\"><div><div class=\"ps815 ss2146\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 2<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18394 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.13pt\"></span></span><span class=\"ps11889\">1\u00a0266<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11139 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.08pt\"></span></span><span class=\"ps18395\">1\u00a0331<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4562 ss2147\"><div><div class=\"ps815 ss2146\"><span class=\"f charStyle-f370dde9 ps1864\">of which past due greater than 30 days<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18396 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-f370dde9\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.23pt\"></span></span><span class=\"ps12600\">31<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11149 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-f370dde9\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.11pt\"></span></span><span class=\"ps11895\">60<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9218 ss2147\"><div><div class=\"ps815 ss2146\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18398 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.67pt\"></span></span><span class=\"ps18397\">582<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11159 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.54pt\"></span></span><span class=\"ps18399\">563<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9225 ss2147\"><div><div class=\"ps815 ss2146\"><span class=\"f charStyle-b7f6e8e5 ps7\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps18401 ss305\"><div><div class=\"ps2632 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.41pt\"></span></span><span class=\"ps18400\">(207)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11168 ss305\"><div><div class=\"ps2632 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.67pt\"></span></span><span class=\"ps11798\">(176)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps220 ss2147\"><div><div class=\"ps815 ss2146\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 1<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18402 ss305\"><div><div class=\"ps2632 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.76pt\"></span></span><span class=\"ps16860\">(37)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps18403 ss305\"><div><div class=\"ps2632 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.29pt\"></span></span><span class=\"ps11339\">(34)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9234 ss2147\"><div><div class=\"ps815 ss2146\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 2<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18405 ss305\"><div><div class=\"ps2632 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.54pt\"></span></span><span class=\"ps18404\">(28)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps18407 ss305\"><div><div class=\"ps2632 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.64pt\"></span></span><span class=\"ps18406\">(31)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9241 ss2147\"><div><div class=\"ps815 ss2146\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18409 ss305\"><div><div class=\"ps2632 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.09pt\"></span></span><span class=\"ps18408\">(142)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps18411 ss305\"><div><div class=\"ps2632 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.67pt\"></span></span><span class=\"ps18410\">(111)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9245 ss2147\"><div><div class=\"ps815 ss2146\"><span class=\"f charStyle-b7f6e8e5 ps7\">Coverage ratio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3337 ss2147\"><div><div class=\"ps815 ss2146\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 1<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18413 ss305\"><div><div class=\"ps2632 ss296\"><span class=\"f charStyle-2b0f4fe0 ps18412\">0.24%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps18414 ss305\"><div><div class=\"ps2632 ss296\"><span class=\"f charStyle-2b0f4fe0 ps11252\">0.23%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9254 ss2147\"><div><div class=\"ps815 ss2146\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 2<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18416 ss305\"><div><div class=\"ps2632 ss296\"><span class=\"f charStyle-2b0f4fe0 ps18415\">2.2%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps18417 ss305\"><div><div class=\"ps2632 ss296\"><span class=\"f charStyle-2b0f4fe0 ps5541\">2.3%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps289 ss2147\"><div><div class=\"ps815 ss2146\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18419 ss305\"><div><div class=\"ps2632 ss296\"><span class=\"f charStyle-2b0f4fe0 ps18418\">24.4%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps18420 ss305\"><div><div class=\"ps2632 ss296\"><span class=\"f charStyle-2b0f4fe0 ps11881\">19.7%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps8433 ss2147\"><div><div class=\"ps815 ss2146\"><span class=\"f charStyle-b7f6e8e5 ps7\">Credit loss ratio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps18421 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5 ps12408\">0.57%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps18422 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5 ps11526\">0.60%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps6660 ss2147\"><div><div class=\"ps815 ss2146\"><span class=\"f charStyle-2b0f4fe0 ps7\">ECL impairment charges on core loans<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18423 ss305\"><div><div class=\"ps2632 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.9pt\"></span></span><span class=\"ps2240\">(97)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps18424 ss305\"><div><div class=\"ps2632 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.9pt\"></span></span><span class=\"ps2240\">(97)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9269 ss2147\"><div><div class=\"ps815 ss2146\"><span class=\"f charStyle-9458d4de ps7\">Average gross core loans subject to ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18426 ss305\"><div><div class=\"ps4184 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.75pt\"></span></span><span class=\"ps18425\">16\u00a0810<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps11220 ss305\"><div><div class=\"ps4184 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.88pt\"></span></span><span class=\"ps14988\">16\u00a0270<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9274 ss2147\"><div><div class=\"ps815 ss2146\"><span class=\"f charStyle-b7f6e8e5 ps7\">An analysis of Stage 3 gross core loans subject to ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9280 ss2147\"><div><div class=\"ps815 ss2146\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 3 net of ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18427 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.3pt\"></span></span><span class=\"ps15293\">440<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps18429 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.56pt\"></span></span><span class=\"ps18428\">452<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8460 ss2147\"><div><div class=\"ps815 ss2146\"><span class=\"f charStyle-2b0f4fe0 ps7\">Aggregate collateral and other credit enhancements on Stage 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18431 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.68pt\"></span></span><span class=\"ps18430\">461<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps18432 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.67pt\"></span></span><span class=\"ps18397\">455<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2406 ss2147\"><div><div class=\"ps815 ss2146\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 3 as a % of gross core loans subject to ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18434 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0 ps18433\">3.4%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps18435 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0 ps18433\">3.4%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps8482 ss2147\"><div><div class=\"ps815 ss2146\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 3 net of ECL as a % of net core loans subject to ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps18436 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0 ps18415\">2.6%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps18437 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0 ps8027\">2.8%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps18447 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps23\">Note: Our exposure (net of ECL) to the Legacy portfolio has reduced from \u00a3<span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps18439\">27<span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps18440\"> million at </span><span class=\"f charStyle-207fba8f ps18441\">31 March 2025<span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps18442\"> to \u00a3<span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps18443\">24<span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps18444\"> million at <span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps18445\">31 March 2026<span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps18446\">. These Legacy assets are <span class=\"f ps2\"> </span></span></div><div class=\"ps18451 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps23\">predominantly reported in Stage 3.<span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps18448\"> These assets have been significantly provided for and coverage remains high at </span><span class=\"f charStyle-207fba8f ps18449\">47.7%</span><span class=\"f charStyle-207fba8f ps18450\">. </span></div><div class=\"ps18452 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Refer to definitions on page </span></span><span class=\"f charStyle-dc443274 ps5415\"><a class=\"Hyperlink\" href=\"#iccba24ea0cd14a1fbe74568356c33a8e_481\" style=\"z-index:1\">212</a><span class=\"f ps2\"> </span></span><span class=\"f charStyle-207fba8f ps5416\">.\u00a0 <span class=\"f ps2\"> </span></span></div><div class=\"ps18455 ss8\"><div class=\"ss2152 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:18.75pt\"></td><td style=\"padding:0;width:309pt\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss2149\"><div><div class=\"ps28 ss740\"><div class=\"ps18454\"><div class=\"ps19\"><img alt=\"Unaudited_information.svg\" id=\"i-174\" src=\"data:image/svg+xml;base64,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\" style=\"height:13.52pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps3212 ss2151\"><div><div class=\"ps18250 ss2150\"><span class=\"f charStyle-b9f48ea1 ps7\">An analysis of gross core loans by country of exposure<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps18460 ss8\"><div class=\"ss125 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:234pt\"></td><td style=\"padding:0;width:12pt\"></td><td style=\"padding:0;width:234pt\"></td></tr><tr style=\"height:12.75pt\"><td style=\"padding:0\"><div class=\"ps19 ss2153\"><div><div class=\"ps29 ss607\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps7\">31 March 2026</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps3813 ss2153\"><div><div class=\"ps29 ss607\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps7\">31 March 2025</span><span class=\"f charStyle-6826b85b ps18456\"><sup>^</sup></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2743 ss2154\"><div><div class=\"ps2632 ss607\" style=\"font-size:12pt\"><span class=\"f charStyle-9458d4de ps7\">\u00a3</span><span class=\"f charStyle-9458d4de ps18457\">18\u00a0011<span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps18458\"> million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps18459 ss2154\"><div><div class=\"ps2632 ss607\" style=\"font-size:12pt\"><span class=\"f charStyle-9458d4de ps7\">\u00a3</span><span class=\"f charStyle-9458d4de ps18457\">16\u00a0990<span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps10135\"> million<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps18462 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-4646bb92\"><span class=\"ps3808\"><span style=\"display:inline-block;height:103.46pt;width:30.11pt\"></span></span></span><div class=\"ps14\"><div class=\"ps19\"><img alt=\"799\" id=\"i-175\" 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\" style=\"height:103.46pt;width:225pt\"/></div></div><div class=\"ps18461\"><div class=\"ps19\"><img alt=\"801\" id=\"i-176\" 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\" style=\"height:103.46pt;width:225pt\"/></div></div></div><div class=\"ps18489 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:15.75pt\"></td><td style=\"padding:0;width:168.75pt\"></td><td style=\"padding:0;width:30pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:15.75pt\"></td><td style=\"padding:0;width:168.75pt\"></td><td style=\"padding:0;width:30pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps19 ss2155\"><div><div class=\"ps28 ss1265\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Investec_Pie-chart_Letters-01.svg\" id=\"i-177\" src=\"data:image/svg+xml;base64,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\" style=\"height:9.19pt;width:11.34pt\"/></div></div></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps6476 ss2156\"><div><div class=\"ps18464 ss1858\"><span class=\"f charStyle-73034ed3 ps7\">United Kingdom<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps18466 ss910\"><div><div class=\"ps18464 ss784\"><span class=\"f charStyle-73034ed3\"><span class=\"ps18465\"></span><span class=\"ps18465\">82.6</span><span class=\"ps9470\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps18467 ss2155\"><div><div class=\"ps28 ss1265\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Investec_Pie-chart_Letters-01.svg\" id=\"i-178\" src=\"data:image/svg+xml;base64,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\" style=\"height:9.19pt;width:11.34pt\"/></div></div></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps987 ss2156\"><div><div class=\"ps18464 ss1858\"><span class=\"f charStyle-73034ed3 ps7\">United Kingdom<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps3815 ss910\"><div><div class=\"ps18464 ss784\"><span class=\"f charStyle-73034ed3\"><span class=\"ps6705\"></span><span class=\"ps6705\">83.5</span><span class=\"ps18468\">%</span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps2724 ss2155\"><div><div class=\"ps28 ss1265\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Investec_Pie-chart_Letters-02.svg\" id=\"i-179\" src=\"data:image/svg+xml;base64,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\" style=\"height:9.19pt;width:11.34pt\"/></div></div></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps18469 ss2156\"><div><div class=\"ps18464 ss1858\"><span class=\"f charStyle-73034ed3 ps7\">Europe (excluding UK)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps18471 ss910\"><div><div class=\"ps18464 ss784\"><span class=\"f charStyle-73034ed3\"><span class=\"ps18470\"></span><span class=\"ps18470\">10.6</span><span class=\"ps18468\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps18472 ss2155\"><div><div class=\"ps28 ss1265\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Investec_Pie-chart_Letters-02.svg\" id=\"i-180\" src=\"data:image/svg+xml;base64,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\" style=\"height:9.19pt;width:11.34pt\"/></div></div></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps18473 ss2156\"><div><div class=\"ps18464 ss1858\"><span class=\"f charStyle-73034ed3 ps7\">Europe (excluding UK)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps4065 ss910\"><div><div class=\"ps18464 ss784\"><span class=\"f charStyle-73034ed3\"><span class=\"ps18474\"></span><span class=\"ps18474\">10.0</span><span class=\"ps18468\">%</span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps4066 ss2155\"><div><div class=\"ps28 ss1265\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Investec_Pie-chart_Letters-03.svg\" id=\"i-181\" src=\"data:image/svg+xml;base64,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\" style=\"height:9.19pt;width:11.34pt\"/></div></div></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps18475 ss2156\"><div><div class=\"ps18464 ss1858\"><span class=\"f charStyle-73034ed3 ps7\">North America<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps18476 ss910\"><div><div class=\"ps18464 ss784\"><span class=\"f charStyle-73034ed3\"><span class=\"ps14331\"></span><span class=\"ps14331\">4.4</span><span class=\"ps18468\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps18477 ss2155\"><div><div class=\"ps28 ss1265\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Investec_Pie-chart_Letters-03.svg\" id=\"i-182\" src=\"data:image/svg+xml;base64,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\" style=\"height:9.19pt;width:11.34pt\"/></div></div></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps18478 ss2156\"><div><div class=\"ps18464 ss1858\"><span class=\"f charStyle-73034ed3 ps7\">North America<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps4071 ss910\"><div><div class=\"ps18464 ss784\"><span class=\"f charStyle-73034ed3\"><span class=\"ps14331\"></span><span class=\"ps14331\">4.4</span><span class=\"ps18468\">%</span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps3516 ss2155\"><div><div class=\"ps28 ss1265\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Investec_Pie-chart_Letters-04.svg\" id=\"i-183\" src=\"data:image/svg+xml;base64,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\" style=\"height:9.19pt;width:11.34pt\"/></div></div></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps18479 ss2156\"><div><div class=\"ps18464 ss1858\"><span class=\"f charStyle-73034ed3 ps7\">Asia<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps18481 ss910\"><div><div class=\"ps18464 ss784\"><span class=\"f charStyle-73034ed3\"><span class=\"ps18480\"></span><span class=\"ps18480\">2.0</span><span class=\"ps18468\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps18482 ss2155\"><div><div class=\"ps28 ss1265\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Investec_Pie-chart_Letters-04.svg\" id=\"i-184\" src=\"data:image/svg+xml;base64,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\" style=\"height:9.19pt;width:11.34pt\"/></div></div></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps18483 ss2156\"><div><div class=\"ps18464 ss1858\"><span class=\"f charStyle-73034ed3 ps7\">Asia<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps4076 ss910\"><div><div class=\"ps18464 ss784\"><span class=\"f charStyle-73034ed3\"><span class=\"ps16707\"></span><span class=\"ps16707\">1.7</span><span class=\"ps18468\">%</span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps4077 ss2155\"><div><div class=\"ps28 ss1265\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Investec_Pie-chart_Letters-05.svg\" id=\"i-185\" src=\"data:image/svg+xml;base64,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\" style=\"height:9.19pt;width:11.34pt\"/></div></div></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps18484 ss2156\"><div><div class=\"ps18464 ss1858\"><span class=\"f charStyle-73034ed3 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps18486 ss910\"><div><div class=\"ps18464 ss784\"><span class=\"f charStyle-73034ed3\"><span class=\"ps18485\"></span><span class=\"ps18485\">0.4</span><span class=\"ps18468\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps18487 ss2155\"><div><div class=\"ps28 ss1265\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Investec_Pie-chart_Letters-05.svg\" id=\"i-186\" src=\"data:image/svg+xml;base64,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\" style=\"height:9.19pt;width:11.34pt\"/></div></div></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps18488 ss2156\"><div><div class=\"ps18464 ss1858\"><span class=\"f charStyle-73034ed3 ps7\">Other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps4082 ss910\"><div><div class=\"ps18464 ss784\"><span class=\"f charStyle-73034ed3\"><span class=\"ps18485\"></span><span class=\"ps18485\">0.4</span><span class=\"ps18468\">%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps18490 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^ <span style=\"display:inline-block;height:5.81pt;width:9.82pt\"></span></span></span><span class=\"f charStyle-207fba8f ps968\">Re-presented as detailed on page 167.</span></div></div><div><div class=\"ps181 ss8\"><div class=\"ss2157 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:435pt\"></td></tr><tr style=\"height:17.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss2158\"><div><div class=\"ps18124 ss2157\"><span class=\"f charStyle-0e78c81e ps7\">An analysis of staging and ECL movements for core loans subject to ECL<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps18496 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The table below indicates underlying movements in gross core loans subject to ECL from </span><span class=\"f charStyle-33e1c6d6 ps18492\">31 March 2025</span><span class=\"f charStyle-33e1c6d6 ps18493\"> to </span><span class=\"f charStyle-33e1c6d6 ps18494\">31 March 2026</span><span class=\"f charStyle-33e1c6d6 ps18495\">. </span></div><div class=\"ps18497 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps699\">The transfers between stages of gross core loans indicate the impact of stage transfers upon the gross exposure and associated </span></div><div class=\"ps18498 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">opening ECL. </span></div><div class=\"ps18499 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The reduction in Stage 2 exposures since 31 March 2025 reflected increased repayments and settlements, together with </span></div><div class=\"ps18500 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">migrations into Stage 3.</span></div><div class=\"ps18501 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The net remeasurement of ECL arising from stage transfers represents the (increase)/decrease in ECL due to these transfers. New </span></div><div class=\"ps18502 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">lending net of repayments comprises new originations, further drawdowns, repayments, sell-downs as well as Stage 3 exposures </span></div><div class=\"ps18503 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and related ECLs that have been written off.</span></div><div class=\"ps18504 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The ECL impact of changes to risk parameters and models during the year relate to the adjustment of model changes to more </span></div><div class=\"ps18505 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">effectively calculate probability of default (PD) reflective of the current experience in the economic environment. The foreign </span></div><div class=\"ps18506 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">exchange and other category largely comprises the impact on the closing balance as a result of movements and translations in </span></div><div class=\"ps18510 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">foreign exchange rates since </span><span class=\"f charStyle-33e1c6d6 ps18507\">31 March 2025</span><span class=\"f charStyle-33e1c6d6 ps18508\">. </span><span class=\"f charStyle-33e1c6d6 ps18509\"> </span></div><div class=\"ps18782 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:208.5pt\"></td><td style=\"padding:0;width:33.75pt\"></td><td style=\"padding:0;width:33.75pt\"></td><td style=\"padding:0;width:33.75pt\"></td><td style=\"padding:0;width:33.75pt\"></td><td style=\"padding:0;width:33.75pt\"></td><td style=\"padding:0;width:33.75pt\"></td><td style=\"padding:0;width:36pt\"></td><td style=\"padding:0;width:33.75pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18511 ss2159\"><div><div class=\"ps809 ss1360\"><span class=\"f charStyle-a26246ce ps12488\">Stage 1<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps16387 ss2159\"><div><div class=\"ps809 ss1360\"><span class=\"f charStyle-a26246ce ps18512\">Stage 2<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18513 ss2159\"><div><div class=\"ps809 ss1360\"><span class=\"f charStyle-a26246ce ps9223\">Stage 3<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18515 ss2160\"><div><div class=\"ps809 ss2109\"><span class=\"f charStyle-a26246ce ps18514\">Total<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss2161\"><div><div class=\"ps1400 ss744\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18516 ss2162\"><div><div class=\"ps1404 ss1284\"><span class=\"f charStyle-8d4b9b37 ps8326\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss1284\"><span class=\"f charStyle-8d4b9b37 ps6429\">exposure<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18518 ss2162\"><div><div class=\"ps1400 ss1284\"><span class=\"f charStyle-6f1c08a8 ps18517\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18519 ss2162\"><div><div class=\"ps1404 ss1284\"><span class=\"f charStyle-8d4b9b37 ps8326\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss1284\"><span class=\"f charStyle-8d4b9b37 ps6429\">exposure<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18520 ss2162\"><div><div class=\"ps1400 ss1284\"><span class=\"f charStyle-6f1c08a8 ps18517\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18521 ss2162\"><div><div class=\"ps1404 ss1284\"><span class=\"f charStyle-8d4b9b37 ps8326\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss1284\"><span class=\"f charStyle-8d4b9b37 ps6429\">exposure<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14234 ss2162\"><div><div class=\"ps1400 ss1284\"><span class=\"f charStyle-6f1c08a8 ps18517\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18523 ss2163\"><div><div class=\"ps1404 ss310\"><span class=\"f charStyle-ef17fa27 ps10534\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss310\"><span class=\"f charStyle-ef17fa27 ps18522\">exposure</span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18524 ss2162\"><div><div class=\"ps1400 ss1284\"><span class=\"f charStyle-ef17fa27 ps14437\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps362 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-b7f6e8e5 ps7\">At 31 March 2025^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18526 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:2.2pt\"></span></span><span class=\"ps18525\">14\u00a0524<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18527 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.23pt\"></span></span><span class=\"ps139\">(34)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18529 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.36pt\"></span></span><span class=\"ps18528\">1\u00a0331<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18530 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.64pt\"></span></span><span class=\"ps15995\">(31)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18532 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.59pt\"></span></span><span class=\"ps18531\">563<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18533 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.24pt\"></span></span><span class=\"ps16218\">(111)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.5pt solid #000;padding:0\"><div class=\"ps16855 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.51pt\"></span></span><span class=\"ps18534\">16\u00a0418<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18535 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.17pt\"></span></span><span class=\"ps9212\">(176)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2487 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-b7f6e8e5 ps7\">Lending collateralised by property at 31 March 2025^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18536 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.13pt\"></span></span><span class=\"ps2714\">1\u00a0910<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18537 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.42pt\"></span></span><span class=\"ps16431\">(5)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18538 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.56pt\"></span></span><span class=\"ps17646\">248<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18539 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.31pt\"></span></span><span class=\"ps9575\">(3)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18540 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.86pt\"></span></span><span class=\"ps3514\">165<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18541 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.64pt\"></span></span><span class=\"ps15995\">(31)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18542 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.51pt\"></span></span><span class=\"ps1496\">2\u00a0323<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18543 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.36pt\"></span></span><span class=\"ps10357\">(39)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2492 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Transfer from Stage 1<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18545 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.05pt\"></span></span><span class=\"ps18544\">(69)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18547 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18548 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.64pt\"></span></span><span class=\"ps12137\">69<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18549 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18550 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18551 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18552 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18553 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps192 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Transfer from Stage 2<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18554 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.87pt\"></span></span><span class=\"ps15321\">47<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18555 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.85pt\"></span></span><span class=\"ps11241\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18556 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.05pt\"></span></span><span class=\"ps18544\">(96)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18558 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.21pt\"></span></span><span class=\"ps18557\">2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18559 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.52pt\"></span></span><span class=\"ps13299\">49<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18560 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.85pt\"></span></span><span class=\"ps11241\">(1)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18561 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18562 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2501 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Transfer from Stage 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18563 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18564 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18565 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18566 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18567 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18568 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18569 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18570 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2506 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">ECL remeasurement arising from transfer of stage<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18571 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18572 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18573 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18574 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18575 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18576 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.85pt\"></span></span><span class=\"ps11241\">(1)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18577 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18578 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.85pt\"></span></span><span class=\"ps11241\">(1)</span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2511 ss2166\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">New lending net of repayments (includes assets <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">written off)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18579 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.42pt\"></span></span><span class=\"ps17920\">227<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18580 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.44pt\"></span></span><span class=\"ps3529\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18581 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.05pt\"></span></span><span class=\"ps18544\">(92)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18582 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18583 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.02pt\"></span></span><span class=\"ps15396\">(60)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18585 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.62pt\"></span></span><span class=\"ps18584\">(6)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18587 ss2168\"><div><div class=\"ps469 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.35pt\"></span></span><span class=\"ps18586\">75<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18588 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.73pt\"></span></span><span class=\"ps10169\">(5)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2367 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Changes to risk parameters and models<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18589 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18590 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.62pt\"></span></span><span class=\"ps18584\">(2)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18591 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18592 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18593 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18594 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18595 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18596 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.62pt\"></span></span><span class=\"ps18584\">(2)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2368 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Foreign exchange and other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps18597 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18598 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18599 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18600 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18601 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18602 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18603 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18604 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2372 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-b7f6e8e5 ps7\">Lending collateralised by property at 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18605 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.69pt\"></span></span><span class=\"ps11639\">2\u00a0115<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18606 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.79pt\"></span></span><span class=\"ps10386\">(7)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18607 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.97pt\"></span></span><span class=\"ps17045\">129<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18608 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.58pt\"></span></span><span class=\"ps11124\">(1)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18610 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.73pt\"></span></span><span class=\"ps18609\">154<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18611 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.36pt\"></span></span><span class=\"ps10357\">(39)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18612 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.27pt\"></span></span><span class=\"ps15114\">2\u00a0398<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18614 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.71pt\"></span></span><span class=\"ps18613\">(47)</span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"><div class=\"ps2376 ss2169\"><div><div class=\"ps997 ss744\"><span class=\"f charStyle-b7f6e8e5 ps7\">HNW and other private client lending at 31 March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18615 ss1288\"><div><div class=\"ps997 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.56pt\"></span></span><span class=\"ps17125\">5\u00a0409<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18616 ss1288\"><div><div class=\"ps997 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.3pt\"></span></span><span class=\"ps9492\">(9)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18617 ss1288\"><div><div class=\"ps997 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.15pt\"></span></span><span class=\"ps17216\">222<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18618 ss1288\"><div><div class=\"ps997 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.58pt\"></span></span><span class=\"ps11124\">(1)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18619 ss1288\"><div><div class=\"ps997 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.86pt\"></span></span><span class=\"ps3514\">195<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18620 ss1288\"><div><div class=\"ps997 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.63pt\"></span></span><span class=\"ps15081\">(19)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18621 ss2170\"><div><div class=\"ps997 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.38pt\"></span></span><span class=\"ps13472\">5\u00a0826<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18622 ss1288\"><div><div class=\"ps997 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.58pt\"></span></span><span class=\"ps15124\">(29)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2532 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Transfer from Stage 1<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18623 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.56pt\"></span></span><span class=\"ps17646\">(104)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18624 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18625 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.34pt\"></span></span><span class=\"ps9496\">77<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18626 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18627 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.99pt\"></span></span><span class=\"ps12032\">27<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18628 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18629 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18630 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2384 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Transfer from Stage 2<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18631 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.98pt\"></span></span><span class=\"ps14958\">15<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18632 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18634 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.91pt\"></span></span><span class=\"ps18633\">(36)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18635 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18636 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.87pt\"></span></span><span class=\"ps586\">21<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14458 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18637 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18638 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2388 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Transfer from Stage 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18639 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18640 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18641 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.75pt\"></span></span><span class=\"ps10275\">25<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18642 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18643 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.16pt\"></span></span><span class=\"ps14275\">(25)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14465 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18644 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18645 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps8644 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">ECL remeasurement arising from transfer of stage<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18646 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18647 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18648 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18649 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18650 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18651 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.62pt\"></span></span><span class=\"ps18584\">(2)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18652 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18653 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.62pt\"></span></span><span class=\"ps18584\">(2)</span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps8645 ss2166\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">New lending net of repayments (includes assets <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">written off)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18654 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.92pt\"></span></span><span class=\"ps14427\">543<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18655 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.44pt\"></span></span><span class=\"ps3529\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18656 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.91pt\"></span></span><span class=\"ps3522\">(101)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18657 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18658 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.91pt\"></span></span><span class=\"ps18633\">(32)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18659 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.73pt\"></span></span><span class=\"ps10169\">(5)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18660 ss2168\"><div><div class=\"ps469 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.4pt\"></span></span><span class=\"ps13510\">410<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18661 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.5pt\"></span></span><span class=\"ps8426\">(4)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps13097 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Changes to risk parameters and models<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18662 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18663 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18664 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18665 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18666 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18667 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18668 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18669 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps13101 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Foreign exchange and other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps18670 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.21pt\"></span></span><span class=\"ps18557\">2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18671 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.44pt\"></span></span><span class=\"ps3529\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18672 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18673 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18674 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.21pt\"></span></span><span class=\"ps18557\">2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18675 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18676 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.34pt\"></span></span><span class=\"ps12222\">4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18677 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.44pt\"></span></span><span class=\"ps3529\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13106 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-b7f6e8e5 ps7\">HNW and other private client lending at 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18679 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.02pt\"></span></span><span class=\"ps18678\">5\u00a0865<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18680 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.79pt\"></span></span><span class=\"ps10386\">(7)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18681 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.23pt\"></span></span><span class=\"ps139\">187<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18682 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.58pt\"></span></span><span class=\"ps11124\">(1)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18684 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.74pt\"></span></span><span class=\"ps18683\">188<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18685 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.58pt\"></span></span><span class=\"ps15124\">(26)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18687 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.92pt\"></span></span><span class=\"ps18686\">6\u00a0240<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18688 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.23pt\"></span></span><span class=\"ps139\">(34)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2410 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-b7f6e8e5 ps7\">Corporate and other lending at 31 March 2025^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18690 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.41pt\"></span></span><span class=\"ps18689\">7\u00a0205<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18692 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.37pt\"></span></span><span class=\"ps18691\">(20)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18693 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.74pt\"></span></span><span class=\"ps18683\">861<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18694 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.07pt\"></span></span><span class=\"ps14277\">(27)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18695 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.49pt\"></span></span><span class=\"ps14686\">203<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18696 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.63pt\"></span></span><span class=\"ps15081\">(61)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18698 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.26pt\"></span></span><span class=\"ps18697\">8\u00a0269<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18700 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.47pt\"></span></span><span class=\"ps18699\">(108)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2414 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Transfer from Stage 1<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18702 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.45pt\"></span></span><span class=\"ps18701\">(539)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18703 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.21pt\"></span></span><span class=\"ps18557\">2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18704 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.15pt\"></span></span><span class=\"ps15760\">506<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18705 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.62pt\"></span></span><span class=\"ps18584\">(2)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18706 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.36pt\"></span></span><span class=\"ps4126\">33<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18707 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18708 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18709 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2418 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Transfer from Stage 2<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18711 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.76pt\"></span></span><span class=\"ps18710\">111<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18712 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.62pt\"></span></span><span class=\"ps18584\">(2)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18713 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.59pt\"></span></span><span class=\"ps12030\">(265)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18714 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.56pt\"></span></span><span class=\"ps11811\">7<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18715 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.29pt\"></span></span><span class=\"ps10290\">154<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18716 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.73pt\"></span></span><span class=\"ps10169\">(5)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18717 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18718 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2422 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Transfer from Stage 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18719 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18720 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18721 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.44pt\"></span></span><span class=\"ps3529\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18722 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18723 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.85pt\"></span></span><span class=\"ps11241\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18724 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18725 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18726 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps13121 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">ECL remeasurement arising from transfer of stage<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18727 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18728 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.21pt\"></span></span><span class=\"ps18557\">2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18729 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18730 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.61pt\"></span></span><span class=\"ps13238\">(8)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18731 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18732 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.93pt\"></span></span><span class=\"ps147\">(42)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18733 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18734 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.92pt\"></span></span><span class=\"ps17762\">(48)</span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9866 ss2166\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">New lending net of repayments (includes assets <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">written off)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18735 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.41pt\"></span></span><span class=\"ps11495\">574<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18736 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.48pt\"></span></span><span class=\"ps5099\">(3)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18738 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.17pt\"></span></span><span class=\"ps18737\">(157)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18740 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.09pt\"></span></span><span class=\"ps18739\">4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18742 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.7pt\"></span></span><span class=\"ps18741\">(154)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18743 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.5pt\"></span></span><span class=\"ps10072\">32<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18744 ss2168\"><div><div class=\"ps469 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.18pt\"></span></span><span class=\"ps13837\">263<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18745 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.36pt\"></span></span><span class=\"ps4126\">33<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps12817 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Changes to risk parameters and models<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18746 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18747 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.62pt\"></span></span><span class=\"ps18584\">(2)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18748 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18749 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18750 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18751 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.44pt\"></span></span><span class=\"ps3529\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18752 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18753 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.85pt\"></span></span><span class=\"ps11241\">(1)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps12821 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Foreign exchange and other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps18754 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.5pt\"></span></span><span class=\"ps10072\">23<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18755 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18756 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.09pt\"></span></span><span class=\"ps18739\">4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18757 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18758 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.32pt\"></span></span><span class=\"ps9255\">5<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18759 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.62pt\"></span></span><span class=\"ps18584\">(2)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18760 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.75pt\"></span></span><span class=\"ps2239\">32<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18761 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.62pt\"></span></span><span class=\"ps18584\">(2)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12825 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-b7f6e8e5 ps7\">Corporate and other lending at 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18762 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.64pt\"></span></span><span class=\"ps7308\">7\u00a0374<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18763 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.59pt\"></span></span><span class=\"ps144\">(23)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18764 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.37pt\"></span></span><span class=\"ps5428\">950<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18765 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.58pt\"></span></span><span class=\"ps15124\">(26)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18766 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.35pt\"></span></span><span class=\"ps10037\">240<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18767 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.33pt\"></span></span><span class=\"ps16028\">(77)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18768 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.02pt\"></span></span><span class=\"ps15112\">8\u00a0564<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18769 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.91pt\"></span></span><span class=\"ps158\">(126)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12321 ss2164\"><div><div class=\"ps815 ss744\"><span class=\"f charStyle-b7f6e8e5 ps7\">At 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps18771 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:2.23pt\"></span></span><span class=\"ps18770\">15\u00a0354<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps18772 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.85pt\"></span></span><span class=\"ps16766\">(37)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps18774 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.29pt\"></span></span><span class=\"ps18773\">1\u00a0266<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps18775 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.58pt\"></span></span><span class=\"ps15124\">(28)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps18777 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.81pt\"></span></span><span class=\"ps18776\">582<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps18778 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.78pt\"></span></span><span class=\"ps3749\">(142)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps18780 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.1pt\"></span></span><span class=\"ps18779\">17\u00a0202<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps18781 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.91pt\"></span></span><span class=\"ps13394\">(207)</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps18783 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^ <span style=\"display:inline-block;height:5.81pt;width:9.82pt\"></span></span></span><span class=\"f charStyle-207fba8f ps968\">Re-presented as detailed on page 167.</span></div></div><div><div class=\"ps181 ss8\"><div class=\"ss47 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:209.25pt\"></td><td style=\"padding:0;width:33.75pt\"></td><td style=\"padding:0;width:33.75pt\"></td><td style=\"padding:0;width:33.75pt\"></td><td style=\"padding:0;width:33.75pt\"></td><td style=\"padding:0;width:33.75pt\"></td><td style=\"padding:0;width:33.75pt\"></td><td style=\"padding:0;width:36pt\"></td><td style=\"padding:0;width:33.75pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps8750 ss2159\"><div><div class=\"ps809 ss1360\"><span class=\"f charStyle-a26246ce ps12488\">Stage 1<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18785 ss2159\"><div><div class=\"ps809 ss1360\"><span class=\"f charStyle-a26246ce ps18512\">Stage 2<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps3318 ss2159\"><div><div class=\"ps809 ss1360\"><span class=\"f charStyle-a26246ce ps9223\">Stage 3<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps12057 ss2160\"><div><div class=\"ps809 ss2109\"><span class=\"f charStyle-a26246ce ps18514\">Total<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss2171\"><div><div class=\"ps1400 ss1040\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18786 ss2162\"><div><div class=\"ps1404 ss1284\"><span class=\"f charStyle-8d4b9b37 ps8326\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss1284\"><span class=\"f charStyle-8d4b9b37 ps6429\">exposure<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18787 ss2162\"><div><div class=\"ps1400 ss1284\"><span class=\"f charStyle-6f1c08a8 ps18517\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18788 ss2162\"><div><div class=\"ps1404 ss1284\"><span class=\"f charStyle-8d4b9b37 ps8326\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss1284\"><span class=\"f charStyle-8d4b9b37 ps6429\">exposure<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18789 ss2162\"><div><div class=\"ps1400 ss1284\"><span class=\"f charStyle-6f1c08a8 ps18517\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18790 ss2162\"><div><div class=\"ps1404 ss1284\"><span class=\"f charStyle-8d4b9b37 ps8326\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss1284\"><span class=\"f charStyle-8d4b9b37 ps6429\">exposure<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18791 ss2162\"><div><div class=\"ps1400 ss1284\"><span class=\"f charStyle-6f1c08a8 ps18517\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12144 ss2163\"><div><div class=\"ps1404 ss310\"><span class=\"f charStyle-ef17fa27 ps10534\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss310\"><span class=\"f charStyle-ef17fa27 ps18522\">exposure</span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6718 ss2162\"><div><div class=\"ps1400 ss1284\"><span class=\"f charStyle-ef17fa27 ps14437\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps362 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-b7f6e8e5 ps7\">At 31 March 2024^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18793 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:3.38pt\"></span></span><span class=\"ps18792\">14\u00a0185<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18794 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.23pt\"></span></span><span class=\"ps139\">(43)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18796 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.19pt\"></span></span><span class=\"ps18795\">1\u00a0395<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18797 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.37pt\"></span></span><span class=\"ps18691\">(33)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18798 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.73pt\"></span></span><span class=\"ps18609\">541<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18800 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.96pt\"></span></span><span class=\"ps18799\">(116)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18802 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.15pt\"></span></span><span class=\"ps18801\">16\u00a0121<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.5pt solid #000;padding:0\"><div class=\"ps18803 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.91pt\"></span></span><span class=\"ps158\">(192)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2487 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-b7f6e8e5 ps7\">Lending collateralised by property at 31 March 2024^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18804 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.53pt\"></span></span><span class=\"ps3971\">2\u00a0155<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18806 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.42pt\"></span></span><span class=\"ps18805\">(10)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18807 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.74pt\"></span></span><span class=\"ps18683\">168<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18808 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.31pt\"></span></span><span class=\"ps9575\">(3)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18809 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.61pt\"></span></span><span class=\"ps7428\">148<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18810 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.36pt\"></span></span><span class=\"ps10357\">(39)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18812 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.9pt\"></span></span><span class=\"ps18811\">2\u00a0471<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18813 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.7pt\"></span></span><span class=\"ps7321\">(52)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2492 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Transfer from Stage 1<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18814 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.68pt\"></span></span><span class=\"ps8400\">(160)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18815 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.44pt\"></span></span><span class=\"ps3529\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18817 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.53pt\"></span></span><span class=\"ps18816\">147<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18818 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.85pt\"></span></span><span class=\"ps11241\">(1)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18819 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.73pt\"></span></span><span class=\"ps15793\">13<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18820 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18821 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18822 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps192 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Transfer from Stage 2<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18823 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.87pt\"></span></span><span class=\"ps586\">12<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18824 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18825 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.05pt\"></span></span><span class=\"ps18544\">(69)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18826 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.44pt\"></span></span><span class=\"ps3529\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18827 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.1pt\"></span></span><span class=\"ps110\">57<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18828 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.85pt\"></span></span><span class=\"ps11241\">(1)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18829 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18830 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2501 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Transfer from Stage 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18831 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18832 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18833 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18834 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18835 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18836 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18837 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18838 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2506 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">ECL remeasurement arising from transfer of stage<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18839 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18840 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18841 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18842 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18843 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18844 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18845 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18846 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2511 ss2173\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">New lending net of repayments (includes assets <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">written off)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18848 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.4pt\"></span></span><span class=\"ps18847\">(97)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18849 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.09pt\"></span></span><span class=\"ps18739\">4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18850 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.21pt\"></span></span><span class=\"ps18557\">2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18851 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18852 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.02pt\"></span></span><span class=\"ps15396\">(53)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18853 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.21pt\"></span></span><span class=\"ps18557\">9<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18854 ss2168\"><div><div class=\"ps469 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.83pt\"></span></span><span class=\"ps15341\">(148)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18855 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.73pt\"></span></span><span class=\"ps15793\">13<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2367 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Changes to risk parameters and models<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18856 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18857 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18858 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18859 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18860 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18861 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18862 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18863 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2368 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Foreign exchange and other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps18864 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18865 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18866 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18867 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18868 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18869 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2372 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-b7f6e8e5 ps7\">Lending collateralised by property at 31 March 2025^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18870 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.13pt\"></span></span><span class=\"ps2714\">1\u00a0910<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18871 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.42pt\"></span></span><span class=\"ps16431\">(5)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18872 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.56pt\"></span></span><span class=\"ps17646\">248<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18873 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.31pt\"></span></span><span class=\"ps9575\">(3)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18874 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.86pt\"></span></span><span class=\"ps3514\">165<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18875 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.64pt\"></span></span><span class=\"ps15995\">(31)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18876 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.51pt\"></span></span><span class=\"ps1496\">2\u00a0323<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18877 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.36pt\"></span></span><span class=\"ps10357\">(39)</span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"><div class=\"ps2376 ss2174\"><div><div class=\"ps997 ss1040\"><span class=\"f charStyle-b7f6e8e5 ps7\">HNW and other private client lending at 31 March 2024<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18879 ss1288\"><div><div class=\"ps997 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.14pt\"></span></span><span class=\"ps18878\">5\u00a0263<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18880 ss1288\"><div><div class=\"ps997 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.3pt\"></span></span><span class=\"ps9492\">(6)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18881 ss1288\"><div><div class=\"ps997 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.48pt\"></span></span><span class=\"ps5672\">260<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18882 ss1288\"><div><div class=\"ps997 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.58pt\"></span></span><span class=\"ps11124\">(1)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18883 ss1288\"><div><div class=\"ps997 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.02pt\"></span></span><span class=\"ps16833\">170<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18884 ss1288\"><div><div class=\"ps997 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.63pt\"></span></span><span class=\"ps15081\">(16)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18886 ss2170\"><div><div class=\"ps997 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.16pt\"></span></span><span class=\"ps18885\">5\u00a0693<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18887 ss1288\"><div><div class=\"ps997 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.59pt\"></span></span><span class=\"ps144\">(23)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2532 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Transfer from Stage 1<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18888 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.58pt\"></span></span><span class=\"ps13512\">(148)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18889 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18890 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.62pt\"></span></span><span class=\"ps11401\">88<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18891 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18892 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.61pt\"></span></span><span class=\"ps15456\">60<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18893 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18894 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18895 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2384 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Transfer from Stage 2<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18896 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.1pt\"></span></span><span class=\"ps110\">57<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18897 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18898 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.9pt\"></span></span><span class=\"ps16100\">(83)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18899 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18900 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.64pt\"></span></span><span class=\"ps12137\">26<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18901 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18902 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18903 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2388 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Transfer from Stage 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18904 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18905 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18906 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.87pt\"></span></span><span class=\"ps586\">19<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18907 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18908 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.28pt\"></span></span><span class=\"ps13559\">(19)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18909 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18910 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18911 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps8644 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">ECL remeasurement arising from transfer of stage<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18912 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18913 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18914 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18915 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18916 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18917 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.85pt\"></span></span><span class=\"ps11241\">(1)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18918 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18919 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.85pt\"></span></span><span class=\"ps11241\">(1)</span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps8645 ss2173\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">New lending net of repayments (includes assets <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">written off)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18921 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.93pt\"></span></span><span class=\"ps18920\">239<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18922 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.85pt\"></span></span><span class=\"ps11241\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18923 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.05pt\"></span></span><span class=\"ps18544\">(62)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18924 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18925 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.93pt\"></span></span><span class=\"ps147\">(42)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18926 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.62pt\"></span></span><span class=\"ps18584\">(2)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18927 ss2168\"><div><div class=\"ps469 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.52pt\"></span></span><span class=\"ps14223\">135<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18928 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.48pt\"></span></span><span class=\"ps5099\">(3)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps13097 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Changes to risk parameters and models<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18929 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18930 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.62pt\"></span></span><span class=\"ps18584\">(2)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18931 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18932 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18933 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18934 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18935 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18936 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.62pt\"></span></span><span class=\"ps18584\">(2)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps13101 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Foreign exchange and other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps18937 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.62pt\"></span></span><span class=\"ps18584\">(2)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18938 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18939 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18940 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18941 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18942 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18943 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.87pt\"></span></span><span class=\"ps13688\">(2)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18944 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13106 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-b7f6e8e5 ps7\">HNW and other private client lending at 31 March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18945 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.56pt\"></span></span><span class=\"ps17125\">5\u00a0409<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18946 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.3pt\"></span></span><span class=\"ps9492\">(9)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18947 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.15pt\"></span></span><span class=\"ps17216\">222<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18948 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.58pt\"></span></span><span class=\"ps11124\">(1)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18949 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.86pt\"></span></span><span class=\"ps3514\">195<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18950 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.63pt\"></span></span><span class=\"ps15081\">(19)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18951 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.38pt\"></span></span><span class=\"ps13472\">5\u00a0826<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18952 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.58pt\"></span></span><span class=\"ps15124\">(29)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2410 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-b7f6e8e5 ps7\">Corporate and other lending at 31 March 2024^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18954 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.76pt\"></span></span><span class=\"ps18953\">6\u00a0767<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18955 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.07pt\"></span></span><span class=\"ps14277\">(27)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18956 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.95pt\"></span></span><span class=\"ps16457\">967<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18957 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.58pt\"></span></span><span class=\"ps15124\">(29)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18959 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.93pt\"></span></span><span class=\"ps18958\">223<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18960 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.63pt\"></span></span><span class=\"ps15081\">(61)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18962 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.13pt\"></span></span><span class=\"ps18961\">7\u00a0957<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps18963 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.45pt\"></span></span><span class=\"ps10069\">(117)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2414 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Transfer from Stage 1<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18964 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.35pt\"></span></span><span class=\"ps14237\">(468)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18965 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.07pt\"></span></span><span class=\"ps12905\">3<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18967 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.04pt\"></span></span><span class=\"ps18966\">431<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18968 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.48pt\"></span></span><span class=\"ps5099\">(3)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18969 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.85pt\"></span></span><span class=\"ps11806\">37<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps18970 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18971 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps18972 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2418 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Transfer from Stage 2<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18973 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.42pt\"></span></span><span class=\"ps17920\">272<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18974 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.5pt\"></span></span><span class=\"ps8426\">(4)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18975 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.1pt\"></span></span><span class=\"ps14272\">(344)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18976 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.21pt\"></span></span><span class=\"ps18557\">9<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18977 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.99pt\"></span></span><span class=\"ps12032\">72<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18978 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.73pt\"></span></span><span class=\"ps10169\">(5)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18979 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18980 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2422 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Transfer from Stage 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18981 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.44pt\"></span></span><span class=\"ps3529\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18982 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18983 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.1pt\"></span></span><span class=\"ps13626\">11<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18984 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.85pt\"></span></span><span class=\"ps11241\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18985 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.28pt\"></span></span><span class=\"ps13559\">(12)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18986 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.44pt\"></span></span><span class=\"ps3529\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18987 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18988 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps13121 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">ECL remeasurement arising from transfer of stage<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18989 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18990 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.07pt\"></span></span><span class=\"ps12905\">3<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18991 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18992 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.62pt\"></span></span><span class=\"ps18584\">(9)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18993 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18994 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.14pt\"></span></span><span class=\"ps11498\">(13)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps18995 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps18996 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.28pt\"></span></span><span class=\"ps13559\">(19)</span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9866 ss2173\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">New lending net of repayments (includes assets <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">written off)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps18998 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.07pt\"></span></span><span class=\"ps18997\">666<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps18999 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.62pt\"></span></span><span class=\"ps18584\">(2)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19000 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.7pt\"></span></span><span class=\"ps18741\">(198)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19001 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.21pt\"></span></span><span class=\"ps18557\">2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19002 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.94pt\"></span></span><span class=\"ps3718\">(116)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19003 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.87pt\"></span></span><span class=\"ps586\">16<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19005 ss2168\"><div><div class=\"ps469 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.29pt\"></span></span><span class=\"ps19004\">352<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps19006 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.87pt\"></span></span><span class=\"ps586\">16<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps12817 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Changes to risk parameters and models<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps19007 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19008 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.56pt\"></span></span><span class=\"ps11811\">7<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19009 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19010 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.09pt\"></span></span><span class=\"ps18739\">4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19011 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19012 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19013 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-right:0.25pt solid #000;padding:0\"><div class=\"ps19014 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.1pt\"></span></span><span class=\"ps13626\">11<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps12821 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-2b0f4fe0 ps1864\">Foreign exchange and other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps19015 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.77pt\"></span></span><span class=\"ps14735\">(33)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19016 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19017 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.62pt\"></span></span><span class=\"ps18584\">(6)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19018 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19019 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.85pt\"></span></span><span class=\"ps11241\">(1)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19020 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.44pt\"></span></span><span class=\"ps3529\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19021 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.15pt\"></span></span><span class=\"ps2233\">(40)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps19022 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.44pt\"></span></span><span class=\"ps3529\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12825 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-b7f6e8e5 ps7\">Corporate and other lending at 31 March 2025^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19023 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.41pt\"></span></span><span class=\"ps18689\">7\u00a0205<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19024 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.37pt\"></span></span><span class=\"ps18691\">(20)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19025 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.74pt\"></span></span><span class=\"ps18683\">861<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19026 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.07pt\"></span></span><span class=\"ps14277\">(27)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19027 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.49pt\"></span></span><span class=\"ps14686\">203<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19028 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.63pt\"></span></span><span class=\"ps15081\">(61)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19029 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.26pt\"></span></span><span class=\"ps18697\">8\u00a0269<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19030 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.47pt\"></span></span><span class=\"ps18699\">(108)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps12321 ss2172\"><div><div class=\"ps815 ss1040\"><span class=\"f charStyle-b7f6e8e5 ps7\">At 31 March 2025^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps19031 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:2.2pt\"></span></span><span class=\"ps18525\">14\u00a0524<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps19032 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.23pt\"></span></span><span class=\"ps139\">(34)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps19033 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.36pt\"></span></span><span class=\"ps18528\">1\u00a0331<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps19034 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.64pt\"></span></span><span class=\"ps15995\">(31)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps19035 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.59pt\"></span></span><span class=\"ps18531\">563<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps19036 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.24pt\"></span></span><span class=\"ps16218\">(111)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps19037 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:5.51pt\"></span></span><span class=\"ps18534\">16\u00a0418<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps19038 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.17pt\"></span></span><span class=\"ps9212\">(176)</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps19039 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^ <span style=\"display:inline-block;height:5.81pt;width:9.82pt\"></span></span></span><span class=\"f charStyle-207fba8f ps968\">Re-presented as detailed on page 167.</span></div></div><div><div class=\"ps181 ss8\"><div class=\"ss2157 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:435pt\"></td></tr><tr style=\"height:15.75pt\"><td style=\"padding:0\"><span id=\"i45a8c081432f44fb823be476738fa94c_0-0-1-1-3222700\"></span><div class=\"ps19 ss2175\"><div><div class=\"ps2057 ss2157\"><span class=\"f charStyle-0e78c81e ps7\">An analysis of credit quality by internal rating grade<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps19042 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group uses a 25-grade internal rating scale which measures the risk of default to an exposure without taking into account any </span></div><div class=\"ps19043 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">credit mitigation, such as collateral. This internal rating scale allows the Group to measure credit risk consistently across portfolios. </span></div><div class=\"ps19044 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The internal rating scale is derived from a mapping to PDs and can also be mapped to external rating agency scales.</span></div><div class=\"ps19068 ss8\"><div class=\"ss1321 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:146.25pt\"></td><td style=\"padding:0;width:20.25pt\"></td><td style=\"padding:0;width:146.25pt\"></td><td style=\"padding:0;width:20.25pt\"></td><td style=\"padding:0;width:146.25pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#303849;padding:0\"><div class=\"ps19 ss2176\"><div><div class=\"ps19046 ss510\"><span class=\"f charStyle-f6bc79a8 ps19045\">PD range<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#303849;padding:0\"></td><td style=\"background-color:#303849;padding:0\"><div class=\"ps19048 ss2176\"><div><div class=\"ps19046 ss510\"><span class=\"f charStyle-f6bc79a8 ps19047\">Investec internal rating scale<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#303849;padding:0\"></td><td style=\"background-color:#303849;padding:0\"><div class=\"ps19049 ss2176\"><div><div class=\"ps19046 ss510\"><span class=\"f charStyle-f6bc79a8 ps13323\">Indicative external rating scale<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2724 ss2176\"><div><div class=\"ps997 ss510\"><span class=\"f charStyle-2b0f4fe0 ps19050\">less than 0.538% <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19052 ss2176\"><div><div class=\"ps997 ss510\"><span class=\"f charStyle-2b0f4fe0 ps19051\">IB01 \u2013 IB12<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19054 ss2176\"><div><div class=\"ps997 ss510\"><span class=\"f charStyle-2b0f4fe0 ps19053\">AAA to BBB- <span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps4066 ss2177\"><div><div class=\"ps815 ss510\"><span class=\"f charStyle-2b0f4fe0 ps19055\">0.538% \u2013 6.089%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps19057 ss2177\"><div><div class=\"ps815 ss510\"><span class=\"f charStyle-2b0f4fe0 ps19056\">IB13 \u2013 IB19<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;padding:0\"></td><td style=\"background-color:#fdfdfb;padding:0\"><div class=\"ps19059 ss2177\"><div><div class=\"ps815 ss510\"><span class=\"f charStyle-2b0f4fe0 ps19058\">BB+ to B-<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps6726 ss2177\"><div><div class=\"ps815 ss510\"><span class=\"f charStyle-2b0f4fe0 ps16681\">greater than 6.089%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19061 ss2177\"><div><div class=\"ps815 ss510\"><span class=\"f charStyle-2b0f4fe0 ps19060\">IB20 \u2013 IB25<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19063 ss2177\"><div><div class=\"ps815 ss510\"><span class=\"f charStyle-2b0f4fe0 ps19062\">B- and below<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#fdfdfb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19065 ss2177\"><div><div class=\"ps815 ss510\"><span class=\"f charStyle-2b0f4fe0 ps19064\">Stage 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#fdfdfb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#fdfdfb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19067 ss2177\"><div><div class=\"ps815 ss510\"><span class=\"f charStyle-2b0f4fe0 ps19066\">D<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps18506 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The internal credit rating distribution below is based on the 12-month PD at </span><span class=\"f charStyle-33e1c6d6 ps19069\">31 March 2026</span><span class=\"f charStyle-33e1c6d6 ps19070\"> for gross core loans subject to ECL <span class=\"f ps2\"> </span></span></div><div class=\"ps18510 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">by\u00a0stage. The staging classifications are not only driven by the absolute PD, but on factors that determine a significant increase <span class=\"f ps2\"> </span></span></div><div class=\"ps19071 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">in\u00a0credit risk, including relative movement in PD since origination. There is therefore no direct correlation between the credit quality <span class=\"f ps2\"> </span></span></div><div class=\"ps19072 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of an exposure and its stage classification as shown in the table below:<span class=\"f ps2\"> </span></span></div><div class=\"ps19102 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:199.5pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss2178\"><div><div class=\"ps809 ss277\"><span class=\"f charStyle-a26246ce ps7\">At 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11277 ss568\"><div><div class=\"ps3707 ss296\"><span class=\"f charStyle-8d4b9b37 ps11388\">IB01-IB12<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12364 ss568\"><div><div class=\"ps3707 ss296\"><span class=\"f charStyle-8d4b9b37 ps3442\">IB13-IB19<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12490 ss568\"><div><div class=\"ps3707 ss296\"><span class=\"f charStyle-8d4b9b37 ps19073\">IB20-IB25<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1671\"><div><div class=\"ps3707 ss114\"><span class=\"f charStyle-8d4b9b37 ps17529\">Stage 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1671\"><div><div class=\"ps3707 ss114\"><span class=\"f charStyle-a26246ce ps11290\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss2179\"><div><div class=\"ps11991 ss277\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3722 ss2180\"><div><div class=\"ps997 ss277\"><span class=\"f charStyle-b7f6e8e5 ps7\">Gross core loans subject to ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps19074 ss301\"><div><div class=\"ps997 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.17pt\"></span></span><span class=\"ps15552\">5\u00a0187<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps19076 ss301\"><div><div class=\"ps997 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.98pt\"></span></span><span class=\"ps19075\">10\u00a0600<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps19078 ss301\"><div><div class=\"ps997 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.98pt\"></span></span><span class=\"ps19077\">833<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps19080 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.31pt\"></span></span><span class=\"ps19079\">582<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-top:0.5pt solid #000;padding:0\"><div class=\"ps19081 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.35pt\"></span></span><span class=\"ps11516\">17\u00a0202<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3545 ss2178\"><div><div class=\"ps815 ss277\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 1<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19082 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.94pt\"></span></span><span class=\"ps10217\">5\u00a0080<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19083 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.48pt\"></span></span><span class=\"ps9942\">9\u00a0791<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19084 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.3pt\"></span></span><span class=\"ps15293\">483<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11993 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11994 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.52pt\"></span></span><span class=\"ps8339\">15\u00a0354<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps734 ss2178\"><div><div class=\"ps815 ss277\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 2<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19085 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.12pt\"></span></span><span class=\"ps846\">107<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19086 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.53pt\"></span></span><span class=\"ps11265\">809<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19087 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.51pt\"></span></span><span class=\"ps15316\">350<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11812 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11813 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.13pt\"></span></span><span class=\"ps12181\">1\u00a0266<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps335 ss2178\"><div><div class=\"ps815 ss277\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19088 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19089 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19090 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps15699 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.67pt\"></span></span><span class=\"ps11798\">582<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps15700 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.67pt\"></span></span><span class=\"ps11798\">582<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps3744 ss2178\"><div><div class=\"ps815 ss277\"><span class=\"f charStyle-b7f6e8e5 ps7\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11302 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.92pt\"></span></span><span class=\"ps19091\">(5)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11304 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.59pt\"></span></span><span class=\"ps19092\">(44)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11305 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.13pt\"></span></span><span class=\"ps12242\">(16)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps11306 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.28pt\"></span></span><span class=\"ps9194\">(142)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps11307 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.41pt\"></span></span><span class=\"ps8357\">(207)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1597 ss2178\"><div><div class=\"ps815 ss277\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 1<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11310 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43pt\"></span></span><span class=\"ps19093\">(4)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11312 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.64pt\"></span></span><span class=\"ps18406\">(31)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11313 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.12pt\"></span></span><span class=\"ps19094\">(2)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11314 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11315 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.76pt\"></span></span><span class=\"ps12371\">(37)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3751 ss2178\"><div><div class=\"ps815 ss277\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 2<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11318 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:44.35pt\"></span></span><span class=\"ps19095\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11320 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.64pt\"></span></span><span class=\"ps18406\">(13)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11322 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.66pt\"></span></span><span class=\"ps12702\">(14)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11323 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11324 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.54pt\"></span></span><span class=\"ps10297\">(28)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3757 ss2178\"><div><div class=\"ps815 ss277\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11327 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11329 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11330 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11331 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.09pt\"></span></span><span class=\"ps19096\">(142)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11332 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.09pt\"></span></span><span class=\"ps19096\">(142)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3763 ss2178\"><div><div class=\"ps815 ss277\"><span class=\"f charStyle-b7f6e8e5 ps7\">Coverage ratio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19097 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5 ps2185\">0.1%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19098 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5 ps18395\">0.4%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12743 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5 ps19099\">1.9%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19100 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5 ps3529\">24.4%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19101 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5 ps17550\">1.2%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps19134 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:199.5pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss2178\"><div><div class=\"ps809 ss277\"><span class=\"f charStyle-a26246ce ps7\">At 31 March 2025^<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11277 ss2181\"><div><div class=\"ps11070 ss296\"><span class=\"f charStyle-8d4b9b37 ps11388\">IB01-IB12<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12364 ss2181\"><div><div class=\"ps11070 ss296\"><span class=\"f charStyle-8d4b9b37 ps3442\">IB13-IB19<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12490 ss2181\"><div><div class=\"ps11070 ss296\"><span class=\"f charStyle-8d4b9b37 ps19073\">IB20-IB25<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-8d4b9b37 ps17529\">Stage 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss1663\"><div><div class=\"ps11070 ss114\"><span class=\"f charStyle-a26246ce ps11290\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss2182\"><div><div class=\"ps4014 ss277\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss2180\"><div><div class=\"ps997 ss277\"><span class=\"f charStyle-b7f6e8e5 ps7\">Gross core loans subject to ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps19103 ss301\"><div><div class=\"ps997 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.07pt\"></span></span><span class=\"ps12419\">7\u00a0102<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps19105 ss301\"><div><div class=\"ps997 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.79pt\"></span></span><span class=\"ps19104\">8\u00a0373<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps19106 ss301\"><div><div class=\"ps997 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.76pt\"></span></span><span class=\"ps16681\">380<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps12462 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.09pt\"></span></span><span class=\"ps19096\">563<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-top:0.5pt solid #000;padding:0\"><div class=\"ps12463 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.76pt\"></span></span><span class=\"ps7142\">16\u00a0418<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps824 ss2178\"><div><div class=\"ps815 ss277\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 1<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19107 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.25pt\"></span></span><span class=\"ps11925\">6\u00a0967<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19109 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.35pt\"></span></span><span class=\"ps19108\">7\u00a0528<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12496 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.14pt\"></span></span><span class=\"ps11422\">29<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps2818 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2819 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.43pt\"></span></span><span class=\"ps9205\">14\u00a0524<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps830 ss2178\"><div><div class=\"ps815 ss277\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 2<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19110 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.77pt\"></span></span><span class=\"ps14850\">135<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19112 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.55pt\"></span></span><span class=\"ps19111\">845<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17507 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.77pt\"></span></span><span class=\"ps14850\">351<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps2820 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2821 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.08pt\"></span></span><span class=\"ps16404\">1\u00a0331<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss2178\"><div><div class=\"ps815 ss277\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19113 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16748 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps17511 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps2823 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.54pt\"></span></span><span class=\"ps12182\">563<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2825 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.54pt\"></span></span><span class=\"ps12182\">563<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps843 ss2178\"><div><div class=\"ps815 ss277\"><span class=\"f charStyle-b7f6e8e5 ps7\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19114 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.92pt\"></span></span><span class=\"ps19091\">(5)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps16757 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.95pt\"></span></span><span class=\"ps19115\">(42)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps17516 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.13pt\"></span></span><span class=\"ps12242\">(18)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps2827 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.74pt\"></span></span><span class=\"ps19116\">(111)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps2829 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.67pt\"></span></span><span class=\"ps19117\">(176)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps849 ss2178\"><div><div class=\"ps815 ss277\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 1<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19119 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.23pt\"></span></span><span class=\"ps19118\">(5)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps9995 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.54pt\"></span></span><span class=\"ps18404\">(28)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19120 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:44.35pt\"></span></span><span class=\"ps19095\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps2830 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2831 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.29pt\"></span></span><span class=\"ps15312\">(34)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps853 ss2178\"><div><div class=\"ps815 ss277\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 2<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19121 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19122 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.66pt\"></span></span><span class=\"ps12702\">(14)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19123 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.13pt\"></span></span><span class=\"ps9394\">(17)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11957 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.78pt\"></span></span><span class=\"ps9468\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11894 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.64pt\"></span></span><span class=\"ps4242\">(31)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps858 ss2178\"><div><div class=\"ps815 ss277\"><span class=\"f charStyle-2b0f4fe0 ps7\">Stage 3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19124 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19125 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19126 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11961 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.67pt\"></span></span><span class=\"ps19127\">(111)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11900 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.67pt\"></span></span><span class=\"ps19127\">(111)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps863 ss2178\"><div><div class=\"ps815 ss277\"><span class=\"f charStyle-b7f6e8e5 ps7\">Coverage ratio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19128 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5 ps2185\">0.1%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19130 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5 ps19129\">0.5%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19132 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5 ps19131\">4.7%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11963 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5 ps19133\">19.7%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11964 ss650\"><div><div class=\"ps815 ss114\"><span class=\"f charStyle-b7f6e8e5 ps11445\">1.1%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps19135 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For all other financial instruments including other financial assets (which include exposures to highly rated international banks and </span></div><div class=\"ps19136 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">corporate bonds) subject to credit risk, the Group applies credit ratings in line with its credit policies. Assessment and suitability of </span></div><div class=\"ps19137 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the rating is vetted by the applicable credit authority and monitored as part of the overall credit management process. Where new </span></div><div class=\"ps19138 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">information that may affect the risk profile becomes available, this is considered and ratings may be adjusted accordingly.</span></div><div class=\"ps19139 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span></span><span class=\"f charStyle-207fba8f ps968\">Re-presented as detailed on page 167.</span></div></div><div><div class=\"ps4165 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">An analysis of core loans by risk category \u2013 </span></div><div class=\"ps4504 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Lending collateralised by property</span></div><div class=\"ps4956 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Client quality and expertise are at the core of our credit </span></div><div class=\"ps19141 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">philosophy. We provide senior debt and other funding for </span></div><div class=\"ps19142 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">property transactions, with a preference for income-producing </span></div><div class=\"ps19143 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">assets, supported by an experienced sponsor providing a </span></div><div class=\"ps19144 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">material level of cash equity investment into the asset and </span></div><div class=\"ps19145 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">limited direct exposure to sectors more vulnerable to\u00a0cyclicality. </span></div><div class=\"ps19146 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Our exposure to the property market is well diversified with </span></div><div class=\"ps19147 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">strong bias towards prime locations for residential exposure and </span></div><div class=\"ps19148 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">focus on property fundamentals, tenant quality and income </span></div><div class=\"ps19149 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">diversity for commercial assets. Debt service cover ratios are a </span></div><div class=\"ps19150 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">key consideration in the lending process supported by </span></div><div class=\"ps19151 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reasonable loan-to-security value ratios.</span></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps74\">Year in review</span></div><div class=\"ps10770 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">L</span><span class=\"f charStyle-33e1c6d6 ps19152\">ending collateralised by property totalled</span><span class=\"f charStyle-33e1c6d6 ps19153\"> \u00a3</span><span class=\"f charStyle-33e1c6d6 ps19154\">2.5</span><span class=\"f charStyle-33e1c6d6 ps19155\"> billion or </span><span class=\"f charStyle-33e1c6d6 ps19156\">13.9%</span><span class=\"f charStyle-33e1c6d6 ps19157\"> <span class=\"f ps2\"> </span></span></div><div class=\"ps10771 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">of net core loans at </span><span class=\"f charStyle-33e1c6d6 ps19158\">31 March 2026</span><span class=\"f charStyle-33e1c6d6 ps19159\">, which remains in line with </span></div><div class=\"ps19160 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">the Group\u2019s risk appetite to maintain a reduced proportion of net </span></div><div class=\"ps19161 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">core loan exposures in property-related lending. New lending is </span></div><div class=\"ps19162 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">diversified by underlying asset classes at conservative LTVs. <span class=\"f ps2\"> </span></span></div><div class=\"ps19163 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Weighted average LTV* on lending collateralised by property </span></div><div class=\"ps19164 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">remains conservative at 58%. Development exposures are </span></div><div class=\"ps10776 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">typically undertaken at lower LTVs. These LTVs do not take into </span></div><div class=\"ps19165 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">account guarantees provided by borrowers which provide </span></div><div class=\"ps19166 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">additional security to our lending and would reduce LTV metrics </span></div><div class=\"ps19167 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">further. Property collateralised assets are almost entirely </span></div><div class=\"ps19168 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">located in the UK. </span></div><div class=\"ps19169 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Underwriting criteria remains conservative and we are </span></div><div class=\"ps19170 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">committed to following a client-centric approach to lending, </span></div><div class=\"ps19171 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">supporting counterparties with strong balance sheets and </span></div><div class=\"ps19173 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">requisite expertise.</span><span class=\"f charStyle-33e1c6d6 ps19172\"> </span></div><div class=\"ps19426 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:113.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:33.75pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:33.75pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:33.75pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:36pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"10\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps19176 ss2184\"><div><div class=\"ps8325 ss2183\"><span class=\"f charStyle-a26246ce ps19174\">Gross core loans at<span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss2183\"><span class=\"f charStyle-a26246ce ps19175\">amortised cost and FVOCI<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps19179 ss35\"><div><div class=\"ps8329 ss25\"><span class=\"f charStyle-a26246ce ps17285\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps8331 ss25\"><span class=\"f charStyle-a26246ce ps19177\">core<span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss25\"><span class=\"f charStyle-a26246ce ps19178\">loans at<span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss25\"><span class=\"f charStyle-a26246ce ps14534\">FVPL<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps19180 ss35\"><div><div class=\"ps8331 ss25\"><span class=\"f charStyle-a26246ce ps17285\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss25\"><span class=\"f charStyle-a26246ce ps19177\">core<span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss25\"><span class=\"f charStyle-a26246ce ps17671\">loans<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19181 ss2185\"><div><div class=\"ps14732 ss918\"><span class=\"f charStyle-a26246ce ps9583\">Stage 1<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19183 ss2185\"><div><div class=\"ps14732 ss918\"><span class=\"f charStyle-a26246ce ps19182\">Stage 2<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19184 ss2185\"><div><div class=\"ps14732 ss918\"><span class=\"f charStyle-a26246ce ps15598\">Stage 3<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19186 ss2185\"><div><div class=\"ps14732 ss918\"><span class=\"f charStyle-a26246ce ps19185\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps830 ss379\"><div><div class=\"ps1400 ss350\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19188 ss2186\"><div><div class=\"ps1404 ss25\"><span class=\"f charStyle-8d4b9b37 ps14587\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss25\"><span class=\"f charStyle-8d4b9b37 ps19187\">exposure<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19189 ss2186\"><div><div class=\"ps1400 ss25\"><span class=\"f charStyle-8d4b9b37 ps13751\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19190 ss2186\"><div><div class=\"ps1404 ss25\"><span class=\"f charStyle-8d4b9b37 ps14587\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss25\"><span class=\"f charStyle-8d4b9b37 ps19187\">exposure<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19191 ss2186\"><div><div class=\"ps1400 ss25\"><span class=\"f charStyle-8d4b9b37 ps13751\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19192 ss2186\"><div><div class=\"ps1404 ss25\"><span class=\"f charStyle-8d4b9b37 ps14587\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss25\"><span class=\"f charStyle-8d4b9b37 ps19187\">exposure<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19193 ss2162\"><div><div class=\"ps1400 ss1284\"><span class=\"f charStyle-8d4b9b37 ps18517\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19196 ss2186\"><div><div class=\"ps1404 ss25\"><span class=\"f charStyle-a26246ce ps19194\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss25\"><span class=\"f charStyle-a26246ce ps19195\"> exposure<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19197 ss2162\"><div><div class=\"ps1400 ss1284\"><span class=\"f charStyle-a26246ce ps14437\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps192 ss2187\"><div><div class=\"ps815 ss350\"><span class=\"f charStyle-b7f6e8e5 ps7\">At 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2501 ss2187\"><div><div class=\"ps815 ss350\"><span class=\"f charStyle-b7f6e8e5 ps7\">Commercial real estate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19198 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.05pt\"></span></span><span class=\"ps17133\">1\u00a0458<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19199 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.42pt\"></span></span><span class=\"ps9257\">(5)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19200 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.3pt\"></span></span><span class=\"ps9492\">111<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19201 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.58pt\"></span></span><span class=\"ps13517\">(1)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19202 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.42pt\"></span></span><span class=\"ps11623\">83<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19203 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.63pt\"></span></span><span class=\"ps15081\">(18)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19205 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.41pt\"></span></span><span class=\"ps19204\">1\u00a0652<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19206 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.45pt\"></span></span><span class=\"ps15083\">(24)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19208 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.9pt\"></span></span><span class=\"ps19207\">78<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19209 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.35pt\"></span></span><span class=\"ps15118\">1\u00a0730<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps2506 ss2189\"><div><div class=\"ps815 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">Commercial real estate \u2013 <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">investment<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19210 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.85pt\"></span></span><span class=\"ps9416\">1\u00a0154<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19211 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.5pt\"></span></span><span class=\"ps11829\">(4)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19213 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.63pt\"></span></span><span class=\"ps19212\">98<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19215 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.85pt\"></span></span><span class=\"ps19214\">(1)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19216 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.85pt\"></span></span><span class=\"ps11241\">73<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19217 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.28pt\"></span></span><span class=\"ps13559\">(16)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19219 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.6pt\"></span></span><span class=\"ps19218\">1\u00a0325<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19220 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.28pt\"></span></span><span class=\"ps13559\">(21)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19221 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.99pt\"></span></span><span class=\"ps8476\">76<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19223 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.71pt\"></span></span><span class=\"ps19222\">1\u00a0401<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps45 ss2189\"><div><div class=\"ps815 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">Commercial real estate \u2013 <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">development<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps19224 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.93pt\"></span></span><span class=\"ps4345\">293<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19225 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.85pt\"></span></span><span class=\"ps19214\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19226 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19227 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19229 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.84pt\"></span></span><span class=\"ps19228\">10<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19230 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.62pt\"></span></span><span class=\"ps18584\">(2)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19231 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.76pt\"></span></span><span class=\"ps15028\">303<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19232 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.48pt\"></span></span><span class=\"ps5099\">(3)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps19233 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.21pt\"></span></span><span class=\"ps15754\">2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19235 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.01pt\"></span></span><span class=\"ps19234\">305<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9241 ss2189\"><div><div class=\"ps815 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">Commercial vacant land <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">and planning<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps19236 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.1pt\"></span></span><span class=\"ps12152\">11<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19237 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19238 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.73pt\"></span></span><span class=\"ps9685\">13<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19239 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19240 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19241 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19242 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.52pt\"></span></span><span class=\"ps11546\">24<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19243 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19244 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19245 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.52pt\"></span></span><span class=\"ps13299\">24<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12562 ss2187\"><div><div class=\"ps815 ss350\"><span class=\"f charStyle-b7f6e8e5 ps7\">Residential real estate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19247 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.07pt\"></span></span><span class=\"ps19246\">657<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19248 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.53pt\"></span></span><span class=\"ps11833\">(2)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19250 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.69pt\"></span></span><span class=\"ps19249\">18<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19252 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.81pt\"></span></span><span class=\"ps19251\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19253 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.18pt\"></span></span><span class=\"ps11704\">71<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19254 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.86pt\"></span></span><span class=\"ps10367\">(21)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19256 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.82pt\"></span></span><span class=\"ps19255\">746<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19257 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.59pt\"></span></span><span class=\"ps144\">(23)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19259 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.54pt\"></span></span><span class=\"ps19258\">53<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19260 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.95pt\"></span></span><span class=\"ps16457\">799<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps3669 ss2189\"><div><div class=\"ps815 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">Residential real estate \u2013 <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">investment<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19261 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.92pt\"></span></span><span class=\"ps14429\">420<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19262 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.85pt\"></span></span><span class=\"ps19214\">(1)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19263 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19264 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19265 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.73pt\"></span></span><span class=\"ps9685\">31<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19266 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.5pt\"></span></span><span class=\"ps8426\">(4)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19268 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.29pt\"></span></span><span class=\"ps19267\">451<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19269 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.73pt\"></span></span><span class=\"ps10169\">(5)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19271 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.61pt\"></span></span><span class=\"ps19270\">53<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19272 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.03pt\"></span></span><span class=\"ps13520\">504<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps4319 ss2189\"><div><div class=\"ps815 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">Residential real estate \u2013 <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">development<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps19274 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.95pt\"></span></span><span class=\"ps19273\">224<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19275 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.85pt\"></span></span><span class=\"ps19214\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19277 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.86pt\"></span></span><span class=\"ps19276\">18<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19278 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19279 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.98pt\"></span></span><span class=\"ps8471\">15<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19280 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.85pt\"></span></span><span class=\"ps11241\">(1)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19281 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.53pt\"></span></span><span class=\"ps3237\">257<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19282 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.62pt\"></span></span><span class=\"ps18584\">(2)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps19283 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19284 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.53pt\"></span></span><span class=\"ps10562\">257<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps19285 ss2189\"><div><div class=\"ps815 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">Residential vacant land <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">and planning<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps19286 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.73pt\"></span></span><span class=\"ps9685\">13<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19287 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19288 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19289 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19290 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.75pt\"></span></span><span class=\"ps11653\">25<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19291 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.28pt\"></span></span><span class=\"ps13559\">(16)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19292 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.49pt\"></span></span><span class=\"ps14087\">38<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19293 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.28pt\"></span></span><span class=\"ps13559\">(16)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19294 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19295 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.49pt\"></span></span><span class=\"ps15558\">38<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9274 ss2189\"><div><div class=\"ps815 ss350\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total lending collateralised <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss350\"><span class=\"f charStyle-b7f6e8e5 ps7\">by property<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19296 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.69pt\"></span></span><span class=\"ps10372\">2\u00a0115<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19297 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.79pt\"></span></span><span class=\"ps15154\">(7)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19298 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.97pt\"></span></span><span class=\"ps3510\">129<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19299 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.58pt\"></span></span><span class=\"ps13517\">(1)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19300 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.73pt\"></span></span><span class=\"ps14952\">154<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19301 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.36pt\"></span></span><span class=\"ps10357\">(39)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19303 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.02pt\"></span></span><span class=\"ps19302\">2\u00a0398<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19304 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.71pt\"></span></span><span class=\"ps18613\">(47)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19306 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.03pt\"></span></span><span class=\"ps19305\">131<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19307 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.36pt\"></span></span><span class=\"ps17186\">2\u00a0529<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9712 ss2187\"><div><div class=\"ps815 ss350\"><span class=\"f charStyle-b7f6e8e5 ps7\">Coverage ratio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps19309 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5 ps19308\">0.33%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps19310 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5 ps6586\">0.8%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps19311 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5 ps13592\">25.3%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19312 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5 ps8028\">2.0%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4715 ss2187\"><div><div class=\"ps815 ss350\"><span class=\"f charStyle-b7f6e8e5 ps7\">At 31 March 2025^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9720 ss2187\"><div><div class=\"ps815 ss350\"><span class=\"f charStyle-b7f6e8e5 ps7\">Commercial real estate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19313 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.69pt\"></span></span><span class=\"ps10372\">1\u00a0251<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19314 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.17pt\"></span></span><span class=\"ps12229\">(4)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19315 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.97pt\"></span></span><span class=\"ps3510\">219<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19316 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.31pt\"></span></span><span class=\"ps9242\">(3)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19317 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.91pt\"></span></span><span class=\"ps9536\">73<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19318 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.3pt\"></span></span><span class=\"ps9492\">(9)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19320 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.06pt\"></span></span><span class=\"ps19319\">1\u00a0543<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19321 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.63pt\"></span></span><span class=\"ps15081\">(16)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19322 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.4pt\"></span></span><span class=\"ps14693\">45<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19324 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:7.18pt\"></span></span><span class=\"ps19323\">1\u00a0588<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9725 ss2189\"><div><div class=\"ps815 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">Commercial real estate \u2013 <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">investment<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19326 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.34pt\"></span></span><span class=\"ps19325\">1\u00a0043<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19327 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.5pt\"></span></span><span class=\"ps11829\">(4)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19328 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.41pt\"></span></span><span class=\"ps14967\">125<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19329 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.62pt\"></span></span><span class=\"ps9325\">(2)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19330 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.85pt\"></span></span><span class=\"ps11241\">73<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19331 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.62pt\"></span></span><span class=\"ps18584\">(9)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19333 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.74pt\"></span></span><span class=\"ps19332\">1\u00a0241<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19334 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.39pt\"></span></span><span class=\"ps14692\">(15)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19336 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.38pt\"></span></span><span class=\"ps19335\">34<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19338 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.09pt\"></span></span><span class=\"ps19337\">1\u00a0275<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps11254 ss2189\"><div><div class=\"ps815 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">Commercial real estate \u2013 <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">development<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps19339 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.39pt\"></span></span><span class=\"ps14692\">207<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19340 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19341 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.62pt\"></span></span><span class=\"ps13622\">88<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19342 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.85pt\"></span></span><span class=\"ps19214\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19343 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19344 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19345 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.18pt\"></span></span><span class=\"ps2227\">295<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19346 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.85pt\"></span></span><span class=\"ps11241\">(1)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps19347 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.1pt\"></span></span><span class=\"ps12152\">11<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19348 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.9pt\"></span></span><span class=\"ps12873\">306<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps12304 ss2189\"><div><div class=\"ps815 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">Commercial vacant land <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">and planning<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps19350 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.44pt\"></span></span><span class=\"ps19349\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19351 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19352 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.21pt\"></span></span><span class=\"ps15754\">6<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19353 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19354 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19355 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19356 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.56pt\"></span></span><span class=\"ps11130\">7<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19357 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19358 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19359 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.56pt\"></span></span><span class=\"ps11811\">7<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1094 ss2187\"><div><div class=\"ps815 ss350\"><span class=\"f charStyle-b7f6e8e5 ps7\">Residential real estate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19361 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.58pt\"></span></span><span class=\"ps19360\">659<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19362 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.58pt\"></span></span><span class=\"ps13517\">(1)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19364 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.64pt\"></span></span><span class=\"ps19363\">29<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19365 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.81pt\"></span></span><span class=\"ps19251\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19366 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.64pt\"></span></span><span class=\"ps19363\">92<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19367 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.81pt\"></span></span><span class=\"ps15129\">(22)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19368 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.74pt\"></span></span><span class=\"ps17668\">780<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19369 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.59pt\"></span></span><span class=\"ps144\">(23)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19370 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.48pt\"></span></span><span class=\"ps10551\">5<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19372 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.07pt\"></span></span><span class=\"ps19371\">785<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps1099 ss2189\"><div><div class=\"ps815 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">Residential real estate \u2013 <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">investment<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19373 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.15pt\"></span></span><span class=\"ps2233\">381<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19374 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.85pt\"></span></span><span class=\"ps19214\">(1)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19375 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.73pt\"></span></span><span class=\"ps9685\">13<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19376 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19377 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.52pt\"></span></span><span class=\"ps11546\">46<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19378 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.48pt\"></span></span><span class=\"ps5099\">(3)</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19379 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.8pt\"></span></span><span class=\"ps14846\">440<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19380 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.5pt\"></span></span><span class=\"ps8426\">(4)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19381 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.32pt\"></span></span><span class=\"ps11174\">5<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps19382 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.94pt\"></span></span><span class=\"ps3718\">445<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps19383 ss2189\"><div><div class=\"ps815 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">Residential real estate \u2013 <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">development<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;padding:0\"><div class=\"ps19384 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.95pt\"></span></span><span class=\"ps19273\">264<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19385 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19386 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.2pt\"></span></span><span class=\"ps16584\">8<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19387 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19388 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.86pt\"></span></span><span class=\"ps19276\">18<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19389 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.62pt\"></span></span><span class=\"ps18584\">(2)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19390 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.04pt\"></span></span><span class=\"ps9293\">290<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19391 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.62pt\"></span></span><span class=\"ps18584\">(2)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps19392 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19393 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.04pt\"></span></span><span class=\"ps11708\">290<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps19394 ss2189\"><div><div class=\"ps815 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">Residential vacant land <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss350\"><span class=\"f charStyle-2b0f4fe0 ps7\">and planning<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps19395 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.75pt\"></span></span><span class=\"ps11817\">14<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19396 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19397 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.2pt\"></span></span><span class=\"ps16584\">8<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19398 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19399 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.63pt\"></span></span><span class=\"ps19212\">28<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19400 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.63pt\"></span></span><span class=\"ps16109\">(17)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19401 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.72pt\"></span></span><span class=\"ps8474\">50<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19402 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.63pt\"></span></span><span class=\"ps16109\">(17)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19403 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19405 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.72pt\"></span></span><span class=\"ps19404\">50<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19406 ss2189\"><div><div class=\"ps815 ss350\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total lending collateralised <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss350\"><span class=\"f charStyle-b7f6e8e5 ps7\">by property<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19408 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.13pt\"></span></span><span class=\"ps19407\">1\u00a0910<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19409 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.42pt\"></span></span><span class=\"ps9257\">(5)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19411 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.56pt\"></span></span><span class=\"ps19410\">248<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19412 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.31pt\"></span></span><span class=\"ps9242\">(3)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19413 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.86pt\"></span></span><span class=\"ps4332\">165<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19414 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.64pt\"></span></span><span class=\"ps15995\">(31)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19415 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.26pt\"></span></span><span class=\"ps17934\">2\u00a0323<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19416 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.36pt\"></span></span><span class=\"ps10357\">(39)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19417 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.32pt\"></span></span><span class=\"ps14788\">50<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19419 ss2167\"><div><div class=\"ps469 ss1284\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.52pt\"></span></span><span class=\"ps19418\">2\u00a0373<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19420 ss2187\"><div><div class=\"ps815 ss350\"><span class=\"f charStyle-b7f6e8e5 ps7\">Coverage ratio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19421 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5 ps16831\">0.26%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19422 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5 ps12096\">1.2%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19424 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5 ps19423\">18.8%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19425 ss1285\"><div><div class=\"ps815 ss1284\"><span class=\"f charStyle-b7f6e8e5 ps10372\">1.7%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps19427 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">* <span style=\"display:inline-block;height:5.81pt;width:9.49pt\"></span></span><span class=\"ps968\">Excludes a small portion of Legacy exposures that are predominantly reported in Stage 3.</span></span></div><div class=\"ps19428 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span></span><span class=\"f charStyle-207fba8f ps968\">Re-presented as detailed on page 167.</span></div></div><div><div class=\"ps4165 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">An analysis of core loans by risk category \u2013 High </span></div><div class=\"ps4504 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">net worth and other private client lending</span></div><div class=\"ps4956 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Our Private Banking activities target high net worth individuals, </span></div><div class=\"ps19141 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">active wealth creators, high-income professionals, self-</span></div><div class=\"ps19142 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">employed entrepreneurs, owner managers in small to mid-cap </span></div><div class=\"ps19143 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">corporates and sophisticated investors.</span></div><div class=\"ps19430 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Lending products are tailored to meet the requirements of our </span></div><div class=\"ps19431 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">clients and deliver solutions to enable target clients to create </span></div><div class=\"ps19432 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and manage their wealth. Central to our credit philosophy is </span></div><div class=\"ps19433 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">ensuring the sustainability of cash flow and income throughout </span></div><div class=\"ps19434 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the cycle. As such, the client base has been defined to include </span></div><div class=\"ps19435 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">high net worth clients (who, through diversification of income </span></div><div class=\"ps19436 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">streams, should reduce income volatility) and individuals in </span></div><div class=\"ps19437 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">defined professions which have historically supported a </span></div><div class=\"ps10637 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sustainable income base, irrespective of the stage in the </span></div><div class=\"ps10638 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">economic cycle.</span></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Credit risk arises from the following activities:</span></div><div class=\"ps7744 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps663\">Mortgages: provides residential mortgage loan facilities to </span></div><div class=\"ps7745 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">target market clients</span></div><div class=\"ps3313 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps663\">Other high net worth lending: </span><span class=\"f charStyle-33e1c6d6 ps19438\">provides credit facilities to high </span></div><div class=\"ps6370 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">net worth individuals and their controlled entities as well as </span></div><div class=\"ps80 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">portfolio loans to high net worth clients against their </span></div><div class=\"ps707 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">investment portfolios typically managed by Rathbones.</span></div><div class=\"ps6372 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps74\">Year in review</span></div><div class=\"ps19440 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">H</span><span class=\"f charStyle-33e1c6d6 ps19439\">igh net worth and other private client lending totalled </span></div><div class=\"ps19447 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">\u00a3</span><span class=\"f charStyle-33e1c6d6 ps19441\">6.2</span><span class=\"f charStyle-33e1c6d6 ps19442\">\u00a0billion or </span><span class=\"f charStyle-33e1c6d6 ps19443\">35.0%</span><span class=\"f charStyle-33e1c6d6 ps19444\"> of net core loans at </span><span class=\"f charStyle-33e1c6d6 ps19445\">31 March 2026</span><span class=\"f charStyle-33e1c6d6 ps19446\">.</span></div><div class=\"ps19168 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">There was growth in mortgages of </span><span class=\"f charStyle-33e1c6d6 ps19448\">10.3%</span><span class=\"f charStyle-33e1c6d6 ps19449\"> in\u00a0the year to </span></div><div class=\"ps19450 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">31\u00a0March\u00a02026.</span></div><div class=\"ps19170 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Growth in this area has been achieved with strong adherence to </span></div><div class=\"ps19171 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">our lending criteria. Weighted average LTVs on mortgages is </span></div><div class=\"ps19173 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">65%.</span></div><div class=\"ps19426 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:90.75pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:36pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:36pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:39pt\"></td><td style=\"padding:0;width:36pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:36pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"10\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps19453 ss2191\"><div><div class=\"ps8325 ss1712\"><span class=\"f charStyle-a26246ce ps19451\">Gross core loans at<span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss1712\"><span class=\"f charStyle-a26246ce ps19452\">amortised cost and FVOCI<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps19456 ss2193\"><div><div class=\"ps8329 ss2192\"><span class=\"f charStyle-a26246ce ps19454\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps8331 ss2192\"><span class=\"f charStyle-a26246ce ps19222\">core<span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss2192\"><span class=\"f charStyle-a26246ce ps10556\">loans at<span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss2192\"><span class=\"f charStyle-a26246ce ps19455\">FVPL<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps19458 ss2193\"><div><div class=\"ps8331 ss2192\"><span class=\"f charStyle-a26246ce ps19454\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss2192\"><span class=\"f charStyle-a26246ce ps19222\">core<span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss2192\"><span class=\"f charStyle-a26246ce ps19457\">loans<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19459 ss1484\"><div><div class=\"ps809 ss1256\"><span class=\"f charStyle-a26246ce ps14117\">Stage 1<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps12596 ss1484\"><div><div class=\"ps809 ss1256\"><span class=\"f charStyle-a26246ce ps19460\">Stage 2<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19462 ss1484\"><div><div class=\"ps809 ss1256\"><span class=\"f charStyle-a26246ce ps19461\">Stage 3<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19463 ss1484\"><div><div class=\"ps809 ss1256\"><span class=\"f charStyle-a26246ce ps13914\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:32.25pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps830 ss2194\"><div><div class=\"ps3317 ss174\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19465 ss2195\"><div><div class=\"ps3320 ss2192\"><span class=\"f charStyle-8d4b9b37 ps11405\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps3317 ss2192\"><span class=\"f charStyle-8d4b9b37 ps19464\">exposure<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19466 ss2195\"><div><div class=\"ps3317 ss2192\"><span class=\"f charStyle-8d4b9b37 ps15997\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19467 ss2195\"><div><div class=\"ps3320 ss2192\"><span class=\"f charStyle-8d4b9b37 ps11405\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps3317 ss2192\"><span class=\"f charStyle-8d4b9b37 ps19464\">exposure<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19468 ss2195\"><div><div class=\"ps3317 ss2192\"><span class=\"f charStyle-8d4b9b37 ps15997\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19469 ss2195\"><div><div class=\"ps3320 ss2192\"><span class=\"f charStyle-8d4b9b37 ps11405\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps3317 ss2192\"><span class=\"f charStyle-8d4b9b37 ps19464\">exposure<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19470 ss523\"><div><div class=\"ps3317 ss310\"><span class=\"f charStyle-8d4b9b37 ps11595\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19473 ss2195\"><div><div class=\"ps3320 ss2192\"><span class=\"f charStyle-a26246ce ps19471\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps3317 ss2192\"><span class=\"f charStyle-a26246ce ps19472\">exposure<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps13740 ss523\"><div><div class=\"ps3317 ss310\"><span class=\"f charStyle-a26246ce ps19474\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps2501 ss2196\"><div><div class=\"ps997 ss174\"><span class=\"f charStyle-b7f6e8e5 ps7\">At 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3472 ss2197\"><div><div class=\"ps815 ss174\"><span class=\"f charStyle-2b0f4fe0 ps7\">Mortgages<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19475 ss2198\"><div><div class=\"ps815 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.85pt\"></span></span><span class=\"ps9416\">5\u00a0374<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19476 ss2198\"><div><div class=\"ps815 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.87pt\"></span></span><span class=\"ps13328\">(6)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12602 ss2198\"><div><div class=\"ps815 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.66pt\"></span></span><span class=\"ps12188\">156<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19477 ss2198\"><div><div class=\"ps815 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.1pt\"></span></span><span class=\"ps16007\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19478 ss2198\"><div><div class=\"ps815 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.78pt\"></span></span><span class=\"ps14345\">119<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19480 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.53pt\"></span></span><span class=\"ps19479\">(12)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19482 ss2198\"><div><div class=\"ps815 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.64pt\"></span></span><span class=\"ps19481\">5\u00a0649<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19483 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.53pt\"></span></span><span class=\"ps19479\">(19)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps19484 ss2198\"><div><div class=\"ps815 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.89pt\"></span></span><span class=\"ps12563\">26<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19485 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.22pt\"></span></span><span class=\"ps13116\">5\u00a0675<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps3477 ss2199\"><div><div class=\"ps815 ss174\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other high net worth <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss174\"><span class=\"f charStyle-2b0f4fe0 ps7\">lending<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19486 ss2200\"><div><div class=\"ps469 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.43pt\"></span></span><span class=\"ps9252\">491<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19487 ss2200\"><div><div class=\"ps469 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.1pt\"></span></span><span class=\"ps16007\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12607 ss2200\"><div><div class=\"ps469 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.98pt\"></span></span><span class=\"ps19488\">31<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19489 ss2200\"><div><div class=\"ps469 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.53pt\"></span></span><span class=\"ps11563\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19490 ss2200\"><div><div class=\"ps469 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.89pt\"></span></span><span class=\"ps12563\">69<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19491 ss2168\"><div><div class=\"ps469 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.41pt\"></span></span><span class=\"ps1602\">(14)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19492 ss2200\"><div><div class=\"ps469 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.66pt\"></span></span><span class=\"ps12188\">591<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19493 ss2168\"><div><div class=\"ps469 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.64pt\"></span></span><span class=\"ps11356\">(15)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps19494 ss2200\"><div><div class=\"ps469 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.81pt\"></span></span><span class=\"ps13847\">7<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19496 ss2168\"><div><div class=\"ps469 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.42pt\"></span></span><span class=\"ps19495\">598<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:30pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps2516 ss2201\"><div><div class=\"ps815 ss174\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total high net worth <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss174\"><span class=\"f charStyle-b7f6e8e5 ps7\">and other private client <span class=\"f ps2\"> </span></span></div><div class=\"ps8432 ss174\"><span class=\"f charStyle-b7f6e8e5 ps7\">lending</span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19497 ss2202\"><div><div class=\"ps8432 ss2192\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.27pt\"></span></span><span class=\"ps12119\">5\u00a0865<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19498 ss2202\"><div><div class=\"ps8432 ss2192\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.04pt\"></span></span><span class=\"ps15729\">(7)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19499 ss2202\"><div><div class=\"ps8432 ss2192\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.48pt\"></span></span><span class=\"ps10510\">187<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19501 ss2202\"><div><div class=\"ps8432 ss2192\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.83pt\"></span></span><span class=\"ps19500\">(1)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19502 ss2202\"><div><div class=\"ps8432 ss2192\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.99pt\"></span></span><span class=\"ps12032\">188<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19504 ss2203\"><div><div class=\"ps8432 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.83pt\"></span></span><span class=\"ps19503\">(26)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps19505 ss2202\"><div><div class=\"ps8432 ss2192\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.92pt\"></span></span><span class=\"ps17130\">6\u00a0240<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps19507 ss2203\"><div><div class=\"ps8432 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.48pt\"></span></span><span class=\"ps19506\">(34)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19508 ss2202\"><div><div class=\"ps8432 ss2192\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.68pt\"></span></span><span class=\"ps4225\">33<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19509 ss2203\"><div><div class=\"ps8432 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.76pt\"></span></span><span class=\"ps3471\">6\u00a0273<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12754 ss2197\"><div><div class=\"ps815 ss174\"><span class=\"f charStyle-b7f6e8e5 ps7\">Coverage ratio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps19510 ss2198\"><div><div class=\"ps815 ss2192\"><span class=\"f charStyle-b7f6e8e5 ps990\">0.12%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps19511 ss2198\"><div><div class=\"ps815 ss2192\"><span class=\"f charStyle-b7f6e8e5 ps12500\">0.5%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps19512 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-b7f6e8e5 ps1496\">13.8%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19513 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-b7f6e8e5 ps16923\">0.5%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9812 ss2197\"><div><div class=\"ps815 ss174\"><span class=\"f charStyle-b7f6e8e5 ps7\">At 31 March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12761 ss2197\"><div><div class=\"ps815 ss174\"><span class=\"f charStyle-2b0f4fe0 ps7\">Mortgages<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19514 ss2198\"><div><div class=\"ps815 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.24pt\"></span></span><span class=\"ps15329\">4\u00a0833<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19515 ss2198\"><div><div class=\"ps815 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.86pt\"></span></span><span class=\"ps5905\">(8)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12918 ss2198\"><div><div class=\"ps815 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.89pt\"></span></span><span class=\"ps10271\">151<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19516 ss2198\"><div><div class=\"ps815 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.1pt\"></span></span><span class=\"ps16007\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19517 ss2198\"><div><div class=\"ps815 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.52pt\"></span></span><span class=\"ps19073\">135<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19518 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.22pt\"></span></span><span class=\"ps12708\">(7)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19519 ss2198\"><div><div class=\"ps815 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.22pt\"></span></span><span class=\"ps11219\">5\u00a0119<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19520 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.53pt\"></span></span><span class=\"ps19479\">(16)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps19521 ss2198\"><div><div class=\"ps815 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.89pt\"></span></span><span class=\"ps12563\">26<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19523 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.98pt\"></span></span><span class=\"ps19522\">5\u00a0145<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps12766 ss2199\"><div><div class=\"ps815 ss174\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other high net worth <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss174\"><span class=\"f charStyle-2b0f4fe0 ps7\">lending<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19525 ss2200\"><div><div class=\"ps469 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.78pt\"></span></span><span class=\"ps19524\">576<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19526 ss2200\"><div><div class=\"ps469 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.1pt\"></span></span><span class=\"ps16007\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12923 ss2200\"><div><div class=\"ps469 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.47pt\"></span></span><span class=\"ps16068\">71<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19527 ss2200\"><div><div class=\"ps469 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.53pt\"></span></span><span class=\"ps11563\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19528 ss2200\"><div><div class=\"ps469 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.86pt\"></span></span><span class=\"ps12087\">60<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19529 ss2168\"><div><div class=\"ps469 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.53pt\"></span></span><span class=\"ps19479\">(12)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19530 ss2200\"><div><div class=\"ps469 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.99pt\"></span></span><span class=\"ps13012\">707<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19531 ss2168\"><div><div class=\"ps469 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.39pt\"></span></span><span class=\"ps13737\">(13)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps19533 ss2200\"><div><div class=\"ps469 ss2192\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.46pt\"></span></span><span class=\"ps19532\">9<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19534 ss2168\"><div><div class=\"ps469 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.9pt\"></span></span><span class=\"ps14700\">716<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:30pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps12194 ss2201\"><div><div class=\"ps815 ss174\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total high net worth <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss174\"><span class=\"f charStyle-b7f6e8e5 ps7\">and other private client <span class=\"f ps2\"> </span></span></div><div class=\"ps8432 ss174\"><span class=\"f charStyle-b7f6e8e5 ps7\">lending</span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19535 ss2202\"><div><div class=\"ps8432 ss2192\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.81pt\"></span></span><span class=\"ps11473\">5\u00a0409<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19537 ss2202\"><div><div class=\"ps8432 ss2192\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.55pt\"></span></span><span class=\"ps19536\">(9)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps12644 ss2202\"><div><div class=\"ps8432 ss2192\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.4pt\"></span></span><span class=\"ps13646\">222<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19538 ss2202\"><div><div class=\"ps8432 ss2192\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.83pt\"></span></span><span class=\"ps19500\">(1)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19540 ss2202\"><div><div class=\"ps8432 ss2192\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.11pt\"></span></span><span class=\"ps19539\">195<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19542 ss2203\"><div><div class=\"ps8432 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.88pt\"></span></span><span class=\"ps19541\">(19)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps19543 ss2202\"><div><div class=\"ps8432 ss2192\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.38pt\"></span></span><span class=\"ps11363\">5\u00a0826<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps19544 ss2203\"><div><div class=\"ps8432 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.83pt\"></span></span><span class=\"ps19503\">(29)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19545 ss2202\"><div><div class=\"ps8432 ss2192\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.79pt\"></span></span><span class=\"ps15154\">35<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19547 ss2203\"><div><div class=\"ps8432 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.43pt\"></span></span><span class=\"ps19546\">5\u00a0861<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13097 ss2197\"><div><div class=\"ps815 ss174\"><span class=\"f charStyle-b7f6e8e5 ps7\">Coverage ratio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19548 ss2198\"><div><div class=\"ps815 ss2192\"><span class=\"f charStyle-b7f6e8e5 ps12764\">0.17%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19549 ss2198\"><div><div class=\"ps815 ss2192\"><span class=\"f charStyle-b7f6e8e5 ps12500\">0.5%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19550 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-b7f6e8e5 ps9270\">9.7%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19551 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-b7f6e8e5 ps16923\">0.5%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div></div><div><div class=\"ps181 ss8\"><div class=\"ss222 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:234.75pt\"></td></tr><tr style=\"height:27pt\"><td style=\"padding:0\"><div class=\"ps19 ss2204\"><div><div class=\"ps2838 ss222\"><span class=\"f charStyle-0e78c81e ps7\">An analysis of core loans by risk category \u2013 <span class=\"f ps2\"> </span></span></div><div class=\"ps4171 ss222\"><span class=\"f charStyle-0e78c81e ps7\">Corporate and other lending<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps9014 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">We focus on traditional client-driven corporate lending </span></div><div class=\"ps9015 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">activities.\u00a0The credit risk management functions approve </span></div><div class=\"ps9016 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">specific credit and counterparty limits that govern the maximum </span></div><div class=\"ps19552 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">credit exposure to each individual counterparty. In addition, </span></div><div class=\"ps19553 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">further risk\u00a0management limits exist through industry and </span></div><div class=\"ps19554 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">country limits\u00a0to manage concentration risk. The credit appetite </span></div><div class=\"ps19555 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">for each\u00a0counterparty is based on the financial strength of the </span></div><div class=\"ps19556 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">principal borrower, its business model and market positioning, </span></div><div class=\"ps19557 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the underlying cash flow to the transaction, the substance </span></div><div class=\"ps19558 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and\u00a0track record of management, and the security package. </span></div><div class=\"ps19559 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Political risk insurance, and other insurance is taken where </span></div><div class=\"ps19560 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">deemed appropriate.</span></div><div class=\"ps19561 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group </span><span class=\"f charStyle-33e1c6d6 ps5264\">has limited appetite for unsecured credit risk and </span></div><div class=\"ps19562 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">facilities are typically secured by the assets of the underlying </span></div><div class=\"ps19563 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">borrower as well as shares in the borrower.</span></div><div class=\"ps9026 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps23\">A summary of the nature of the lending and/or credit risk </span></div><div class=\"ps9027 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps23\">assumed within some of the key areas in our corporate lending </span></div><div class=\"ps19564 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps23\">business is provided below:</span></div><div class=\"ps19566 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2c34c19a ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2c34c19a ps461\">Corporate and acquisition finance:</span><span class=\"f charStyle-c8d875d6 ps19565\"> provides senior secured </span></div><div class=\"ps19567 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps461\">loans to proven management teams and sponsors running </span></div><div class=\"ps19568 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps461\">mid-cap, as well as some large-cap companies. Credit risk is </span></div><div class=\"ps19569 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps461\">assessed against debt serviceability based upon robust cash </span></div><div class=\"ps19570 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps461\">generation of the business demonstrated by both historical </span></div><div class=\"ps19572 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps461\">and forecast information. </span><span class=\"f charStyle-33e1c6d6 ps19571\">Corporates should demonstrate </span></div><div class=\"ps19573 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">relevance in their market, an experienced management team, </span></div><div class=\"ps19575 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">able Board members, and strong earnings and cash flow.</span><span class=\"f charStyle-c8d875d6 ps19574\"> </span></div><div class=\"ps19576 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps461\">We\u00a0typically act as a transaction lead arranger or on a club </span></div><div class=\"ps19577 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps461\">or\u00a0bi-lateral basis, and have a close relationship with </span></div><div class=\"ps19578 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps461\">management and sponsors</span></div><div class=\"ps19580 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2c34c19a ps461\">Asset-based lending:</span><span class=\"f charStyle-c8d875d6 ps19579\"> provides working capital and </span></div><div class=\"ps19581 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps461\">secured\u00a0corporate loans to mid-caps. These loans are </span></div><div class=\"ps19582 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps461\">secured by the assets of the business, for example, the </span></div><div class=\"ps19583 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps461\">accounts receivable, inventory and plant and machinery. </span></div><div class=\"ps19584 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps461\">In\u00a0common with our corporate lending activities, strong </span></div><div class=\"ps19585 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps461\">emphasis is placed on supporting companies with scale </span></div><div class=\"ps19586 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps461\">and\u00a0relevance in their industry</span></div><div class=\"ps19588 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps461\">Fund finance:</span><span class=\"f charStyle-33e1c6d6 ps19587\"> provides debt facilities to asset managers and </span></div><div class=\"ps19589 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">fund vehicles, principally in private equity. The geographical </span></div><div class=\"ps19591 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">focus is the UK, Western Europe and North America </span><span class=\"f charStyle-c8d875d6 ps19590\">where </span></div><div class=\"ps16171 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps461\">the Group can support experienced asset managers and their </span></div><div class=\"ps5166 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps461\">funds which show strong, long-term value creation and good </span></div><div class=\"ps19592 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps461\">custodianship of investors\u2019 money. Debt facilities are typically </span></div><div class=\"ps19593 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps461\">to a fund entity and secured against undrawn limited partner </span></div><div class=\"ps19594 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps461\">commitments and/or the fund\u2019s underlying assets</span></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2c34c19a ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2c34c19a ps663\">Other corporate and financial institutions and </span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2c34c19a ps663\">governments: </span><span class=\"f charStyle-c8d875d6 ps19595\">provides senior secured loans to mid-to-large </span></div><div class=\"ps701 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps663\">cap companies where credit risk is typically considered with </span></div><div class=\"ps702 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps663\">regard to robust cash generation from an underlying asset and </span></div><div class=\"ps3313 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps663\">supported by performance of the overall business based on </span></div><div class=\"ps6370 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps663\">both historical and forecast information </span></div><div class=\"ps3314 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2c34c19a ps663\">Small ticket asset finance:</span><span class=\"f charStyle-c8d875d6 ps19596\"> provides funding to small and </span></div><div class=\"ps6371 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps663\">medium-sized corporates to support asset purchases and </span></div><div class=\"ps6372 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps663\">other business requirements. The portfolio is highly diversified </span></div><div class=\"ps8220 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps663\">by industry and number of clients and is secured against the </span></div><div class=\"ps8221 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps663\">asset being financed</span></div><div class=\"ps6373 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2c34c19a ps663\">Motor finance:</span><span class=\"f charStyle-c8d875d6 ps19597\"> provides specialised motor vehicle financing </span></div><div class=\"ps8274 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps663\">originated through Mann Island Vehicle Finance Limited </span></div><div class=\"ps8275 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps663\">(MIVF). The portfolio is composed predominantly of private </span></div><div class=\"ps7987 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps663\">motor vehicles to individuals attributing to a granular book </span></div><div class=\"ps8276 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps663\">with low concentration risk</span></div><div class=\"ps7990 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps663\">Aviation finance:</span><span class=\"f charStyle-33e1c6d6 ps19598\"> structures, arranges and provides financing </span></div><div class=\"ps7993 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">for airlines, leasing companies, operators and corporates </span></div><div class=\"ps7994 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">secured by aircraft at conservative LTVs. Counterparties </span></div><div class=\"ps8257 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">include flag and commercial airline carriers, leading aircraft </span></div><div class=\"ps8258 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">lessors and corporates/operators with strong contracted cash </span></div><div class=\"ps6380 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">flows</span></div><div class=\"ps7997 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2c34c19a ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2c34c19a ps663\">Energy and infrastructure finance:</span><span class=\"f charStyle-c8d875d6 ps19599\"> arranges and provides </span></div><div class=\"ps5126 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps663\">typically long-term financing for energy and infrastructure </span></div><div class=\"ps8259 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps663\">assets, in particular renewable and traditional energy projects </span></div><div class=\"ps8260 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps663\">as well as transportation assets, usually against contracted </span></div><div class=\"ps8261 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps663\">future cash flows of the project(s) from well-established and </span></div><div class=\"ps6385 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps663\">financially sound off-take counterparties. There is a </span></div><div class=\"ps8000 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps663\">requirement for a strong upfront equity contribution from an </span></div><div class=\"ps8004 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps663\">experienced sponsor.</span></div><div class=\"ps8225 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps74\">Year in review</span></div><div class=\"ps19604 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Corporate and other lending increased by </span><span class=\"f charStyle-33e1c6d6 ps19600\">5.0%</span><span class=\"f charStyle-33e1c6d6 ps19601\"> from \u00a3</span><span class=\"f charStyle-33e1c6d6 ps19602\">8.6</span><span class=\"f charStyle-33e1c6d6 ps19603\"> billion </span></div><div class=\"ps19612 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">at </span><span class=\"f charStyle-33e1c6d6 ps19605\">31 March 2025</span><span class=\"f charStyle-33e1c6d6 ps19606\"> to \u00a3</span><span class=\"f charStyle-33e1c6d6 ps19607\">9.1</span><span class=\"f charStyle-33e1c6d6 ps19608\"> billion or </span><span class=\"f charStyle-33e1c6d6 ps19609\">51.0%</span><span class=\"f charStyle-33e1c6d6 ps19610\"> of net core loans at </span><span class=\"f charStyle-33e1c6d6 ps19611\">31 </span></div><div class=\"ps19615 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">March 2026</span><span class=\"f charStyle-33e1c6d6 ps19613\">. </span><span class=\"f charStyle-33e1c6d6 ps19614\">There has been diversified growth across multiple </span></div><div class=\"ps19616 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">corporate and other lending asset classes including fund </span></div><div class=\"ps19617 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">finance, small ticket asset finance, asset-based lending, </span></div><div class=\"ps19618 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">corporate and acquisition finance and aviation finance. We </span></div><div class=\"ps19619 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">continue to remain client-focused in our approach, with good </span></div><div class=\"ps19620 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">quality corporates exhibiting strong cash flows and balance </span></div><div class=\"ps19624 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">sheets.</span><span class=\"f charStyle-33e1c6d6 ps19621\"> </span><span class=\"f charStyle-33e1c6d6 ps19622\">The underlying portfolios remain resilient.</span><span class=\"f charStyle-33e1c6d6 ps19623\"> </span></div></div><div class=\"ps181 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:115.5pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:35.25pt\"></td><td style=\"padding:0;width:36pt\"></td></tr><tr style=\"height:36pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"8\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps19625 ss2184\"><div><div class=\"ps8325 ss2183\"><span class=\"f charStyle-a26246ce ps19174\">Gross core loans at<span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss2183\"><span class=\"f charStyle-a26246ce ps19175\">amortised cost and FVOCI<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps17746 ss2205\"><div><div class=\"ps8329 ss189\"><span class=\"f charStyle-a26246ce ps17125\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps8331 ss189\"><span class=\"f charStyle-a26246ce ps19626\">core<span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss189\"><span class=\"f charStyle-a26246ce ps19627\">loans at<span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss189\"><span class=\"f charStyle-a26246ce ps19628\">FVPL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps19632 ss311\"><div><div class=\"ps8331 ss310\"><span class=\"f charStyle-a26246ce ps19629\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps8325 ss310\"><span class=\"f charStyle-a26246ce ps19630\">core<span class=\"f ps2\"> </span></span></div><div class=\"ps8321 ss310\"><span class=\"f charStyle-a26246ce ps19631\">loans<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19633 ss2185\"><div><div class=\"ps14732 ss918\"><span class=\"f charStyle-a26246ce ps9583\">Stage 1<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19634 ss2185\"><div><div class=\"ps14732 ss918\"><span class=\"f charStyle-a26246ce ps19182\">Stage 2<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19635 ss2185\"><div><div class=\"ps14732 ss918\"><span class=\"f charStyle-a26246ce ps15598\">Stage 3<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19636 ss2185\"><div><div class=\"ps14732 ss918\"><span class=\"f charStyle-a26246ce ps19185\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps830 ss2206\"><div><div class=\"ps1400 ss1905\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19637 ss2186\"><div><div class=\"ps1404 ss25\"><span class=\"f charStyle-8d4b9b37 ps14587\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss25\"><span class=\"f charStyle-8d4b9b37 ps19187\">exposure<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19638 ss2186\"><div><div class=\"ps1400 ss25\"><span class=\"f charStyle-8d4b9b37 ps13751\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19639 ss2186\"><div><div class=\"ps1404 ss25\"><span class=\"f charStyle-8d4b9b37 ps14587\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss25\"><span class=\"f charStyle-8d4b9b37 ps19187\">exposure<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19640 ss2186\"><div><div class=\"ps1400 ss25\"><span class=\"f charStyle-8d4b9b37 ps13751\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19641 ss2186\"><div><div class=\"ps1404 ss25\"><span class=\"f charStyle-8d4b9b37 ps14587\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss25\"><span class=\"f charStyle-8d4b9b37 ps19187\">exposure<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19642 ss2186\"><div><div class=\"ps1400 ss25\"><span class=\"f charStyle-8d4b9b37 ps13751\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19643 ss2186\"><div><div class=\"ps1404 ss25\"><span class=\"f charStyle-a26246ce ps19194\">Gross<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss25\"><span class=\"f charStyle-a26246ce ps19195\"> exposure<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps19644 ss2186\"><div><div class=\"ps1400 ss25\"><span class=\"f charStyle-a26246ce ps9521\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><span id=\"i8728d1f92d324955b1d4d9b2981fd9d9_3-0-1-1-3222700\"></span><div class=\"ps192 ss1906\"><div><div class=\"ps815 ss1905\"><span class=\"f charStyle-b7f6e8e5 ps7\">At 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps2501 ss2207\"><div><div class=\"ps815 ss1905\"><span class=\"f charStyle-2b0f4fe0 ps7\">Corporate and acquisition <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1905\"><span class=\"f charStyle-2b0f4fe0 ps7\">finance<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19645 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.85pt\"></span></span><span class=\"ps9416\">1\u00a0816<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19647 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.97pt\"></span></span><span class=\"ps19646\">(7)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19648 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.18pt\"></span></span><span class=\"ps2227\">225<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19649 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.61pt\"></span></span><span class=\"ps16473\">(8)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19650 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.5pt\"></span></span><span class=\"ps11730\">93<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19651 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.79pt\"></span></span><span class=\"ps10450\">(43)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19652 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.37pt\"></span></span><span class=\"ps17932\">2\u00a0134<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19653 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.15pt\"></span></span><span class=\"ps13777\">(58)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19654 ss2208\"><div><div class=\"ps469 ss189\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.14pt\"></span></span><span class=\"ps10504\">115<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19655 ss2168\"><div><div class=\"ps469 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.53pt\"></span></span><span class=\"ps9726\">2\u00a0249<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1353 ss1906\"><div><div class=\"ps815 ss1905\"><span class=\"f charStyle-2b0f4fe0 ps7\">Asset-based lending<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19656 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.18pt\"></span></span><span class=\"ps2227\">259<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19657 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.85pt\"></span></span><span class=\"ps19214\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19658 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.75pt\"></span></span><span class=\"ps11653\">59<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19659 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.85pt\"></span></span><span class=\"ps19214\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19660 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.38pt\"></span></span><span class=\"ps19335\">43<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19661 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.5pt\"></span></span><span class=\"ps11829\">(4)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19662 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.16pt\"></span></span><span class=\"ps12639\">361<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19663 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.62pt\"></span></span><span class=\"ps9325\">(6)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19664 ss1219\"><div><div class=\"ps815 ss189\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.78pt\"></span></span><span class=\"ps14345\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19666 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.41pt\"></span></span><span class=\"ps19665\">361<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps45 ss1906\"><div><div class=\"ps815 ss1905\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fund finance<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19667 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.09pt\"></span></span><span class=\"ps14422\">1\u00a0765<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19668 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.62pt\"></span></span><span class=\"ps9325\">(2)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19669 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.86pt\"></span></span><span class=\"ps19276\">18<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19670 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19671 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19672 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19673 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.83pt\"></span></span><span class=\"ps14789\">1\u00a0783<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19674 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.62pt\"></span></span><span class=\"ps9325\">(2)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19676 ss1219\"><div><div class=\"ps815 ss189\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.48pt\"></span></span><span class=\"ps19675\">51<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19677 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.61pt\"></span></span><span class=\"ps9283\">1\u00a0834<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps2367 ss2207\"><div><div class=\"ps815 ss1905\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other corporate and financial <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1905\"><span class=\"f charStyle-2b0f4fe0 ps7\">institutions and governments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19678 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.07pt\"></span></span><span class=\"ps16477\">692<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19679 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.62pt\"></span></span><span class=\"ps9325\">(2)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19680 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.49pt\"></span></span><span class=\"ps14087\">40<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19681 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.85pt\"></span></span><span class=\"ps19214\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19683 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.09pt\"></span></span><span class=\"ps19682\">4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19684 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.85pt\"></span></span><span class=\"ps19214\">(1)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19685 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.28pt\"></span></span><span class=\"ps13559\">736<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19686 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.5pt\"></span></span><span class=\"ps11829\">(4)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19687 ss2208\"><div><div class=\"ps469 ss189\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.37pt\"></span></span><span class=\"ps14235\">21<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19688 ss2168\"><div><div class=\"ps469 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.13pt\"></span></span><span class=\"ps13545\">757<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9245 ss1906\"><div><div class=\"ps815 ss1905\"><span class=\"f charStyle-2b0f4fe0 ps7\">Small ticket asset finance<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19689 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.95pt\"></span></span><span class=\"ps2271\">1\u00a0311<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19690 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.97pt\"></span></span><span class=\"ps19646\">(7)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19691 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.95pt\"></span></span><span class=\"ps19273\">429<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19692 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.61pt\"></span></span><span class=\"ps16473\">(8)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19693 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.63pt\"></span></span><span class=\"ps19212\">28<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19694 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.16pt\"></span></span><span class=\"ps10055\">(14)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19696 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.97pt\"></span></span><span class=\"ps19695\">1\u00a0768<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19697 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.05pt\"></span></span><span class=\"ps16889\">(29)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19698 ss1219\"><div><div class=\"ps815 ss189\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.78pt\"></span></span><span class=\"ps14345\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19700 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.22pt\"></span></span><span class=\"ps19699\">1\u00a0768<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3337 ss1906\"><div><div class=\"ps815 ss1905\"><span class=\"f charStyle-2b0f4fe0 ps7\">Motor finance<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19701 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.18pt\"></span></span><span class=\"ps2227\">956<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19702 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.48pt\"></span></span><span class=\"ps11677\">(3)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19703 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.53pt\"></span></span><span class=\"ps19479\">119<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19704 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.97pt\"></span></span><span class=\"ps19646\">(7)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19705 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.38pt\"></span></span><span class=\"ps19335\">34<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19706 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.51pt\"></span></span><span class=\"ps9934\">(11)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19707 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.83pt\"></span></span><span class=\"ps9721\">1\u00a0109<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19708 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">(21)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19709 ss1219\"><div><div class=\"ps815 ss189\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.78pt\"></span></span><span class=\"ps14345\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19710 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.08pt\"></span></span><span class=\"ps16923\">1\u00a0109<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9254 ss1906\"><div><div class=\"ps815 ss1905\"><span class=\"f charStyle-2b0f4fe0 ps7\">Aviation finance<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19711 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.5pt\"></span></span><span class=\"ps11730\">93<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19712 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19713 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19714 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19715 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19716 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19717 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.5pt\"></span></span><span class=\"ps11730\">93<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19718 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19719 ss1219\"><div><div class=\"ps815 ss189\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.8pt\"></span></span><span class=\"ps13254\">427<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19720 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.4pt\"></span></span><span class=\"ps18847\">520<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps289 ss2207\"><div><div class=\"ps815 ss1905\"><span class=\"f charStyle-2b0f4fe0 ps7\">Energy and infrastructure <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1905\"><span class=\"f charStyle-2b0f4fe0 ps7\">finance<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19721 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.94pt\"></span></span><span class=\"ps15182\">482<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19722 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.85pt\"></span></span><span class=\"ps19214\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19723 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.61pt\"></span></span><span class=\"ps19270\">60<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19724 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.85pt\"></span></span><span class=\"ps19214\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19725 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.49pt\"></span></span><span class=\"ps14087\">38<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19726 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.5pt\"></span></span><span class=\"ps11829\">(4)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19727 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.14pt\"></span></span><span class=\"ps11498\">580<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19728 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.62pt\"></span></span><span class=\"ps9325\">(6)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19729 ss2208\"><div><div class=\"ps469 ss189\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.23pt\"></span></span><span class=\"ps13493\">31<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19730 ss2168\"><div><div class=\"ps469 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.78pt\"></span></span><span class=\"ps9445\">611<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps346 ss2207\"><div><div class=\"ps815 ss1905\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total corporate <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1905\"><span class=\"f charStyle-b7f6e8e5 ps7\">and other lending<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19731 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.64pt\"></span></span><span class=\"ps3444\">7\u00a0374<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19732 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.59pt\"></span></span><span class=\"ps15064\">(23)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19733 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.37pt\"></span></span><span class=\"ps16539\">950<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19735 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.58pt\"></span></span><span class=\"ps19734\">(26)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19736 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.35pt\"></span></span><span class=\"ps11113\">240<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19737 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.33pt\"></span></span><span class=\"ps9687\">(77)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps19739 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.77pt\"></span></span><span class=\"ps19738\">8\u00a0564<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps19740 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.91pt\"></span></span><span class=\"ps3522\">(126)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19741 ss2208\"><div><div class=\"ps469 ss189\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.95pt\"></span></span><span class=\"ps2271\">645<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19743 ss2168\"><div><div class=\"ps469 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.05pt\"></span></span><span class=\"ps19742\">9\u00a0209<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4338 ss1906\"><div><div class=\"ps815 ss1905\"><span class=\"f charStyle-b7f6e8e5 ps7\">Coverage ratio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps19744 ss2188\"><div><div class=\"ps4184 ss25\"><span class=\"f charStyle-b7f6e8e5 ps4124\">0.31%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps19745 ss2188\"><div><div class=\"ps4184 ss25\"><span class=\"f charStyle-b7f6e8e5 ps10249\">2.7%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps19746 ss2188\"><div><div class=\"ps4184 ss25\"><span class=\"f charStyle-b7f6e8e5 ps6940\">32.1%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19748 ss2188\"><div><div class=\"ps4184 ss25\"><span class=\"f charStyle-b7f6e8e5 ps19747\">1.5%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4343 ss1906\"><div><div class=\"ps815 ss1905\"><span class=\"f charStyle-b7f6e8e5 ps7\">At 31 March 2025^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps4344 ss2207\"><div><div class=\"ps815 ss1905\"><span class=\"f charStyle-2b0f4fe0 ps7\">Corporate and acquisition <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1905\"><span class=\"f charStyle-2b0f4fe0 ps7\">finance<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19749 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.7pt\"></span></span><span class=\"ps9588\">1\u00a0733<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19750 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.62pt\"></span></span><span class=\"ps9325\">(6)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19751 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.9pt\"></span></span><span class=\"ps10189\">230<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19752 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.62pt\"></span></span><span class=\"ps9325\">(9)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19753 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.34pt\"></span></span><span class=\"ps12186\">77<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19754 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.63pt\"></span></span><span class=\"ps12171\">(17)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19755 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.22pt\"></span></span><span class=\"ps13116\">2\u00a0040<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19756 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.91pt\"></span></span><span class=\"ps17085\">(32)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19757 ss2208\"><div><div class=\"ps469 ss189\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.03pt\"></span></span><span class=\"ps19305\">112<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19758 ss2168\"><div><div class=\"ps469 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.99pt\"></span></span><span class=\"ps9591\">2\u00a0152<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19759 ss1906\"><div><div class=\"ps815 ss1905\"><span class=\"f charStyle-2b0f4fe0 ps7\">Asset-based lending<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19761 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.03pt\"></span></span><span class=\"ps19760\">208<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19762 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.85pt\"></span></span><span class=\"ps19214\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19763 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.04pt\"></span></span><span class=\"ps14758\">143<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19764 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.48pt\"></span></span><span class=\"ps11677\">(3)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19765 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19766 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19767 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.27pt\"></span></span><span class=\"ps16795\">351<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19768 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.5pt\"></span></span><span class=\"ps11829\">(4)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19769 ss1219\"><div><div class=\"ps815 ss189\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.78pt\"></span></span><span class=\"ps14345\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19770 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.52pt\"></span></span><span class=\"ps14223\">351<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1074 ss1906\"><div><div class=\"ps815 ss1905\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fund finance<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19771 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.86pt\"></span></span><span class=\"ps9710\">1\u00a0467<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19772 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.85pt\"></span></span><span class=\"ps19214\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19773 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.47pt\"></span></span><span class=\"ps15401\">30<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19774 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19775 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19776 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19777 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.86pt\"></span></span><span class=\"ps9710\">1\u00a0497<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19778 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.85pt\"></span></span><span class=\"ps19214\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19779 ss1219\"><div><div class=\"ps815 ss189\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.13pt\"></span></span><span class=\"ps17036\">68<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19780 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.1pt\"></span></span><span class=\"ps14272\">1\u00a0565<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps1078 ss2207\"><div><div class=\"ps815 ss1905\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other corporate and financial <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1905\"><span class=\"f charStyle-2b0f4fe0 ps7\">institutions and governments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19781 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.39pt\"></span></span><span class=\"ps14692\">670<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19782 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.62pt\"></span></span><span class=\"ps9325\">(2)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19783 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.1pt\"></span></span><span class=\"ps5502\">57<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19784 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.62pt\"></span></span><span class=\"ps9325\">(2)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19785 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.5pt\"></span></span><span class=\"ps11730\">32<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19786 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">(16)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19787 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.53pt\"></span></span><span class=\"ps3237\">759<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19788 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.02pt\"></span></span><span class=\"ps16943\">(20)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19789 ss2208\"><div><div class=\"ps469 ss189\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.59pt\"></span></span><span class=\"ps11443\">4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19790 ss2168\"><div><div class=\"ps469 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.53pt\"></span></span><span class=\"ps13036\">763<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9308 ss1906\"><div><div class=\"ps815 ss1905\"><span class=\"f charStyle-2b0f4fe0 ps7\">Small ticket asset finance<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19792 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.23pt\"></span></span><span class=\"ps19791\">1\u00a0433<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19793 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.62pt\"></span></span><span class=\"ps9325\">(6)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19794 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.3pt\"></span></span><span class=\"ps12495\">199<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19795 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.97pt\"></span></span><span class=\"ps19646\">(7)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19796 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.5pt\"></span></span><span class=\"ps11730\">23<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19797 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.51pt\"></span></span><span class=\"ps9934\">(11)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19798 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.85pt\"></span></span><span class=\"ps12492\">1\u00a0655<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19799 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.93pt\"></span></span><span class=\"ps11836\">(24)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19800 ss1219\"><div><div class=\"ps815 ss189\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.78pt\"></span></span><span class=\"ps14345\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19801 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.1pt\"></span></span><span class=\"ps14272\">1\u00a0655<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9313 ss1906\"><div><div class=\"ps815 ss1905\"><span class=\"f charStyle-2b0f4fe0 ps7\">Motor finance<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19802 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.95pt\"></span></span><span class=\"ps19273\">994<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19803 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.62pt\"></span></span><span class=\"ps9325\">(2)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19804 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.99pt\"></span></span><span class=\"ps8476\">97<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19805 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.5pt\"></span></span><span class=\"ps11829\">(4)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19806 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.64pt\"></span></span><span class=\"ps14435\">29<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19807 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.28pt\"></span></span><span class=\"ps18546\">(12)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19808 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.83pt\"></span></span><span class=\"ps9721\">1\u00a0120<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19809 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.27pt\"></span></span><span class=\"ps11801\">(18)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19810 ss1219\"><div><div class=\"ps815 ss189\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.78pt\"></span></span><span class=\"ps14345\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19811 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.08pt\"></span></span><span class=\"ps16923\">1\u00a0120<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1090 ss1906\"><div><div class=\"ps815 ss1905\"><span class=\"f charStyle-2b0f4fe0 ps7\">Aviation finance<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19812 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.76pt\"></span></span><span class=\"ps12005\">175<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19813 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19814 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.56pt\"></span></span><span class=\"ps11130\">7<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19815 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19816 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19817 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19818 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.29pt\"></span></span><span class=\"ps19267\">182<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19819 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19820 ss1219\"><div><div class=\"ps815 ss189\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.92pt\"></span></span><span class=\"ps17762\">279<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19821 ss2165\"><div><div class=\"ps815 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.43pt\"></span></span><span class=\"ps9689\">461<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps1094 ss2207\"><div><div class=\"ps815 ss1905\"><span class=\"f charStyle-2b0f4fe0 ps7\">Energy and infrastructure <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1905\"><span class=\"f charStyle-2b0f4fe0 ps7\">finance<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19822 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.29pt\"></span></span><span class=\"ps9311\">525<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19823 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.62pt\"></span></span><span class=\"ps9325\">(2)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19824 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.63pt\"></span></span><span class=\"ps19212\">98<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19825 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.62pt\"></span></span><span class=\"ps9325\">(2)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19826 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.52pt\"></span></span><span class=\"ps11546\">42<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19827 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.73pt\"></span></span><span class=\"ps11367\">(5)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19828 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.18pt\"></span></span><span class=\"ps2227\">665<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19829 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.62pt\"></span></span><span class=\"ps9325\">(9)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19831 ss2208\"><div><div class=\"ps469 ss189\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.02pt\"></span></span><span class=\"ps19830\">24<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19833 ss2168\"><div><div class=\"ps469 ss310\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.31pt\"></span></span><span class=\"ps19832\">689<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19834 ss2207\"><div><div class=\"ps815 ss1905\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total corporate <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss1905\"><span class=\"f charStyle-b7f6e8e5 ps7\">and other lending<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19835 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.41pt\"></span></span><span class=\"ps414\">7\u00a0205<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19836 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.37pt\"></span></span><span class=\"ps15183\">(20)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19838 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.74pt\"></span></span><span class=\"ps19837\">861<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19839 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.07pt\"></span></span><span class=\"ps9422\">(27)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19840 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.49pt\"></span></span><span class=\"ps15646\">203<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19842 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.63pt\"></span></span><span class=\"ps19841\">(61)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps19843 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.01pt\"></span></span><span class=\"ps10144\">8\u00a0269<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps19845 ss2190\"><div><div class=\"ps469 ss25\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.47pt\"></span></span><span class=\"ps19844\">(108)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19846 ss2208\"><div><div class=\"ps469 ss189\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.32pt\"></span></span><span class=\"ps19747\">487<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19848 ss2168\"><div><div class=\"ps469 ss310\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.64pt\"></span></span><span class=\"ps19847\">8\u00a0756<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19849 ss1906\"><div><div class=\"ps815 ss1905\"><span class=\"f charStyle-b7f6e8e5 ps7\">Coverage ratio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19850 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5 ps16831\">0.28%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19851 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5 ps155\">3.1%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19853 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5 ps19852\">30.0%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19854 ss2188\"><div><div class=\"ps815 ss25\"><span class=\"f charStyle-b7f6e8e5 ps155\">1.3%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps19855 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span></span><span class=\"f charStyle-207fba8f ps968\">Re-presented as detailed on page 167.</span></div><div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_424\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The tables that follow provide further analysis of the Group\u2019s gross credit and counterparty exposures. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps19859\">Total gross credit and <span class=\"f ps2\"> </span></span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">counterparty exposures do not take into consideration risk mitigating factors such as collateral, financial guarantees and <span class=\"f ps2\"> </span></span></div><div class=\"ps701 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">instruments that create an economic hedge.<span class=\"f ps2\"> </span></span></div><div class=\"ps19860 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">An analysis of gross credit and counterparty exposures<span class=\"f ps2\"> </span><span id=\"i0331dd6885fe4f23b3cba74a014792f1_9223\"></span></span></div><div class=\"ps10629 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Gross credit and counterparty exposure totalled \u00a3<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps19861\">33.3<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps19862\"> billion at <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps19863\">31 March 2026<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps19864\"> (</span><span class=\"f charStyle-33e1c6d6 ps19865\">31 March 2025</span><span class=\"f charStyle-33e1c6d6 ps19866\">: </span><span class=\"f charStyle-33e1c6d6 ps19867\">\u00a331.1 billion</span><span class=\"f charStyle-33e1c6d6 ps19868\">). Cash and near cash </span></div><div class=\"ps10630 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">balances amounted to \u00a3<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps19869\">9.4</span><span class=\"f charStyle-33e1c6d6 ps19870\">\u00a0billion and are largely reflected in the following line items in the table below: cash and balances at <span class=\"f ps2\"> </span></span></div><div class=\"ps10822 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">central banks, loans and advances to banks and sovereign debt securities. These exposures are all Stage 1. There are immaterial <span class=\"f ps2\"> </span></span></div><div class=\"ps5822 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Stage 2 and Stage 3 exposures outside of loans and advances to customers which are small relative to the balance sheet. Loans <span class=\"f ps2\"> </span></span></div><div class=\"ps5823 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and advances to customers (including committed facilities) account for greater than </span><span class=\"f charStyle-33e1c6d6 ps19871\">99%<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps19872\"> of overall ECLs.</span></div><div class=\"ps19874 ss8\"><div class=\"ss2209 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:327pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss2210\"><div><div class=\"ps1195 ss2209\"><span class=\"f charStyle-8148111c ps7\">An analysis of gross credit and counterparty exposures<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps19926 ss8\"><div class=\"ss275 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:356.25pt\"></td><td style=\"padding:0;width:57pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:57pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss2212\"><div><div class=\"ps809 ss2211\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps992 ss797\"><div><div class=\"ps809 ss789\"><span class=\"f charStyle-a26246ce ps19875\">31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps18377 ss797\"><div><div class=\"ps809 ss789\"><span class=\"f charStyle-8d4b9b37 ps19876\">31 March 2025*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps816 ss2213\"><div><div class=\"ps997 ss2211\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cash and balances at central banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps19877 ss794\"><div><div class=\"ps997 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.97pt\"></span></span><span class=\"ps12159\">3\u00a0174<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps19879 ss794\"><div><div class=\"ps997 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.76pt\"></span></span><span class=\"ps19878\">4\u00a0192<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps184 ss2212\"><div><div class=\"ps815 ss2211\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19881 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.51pt\"></span></span><span class=\"ps19880\">801<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps19882 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.28pt\"></span></span><span class=\"ps15362\">860<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9200 ss2212\"><div><div class=\"ps815 ss2211\"><span class=\"f charStyle-2b0f4fe0 ps7\">Reverse repurchase agreements and cash collateral on securities borrowed<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19883 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.97pt\"></span></span><span class=\"ps12159\">1\u00a0885<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps19885 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.99pt\"></span></span><span class=\"ps19884\">1\u00a0641<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9204 ss2212\"><div><div class=\"ps815 ss2211\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19886 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.49pt\"></span></span><span class=\"ps12157\">3\u00a0688<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps19888 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.87pt\"></span></span><span class=\"ps19887\">2\u00a0525<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4003 ss2212\"><div><div class=\"ps815 ss2211\"><span class=\"f charStyle-2b0f4fe0 ps7\">Bank debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19890 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.43pt\"></span></span><span class=\"ps19889\">474<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps19892 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.06pt\"></span></span><span class=\"ps19891\">324<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4562 ss2212\"><div><div class=\"ps815 ss2211\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19894 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.33pt\"></span></span><span class=\"ps19893\">1\u00a0118<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps19895 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.02pt\"></span></span><span class=\"ps12299\">772<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9218 ss2212\"><div><div class=\"ps815 ss2211\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19897 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.17pt\"></span></span><span class=\"ps19896\">354<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps19899 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.3pt\"></span></span><span class=\"ps19898\">288<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9225 ss2212\"><div><div class=\"ps815 ss2211\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securities arising from trading activities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19900 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.53pt\"></span></span><span class=\"ps9378\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps19902 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.69pt\"></span></span><span class=\"ps19901\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps220 ss2212\"><div><div class=\"ps815 ss2211\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19903 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.73pt\"></span></span><span class=\"ps11918\">18\u00a0011<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps19904 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.28pt\"></span></span><span class=\"ps8457\">16\u00a0990<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9234 ss2212\"><div><div class=\"ps815 ss2211\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19905 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.66pt\"></span></span><span class=\"ps12702\">114<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps19906 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.41pt\"></span></span><span class=\"ps11176\">139<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9241 ss2212\"><div><div class=\"ps815 ss2211\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19907 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42pt\"></span></span><span class=\"ps12257\">59<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps19909 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.88pt\"></span></span><span class=\"ps19908\">28<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9245 ss2212\"><div><div class=\"ps815 ss2211\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total on-balance sheet exposures<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps19911 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.8pt\"></span></span><span class=\"ps19910\">29\u00a0678<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19912 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.08pt\"></span></span><span class=\"ps11820\">27\u00a0760<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3337 ss2212\"><div><div class=\"ps815 ss2211\"><span class=\"f charStyle-2b0f4fe0 ps7\">Guarantees<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19913 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.88pt\"></span></span><span class=\"ps19908\">82<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps19914 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.51pt\"></span></span><span class=\"ps19880\">108<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9254 ss2212\"><div><div class=\"ps815 ss2211\"><span class=\"f charStyle-2b0f4fe0 ps7\">Committed facilities related to loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19915 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.84pt\"></span></span><span class=\"ps13692\">2\u00a0801<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps19917 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.23pt\"></span></span><span class=\"ps19916\">2\u00a0477<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps289 ss2212\"><div><div class=\"ps815 ss2211\"><span class=\"f charStyle-2b0f4fe0 ps7\">Contingent liabilities, letters of credit and other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19918 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.9pt\"></span></span><span class=\"ps2240\">716<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps19920 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.25pt\"></span></span><span class=\"ps19919\">800<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps8433 ss2212\"><div><div class=\"ps815 ss2211\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total off-balance sheet exposures<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps19922 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.16pt\"></span></span><span class=\"ps19921\">3\u00a0599<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps19923 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.17pt\"></span></span><span class=\"ps12093\">3\u00a0385<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps6660 ss2212\"><div><div class=\"ps815 ss2211\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total gross credit and counterparty exposures<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19924 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.31pt\"></span></span><span class=\"ps11167\">33\u00a0277<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19925 ss797\"><div><div class=\"ps815 ss789\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.64pt\"></span></span><span class=\"ps11319\">31\u00a0145<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps19927 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span></span><span class=\"f charStyle-207fba8f ps968\">Re-presented as detailed on page 167.</span></div><div class=\"ps19929 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Re-presentation of gross and ECL values<span id=\"i0331dd6885fe4f23b3cba74a014792f1_9142\"></span></span></div><div class=\"ps19930 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Prior period gross and ECL values have been re-presented in line with changes to management\u2019s approach to measuring credit risk </span></div><div class=\"ps19931 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">metrics. Gross and ECL values at 31 March 2025 have increased by \u00a334 million for \u2018loans and advances to customers\u2019 with no </span></div><div class=\"ps19932 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">change to the income statement or balance sheet. These increases were due to: </span></div><div class=\"ps19933 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Adjustments relating to suspended interest: In prior periods, Stage 3 gross loans and advances were presented net of </span></div><div class=\"ps19934 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">suspended interest in management\u2019s credit risk metrics with the adjustment for suspended interest disclosed separately in the </span></div><div class=\"ps19935 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">footnotes. The presentation has been amended such that the suspended interest against a Stage 3 exposure is now included </span></div><div class=\"ps19936 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">within the ECL allowance instead of being netted off the gross amount. This adjustment does not change the net carrying value </span></div><div class=\"ps19937 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">as shown on the balance sheet</span></div><div class=\"ps19938 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Adjustments relating to FVOCI: The gross and ECL values of financial assets held at FVOCI were presented, either in footnotes </span></div><div class=\"ps19939 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">or\u00a0in supplementary tables. Going forward, gross values will all be presented consistently at the fair value of the instruments </span></div><div class=\"ps19940 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">increased by ECL values. This adjustment does not change the carrying value, being the fair value, as shown on the balance </span></div><div class=\"ps19941 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">sheet.</span></div><div class=\"ps19942 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">As a result of these re-presentations gross core loans and ECLs are \u00a316 990 million and \u00a3176 million as at 31 March 2025 (31\u00a0March </span></div><div class=\"ps19943 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">2024: \u00a316 121 million and \u00a3192 million respectively).</span></div></div><div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">A </span><span class=\"f charStyle-21b4da98 ps19945\">further analysis of gross credit and counterparty exposures<span class=\"f ps2\"> </span><span id=\"i0331dd6885fe4f23b3cba74a014792f1_9224\"></span></span></div><div class=\"ps10770 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The table below indicates the asset class (on the face of the consolidated balance sheet) in which credit and counterparty </span></div><div class=\"ps10771 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">exposures are reflected. Not all assets included in the balance sheet bear credit risk.</span></div><div class=\"ps20139 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:189.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:48pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:48pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:32.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss2214\"><div><div class=\"ps3317 ss22\"><span class=\"f charStyle-a26246ce ps7\">At 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps25 ss2215\"><div><div class=\"ps19947 ss1750\"><span class=\"f charStyle-8d4b9b37 ps19946\">Total gross<span class=\"f ps2\"> </span></span></div><div class=\"ps19948 ss1750\"><span class=\"f charStyle-8d4b9b37 ps10477\"> credit and<span class=\"f ps2\"> </span></span></div><div class=\"ps19950 ss1750\"><span class=\"f charStyle-8d4b9b37 ps19949\"> counterparty<span class=\"f ps2\"> </span></span></div><div class=\"ps19951 ss1750\"><span class=\"f charStyle-8d4b9b37 ps11762\"> exposure<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19953 ss2216\"><div><div class=\"ps19950 ss936\"><span class=\"f charStyle-8d4b9b37 ps19952\">of which<span class=\"f ps2\"> </span></span></div><div class=\"ps19951 ss936\"><span class=\"f charStyle-8d4b9b37 ps11827\"> FVPL<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19955 ss2217\"><div><div class=\"ps19947 ss844\"><span class=\"f charStyle-8d4b9b37 ps19954\">of which<span class=\"f ps2\"> </span></span></div><div class=\"ps19948 ss844\"><span class=\"f charStyle-8d4b9b37 ps8028\"> amortised<span class=\"f ps2\"> </span></span></div><div class=\"ps19950 ss844\"><span class=\"f charStyle-8d4b9b37 ps12873\"> cost and<span class=\"f ps2\"> </span></span></div><div class=\"ps19951 ss844\"><span class=\"f charStyle-8d4b9b37 ps9192\"> FVOCI<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19957 ss2216\"><div><div class=\"ps19951 ss936\"><span class=\"f charStyle-8d4b9b37 ps19956\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps11645 ss2215\"><div><div class=\"ps19959 ss1750\"><span class=\"f charStyle-8d4b9b37 ps19958\">Assets that<span class=\"f ps2\"> </span></span></div><div class=\"ps19947 ss1750\"><span class=\"f charStyle-8d4b9b37 ps19960\"> we deem to<span class=\"f ps2\"> </span></span></div><div class=\"ps19948 ss1750\"><span class=\"f charStyle-8d4b9b37 ps12089\"> have no legal<span class=\"f ps2\"> </span></span></div><div class=\"ps19950 ss1750\"><span class=\"f charStyle-8d4b9b37 ps12150\"> credit<span class=\"f ps2\"> </span></span></div><div class=\"ps19951 ss1750\"><span class=\"f charStyle-8d4b9b37 ps11762\"> exposure<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps4241 ss2217\"><div><div class=\"ps19950 ss844\"><span class=\"f charStyle-a26246ce ps19961\">Total<span class=\"f ps2\"> </span></span></div><div class=\"ps19951 ss844\"><span class=\"f charStyle-a26246ce ps11404\">assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps362 ss2218\"><div><div class=\"ps4014 ss22\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1002 ss2219\"><div><div class=\"ps997 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cash and balances at central banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps19962 ss1843\"><div><div class=\"ps997 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.72pt\"></span></span><span class=\"ps14106\">3\u00a0174<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps19963 ss1350\"><div><div class=\"ps997 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps19965 ss849\"><div><div class=\"ps997 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.22pt\"></span></span><span class=\"ps19964\">3\u00a0174<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps19966 ss1350\"><div><div class=\"ps997 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps19967 ss1843\"><div><div class=\"ps997 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps19968 ss849\"><div><div class=\"ps997 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.22pt\"></span></span><span class=\"ps19964\">3\u00a0174<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2492 ss2220\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19970 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.26pt\"></span></span><span class=\"ps19969\">801<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19971 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19973 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.76pt\"></span></span><span class=\"ps19972\">801<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19974 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19975 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19976 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.76pt\"></span></span><span class=\"ps19972\">801<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps192 ss2221\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">Reverse repurchase agreements and cash collateral <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">on securities borrowed</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19977 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.72pt\"></span></span><span class=\"ps14106\">1\u00a0885<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19978 ss1506\"><div><div class=\"ps469 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19979 ss867\"><div><div class=\"ps469 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.22pt\"></span></span><span class=\"ps19964\">1\u00a0885<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19980 ss1506\"><div><div class=\"ps469 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19981 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps4262 ss867\"><div><div class=\"ps469 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.22pt\"></span></span><span class=\"ps19964\">1\u00a0885<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps218 ss2220\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19982 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.24pt\"></span></span><span class=\"ps12375\">3\u00a0688<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19983 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19984 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.74pt\"></span></span><span class=\"ps10265\">3\u00a0688<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19985 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19986 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19987 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.74pt\"></span></span><span class=\"ps10265\">3\u00a0688<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1353 ss2220\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">Bank debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19988 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.18pt\"></span></span><span class=\"ps10156\">474<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19989 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19990 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.68pt\"></span></span><span class=\"ps5563\">474<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19991 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19992 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19993 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.68pt\"></span></span><span class=\"ps5563\">474<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps45 ss2220\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19994 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.08pt\"></span></span><span class=\"ps6204\">1\u00a0118<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19995 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.77pt\"></span></span><span class=\"ps14062\">42<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19996 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.45pt\"></span></span><span class=\"ps16000\">1\u00a0076<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19231 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19997 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps19999 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.58pt\"></span></span><span class=\"ps19998\">1\u00a0118<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2367 ss2220\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20000 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.92pt\"></span></span><span class=\"ps11491\">354<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20001 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.17pt\"></span></span><span class=\"ps13577\">354<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20003 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.78pt\"></span></span><span class=\"ps20002\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20004 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20005 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20007 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.42pt\"></span></span><span class=\"ps20006\">354<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2368 ss2220\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securities arising from trading activities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20008 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20009 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20010 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.78pt\"></span></span><span class=\"ps20002\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20011 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20013 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.63pt\"></span></span><span class=\"ps20012\">45<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20015 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.13pt\"></span></span><span class=\"ps20014\">45<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2372 ss2220\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20016 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.48pt\"></span></span><span class=\"ps19675\">18\u00a0011<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20017 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.28pt\"></span></span><span class=\"ps15559\">809<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20018 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.88pt\"></span></span><span class=\"ps19541\">17\u00a0202<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20020 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.05pt\"></span></span><span class=\"ps20019\">(207)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20021 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20023 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.75pt\"></span></span><span class=\"ps20022\">17\u00a0804<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2376 ss2220\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">Fair value adjustment for asset portfolio hedged risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20024 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20025 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20026 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.78pt\"></span></span><span class=\"ps20002\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20027 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20029 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.28pt\"></span></span><span class=\"ps20028\">(21)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20030 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">(21)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2380 ss2220\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20032 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.41pt\"></span></span><span class=\"ps20031\">114<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20033 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20034 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.91pt\"></span></span><span class=\"ps14910\">114<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20035 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20036 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20037 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.91pt\"></span></span><span class=\"ps14910\">114<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11192 ss2220\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other securitised assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20038 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20039 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20040 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.78pt\"></span></span><span class=\"ps20002\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20041 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20042 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20043 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.78pt\"></span></span><span class=\"ps20002\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11201 ss2220\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20044 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20045 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20046 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.78pt\"></span></span><span class=\"ps20002\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20047 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20049 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.31pt\"></span></span><span class=\"ps20048\">414*<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20050 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.56pt\"></span></span><span class=\"ps11706\">414<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps19285 ss2221\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interest in associated undertakings <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">and joint venture holdings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20051 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20052 ss1506\"><div><div class=\"ps469 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20053 ss867\"><div><div class=\"ps469 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.78pt\"></span></span><span class=\"ps20002\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19292 ss1506\"><div><div class=\"ps469 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20054 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.17pt\"></span></span><span class=\"ps12093\">852<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20055 ss867\"><div><div class=\"ps469 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.67pt\"></span></span><span class=\"ps11540\">852<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9274 ss2220\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">Current taxation assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20056 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20057 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20058 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.78pt\"></span></span><span class=\"ps20002\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19303 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20060 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.6pt\"></span></span><span class=\"ps20059\">80<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20061 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.1pt\"></span></span><span class=\"ps11874\">80<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9280 ss2220\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deferred taxation assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20062 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20063 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20064 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.78pt\"></span></span><span class=\"ps20002\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20065 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20067 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.85pt\"></span></span><span class=\"ps20066\">73<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20068 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.35pt\"></span></span><span class=\"ps13630\">73<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8460 ss2220\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20070 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.75pt\"></span></span><span class=\"ps20069\">59<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20071 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20073 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.25pt\"></span></span><span class=\"ps20072\">59<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20074 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20076 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.59pt\"></span></span><span class=\"ps20075\">848^<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20077 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.89pt\"></span></span><span class=\"ps16222\">907<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2406 ss2220\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">Property and equipment<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20078 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20079 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20080 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.78pt\"></span></span><span class=\"ps20002\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20081 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20082 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.38pt\"></span></span><span class=\"ps11510\">150<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20083 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.88pt\"></span></span><span class=\"ps8418\">150<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8482 ss2220\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">Goodwill<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20084 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20085 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20086 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.78pt\"></span></span><span class=\"ps20002\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20087 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20089 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.99pt\"></span></span><span class=\"ps20088\">76<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20090 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.49pt\"></span></span><span class=\"ps1692\">76<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9297 ss2220\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">Software<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20091 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20092 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20093 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.78pt\"></span></span><span class=\"ps20002\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20094 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20095 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.87pt\"></span></span><span class=\"ps12413\">12<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20096 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.37pt\"></span></span><span class=\"ps17611\">12<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9302 ss2220\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total on-balance sheet exposures<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20097 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.55pt\"></span></span><span class=\"ps14986\">29\u00a0678<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20098 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.45pt\"></span></span><span class=\"ps16111\">1\u00a0205<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20099 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.93pt\"></span></span><span class=\"ps10152\">28\u00a0473<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20100 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.16pt\"></span></span><span class=\"ps1674\">(207)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20101 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.36pt\"></span></span><span class=\"ps3441\">2\u00a0529<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps20102 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.94pt\"></span></span><span class=\"ps3718\">32\u00a0000<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9308 ss2220\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">Guarantees<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20103 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.63pt\"></span></span><span class=\"ps20012\">82<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20104 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20105 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.13pt\"></span></span><span class=\"ps20014\">82<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20106 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.53pt\"></span></span><span class=\"ps8462\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20107 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20108 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.13pt\"></span></span><span class=\"ps20014\">82<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps9313 ss2221\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">Committed facilities related to loans and advances <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss22\"><span class=\"f charStyle-2b0f4fe0 ps7\">to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20109 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.59pt\"></span></span><span class=\"ps9383\">2\u00a0801<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20110 ss1506\"><div><div class=\"ps469 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.55pt\"></span></span><span class=\"ps8361\">126<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20111 ss867\"><div><div class=\"ps469 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.36pt\"></span></span><span class=\"ps3441\">2\u00a0675<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20112 ss1506\"><div><div class=\"ps469 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.87pt\"></span></span><span class=\"ps12413\">(9)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20113 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20114 ss867\"><div><div class=\"ps469 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.25pt\"></span></span><span class=\"ps12501\">2\u00a0792<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps20116 ss2220\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-9458d4de ps7\">Contingent liabilities, letters of credit and other</span><span class=\"f charStyle-70e7a25b ps20115\"><span class=\"f ps2\"> </span><sup>^^</sup></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20117 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.65pt\"></span></span><span class=\"ps12143\">716<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20118 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.17pt\"></span></span><span class=\"ps13577\">409<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20119 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.75pt\"></span></span><span class=\"ps18425\">307<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20121 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.1pt\"></span></span><span class=\"ps20120\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20123 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.27pt\"></span></span><span class=\"ps20122\">135<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20124 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.64pt\"></span></span><span class=\"ps11929\">850<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20125 ss2220\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total off-balance sheet exposures<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20126 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.91pt\"></span></span><span class=\"ps9536\">3\u00a0599<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20127 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.96pt\"></span></span><span class=\"ps10225\">535<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20128 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.95pt\"></span></span><span class=\"ps9521\">3\u00a0064<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20129 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.67pt\"></span></span><span class=\"ps14912\">(10)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20130 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.87pt\"></span></span><span class=\"ps13889\">135<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps20131 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.88pt\"></span></span><span class=\"ps16895\">3\u00a0724<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19834 ss2220\"><div><div class=\"ps815 ss22\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total exposures<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20132 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.06pt\"></span></span><span class=\"ps14259\">33\u00a0277<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20134 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.46pt\"></span></span><span class=\"ps20133\">1\u00a0740<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20135 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.24pt\"></span></span><span class=\"ps17467\">31\u00a0537<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20136 ss939\"><div><div class=\"ps815 ss936\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.65pt\"></span></span><span class=\"ps12208\">(217)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20137 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.88pt\"></span></span><span class=\"ps9399\">2\u00a0664<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20138 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.05pt\"></span></span><span class=\"ps3965\">35\u00a0724<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps20140 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Relates to exposures that are classified as investment risk.</span></span></div><div class=\"ps20141 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">Other assets include settlement debtors which we deem to have no credit risk exposure as they are settled on a delivery against payment basis.</span></span></div><div class=\"ps20142 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^^<span style=\"display:inline-block;height:5.81pt;width:8.83pt\"></span></span><span class=\"ps968\">Includes the notional exposure to credit risk resulting from credit derivative instruments of \u00a3403 million.</span></span></div><div class=\"ps20143 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps23\">Note: The above numbers may not cast due to rounding.</span></div></div><div><div class=\"ps181 ss8\"><div class=\"ss2222 ws0 ps20146\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:302.25pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss2223\"><div><div class=\"ps20145 ss2222\"><span class=\"f charStyle-8148111c ps7\">A further analysis of gross credit and counterparty exposures (continued)<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20339 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:176.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:33pt\"><td style=\"padding:0\"><div class=\"ps19 ss2225\"><div><div class=\"ps12527 ss2224\"><span class=\"f charStyle-a26246ce ps7\">At 31 March 2025\u02c6<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20147 ss2226\"><div><div class=\"ps11638 ss818\"><span class=\"f charStyle-8d4b9b37 ps16883\">Total gross<span class=\"f ps2\"> </span></span></div><div class=\"ps11633 ss818\"><span class=\"f charStyle-8d4b9b37 ps10480\"> credit and<span class=\"f ps2\"> </span></span></div><div class=\"ps11622 ss818\"><span class=\"f charStyle-8d4b9b37 ps19047\"> counterparty<span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss818\"><span class=\"f charStyle-8d4b9b37 ps15059\"> exposure<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20148 ss2226\"><div><div class=\"ps11622 ss818\"><span class=\"f charStyle-8d4b9b37 ps12407\">of which<span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss818\"><span class=\"f charStyle-8d4b9b37 ps10018\"> FVPL<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps18785 ss2226\"><div><div class=\"ps11638 ss818\"><span class=\"f charStyle-8d4b9b37 ps12407\">of which<span class=\"f ps2\"> </span></span></div><div class=\"ps11633 ss818\"><span class=\"f charStyle-8d4b9b37 ps20149\"> amortised<span class=\"f ps2\"> </span></span></div><div class=\"ps11622 ss818\"><span class=\"f charStyle-8d4b9b37 ps14230\"> cost and<span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss818\"><span class=\"f charStyle-8d4b9b37 ps20150\"> FVOCI<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19873 ss2227\"><div><div class=\"ps11624 ss1750\"><span class=\"f charStyle-8d4b9b37 ps20151\">ECL<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13839 ss2226\"><div><div class=\"ps11636 ss818\"><span class=\"f charStyle-8d4b9b37 ps179\">Assets that<span class=\"f ps2\"> </span></span></div><div class=\"ps11638 ss818\"><span class=\"f charStyle-8d4b9b37 ps20152\"> we deem to<span class=\"f ps2\"> </span></span></div><div class=\"ps11633 ss818\"><span class=\"f charStyle-8d4b9b37 ps20153\"> have no legal<span class=\"f ps2\"> </span></span></div><div class=\"ps11622 ss818\"><span class=\"f charStyle-8d4b9b37 ps20154\"> credit<span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss818\"><span class=\"f charStyle-8d4b9b37 ps15059\"> exposure<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps13841 ss2228\"><div><div class=\"ps11622 ss1310\"><span class=\"f charStyle-a26246ce ps12700\">Total<span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss1310\"><span class=\"f charStyle-a26246ce ps13789\">assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps1201 ss2229\"><div><div class=\"ps4014 ss2224\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3516 ss2230\"><div><div class=\"ps997 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cash and balances at central banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps20156 ss2231\"><div><div class=\"ps997 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20155\">4\u00a0192<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps20158 ss2231\"><div><div class=\"ps997 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps20159 ss2231\"><div><div class=\"ps997 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20155\">4\u00a0192<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps20161 ss1843\"><div><div class=\"ps997 ss1750\"><span class=\"f charStyle-2b0f4fe0 ps20160\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps20162 ss2231\"><div><div class=\"ps997 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps20164 ss1314\"><div><div class=\"ps997 ss1310\"><span class=\"f charStyle-2b0f4fe0 ps20163\">4\u00a0192<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4077 ss2232\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20165 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps433\">860<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20166 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20167 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps433\">860<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20168 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0 ps20160\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20169 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20171 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0 ps20170\">860<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps6738 ss2233\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">Reverse repurchase agreements and cash <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">collateral on securities borrowed<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20172 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0 ps11590\">1\u00a0641<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20173 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0 ps9363\">56<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20174 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20019\">1\u00a0585<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20175 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0 ps20160\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13866 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13867 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0 ps13887\">1\u00a0641<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1018 ss2232\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20177 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20176\">2\u00a0525<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20178 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20179 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20176\">2\u00a0525<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20180 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0 ps20160\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20181 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20183 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0 ps20182\">2\u00a0525<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1022 ss2232\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">Bank debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20185 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20184\">324<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20186 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20187 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20184\">324<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20188 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0 ps20160\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20189 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20191 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0 ps20190\">324<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12075 ss2232\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20192 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps11445\">772<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20193 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps16721\">50<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20195 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20194\">722<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20197 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0 ps20196\">(1)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20198 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20200 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0 ps20199\">771<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps341 ss2232\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20201 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps10464\">288<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20202 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps10464\">288<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20203 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20204 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0 ps20160\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20206 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20205\">11<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20207 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0 ps19131\">299<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11712 ss2232\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securities arising from trading activities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20209 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20208\">1<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20210 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20208\">1<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20211 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20212 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0 ps20160\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20214 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20213\">149<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20216 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0 ps20215\">150<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps49 ss2232\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20217 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps14030\">16\u00a0990<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20219 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20218\">572<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20220 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps12200\">16\u00a0418<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20221 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0 ps5897\">(176)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20222 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20224 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0 ps20223\">16\u00a0814<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11737 ss2232\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20226 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20225\">139<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20227 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20228 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20225\">139<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20229 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0 ps20160\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20230 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20231 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0 ps16891\">139<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3338 ss2232\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other securitised assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20232 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20233 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20234 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20235 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0 ps20160\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20236 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20238 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0 ps20237\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13372 ss2232\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment portfolio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20239 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20240 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20241 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20242 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0 ps20160\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20243 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps12946\">348*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20244 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0 ps14082\">348<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps13378 ss2233\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interest in associated undertakings <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">and joint venture holdings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20245 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20246 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20247 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20248 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0 ps20160\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20249 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0 ps11889\">832<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20251 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0 ps20250\">832<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1054 ss2232\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">Current taxation assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20252 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20253 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20254 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20255 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0 ps20160\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20256 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps9363\">25<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20257 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0 ps13852\">25<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1058 ss2232\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deferred taxation assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20258 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20259 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20260 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20261 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0 ps20160\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13942 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps4268\">121<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13943 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0 ps20262\">121<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1062 ss2232\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20264 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20263\">28<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20265 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20266 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20263\">28<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20267 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0 ps20160\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20268 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps15346\">624**<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20270 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0 ps20269\">652<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1066 ss2232\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">Property and equipment<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20271 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20272 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20273 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20274 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0 ps20160\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20275 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps9363\">59<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20276 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0 ps13852\">59<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1070 ss2232\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">Goodwill<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20277 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20278 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20279 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20280 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0 ps20160\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20281 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20263\">68<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20283 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0 ps20282\">68<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps20284 ss2232\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">Software<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20285 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20286 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20287 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20288 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0 ps20160\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20290 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20289\">5<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20292 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0 ps20291\">5<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20293 ss2232\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total on-balance sheet exposures<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20294 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5 ps12488\">27\u00a0760<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20296 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5 ps20295\">967<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20297 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5 ps10540\">26\u00a0793<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20298 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5 ps11512\">(177)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20300 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5 ps20299\">2\u00a0241<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps20301 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5 ps15467\">29\u00a0824<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps20302 ss2232\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">Guarantees<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20304 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20303\">108<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20305 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20306 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20303\">108<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20307 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0 ps20160\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20308 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20310 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0 ps20309\">108<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps20311 ss2233\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">Committed facilities related to loans and <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss2224\"><span class=\"f charStyle-2b0f4fe0 ps7\">advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20312 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0 ps7426\">2\u00a0477<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20313 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0 ps12368\">165<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20314 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0 ps14784\">2\u00a0312<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20315 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0 ps16610\">(8)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20316 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20157\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20317 ss1836\"><div><div class=\"ps469 ss1310\"><span class=\"f charStyle-2b0f4fe0 ps5893\">2\u00a0469<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps938 ss2232\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-9458d4de ps7\">Contingent liabilities, letters of credit and other</span><span class=\"f charStyle-70e7a25b ps20115\"><span class=\"f ps2\"> </span><sup>#</sup></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20318 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps880\">800<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20319 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20184\">349<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20320 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps1664\">451<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20321 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0 ps4268\">(2)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20322 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0 ps20225\">139<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20323 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-2b0f4fe0 ps4296\">937<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps943 ss2232\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total off-balance sheet exposures<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20324 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5 ps16077\">3\u00a0385<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20325 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5 ps20031\">514<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20326 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5 ps17536\">2\u00a0871<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20328 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5 ps20327\">(10)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20329 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5 ps14991\">139<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps20330 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5 ps19133\">3\u00a0514<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps9873 ss2232\"><div><div class=\"ps815 ss2224\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total exposures<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20331 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5 ps12973\">31\u00a0145<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20332 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5 ps14876\">1\u00a0481<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20333 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5 ps15456\">29\u00a0664<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20335 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5 ps20334\">(187)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20337 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5 ps20336\">2\u00a0380<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps20338 ss1805\"><div><div class=\"ps815 ss1310\"><span class=\"f charStyle-b7f6e8e5 ps17019\">33\u00a0338<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps20340 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Relates to exposures that are classified as investment risk.</span></span></div><div class=\"ps20341 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">**<span style=\"display:inline-block;height:5.81pt;width:8.17pt\"></span></span><span class=\"ps968\">Other assets include settlement debtors which we deem to have no credit risk exposure as they are settled on a delivery against payment basis.</span></span></div><div class=\"ps20342 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-3e468f6d ps14678\"><sup>#</sup></span><span class=\"f charStyle-207fba8f\"><span class=\"ps14679\"><span style=\"display:inline-block;height:5.81pt;width:11.71pt\"></span></span><span class=\"ps968\">Includes the notional exposure to credit risk resulting from credit derivative instruments of \u00a3339 million.</span></span></div><div class=\"ps20343 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span></span><span class=\"f charStyle-207fba8f ps968\">Re-presented as detailed on page 167.</span></div></div><div><div class=\"ps181 ss8\"><div class=\"ss2152 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:18.75pt\"></td><td style=\"padding:0;width:309pt\"></td></tr><tr style=\"height:18.75pt\"><td style=\"padding:0\"><div class=\"ps19 ss2235\"><div><div class=\"ps28 ss740\"><div class=\"ps18454\"><div class=\"ps19\"><img alt=\"Unaudited_information.svg\" id=\"i-187\" src=\"data:image/svg+xml;base64,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\" style=\"height:13.52pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps3212 ss2236\"><div><div class=\"ps20345 ss2150\"><span class=\"f charStyle-8148111c ps7\">Gross credit and counterparty exposures by industry<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20644 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:139.5pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td></tr><tr style=\"height:33pt\"><td style=\"padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20348 ss2227\"><div><div class=\"ps11636 ss1750\"><span class=\"f charStyle-8d4b9b37 ps20346\">High net<span class=\"f ps2\"> </span></span></div><div class=\"ps11638 ss1750\"><span class=\"f charStyle-8d4b9b37 ps10477\"> worth and<span class=\"f ps2\"> </span></span></div><div class=\"ps11633 ss1750\"><span class=\"f charStyle-8d4b9b37 ps13491\"> other<span class=\"f ps2\"> </span></span></div><div class=\"ps11622 ss1750\"><span class=\"f charStyle-8d4b9b37 ps17007\"> professional<span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss1750\"><span class=\"f charStyle-8d4b9b37 ps20347\"> individuals<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3407 ss2227\"><div><div class=\"ps11633 ss1750\"><span class=\"f charStyle-8d4b9b37 ps15239\">Lending<span class=\"f ps2\"> </span></span></div><div class=\"ps11622 ss1750\"><span class=\"f charStyle-8d4b9b37 ps16388\"> collateralised<span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss1750\"><span class=\"f charStyle-8d4b9b37 ps16092\"> by property<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20350 ss2227\"><div><div class=\"ps11624 ss1750\"><span class=\"f charStyle-8d4b9b37 ps20349\">Agriculture<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20352 ss2227\"><div><div class=\"ps11638 ss1750\"><span class=\"f charStyle-8d4b9b37 ps20351\">Electricity,<span class=\"f ps2\"> </span></span></div><div class=\"ps11633 ss1750\"><span class=\"f charStyle-8d4b9b37 ps16526\"> gas and<span class=\"f ps2\"> </span></span></div><div class=\"ps11622 ss1750\"><span class=\"f charStyle-8d4b9b37 ps14225\"> water (utility<span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss1750\"><span class=\"f charStyle-8d4b9b37 ps4321\"> services)<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20354 ss2227\"><div><div class=\"ps11633 ss1750\"><span class=\"f charStyle-8d4b9b37 ps4135\">Public and<span class=\"f ps2\"> </span></span></div><div class=\"ps11622 ss1750\"><span class=\"f charStyle-8d4b9b37 ps20353\"> non-business<span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss1750\"><span class=\"f charStyle-8d4b9b37 ps5429\"> services<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps13497 ss2227\"><div><div class=\"ps11622 ss1750\"><span class=\"f charStyle-8d4b9b37 ps13036\">Business<span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss1750\"><span class=\"f charStyle-8d4b9b37 ps5429\"> services<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20356 ss2227\"><div><div class=\"ps11622 ss1750\"><span class=\"f charStyle-8d4b9b37 ps20355\">Finance and<span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss1750\"><span class=\"f charStyle-8d4b9b37 ps12499\"> insurance<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps1201 ss2238\"><div><div class=\"ps4014 ss2237\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3516 ss2239\"><div><div class=\"ps809 ss2237\"><span class=\"f charStyle-a26246ce ps7\">At 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3520 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cash and balances at central banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20357 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20358 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20359 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20360 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20361 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.72pt\"></span></span><span class=\"ps14106\">3\u00a0174<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20362 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20363 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps5 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20364 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20365 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20366 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20367 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20368 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20369 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20370 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.26pt\"></span></span><span class=\"ps19969\">801<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps3527 ss2240\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Reverse repurchase agreements and <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">cash collateral on securities borrowed<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20371 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20372 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20373 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20374 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20375 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13530 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps13532 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.72pt\"></span></span><span class=\"ps14106\">1\u00a0885<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3612 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20376 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20377 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20378 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20379 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20380 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.34pt\"></span></span><span class=\"ps12186\">3\u00a0650<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20381 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20383 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.49pt\"></span></span><span class=\"ps20382\">38<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3617 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Bank debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20384 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20385 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20386 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20387 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20388 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20389 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20390 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.18pt\"></span></span><span class=\"ps10156\">474<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4577 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20391 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20392 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20393 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20394 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.56pt\"></span></span><span class=\"ps12034\">7<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20396 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.07pt\"></span></span><span class=\"ps20395\">3<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20397 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.56pt\"></span></span><span class=\"ps12034\">7<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20399 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.95pt\"></span></span><span class=\"ps20398\">1\u00a0076<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1361 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20400 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20401 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20402 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20403 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.21pt\"></span></span><span class=\"ps16603\">9<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20404 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20405 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.21pt\"></span></span><span class=\"ps16603\">6<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20407 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.13pt\"></span></span><span class=\"ps20406\">301<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps13728 ss2240\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securities arising from <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">trading activities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20408 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20409 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20410 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20411 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20412 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20413 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20414 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15276 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20416 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.61pt\"></span></span><span class=\"ps20415\">6\u00a0273<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20417 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.51pt\"></span></span><span class=\"ps9583\">2\u00a0529<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20418 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.36pt\"></span></span><span class=\"ps14039\">33<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20420 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.91pt\"></span></span><span class=\"ps20419\">838<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20421 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.92pt\"></span></span><span class=\"ps11491\">345<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20422 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.3pt\"></span></span><span class=\"ps15517\">916<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20423 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.23pt\"></span></span><span class=\"ps10314\">2\u00a0533<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15286 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20424 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20425 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20426 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20427 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20428 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20429 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20430 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.41pt\"></span></span><span class=\"ps20031\">114<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15299 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other securitised assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20431 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20432 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20433 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20434 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20435 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20436 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20437 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4599 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20438 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20439 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20440 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20441 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20442 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20443 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20444 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.72pt\"></span></span><span class=\"ps11072\">50<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15567 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total on-balance sheet exposures<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20445 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.51pt\"></span></span><span class=\"ps9934\">6\u00a0273<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20446 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.36pt\"></span></span><span class=\"ps3441\">2\u00a0529<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20447 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.43pt\"></span></span><span class=\"ps856\">33<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20448 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.45pt\"></span></span><span class=\"ps17513\">854<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20449 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.27pt\"></span></span><span class=\"ps12280\">7\u00a0172<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20450 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.69pt\"></span></span><span class=\"ps10044\">929<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20451 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.22pt\"></span></span><span class=\"ps19964\">7\u00a0272<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15568 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Guarantees<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20453 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.73pt\"></span></span><span class=\"ps20452\">13<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20455 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.44pt\"></span></span><span class=\"ps20454\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20456 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20457 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20458 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20459 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20460 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.75pt\"></span></span><span class=\"ps20069\">65<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps15569 ss2240\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Committed facilities related to loans <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20462 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.06pt\"></span></span><span class=\"ps20461\">268<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20464 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.04pt\"></span></span><span class=\"ps20463\">352<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20465 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20466 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.81pt\"></span></span><span class=\"ps13847\">436<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20467 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.63pt\"></span></span><span class=\"ps20012\">68<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20469 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.39pt\"></span></span><span class=\"ps20468\">113<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20470 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.41pt\"></span></span><span class=\"ps8357\">978<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps8902 ss2240\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Contingent liabilities, letters of credit <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">and other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20472 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.52pt\"></span></span><span class=\"ps20471\">24<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20473 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20474 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20475 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.3pt\"></span></span><span class=\"ps15517\">126<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20476 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20477 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20478 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.06pt\"></span></span><span class=\"ps20461\">546<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14500 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total off-balance sheet exposures<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20480 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.38pt\"></span></span><span class=\"ps20479\">305<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20481 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.6pt\"></span></span><span class=\"ps15465\">353<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20483 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.81pt\"></span></span><span class=\"ps20482\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20485 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.81pt\"></span></span><span class=\"ps20484\">562<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20486 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.41pt\"></span></span><span class=\"ps18400\">68<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20488 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.03pt\"></span></span><span class=\"ps20487\">113<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20489 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.18pt\"></span></span><span class=\"ps11704\">1\u00a0589<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14511 ss2240\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total gross credit and counterparty <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss2237\"><span class=\"f charStyle-b7f6e8e5 ps7\">exposures<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20490 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.39pt\"></span></span><span class=\"ps11675\">6\u00a0578<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20491 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.24pt\"></span></span><span class=\"ps11672\">2\u00a0882<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20492 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.43pt\"></span></span><span class=\"ps856\">33<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20493 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.21pt\"></span></span><span class=\"ps18557\">1\u00a0416<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20494 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.16pt\"></span></span><span class=\"ps16126\">7\u00a0240<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20495 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.95pt\"></span></span><span class=\"ps12178\">1\u00a0042<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20496 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.06pt\"></span></span><span class=\"ps12503\">8\u00a0861<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps15366 ss2239\"><div><div class=\"ps809 ss2237\"><span class=\"f charStyle-ef17fa27 ps7\"> At 31 March 2025</span><span class=\"f charStyle-d8bac126 ps20497\"><sup>^</sup></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15378 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cash and balances at central banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20498 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20499 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20500 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20501 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20502 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.51pt\"></span></span><span class=\"ps5508\">4\u00a0192<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20503 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20504 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2426 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20505 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20506 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20507 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20508 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20509 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20510 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20511 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.03pt\"></span></span><span class=\"ps609\">860<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps12310 ss2240\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Reverse repurchase agreements and <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">cash collateral on securities borrowed<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20512 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20513 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20514 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20515 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20516 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20517 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20518 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.74pt\"></span></span><span class=\"ps11937\">1\u00a0641<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15398 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20519 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20520 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20521 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20522 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20523 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.26pt\"></span></span><span class=\"ps9999\">2\u00a0366<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20524 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20526 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.41pt\"></span></span><span class=\"ps20525\">159<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps20527 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Bank debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20528 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20529 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20530 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20531 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20532 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20533 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20534 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.81pt\"></span></span><span class=\"ps13847\">324<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps20535 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20536 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20537 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20538 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20539 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20540 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.21pt\"></span></span><span class=\"ps16603\">2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20541 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.98pt\"></span></span><span class=\"ps19077\">15<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20542 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.06pt\"></span></span><span class=\"ps20461\">689<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9891 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20543 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20544 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.21pt\"></span></span><span class=\"ps16603\">2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20545 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.44pt\"></span></span><span class=\"ps20454\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20547 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.84pt\"></span></span><span class=\"ps20546\">10<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20548 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.44pt\"></span></span><span class=\"ps20454\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20549 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.87pt\"></span></span><span class=\"ps12413\">16<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20550 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.3pt\"></span></span><span class=\"ps15517\">216<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps12327 ss2240\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securities arising from <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">trading activities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20551 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20552 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20553 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20554 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20555 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20556 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20557 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.44pt\"></span></span><span class=\"ps20454\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps20558 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20559 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.73pt\"></span></span><span class=\"ps11367\">5\u00a0861<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20561 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.47pt\"></span></span><span class=\"ps20560\">2\u00a0373<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20563 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.61pt\"></span></span><span class=\"ps20562\">20<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20564 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.4pt\"></span></span><span class=\"ps16677\">851<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20565 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.05pt\"></span></span><span class=\"ps9970\">288<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20566 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.18pt\"></span></span><span class=\"ps16309\">914<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20567 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.51pt\"></span></span><span class=\"ps5508\">2\u00a0461<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps20568 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20569 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20570 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20571 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20572 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20573 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20574 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20575 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.16pt\"></span></span><span class=\"ps2275\">139<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps20576 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other securitised assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20577 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20578 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20579 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20580 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20581 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20582 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20583 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps20584 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20585 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20586 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20587 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20588 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20589 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20590 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20591 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.64pt\"></span></span><span class=\"ps12571\">26<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#f5f4f2;padding:0\"><div class=\"ps20592 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total on-balance sheet exposures<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f4f2;padding:0\"><div class=\"ps20593 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.18pt\"></span></span><span class=\"ps11704\">5\u00a0861<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f4f2;padding:0\"><div class=\"ps20594 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.63pt\"></span></span><span class=\"ps19212\">2\u00a0375<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f4f2;padding:0\"><div class=\"ps20595 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.92pt\"></span></span><span class=\"ps15257\">21<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f4f2;padding:0\"><div class=\"ps20596 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.74pt\"></span></span><span class=\"ps12690\">861<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f4f2;padding:0\"><div class=\"ps20598 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.65pt\"></span></span><span class=\"ps20597\">6\u00a0849<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f4f2;padding:0\"><div class=\"ps20599 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.45pt\"></span></span><span class=\"ps17513\">945<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f4f2;padding:0\"><div class=\"ps20600 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.18pt\"></span></span><span class=\"ps11704\">6\u00a0516<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps20601 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Guarantees<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20602 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.75pt\"></span></span><span class=\"ps2315\">14<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20603 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20604 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20605 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20606 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20607 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20608 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.85pt\"></span></span><span class=\"ps20066\">73<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps20609 ss2240\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Committed facilities related to loans <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20610 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.07pt\"></span></span><span class=\"ps12429\">226<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20612 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.51pt\"></span></span><span class=\"ps20611\">371<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20613 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20614 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.81pt\"></span></span><span class=\"ps13847\">493<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20615 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.87pt\"></span></span><span class=\"ps16891\">47<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20616 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.52pt\"></span></span><span class=\"ps20471\">94<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20617 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.42pt\"></span></span><span class=\"ps14045\">762<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps20618 ss2240\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">Contingent liabilities, letters of credit <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss2237\"><span class=\"f charStyle-2b0f4fe0 ps7\">and other<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20620 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.5pt\"></span></span><span class=\"ps20619\">39<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20621 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20622 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20623 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.28pt\"></span></span><span class=\"ps17141\">237<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20624 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20625 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.28pt\"></span></span><span class=\"ps13541\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20627 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.82pt\"></span></span><span class=\"ps20626\">484<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20628 ss2239\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total off-balance sheet exposures<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20629 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.18pt\"></span></span><span class=\"ps13914\">279<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20630 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.24pt\"></span></span><span class=\"ps11783\">371<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20631 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.81pt\"></span></span><span class=\"ps20482\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20632 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.75pt\"></span></span><span class=\"ps18425\">730<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20633 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.77pt\"></span></span><span class=\"ps14062\">47<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20634 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.28pt\"></span></span><span class=\"ps20028\">94<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20635 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.35pt\"></span></span><span class=\"ps14229\">1\u00a0319<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20636 ss2240\"><div><div class=\"ps815 ss2237\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total gross credit and counterparty <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss2237\"><span class=\"f charStyle-b7f6e8e5 ps7\">exposures<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20637 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.72pt\"></span></span><span class=\"ps8474\">6\u00a0140<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20638 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.37pt\"></span></span><span class=\"ps14235\">2\u00a0746<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20639 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.92pt\"></span></span><span class=\"ps15257\">21<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20640 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.46pt\"></span></span><span class=\"ps3969\">1\u00a0591<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20641 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.78pt\"></span></span><span class=\"ps15053\">6\u00a0896<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20642 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.86pt\"></span></span><span class=\"ps15448\">1\u00a0039<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20643 ss1837\"><div><div class=\"ps469 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.4pt\"></span></span><span class=\"ps17622\">7\u00a0835<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps20645 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span></span><span class=\"f charStyle-207fba8f ps968\">Re-presented as detailed on page 167.<span class=\"f ps2\"> </span></span></div></div><div><div class=\"ps181 ss8\"><div class=\"ss2152 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:18.75pt\"></td><td style=\"padding:0;width:309pt\"></td></tr><tr style=\"height:18.75pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps20644 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:42pt\"></td><td style=\"padding:0;width:42pt\"></td><td style=\"padding:0;width:42pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:39.75pt\"></td><td style=\"padding:0;width:43.5pt\"></td><td style=\"padding:0;width:42pt\"></td></tr><tr style=\"height:33pt\"><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss2241\"><div><div class=\"ps11633 ss99\"><span class=\"f charStyle-8d4b9b37 ps12587\">Retailers<span class=\"f ps2\"> </span></span></div><div class=\"ps11622 ss99\"><span class=\"f charStyle-8d4b9b37 ps11532\"> and<span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss99\"><span class=\"f charStyle-8d4b9b37 ps8551\"> wholesalers<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20649 ss2226\"><div><div class=\"ps11633 ss818\"><span class=\"f charStyle-8d4b9b37 ps20647\">Manufacturing<span class=\"f ps2\"> </span></span></div><div class=\"ps11622 ss818\"><span class=\"f charStyle-8d4b9b37 ps12165\"> and<span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss818\"><span class=\"f charStyle-8d4b9b37 ps20648\"> commerce<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20651 ss2242\"><div><div class=\"ps11624 ss629\"><span class=\"f charStyle-8d4b9b37 ps20650\">Construction<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20348 ss2243\"><div><div class=\"ps11633 ss281\"><span class=\"f charStyle-8d4b9b37 ps11356\">Other<span class=\"f ps2\"> </span></span></div><div class=\"ps11622 ss281\"><span class=\"f charStyle-8d4b9b37 ps20652\"> residential<span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss281\"><span class=\"f charStyle-8d4b9b37 ps20653\"> mortgages<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps8703 ss2243\"><div><div class=\"ps11633 ss281\"><span class=\"f charStyle-8d4b9b37 ps18878\">Corporate<span class=\"f ps2\"> </span></span></div><div class=\"ps11622 ss281\"><span class=\"f charStyle-8d4b9b37 ps17128\"> commercial<span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss281\"><span class=\"f charStyle-8d4b9b37 ps14530\"> real estate<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20654 ss2243\"><div><div class=\"ps11622 ss281\"><span class=\"f charStyle-8d4b9b37 ps416\">Mining and<span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss281\"><span class=\"f charStyle-8d4b9b37 ps15725\"> resources<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3814 ss2226\"><div><div class=\"ps11633 ss818\"><span class=\"f charStyle-8d4b9b37 ps16126\">Leisure,<span class=\"f ps2\"> </span></span></div><div class=\"ps11622 ss818\"><span class=\"f charStyle-8d4b9b37 ps20353\"> entertainment<span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss818\"><span class=\"f charStyle-8d4b9b37 ps20655\"> and tourism<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14027 ss2244\"><div><div class=\"ps11624 ss1267\"><span class=\"f charStyle-8d4b9b37 ps20656\">Transport<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3634 ss2244\"><div><div class=\"ps11622 ss1267\"><span class=\"f charStyle-8d4b9b37 ps15466\">Motor <span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss1267\"><span class=\"f charStyle-8d4b9b37 ps20657\">finance<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps4129 ss2245\"><div><div class=\"ps11622 ss2002\"><span class=\"f charStyle-8d4b9b37 ps11215\">Com-<span class=\"f ps2\"> </span></span></div><div class=\"ps11624 ss2002\"><span class=\"f charStyle-8d4b9b37 ps6977\">munication<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20659 ss2243\"><div><div class=\"ps11624 ss281\"><span class=\"f charStyle-a26246ce ps20658\">Total<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td colspan=\"11\" style=\"display:none\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3520 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20660 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20661 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20357 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20663 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20664 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20665 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20667 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20668 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20669 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.03pt\"></span></span><span class=\"ps20487\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20670 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.97pt\"></span></span><span class=\"ps3510\">3\u00a0174<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps5 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20671 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20672 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20364 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20673 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20674 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20675 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20676 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20677 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20678 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.03pt\"></span></span><span class=\"ps20487\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20679 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.51pt\"></span></span><span class=\"ps5508\">801<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps3527 ss868\"><div><div class=\"ps469 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20680 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20681 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20371 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20682 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20683 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20684 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14056 ss2248\"><div><div class=\"ps469 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20685 ss2248\"><div><div class=\"ps469 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20686 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.03pt\"></span></span><span class=\"ps20487\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20687 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.97pt\"></span></span><span class=\"ps3510\">1\u00a0885<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3612 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20688 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20689 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20376 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20690 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20691 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20692 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20693 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20694 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20695 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.03pt\"></span></span><span class=\"ps20487\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20696 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.49pt\"></span></span><span class=\"ps15646\">3\u00a0688<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3617 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20697 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20698 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20384 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20699 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20700 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20701 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20702 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20703 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20704 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.03pt\"></span></span><span class=\"ps20487\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20705 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.43pt\"></span></span><span class=\"ps12937\">474<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4577 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20706 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20707 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20391 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.81pt\"></span></span><span class=\"ps17512\">7<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20708 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20709 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20710 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20711 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.86pt\"></span></span><span class=\"ps5905\">18<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20712 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20713 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.03pt\"></span></span><span class=\"ps20487\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20715 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.33pt\"></span></span><span class=\"ps20714\">1\u00a0118<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1361 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.71pt\"></span></span><span class=\"ps5541\">9<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20716 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.71pt\"></span></span><span class=\"ps14075\">6<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20718 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.32pt\"></span></span><span class=\"ps20717\">3<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20400 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20719 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20720 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.46pt\"></span></span><span class=\"ps15743\">6<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20721 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20722 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.21pt\"></span></span><span class=\"ps12425\">9<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps1372 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20724 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.07pt\"></span></span><span class=\"ps20723\">5<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20725 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.17pt\"></span></span><span class=\"ps12229\">354<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps13728 ss868\"><div><div class=\"ps469 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20726 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20727 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20408 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20728 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20729 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20730 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20731 ss2248\"><div><div class=\"ps469 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20732 ss2248\"><div><div class=\"ps469 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20733 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.03pt\"></span></span><span class=\"ps20487\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20734 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15276 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.91pt\"></span></span><span class=\"ps11547\">287<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20736 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.8pt\"></span></span><span class=\"ps20735\">916<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20737 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.55pt\"></span></span><span class=\"ps11914\">192<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20416 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16455 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.64pt\"></span></span><span class=\"ps11818\">113<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20738 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.57pt\"></span></span><span class=\"ps16332\">5<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20739 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.02pt\"></span></span><span class=\"ps15454\">118<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20740 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.48pt\"></span></span><span class=\"ps152\">1\u00a0064<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20742 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.83pt\"></span></span><span class=\"ps20741\">1\u00a0109<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20743 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.02pt\"></span></span><span class=\"ps12148\">740<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20744 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.73pt\"></span></span><span class=\"ps11710\">18\u00a0011<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15286 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20745 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20746 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20424 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16464 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20747 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20748 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20749 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20750 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20751 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.03pt\"></span></span><span class=\"ps20487\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20753 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.66pt\"></span></span><span class=\"ps20752\">114<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15299 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20754 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20755 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20431 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16471 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20756 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20757 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20758 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20759 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20760 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.03pt\"></span></span><span class=\"ps20487\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20761 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4599 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20762 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20763 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20438 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16480 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20764 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20765 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20766 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.2pt\"></span></span><span class=\"ps13902\">8<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20767 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20768 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.19pt\"></span></span><span class=\"ps11140\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20769 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27pt\"></span></span><span class=\"ps11950\">59<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15567 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.19pt\"></span></span><span class=\"ps20770\">296<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20771 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.42pt\"></span></span><span class=\"ps14045\">922<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20772 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.11pt\"></span></span><span class=\"ps14826\">195<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20445 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.1pt\"></span></span><span class=\"ps10033\">7<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20773 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.28pt\"></span></span><span class=\"ps11542\">113<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20774 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.22pt\"></span></span><span class=\"ps11592\">11<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20776 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.52pt\"></span></span><span class=\"ps20775\">118<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20777 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.85pt\"></span></span><span class=\"ps9416\">1\u00a0099<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20778 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.13pt\"></span></span><span class=\"ps16572\">1\u00a0109<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20779 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.57pt\"></span></span><span class=\"ps11388\">746<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps20781 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.8pt\"></span></span><span class=\"ps20780\">29\u00a0678<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15568 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20782 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20783 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20453 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20784 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.32pt\"></span></span><span class=\"ps12649\">3<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20785 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20786 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20787 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20788 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20789 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.03pt\"></span></span><span class=\"ps20487\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20790 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.88pt\"></span></span><span class=\"ps14988\">82<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps15569 ss868\"><div><div class=\"ps469 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.34pt\"></span></span><span class=\"ps20791\">10<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20793 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.79pt\"></span></span><span class=\"ps20792\">255<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20794 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.86pt\"></span></span><span class=\"ps11916\">20<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20462 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16486 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.34pt\"></span></span><span class=\"ps11913\">4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20795 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20796 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20797 ss2248\"><div><div class=\"ps469 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.87pt\"></span></span><span class=\"ps13328\">61<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20798 ss2248\"><div><div class=\"ps469 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20799 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.68pt\"></span></span><span class=\"ps14870\">236<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20801 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.84pt\"></span></span><span class=\"ps20800\">2\u00a0801<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps8902 ss868\"><div><div class=\"ps469 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20803 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.23pt\"></span></span><span class=\"ps20802\">13<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20804 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20472 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20805 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20806 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20807 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20809 ss2248\"><div><div class=\"ps469 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.44pt\"></span></span><span class=\"ps20808\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20810 ss2248\"><div><div class=\"ps469 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20812 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.96pt\"></span></span><span class=\"ps20811\">6<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20813 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.9pt\"></span></span><span class=\"ps14763\">716<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps14500 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.98pt\"></span></span><span class=\"ps20814\">10<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20815 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.19pt\"></span></span><span class=\"ps13735\">268<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20817 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.68pt\"></span></span><span class=\"ps20816\">20<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20480 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.06pt\"></span></span><span class=\"ps11782\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20818 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.1pt\"></span></span><span class=\"ps10033\">7<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20819 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.06pt\"></span></span><span class=\"ps11782\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20820 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.31pt\"></span></span><span class=\"ps2711\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20821 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.64pt\"></span></span><span class=\"ps12281\">62<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20822 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.81pt\"></span></span><span class=\"ps16622\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20823 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.54pt\"></span></span><span class=\"ps9697\">242<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps20824 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.16pt\"></span></span><span class=\"ps3714\">3\u00a0599<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14511 ss868\"><div><div class=\"ps469 ss99\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.76pt\"></span></span><span class=\"ps7142\">306<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20825 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.63pt\"></span></span><span class=\"ps12288\">1\u00a0190<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20826 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.34pt\"></span></span><span class=\"ps12222\">215<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20490 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.1pt\"></span></span><span class=\"ps10033\">7<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20827 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.01pt\"></span></span><span class=\"ps15105\">120<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20828 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.22pt\"></span></span><span class=\"ps11592\">11<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20829 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.52pt\"></span></span><span class=\"ps20775\">118<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20830 ss2248\"><div><div class=\"ps469 ss1267\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.62pt\"></span></span><span class=\"ps13595\">1\u00a0161<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20831 ss2248\"><div><div class=\"ps469 ss1267\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.13pt\"></span></span><span class=\"ps16572\">1\u00a0109<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20832 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.21pt\"></span></span><span class=\"ps2286\">988<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20834 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.31pt\"></span></span><span class=\"ps20833\">33\u00a0277<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15378 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20835 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20836 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20498 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20837 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20838 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20839 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20840 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20841 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20842 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.03pt\"></span></span><span class=\"ps20487\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20843 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.76pt\"></span></span><span class=\"ps15028\">4\u00a0192<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2426 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20844 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20845 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20505 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20846 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20847 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20848 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20849 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20850 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20851 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.03pt\"></span></span><span class=\"ps20487\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20852 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.28pt\"></span></span><span class=\"ps9500\">860<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps12310 ss868\"><div><div class=\"ps469 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20853 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20854 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20512 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20855 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20856 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20857 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20858 ss2248\"><div><div class=\"ps469 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20859 ss2248\"><div><div class=\"ps469 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20860 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.03pt\"></span></span><span class=\"ps20487\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20861 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.99pt\"></span></span><span class=\"ps13119\">1\u00a0641<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15398 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20862 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20863 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20519 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20864 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20865 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20866 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20867 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20868 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20869 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.03pt\"></span></span><span class=\"ps20487\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20871 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.87pt\"></span></span><span class=\"ps20870\">2\u00a0525<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps20527 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20872 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20873 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20528 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20874 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20875 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20876 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20877 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20878 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20879 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.03pt\"></span></span><span class=\"ps20487\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20880 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.06pt\"></span></span><span class=\"ps12503\">324<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps20535 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20881 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20882 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20536 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.75pt\"></span></span><span class=\"ps10076\">39<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20883 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20884 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20885 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20886 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.99pt\"></span></span><span class=\"ps16397\">27<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20887 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20888 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.03pt\"></span></span><span class=\"ps20487\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20889 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.02pt\"></span></span><span class=\"ps15704\">772<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9891 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.34pt\"></span></span><span class=\"ps20791\">10<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20891 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.34pt\"></span></span><span class=\"ps20890\">10<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20893 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.69pt\"></span></span><span class=\"ps20892\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20543 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20894 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.69pt\"></span></span><span class=\"ps15385\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20895 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20896 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20897 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.98pt\"></span></span><span class=\"ps12268\">15<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20898 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20899 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.07pt\"></span></span><span class=\"ps20723\">5<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20900 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.3pt\"></span></span><span class=\"ps9455\">288<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps12327 ss868\"><div><div class=\"ps469 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20901 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20902 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20551 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20903 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20904 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20905 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20906 ss2248\"><div><div class=\"ps469 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20907 ss2248\"><div><div class=\"ps469 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20908 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.03pt\"></span></span><span class=\"ps20487\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20909 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.69pt\"></span></span><span class=\"ps15385\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps20558 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.54pt\"></span></span><span class=\"ps20910\">290<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20911 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.39pt\"></span></span><span class=\"ps13746\">830<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20912 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.66pt\"></span></span><span class=\"ps11919\">159<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20559 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20913 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.78pt\"></span></span><span class=\"ps11512\">121<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20914 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.34pt\"></span></span><span class=\"ps11913\">4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20915 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.77pt\"></span></span><span class=\"ps9815\">109<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20916 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.29pt\"></span></span><span class=\"ps12315\">891<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20917 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.83pt\"></span></span><span class=\"ps20741\">1\u00a0120<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20918 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.81pt\"></span></span><span class=\"ps11311\">698<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20919 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.28pt\"></span></span><span class=\"ps12499\">16\u00a0990<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps20568 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20920 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20921 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20569 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20922 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20923 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20924 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20925 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20926 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20927 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.03pt\"></span></span><span class=\"ps20487\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20928 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.41pt\"></span></span><span class=\"ps9239\">139<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps20576 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20929 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20930 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20577 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20931 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20932 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20933 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20934 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20935 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20936 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.03pt\"></span></span><span class=\"ps20487\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20937 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps20584 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20938 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20939 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20585 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20940 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20941 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20942 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20943 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20944 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20945 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.96pt\"></span></span><span class=\"ps20811\">2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20946 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.88pt\"></span></span><span class=\"ps14988\">28<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20592 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.55pt\"></span></span><span class=\"ps12673\">300<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20947 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.62pt\"></span></span><span class=\"ps3220\">840<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20948 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.78pt\"></span></span><span class=\"ps11512\">160<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20593 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.67pt\"></span></span><span class=\"ps11153\">39<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20949 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.45pt\"></span></span><span class=\"ps16000\">122<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20950 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.48pt\"></span></span><span class=\"ps11244\">4<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20951 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.03pt\"></span></span><span class=\"ps20487\">109<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20952 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.48pt\"></span></span><span class=\"ps8373\">933<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20953 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.36pt\"></span></span><span class=\"ps10357\">1\u00a0120<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20954 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.61pt\"></span></span><span class=\"ps20415\">705<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps20956 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:10.08pt\"></span></span><span class=\"ps20955\">27\u00a0760<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps20601 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20957 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20958 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20602 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20959 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.32pt\"></span></span><span class=\"ps12649\">3<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20960 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20961 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20962 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.86pt\"></span></span><span class=\"ps5905\">18<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20963 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20964 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.03pt\"></span></span><span class=\"ps20487\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20965 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.51pt\"></span></span><span class=\"ps5508\">108<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps20609 ss868\"><div><div class=\"ps469 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.48pt\"></span></span><span class=\"ps11244\">15<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20967 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.68pt\"></span></span><span class=\"ps20966\">194<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20968 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.69pt\"></span></span><span class=\"ps20892\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20610 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20969 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.45pt\"></span></span><span class=\"ps11867\">8<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20970 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20971 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.71pt\"></span></span><span class=\"ps14075\">2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20972 ss2248\"><div><div class=\"ps469 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.99pt\"></span></span><span class=\"ps16397\">97<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20973 ss2248\"><div><div class=\"ps469 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20974 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.4pt\"></span></span><span class=\"ps9248\">167<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20975 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.23pt\"></span></span><span class=\"ps16438\">2\u00a0477<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps20618 ss868\"><div><div class=\"ps469 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.78pt\"></span></span><span class=\"ps17143\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20977 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35pt\"></span></span><span class=\"ps20976\">39<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20978 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20620 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20979 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20980 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20981 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.78pt\"></span></span><span class=\"ps9316\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20982 ss2248\"><div><div class=\"ps469 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.44pt\"></span></span><span class=\"ps20808\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20983 ss2248\"><div><div class=\"ps469 ss1267\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.28pt\"></span></span><span class=\"ps20666\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps20984 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.03pt\"></span></span><span class=\"ps20487\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps20986 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.25pt\"></span></span><span class=\"ps20985\">800<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20628 ss855\"><div><div class=\"ps815 ss99\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.31pt\"></span></span><span class=\"ps8370\">15<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20987 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.21pt\"></span></span><span class=\"ps12425\">233<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20988 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.89pt\"></span></span><span class=\"ps911\">1<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20629 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.06pt\"></span></span><span class=\"ps11782\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20989 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.22pt\"></span></span><span class=\"ps11592\">11<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20990 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.06pt\"></span></span><span class=\"ps11782\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20991 ss929\"><div><div class=\"ps815 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.09pt\"></span></span><span class=\"ps6212\">2<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20992 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.02pt\"></span></span><span class=\"ps16670\">116<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20993 ss1594\"><div><div class=\"ps815 ss1267\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.81pt\"></span></span><span class=\"ps16622\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps20994 ss2005\"><div><div class=\"ps815 ss2002\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.98pt\"></span></span><span class=\"ps19075\">167<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps20995 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.17pt\"></span></span><span class=\"ps1864\">3\u00a0385<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20636 ss868\"><div><div class=\"ps469 ss99\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.37pt\"></span></span><span class=\"ps11723\">315<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20996 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.85pt\"></span></span><span class=\"ps9404\">1\u00a0073<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20998 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.27pt\"></span></span><span class=\"ps20997\">161<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20637 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.67pt\"></span></span><span class=\"ps11153\">39<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps20999 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.01pt\"></span></span><span class=\"ps15105\">133<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21000 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.48pt\"></span></span><span class=\"ps11244\">4<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21001 ss2234\"><div><div class=\"ps469 ss818\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.8pt\"></span></span><span class=\"ps8407\">111<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21003 ss2248\"><div><div class=\"ps469 ss1267\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.72pt\"></span></span><span class=\"ps21002\">1\u00a0049<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21004 ss2248\"><div><div class=\"ps469 ss1267\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.36pt\"></span></span><span class=\"ps10357\">1\u00a0120<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21005 ss2007\"><div><div class=\"ps469 ss2002\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.93pt\"></span></span><span class=\"ps11383\">872<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><span id=\"ife00377e9b3a49b39ff690e100068e5d_39-10-1-1-3222700\"></span><div class=\"ps21006 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:11.64pt\"></span></span><span class=\"ps5581\">31\u00a0145<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps181 ss8\"><div class=\"ss2152 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:18.75pt\"></td><td style=\"padding:0;width:309pt\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss2149\"><div><div class=\"ps28 ss740\"><div class=\"ps18454\"><div class=\"ps19\"><img alt=\"Unaudited_information.svg\" id=\"i-188\" src=\"data:image/svg+xml;base64,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\" style=\"height:13.52pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps3212 ss2151\"><div><div class=\"ps778 ss2150\"><span class=\"f charStyle-8148111c ps7\">Gross credit and counterparty exposures by residual contractual maturity<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21144 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:162.75pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:42pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss2249\"><div><div class=\"ps8543 ss191\"><span class=\"f charStyle-a26246ce ps7\">At 31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21007 ss2250\"><div><div class=\"ps11112 ss629\"><span class=\"f charStyle-8d4b9b37 ps17184\">Up to three<span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss629\"><span class=\"f charStyle-8d4b9b37 ps8585\"> months<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2462 ss2250\"><div><div class=\"ps11112 ss629\"><span class=\"f charStyle-8d4b9b37 ps2337\">Three to six<span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss629\"><span class=\"f charStyle-8d4b9b37 ps8585\"> months<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15992 ss2250\"><div><div class=\"ps11112 ss629\"><span class=\"f charStyle-8d4b9b37 ps21008\">Six months<span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss629\"><span class=\"f charStyle-8d4b9b37 ps17098\"> to one year<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21009 ss2250\"><div><div class=\"ps11112 ss629\"><span class=\"f charStyle-8d4b9b37 ps18689\">One to five<span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss629\"><span class=\"f charStyle-8d4b9b37 ps3441\"> years<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12055 ss2250\"><div><div class=\"ps11112 ss629\"><span class=\"f charStyle-8d4b9b37 ps21010\">Five to 10<span class=\"f ps2\"> </span></span></div><div class=\"ps11114 ss629\"><span class=\"f charStyle-8d4b9b37 ps3441\"> years<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21011 ss2251\"><div><div class=\"ps11114 ss281\"><span class=\"f charStyle-8d4b9b37 ps14334\">&gt;10 years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3775 ss2250\"><div><div class=\"ps11114 ss629\"><span class=\"f charStyle-a26246ce ps986\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2724 ss2252\"><div><div class=\"ps4014 ss191\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps817 ss2249\"><div><div class=\"ps997 ss191\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cash and balances at central banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps21013 ss630\"><div><div class=\"ps997 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.97pt\"></span></span><span class=\"ps21012\">3\u00a0174<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps21014 ss630\"><div><div class=\"ps997 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps21015 ss630\"><div><div class=\"ps997 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps21016 ss630\"><div><div class=\"ps997 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps12059 ss630\"><div><div class=\"ps997 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps21017 ss2253\"><div><div class=\"ps997 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps21018 ss630\"><div><div class=\"ps997 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.97pt\"></span></span><span class=\"ps21012\">3\u00a0174<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9200 ss198\"><div><div class=\"ps815 ss191\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21019 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.51pt\"></span></span><span class=\"ps12215\">801<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21020 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21021 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21022 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21023 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21024 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21025 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.51pt\"></span></span><span class=\"ps12215\">801<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps9204 ss2254\"><div><div class=\"ps815 ss191\"><span class=\"f charStyle-2b0f4fe0 ps7\">Reverse repurchase agreements and cash <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss191\"><span class=\"f charStyle-2b0f4fe0 ps7\">collateral on securities borrowed<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21026 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.96pt\"></span></span><span class=\"ps13444\">1\u00a0553<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21027 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.41pt\"></span></span><span class=\"ps12687\">316<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21028 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.12pt\"></span></span><span class=\"ps11120\">16<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21029 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21030 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21031 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21032 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.97pt\"></span></span><span class=\"ps21012\">1\u00a0885<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4084 ss198\"><div><div class=\"ps815 ss191\"><span class=\"f charStyle-2b0f4fe0 ps7\">Sovereign debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21033 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.22pt\"></span></span><span class=\"ps9323\">1\u00a0547<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21034 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.09pt\"></span></span><span class=\"ps8324\">1\u00a0367<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21035 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.43pt\"></span></span><span class=\"ps11158\">194<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21036 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.29pt\"></span></span><span class=\"ps13227\">536<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12154 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.65pt\"></span></span><span class=\"ps21037\">44<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21038 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21039 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.49pt\"></span></span><span class=\"ps15558\">3\u00a0688<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4676 ss198\"><div><div class=\"ps815 ss191\"><span class=\"f charStyle-2b0f4fe0 ps7\">Bank debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21040 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.24pt\"></span></span><span class=\"ps11349\">27<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21041 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.09pt\"></span></span><span class=\"ps3234\">10<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21042 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30pt\"></span></span><span class=\"ps11163\">59<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21043 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.53pt\"></span></span><span class=\"ps11563\">367<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12158 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.35pt\"></span></span><span class=\"ps13630\">11<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21044 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21045 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.43pt\"></span></span><span class=\"ps14780\">474<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3327 ss198\"><div><div class=\"ps815 ss191\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other debt securities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21046 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.35pt\"></span></span><span class=\"ps13630\">11<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21047 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21049 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.34pt\"></span></span><span class=\"ps21048\">4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21051 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.88pt\"></span></span><span class=\"ps21050\">68<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12162 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.2pt\"></span></span><span class=\"ps10492\">224<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21052 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.77pt\"></span></span><span class=\"ps9675\">811<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21054 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.33pt\"></span></span><span class=\"ps21053\">1\u00a0118<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps7432 ss198\"><div><div class=\"ps815 ss191\"><span class=\"f charStyle-2b0f4fe0 ps7\">Derivative financial instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21056 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.01pt\"></span></span><span class=\"ps21055\">111<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21057 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.77pt\"></span></span><span class=\"ps11119\">64<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21058 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.89pt\"></span></span><span class=\"ps1616\">96<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21059 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.35pt\"></span></span><span class=\"ps19108\">75<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12166 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.34pt\"></span></span><span class=\"ps21048\">4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21060 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.34pt\"></span></span><span class=\"ps11913\">4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21061 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.17pt\"></span></span><span class=\"ps14822\">354<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12168 ss198\"><div><div class=\"ps815 ss191\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securities arising from trading activities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21062 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21063 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21064 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21065 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps12170 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21066 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21067 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8389 ss198\"><div><div class=\"ps815 ss191\"><span class=\"f charStyle-2b0f4fe0 ps7\">Loans and advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21068 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.98pt\"></span></span><span class=\"ps14958\">1\u00a0586<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21069 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.85pt\"></span></span><span class=\"ps15468\">1\u00a0235<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21070 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.76pt\"></span></span><span class=\"ps13062\">2\u00a0421<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21071 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.63pt\"></span></span><span class=\"ps19841\">8\u00a0998<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21072 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.85pt\"></span></span><span class=\"ps15468\">2\u00a0102<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21073 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.88pt\"></span></span><span class=\"ps14802\">1\u00a0669<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps8403 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.73pt\"></span></span><span class=\"ps16927\">18\u00a0011<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12558 ss198\"><div><div class=\"ps815 ss191\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other loans and advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21074 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21075 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21076 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21077 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.97pt\"></span></span><span class=\"ps12661\">50<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21078 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.77pt\"></span></span><span class=\"ps11119\">64<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21079 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21080 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.66pt\"></span></span><span class=\"ps10167\">114<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12562 ss198\"><div><div class=\"ps815 ss191\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other securitised assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21081 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21082 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21083 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21084 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21085 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21086 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21087 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3669 ss198\"><div><div class=\"ps815 ss191\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21088 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.97pt\"></span></span><span class=\"ps12661\">50<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21089 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21090 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21092 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.46pt\"></span></span><span class=\"ps21091\">9<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21093 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21094 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps17000 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30pt\"></span></span><span class=\"ps11163\">59<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9817 ss198\"><div><div class=\"ps815 ss191\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total on-balance sheet exposures<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps21095 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.82pt\"></span></span><span class=\"ps9443\">8\u00a0860<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps21096 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.49pt\"></span></span><span class=\"ps14734\">2\u00a0992<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps21097 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.54pt\"></span></span><span class=\"ps13636\">2\u00a0790<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps21098 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.23pt\"></span></span><span class=\"ps139\">10\u00a0103<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps21099 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17pt\"></span></span><span class=\"ps11094\">2\u00a0449<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps21101 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14pt\"></span></span><span class=\"ps21100\">2\u00a0484<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps21102 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.8pt\"></span></span><span class=\"ps13450\">29\u00a0678<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4596 ss198\"><div><div class=\"ps815 ss191\"><span class=\"f charStyle-2b0f4fe0 ps7\">Guarantees<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21103 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.23pt\"></span></span><span class=\"ps4264\">78<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21104 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21105 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.32pt\"></span></span><span class=\"ps20717\">3<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21106 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21107 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.69pt\"></span></span><span class=\"ps20892\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21108 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21109 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.88pt\"></span></span><span class=\"ps21050\">82<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps346 ss2254\"><div><div class=\"ps815 ss191\"><span class=\"f charStyle-2b0f4fe0 ps7\">Committed facilities related to loans and <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss191\"><span class=\"f charStyle-2b0f4fe0 ps7\">advances to customers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21110 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.12pt\"></span></span><span class=\"ps11120\">91<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21111 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.01pt\"></span></span><span class=\"ps9510\">157<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21112 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.17pt\"></span></span><span class=\"ps14822\">398<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21114 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.11pt\"></span></span><span class=\"ps21113\">1\u00a0616<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21115 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.31pt\"></span></span><span class=\"ps11167\">524<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21116 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.23pt\"></span></span><span class=\"ps16041\">15<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21117 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.84pt\"></span></span><span class=\"ps8441\">2\u00a0801<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps4338 ss2254\"><div><div class=\"ps815 ss191\"><span class=\"f charStyle-2b0f4fe0 ps7\">Contingent liabilities, letters of credit and <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss191\"><span class=\"f charStyle-2b0f4fe0 ps7\">other</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21119 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.55pt\"></span></span><span class=\"ps21118\">497<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21120 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.34pt\"></span></span><span class=\"ps21048\">4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21121 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.24pt\"></span></span><span class=\"ps11349\">72<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21122 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.43pt\"></span></span><span class=\"ps11158\">142<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21123 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21124 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.69pt\"></span></span><span class=\"ps15385\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps8458 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.9pt\"></span></span><span class=\"ps15335\">716<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15917 ss198\"><div><div class=\"ps815 ss191\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total off-balance sheet exposures<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps21125 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.71pt\"></span></span><span class=\"ps11236\">666<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps21126 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.27pt\"></span></span><span class=\"ps20997\">161<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps21128 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.08pt\"></span></span><span class=\"ps21127\">473<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps21129 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.92pt\"></span></span><span class=\"ps12379\">1\u00a0758<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps21130 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.18pt\"></span></span><span class=\"ps12150\">525<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps21132 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.94pt\"></span></span><span class=\"ps21131\">16<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps21133 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.16pt\"></span></span><span class=\"ps4193\">3\u00a0599<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:21pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps9843 ss2254\"><div><div class=\"ps815 ss191\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total gross credit and counterparty <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss191\"><span class=\"f charStyle-b7f6e8e5 ps7\">exposures<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21135 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.38pt\"></span></span><span class=\"ps21134\">9\u00a0526<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21136 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.45pt\"></span></span><span class=\"ps16513\">3\u00a0153<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21137 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.28pt\"></span></span><span class=\"ps13559\">3\u00a0263<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21138 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.92pt\"></span></span><span class=\"ps17762\">11\u00a0861<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21139 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.62pt\"></span></span><span class=\"ps11096\">2\u00a0974<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21141 ss2247\"><div><div class=\"ps469 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.96pt\"></span></span><span class=\"ps21140\">2\u00a0500<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21143 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.31pt\"></span></span><span class=\"ps21142\">33\u00a0277<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">55<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps14931\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps14932\">Additional credit risk information<span class=\"f ps2\"> </span></span></div><div class=\"ps5918 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Credit risk classification and provisioning policy<span class=\"f ps2\"> </span></span></div><div class=\"ps5919 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">IFRS 9 requirements have been embedded into our Group credit <span class=\"f ps2\"> </span></span></div><div class=\"ps5920 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">risk classification and provisioning policy. A framework has been <span class=\"f ps2\"> </span></span></div><div class=\"ps13827 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">established to incorporate both quantitative and qualitative <span class=\"f ps2\"> </span></span></div><div class=\"ps13828 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">measures.</span></div><div class=\"ps21147 ss8\"><div class=\"ss186 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:20.25pt\"></td><td style=\"padding:0;width:198.75pt\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss1214\"><div><div class=\"ps28 ss92\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Page_references.svg\" id=\"i-189\" src=\"data:image/svg+xml;base64,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\" style=\"height:15.59pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps387 ss2255\"><div><div class=\"ps472 ss1371\"><span class=\"f charStyle-2b0f4fe0 ps7\">For further detail on our credit risk classification and <span class=\"f ps2\"> </span></span></div><div class=\"ps5741 ss1371\"><span class=\"f charStyle-2b0f4fe0 ps7\">provision policy please refer to pages 79 and 80.<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21150 ss8\"><div class=\"ss683 ws0 ps14\"><div><span id=\"i91b264f798f74674a4826bdb70aa144f_1668\"></span><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:201pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"padding:0\"><div class=\"ps19 ss2256\" style=\"overflow:hidden\"><div><div class=\"ps21148 ss683\"><span class=\"f charStyle-0e78c81e ps7\">Internal credit rating models and ECL <span class=\"f ps2\"> </span></span></div><div class=\"ps21149 ss683\"><span class=\"f charStyle-0e78c81e ps7\">methodology<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21151 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Internal credit rating models cover all material asset classes. <span class=\"f ps2\"> </span></span></div><div class=\"ps21152 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">These internal credit rating models are also used for IFRS 9 <span class=\"f ps2\"> </span></span></div><div class=\"ps21153 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">modelling after adjusting for key differences. Internal credit <span class=\"f ps2\"> </span></span></div><div class=\"ps21154 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">models calculate through the economic cycle losses whereas <span class=\"f ps2\"> </span></span></div><div class=\"ps21155 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">IFRS 9 requires 12-month or lifetime point-in-time losses based <span class=\"f ps2\"> </span></span></div><div class=\"ps11982 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">on conditions at the reporting date and multiple economic <span class=\"f ps2\"> </span></span></div><div class=\"ps21156 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">scenario forecasts of the future conditions over the <span class=\"f ps2\"> </span></span></div><div class=\"ps21157 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">expected\u00a0lives.<span class=\"f ps2\"> </span></span></div><div class=\"ps21159 ss8\"><div class=\"ss607 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:20.25pt\"></td><td style=\"padding:0;width:213.75pt\"></td></tr><tr style=\"height:21.75pt\"><td style=\"padding:0\"><div class=\"ps19 ss2257\"><div><div class=\"ps28 ss92\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Page_references.svg\" id=\"i-190\" src=\"data:image/svg+xml;base64,CjxzdmcgeG1sbnM9Imh0dHA6Ly93d3cudzMub3JnLzIwMDAvc3ZnIj4gCgk8aW1hZ2UgcHJlc2VydmVBc3BlY3RSYXRpbz0ibm9uZSIgd2lkdGg9IjEwMCUiIGhlaWdodD0iMTAwJSIgaHJlZj0iZGF0YTppbWFnZS9zdmcreG1sO2Jhc2U2NCxQRDk0Yld3Z2RtVnljMmx2YmowaU1TNHdJaUJsYm1OdlpHbHVaejBpVlZSR0xUZ2lQejQ4YzNabklHbGtQU0pNWVhsbGNsOHlJaUI0Yld4dWN6MGlhSFIwY0RvdkwzZDNkeTUzTXk1dmNtY3ZNakF3TUM5emRtY2lJSFpwWlhkQ2IzZzlJakFnTUNBeU1DNDROaUF5TUM0NE5pSStQR1JsWm5NK1BITjBlV3hsUGk1amJITXRNWHR6ZEhKdmEyVXRiR2x1WldwdmFXNDZjbTkxYm1RN2ZTNWpiSE10TVN3dVkyeHpMVElzTG1Oc2N5MHplMlpwYkd3NmJtOXVaVHR6ZEhKdmEyVTZJekl6TVdZeU1EdHpkSEp2YTJVdGQybGtkR2c2TGpjMWNIZzdmUzVqYkhNdE1Td3VZMnh6TFRON2MzUnliMnRsTFd4cGJtVmpZWEE2Y205MWJtUTdmUzVqYkhNdE1pd3VZMnh6TFRON2MzUnliMnRsTFcxcGRHVnliR2x0YVhRNk1UQTdmVHd2YzNSNWJHVStQQzlrWldaelBqeG5JR2xrUFNKTVlYbGxjbDh4TFRJaVBqeGphWEpqYkdVZ1kyeGhjM005SW1Oc2N5MHlJaUJqZUQwaU1UQXVORE1pSUdONVBTSXhNQzQwTXlJZ2NqMGlNVEF1TURZaUx6NDhjRzlzZVd4cGJtVWdZMnhoYzNNOUltTnNjeTB4SWlCd2IybHVkSE05SWpFeExqVWdOeTR3TlNBeE5DNDROU0F4TUM0MElERXhMalVnTVRNdU56a2lMejQ4YkdsdVpTQmpiR0Z6Y3owaVkyeHpMVE1pSUhneFBTSTFMamc1SWlCNU1UMGlNVEF1TkNJZ2VESTlJakUwTGpnMUlpQjVNajBpTVRBdU5DSXZQand2Wno0OEwzTjJaejQ9Ij48L2ltYWdlPgo8L3N2Zz4K\" style=\"height:15.59pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps387 ss1419\"><div><div class=\"ps5733 ss892\"><span class=\"f charStyle-9458d4de ps7\">Further information on internal credit ratings is provided on </span></div><div class=\"ps17379 ss892\"><span class=\"f charStyle-9458d4de ps7\">page\u00a0<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2b0f4fe0 ps21158\"><a class=\"Hyperlink\" href=\"#i45a8c081432f44fb823be476738fa94c_0-0-1-1-3222700\" style=\"z-index:1\">162</a><span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps19096\">.<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21161 ss8\"><div class=\"ss2258 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:133.5pt\"></td></tr><tr style=\"height:18.75pt\"><td style=\"padding:0\"><div class=\"ps19 ss2259\"><div><div class=\"ps18156 ss2258\"><span class=\"f charStyle-b9f48ea1 ps7\">Key judgements<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21162 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The measurement of ECL has reliance on expert credit </span></div><div class=\"ps21163 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">judgement. Key judgemental areas are highlighted below and <span class=\"f ps2\"> </span></span></div><div class=\"ps21164 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">are subject to robust governance processes. Key drivers of </span></div><div class=\"ps21165 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">measurement uncertainty include:<span class=\"f ps2\"> </span></span></div><div class=\"ps21166 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">The assessment of a significant increase in credit risk<span class=\"f ps2\"> </span></span></div><div class=\"ps21167 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">A range of forward-looking probability weighted macro-<span class=\"f ps2\"> </span></span></div><div class=\"ps21168 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">economic scenarios</span></div><div class=\"ps21169 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Estimations of probabilities of default, loss given default and </span></div><div class=\"ps21170 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">exposures at default using models.</span></div><div class=\"ps21171 ss8\"><div class=\"ss222 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:20.25pt\"></td><td style=\"padding:0;width:214.5pt\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss1214\"><div><div class=\"ps28 ss92\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Page_references.svg\" id=\"i-191\" src=\"data:image/svg+xml;base64,CjxzdmcgeG1sbnM9Imh0dHA6Ly93d3cudzMub3JnLzIwMDAvc3ZnIj4gCgk8aW1hZ2UgcHJlc2VydmVBc3BlY3RSYXRpbz0ibm9uZSIgd2lkdGg9IjEwMCUiIGhlaWdodD0iMTAwJSIgaHJlZj0iZGF0YTppbWFnZS9zdmcreG1sO2Jhc2U2NCxQRDk0Yld3Z2RtVnljMmx2YmowaU1TNHdJaUJsYm1OdlpHbHVaejBpVlZSR0xUZ2lQejQ4YzNabklHbGtQU0pNWVhsbGNsOHlJaUI0Yld4dWN6MGlhSFIwY0RvdkwzZDNkeTUzTXk1dmNtY3ZNakF3TUM5emRtY2lJSFpwWlhkQ2IzZzlJakFnTUNBeU1DNDROaUF5TUM0NE5pSStQR1JsWm5NK1BITjBlV3hsUGk1amJITXRNWHR6ZEhKdmEyVXRiR2x1WldwdmFXNDZjbTkxYm1RN2ZTNWpiSE10TVN3dVkyeHpMVElzTG1Oc2N5MHplMlpwYkd3NmJtOXVaVHR6ZEhKdmEyVTZJekl6TVdZeU1EdHpkSEp2YTJVdGQybGtkR2c2TGpjMWNIZzdmUzVqYkhNdE1Td3VZMnh6TFRON2MzUnliMnRsTFd4cGJtVmpZWEE2Y205MWJtUTdmUzVqYkhNdE1pd3VZMnh6TFRON2MzUnliMnRsTFcxcGRHVnliR2x0YVhRNk1UQTdmVHd2YzNSNWJHVStQQzlrWldaelBqeG5JR2xrUFNKTVlYbGxjbDh4TFRJaVBqeGphWEpqYkdVZ1kyeGhjM005SW1Oc2N5MHlJaUJqZUQwaU1UQXVORE1pSUdONVBTSXhNQzQwTXlJZ2NqMGlNVEF1TURZaUx6NDhjRzlzZVd4cGJtVWdZMnhoYzNNOUltTnNjeTB4SWlCd2IybHVkSE05SWpFeExqVWdOeTR3TlNBeE5DNDROU0F4TUM0MElERXhMalVnTVRNdU56a2lMejQ4YkdsdVpTQmpiR0Z6Y3owaVkyeHpMVE1pSUhneFBTSTFMamc1SWlCNU1UMGlNVEF1TkNJZ2VESTlJakUwTGpnMUlpQjVNajBpTVRBdU5DSXZQand2Wno0OEwzTjJaejQ9Ij48L2ltYWdlPgo8L3N2Zz4K\" style=\"height:15.59pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps387 ss2260\"><div><div class=\"ps472 ss601\"><span class=\"f charStyle-2b0f4fe0 ps7\">For further detail on our process for determining ECL <span class=\"f ps2\"> </span></span></div><div class=\"ps5741 ss601\"><span class=\"f charStyle-2b0f4fe0 ps7\">please refer to page 80.<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps74\">Key judgements<span id=\"i91b264f798f74674a4826bdb70aa144f_1665\"></span><span id=\"i91b264f798f74674a4826bdb70aa144f_1666\"></span></span><span class=\"f charStyle-21b4da98 ps21172\"> at </span><span class=\"f charStyle-21b4da98 ps21173\">31 March 2026</span></div><div class=\"ps10770 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Key judgemental areas under IFRS 9 are subject to robust </span></div><div class=\"ps10771 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">governance processes. At 31 March 2026, the composition and </span></div><div class=\"ps19160 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">weightings of the forward-looking macro-economic scenarios </span></div><div class=\"ps19161 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">were revised to reflect the current pressures in the macro-</span></div><div class=\"ps19162 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">economic environment, however there remains reliance on </span></div><div class=\"ps19163 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">expert credit judgements to ensure that the overall level of ECL </span></div><div class=\"ps19164 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">is reasonable.</span></div><div class=\"ps21174 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">The recalibration of models in preparation for IRB adoption, </span></div><div class=\"ps19440 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">together with adjustments to address known model </span></div><div class=\"ps19447 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">implementation deficiencies, resulted in an increase in ECL of </span></div><div class=\"ps21175 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">\u00a33.7 million during the year. This was offset by the full release </span></div><div class=\"ps21176 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">of the management overlay (31 March 2025: \u00a33.7 million), which </span></div><div class=\"ps19169 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">had previously been maintained to capture uncertainty in the </span></div><div class=\"ps19170 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">models\u2019 predictive capability.</span></div><div class=\"ps21177 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps74\">Macro-economic sensitivities</span></div><div class=\"ps21178 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps74\">Changes in macro-economic scenarios and weightings may </span></div><div class=\"ps10784 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps74\">result in the volatility of provisions, particularly to Stage 1 and 2 </span></div><div class=\"ps21179 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps74\">assets. Sensitivities to macro-economic scenarios and factors </span></div><div class=\"ps21180 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps74\">form part of our overall risk monitoring, in particular the Bank\u2019s </span></div><div class=\"ps10786 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps74\">potential ECLs if each scenario were given a 100% weighting. In </span></div><div class=\"ps21181 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps74\">these instances all non-modelled ECLs, including credit </span></div><div class=\"ps21182 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps74\">assessed ECLs and other management judgements remain </span></div><div class=\"ps21183 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps74\">unchanged.</span></div><div class=\"ps21184 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">The total reported ECL at 31 March 2026 amounted to \u00a3217 </span></div><div class=\"ps21185 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">million (31 March 2025: \u00a3187 million). The table below </span></div><div class=\"ps21186 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">summarises the variance from reported ECL should the base </span></div><div class=\"ps21187 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">case and two downside cases be weighted by 100%. Whilst the </span></div><div class=\"ps21188 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">outputs from these 100% weighted scenarios are consistent </span></div><div class=\"ps21189 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">with the macro-economic factor inputs set out in the context of </span></div><div class=\"ps21190 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">each scenario, in practice the outcome could differ due to </span></div><div class=\"ps21191 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">management actions or other key judgements applied.</span></div><div class=\"ps21200 ss8\"><div class=\"ss222 ws0 ps89\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:187.5pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:32.25pt\"><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss2262\"><div><div class=\"ps12002 ss2261\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">At </span><span class=\"f charStyle-ef17fa27 ps13038\">31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21196 ss2263\"><div><div class=\"ps12008 ss99\"><span class=\"f charStyle-ef17fa27 ps21192\">(Increased)</span></div><div class=\"ps12003 ss99\"><span class=\"f charStyle-ef17fa27 ps21193\">/decreased </span></div><div class=\"ps12004 ss99\"><span class=\"f charStyle-ef17fa27 ps21194\">change in </span></div><div class=\"ps12006 ss99\"><span class=\"f charStyle-ef17fa27 ps21195\">reported </span></div><div class=\"ps12002 ss99\"><span class=\"f charStyle-ef17fa27 ps8377\">ECL</span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps2487 ss2264\"><div><div class=\"ps2158 ss2261\"><span class=\"f charStyle-2b0f4fe0 ps7\">Base case (100%)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps21197 ss850\"><div><div class=\"ps2158 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.01pt\"></span></span><span class=\"ps9510\">9.4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3458 ss2265\"><div><div class=\"ps4184 ss2261\"><span class=\"f charStyle-2b0f4fe0 ps7\">Severe downside 1 (100%)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21198 ss855\"><div><div class=\"ps4184 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.79pt\"></span></span><span class=\"ps10386\">(30.8)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3463 ss2265\"><div><div class=\"ps4184 ss2261\"><span class=\"f charStyle-2b0f4fe0 ps7\">Downside 2 (100%)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21199 ss855\"><div><div class=\"ps4184 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.65pt\"></span></span><span class=\"ps14687\">(6.5)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps21209 ss8\"><div class=\"ss222 ws0 ps89\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:190.5pt\"></td><td style=\"padding:0;width:44.25pt\"></td></tr><tr style=\"height:42pt\"><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss2267\"><div><div class=\"ps14216 ss2266\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">At </span><span class=\"f charStyle-ef17fa27 ps13038\">31 March 2025</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21203 ss2268\"><div><div class=\"ps19959 ss99\"><span class=\"f charStyle-6f1c08a8 ps21201\">(Increased)/</span></div><div class=\"ps19947 ss99\"><span class=\"f charStyle-6f1c08a8 ps16739\">decreased </span></div><div class=\"ps19948 ss99\"><span class=\"f charStyle-6f1c08a8 ps21202\">change in </span></div><div class=\"ps19950 ss99\"><span class=\"f charStyle-6f1c08a8 ps13450\">reported </span></div><div class=\"ps19951 ss99\"><span class=\"f charStyle-6f1c08a8 ps9544\">ECL</span></div></div></div></td></tr><tr style=\"height:9pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21204 ss2269\" style=\"overflow:hidden\"><div><div class=\"ps2467 ss99\"><span class=\"f charStyle-8d4b9b37 ps13474\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3564 ss2270\"><div><div class=\"ps2158 ss2266\"><span class=\"f charStyle-2b0f4fe0 ps7\">Base case (100%)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps21205 ss850\"><div><div class=\"ps2158 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.36pt\"></span></span><span class=\"ps13900\">9.1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps216 ss2271\"><div><div class=\"ps4184 ss2266\"><span class=\"f charStyle-2b0f4fe0 ps7\">Downside 1 - trade war (100%)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21206 ss855\"><div><div class=\"ps4184 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.08pt\"></span></span><span class=\"ps9472\">(26.5)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14634 ss2271\"><div><div class=\"ps4184 ss2266\"><span class=\"f charStyle-2b0f4fe0 ps7\">Downside 2 - global synchronised downturn (100%)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21208 ss855\"><div><div class=\"ps4184 ss99\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.19pt\"></span></span><span class=\"ps21207\">(16.8)</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps181 ss8\"><div class=\"ss696 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:213pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss2272\"><div><div class=\"ps4455 ss696\"><span class=\"f charStyle-0e78c81e ps7\">Forward-looking macro-economic scenarios<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21213 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The measurement of ECL requires the use of multiple economic <span class=\"f ps2\"> </span></span></div><div class=\"ps21214 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">scenarios to calculate a probability weighted forward\u2013looking <span class=\"f ps2\"> </span></span></div><div class=\"ps21215 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">estimate. These scenarios are updated at least twice a year, or <span class=\"f ps2\"> </span></span></div><div class=\"ps21216 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">more frequently if there is a macro-economic shock or <span class=\"f ps2\"> </span></span></div><div class=\"ps21217 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">significant shift in expectations. The weighting of these <span class=\"f ps2\"> </span></span></div><div class=\"ps21218 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">scenarios for IFRS 9 as well as the scenarios themselves are <span class=\"f ps2\"> </span></span></div><div class=\"ps21219 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">discussed and presented at the relevant BRCCs as well as the <span class=\"f ps2\"> </span></span></div><div class=\"ps21220 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">relevant capital committees for approval, which form part of\u00a0the <span class=\"f ps2\"> </span></span></div><div class=\"ps21221 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">principal governance framework for macro\u2013economic scenarios. <span class=\"f ps2\"> </span></span></div><div class=\"ps21222 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">They are also approved by the relevant Audit\u00a0Committees.<span class=\"f ps2\"> </span></span></div><div class=\"ps21223 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">A number of forecast economic scenarios are considered for <span class=\"f ps2\"> </span></span></div><div class=\"ps21224 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">capital planning, stress testing (including Investec-specific <span class=\"f ps2\"> </span></span></div><div class=\"ps21225 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">stress scenarios) and IFRS 9 ECL measurement.<span class=\"f ps2\"> </span></span></div><div class=\"ps21227 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For Investec plc, <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21226\">four macro\u2013economic scenarios were used in </span></div><div class=\"ps21228 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the measurement of ECL. These scenarios incorporate a base </span></div><div class=\"ps21229 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">case, an upside case and two downside cases.</span></div><div class=\"ps21230 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">As part of the annual scenario review and in light of the current </span></div><div class=\"ps21231 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">macro-economic environment, the composition of the downside </span></div><div class=\"ps21232 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">scenarios has been updated to incorporate severe downside 1, </span></div><div class=\"ps21233 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">which is an AI and private credit based scenario, replacing the </span></div><div class=\"ps21234 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">previous downside 2 - global synchronised downturn scenario. </span></div><div class=\"ps21235 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Downside 2 is an inflation scenario focusing on the Middle East </span></div><div class=\"ps21236 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and an energy price shock, which replaces the downside 1 - </span></div><div class=\"ps21237 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">trade war scenario.</span></div><div class=\"ps21238 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a1c85896 ps23\">In addition to the assessment of the macro-economic scenarios <span class=\"f ps2\"> </span></span></div><div class=\"ps21239 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a1c85896 ps23\">themselves, scenario weightings are also reviewed taking into <span class=\"f ps2\"> </span></span></div><div class=\"ps21240 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a1c85896 ps23\">account the latest economic developments and the associated <span class=\"f ps2\"> </span></span></div><div class=\"ps21241 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a1c85896 ps23\">risks to the outlook. Prominent risks at the start of the year included <span class=\"f ps2\"> </span></span></div><div class=\"ps21242 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a1c85896 ps23\">concerns over AI, via company valuations and spending, issues <span class=\"f ps2\"> </span></span></div><div class=\"ps21243 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a1c85896 ps23\">surfacing in the private credit space, and the possible re-<span class=\"f ps2\"> </span></span></div><div class=\"ps21244 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a1c85896 ps23\">emergence of inflationary pressures, via geopolitical developments. <span class=\"f ps2\"> </span></span></div><div class=\"ps21245 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a1c85896 ps23\">Consequently, severe downside 1 scenario was allocated a 15% <span class=\"f ps2\"> </span></span></div><div class=\"ps21246 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a1c85896 ps23\">weight, while downside 2 scenario was allocated a 30% weight. <span class=\"f ps2\"> </span></span></div><div class=\"ps21247 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a1c85896 ps23\">The risks to economic activity remain skewed to the downside, with <span class=\"f ps2\"> </span></span></div><div class=\"ps21248 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a1c85896 ps23\">the downside weighting biased towards downside 2, given the <span class=\"f ps2\"> </span></span></div><div class=\"ps21250 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a1c85896 ps23\">escalating war in Iran and an energy price shock.<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21249\"> <span class=\"f ps2\"> </span></span></div><div class=\"ps21251 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The base case assumes that the onset of the Iranian conflict <span class=\"f ps2\"> </span></span></div><div class=\"ps21252 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">clouds the global economic outlook, given the sharp rise in <span class=\"f ps2\"> </span></span></div><div class=\"ps21253 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">energy prices. In the UK, annual GDP growth is forecast at 0.8% <span class=\"f ps2\"> </span></span></div><div class=\"ps21254 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">for 2026, representing a 0.4% deterioration relative to pre-<span class=\"f ps2\"> </span></span></div><div class=\"ps21255 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">conflict estimates, reflecting an assumption of a short conflict <span class=\"f ps2\"> </span></span></div><div class=\"ps21256 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and energy prices trending towards pre-war levels. Activity is <span class=\"f ps2\"> </span></span></div><div class=\"ps21257 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">expected to recover towards the end of 2026 and into 2027, <span class=\"f ps2\"> </span></span></div><div class=\"ps21258 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">with the pace of growth anticipated to strengthen to 1.8%. CPI <span class=\"f ps2\"> </span></span></div><div class=\"ps21259 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">inflation is assumed to rise through mid-2026, peaking at 3.5% <span class=\"f ps2\"> </span></span></div><div class=\"ps21260 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">before moderating to 3.3% by year end and returning to the 2% <span class=\"f ps2\"> </span></span></div><div class=\"ps21261 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">target by the fourth quarter of 2027. Near term inflation <span class=\"f ps2\"> </span></span></div><div class=\"ps21262 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">pressures are expected to result in a pause in the Bank of <span class=\"f ps2\"> </span></span></div><div class=\"ps21263 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">England (BoE) path of gradual easing, with Bank rate held at <span class=\"f ps2\"> </span></span></div><div class=\"ps21264 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">3.75% throughout 2026 before interest rate cuts resume in <span class=\"f ps2\"> </span></span></div><div class=\"ps21265 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">2027, ending the year at 3.0%. Globally, economic growth slows <span class=\"f ps2\"> </span></span></div><div class=\"ps21266 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">modestly to 3.0% in 2026, on account of the effects of the war, <span class=\"f ps2\"> </span></span></div><div class=\"ps21267 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">before recovering in 2027 and returning to trend levels of <span class=\"f ps2\"> </span></span></div><div class=\"ps21268 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">around 3.5% over the medium term. Advanced economies are <span class=\"f ps2\"> </span></span></div><div class=\"ps21269 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">projected to grow modestly, with the US expected to <span class=\"f ps2\"> </span></span></div><div class=\"ps21270 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">outperform with average annual growth of 2% while China\u2019s <span class=\"f ps2\"> </span></span></div><div class=\"ps21271 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">GDP growth averages 4.5% over the medium term. As with the <span class=\"f ps2\"> </span></span></div><div class=\"ps21272 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">UK, global monetary policy is anticipated to return to more <span class=\"f ps2\"> </span></span></div><div class=\"ps21273 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">neutral levels.<span class=\"f ps2\"> </span></span></div><div class=\"ps21213 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">Severe downside 1 scenario assumes that equity markets <span class=\"f ps2\"> </span></span></div><div class=\"ps21214 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">experience a significant repricing in AI technology companies, <span class=\"f ps2\"> </span></span></div><div class=\"ps21215 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">triggering sharp falls in equities, with the FTSE 100 falling 56%. <span class=\"f ps2\"> </span></span></div><div class=\"ps21216 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">This\u00a0shock spreads across asset classes and prompts an <span class=\"f ps2\"> </span></span></div><div class=\"ps21217 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">unwinding of a period of compressed risk premiums (GBP high-<span class=\"f ps2\"> </span></span></div><div class=\"ps21218 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">yield credit spreads widen by 1 525bps), permeating the private <span class=\"f ps2\"> </span></span></div><div class=\"ps21219 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">credit space. The financial market shock feeds through to the <span class=\"f ps2\"> </span></span></div><div class=\"ps21220 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">real economy, with UK GDP contracting by c.5% and UK real <span class=\"f ps2\"> </span></span></div><div class=\"ps21221 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">estate values falling by 15%. Central banks are assumed to <span class=\"f ps2\"> </span></span></div><div class=\"ps21222 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">respond aggressively to the demand shock through rate cuts and <span class=\"f ps2\"> </span></span></div><div class=\"ps21274 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">renewed quantitative easing with the BoE cutting the Bank rate <span class=\"f ps2\"> </span></span></div><div class=\"ps21275 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">to a low of 0.25%. Given the expedited policy response and the <span class=\"f ps2\"> </span></span></div><div class=\"ps21276 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">absence of a lasting impact on lending, the economy is expected <span class=\"f ps2\"> </span></span></div><div class=\"ps21277 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">to recover relatively quickly, regaining its pre-crisis peak in GDP <span class=\"f ps2\"> </span></span></div><div class=\"ps21227 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">within two years. The shock is global in nature, with the US <span class=\"f ps2\"> </span></span></div><div class=\"ps21228 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">particularly affected by a sharp fall in AI investment (GDP <span class=\"f ps2\"> </span></span></div><div class=\"ps21229 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">contracting 5.7%), while Euro area output declines by 4.1% and <span class=\"f ps2\"> </span></span></div><div class=\"ps21278 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">global GDP by 2.9%. Interest rates in the UK, US and EU are <span class=\"f ps2\"> </span></span></div><div class=\"ps21279 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">assumed to be cut to close to zero.<span class=\"f ps2\"> </span></span></div><div class=\"ps21232 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Downside 2 scenario envisages a significant escalation in the <span class=\"f ps2\"> </span></span></div><div class=\"ps21233 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Iranian conflict, pushing oil prices to USD150/bbl and natural <span class=\"f ps2\"> </span></span></div><div class=\"ps21234 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">gas prices to 200p/therm, with prices remaining elevated for a <span class=\"f ps2\"> </span></span></div><div class=\"ps21235 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">prolonged period. In the UK, CPI inflation is assumed to peak at <span class=\"f ps2\"> </span></span></div><div class=\"ps21236 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">6.0% and average 4.4% over the five-year projection horizon. In <span class=\"f ps2\"> </span></span></div><div class=\"ps21237 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">response, the BoE tightens monetary policy, with Bank Rate <span class=\"f ps2\"> </span></span></div><div class=\"ps21280 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">rising to 5.50% in the first quarter of 2027, before easing <span class=\"f ps2\"> </span></span></div><div class=\"ps21281 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">towards the end of the scenario horizon. The economy endures <span class=\"f ps2\"> </span></span></div><div class=\"ps21282 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">a seven-quarter recession, with GDP contracting by 3.1% peak <span class=\"f ps2\"> </span></span></div><div class=\"ps21283 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">to trough. Unemployment rises to a peak of 7.9%, which <span class=\"f ps2\"> </span></span></div><div class=\"ps21284 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">combined with higher interest rates contributes to a 17% fall in <span class=\"f ps2\"> </span></span></div><div class=\"ps15804 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">house prices. The energy price shock is global, pushing inflation <span class=\"f ps2\"> </span></span></div><div class=\"ps15805 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">sharply higher and prompting interest rate increases from other <span class=\"f ps2\"> </span></span></div><div class=\"ps15806 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps74\">major central banks. The Federal Reserve is assumed to increase <span class=\"f ps2\"> </span></span></div><div class=\"ps15807 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps74\">interest rates by 175bps and the ECB by 150bps. The US and Euro <span class=\"f ps2\"> </span></span></div><div class=\"ps15808 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps74\">area economies experience recessions of 2.7% and 2.5%, <span class=\"f ps2\"> </span></span></div><div class=\"ps15809 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps74\">respectively, while global GDP growth contracts by 1.8%.<span class=\"f ps2\"> </span></span></div><div class=\"ps21250 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">In the upside case, UK economic activity proves more resilient, </span></div><div class=\"ps15811 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">and the pace of recovery is more robust, as stronger </span></div><div class=\"ps21285 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">confidence and lower interest rates prompt a pickup in </span></div><div class=\"ps21286 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">investment. Over the scenario horizon productivity growth is </span></div><div class=\"ps21287 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">expected to support stronger economic growth, with medium-</span></div><div class=\"ps21288 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">term GDP growth averaging 2% p.a. Growth is also stronger </span></div><div class=\"ps21289 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">globally, although the US is expected to outperform, supported </span></div><div class=\"ps21290 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">by AI investment. Inflation pressures ease, and monetary policy </span></div><div class=\"ps21291 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">is assumed to normalise to neutral more quickly. </span></div><div class=\"ps21259 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">The graph below shows the forecasted UK GDP under each <span class=\"f ps2\"> </span></span></div><div class=\"ps21260 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">macro-economic scenario applied at 31 March 2026.<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ae98c9a5 ps21292\">UK GDP <span class=\"f ps2\"> </span></span></div><div class=\"ps21261 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-ae98c9a5 ps74\">Forecast<span class=\"f ps2\"> </span></span></div><div class=\"ps21293 ss8\"><div class=\"ss222 ws0 ps89\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:3.75pt\"></td><td style=\"padding:0;width:231pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps299 ss2273\"><div><div class=\"ps2632 ss1467\"><span class=\"f charStyle-2b0f4fe0 ps7\">\u00a3\u2019billion<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21294 ss8\"><div class=\"ps89\"><div class=\"ps19\"><img alt=\"66\" id=\"i-192\" 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2Of6bWL9VkroUkga0b/LbTw2rq3XKVc+aIRuZ3utP39t9Y4OO5nS0f8IJk90D3Rmn0bMrs8TzclGDHbJ8/mWogo6QUBnTH3PKs842dD6pBzv1Vp0Y3iJX3+NzPzVKr4jYtGKLHNbuP7DYvkUjwb91Qq7dm/XtfA9BpsB+WMZGIkon7X7Xg3ddzfh/h/Wwv2vswJ1GYcb3YbjxrKcYKb+vIipc3bfn2b3xNeofwpW/ygawdNhCruZATzCHn7aLa5Lp8ws8euv99gD1oDQaOn0PHkwLM8ze3ikjmoJjTT93hrx2juze+xzLZUvrbdWlHg+fMKuj9bXZ7uNx8m15Trps6O+lb/zjjXwtRv264X4h2Dsup7T7aGjK1FflCdNdurzYTne08pwR5d7erRWqDVWYf8gz7mzg8W3zfGeRo76l3iB1laWdgXp+AntJnqrhTzQgfdb5nhPx2M1uI1nGA6wSqLSKo3W1oH6rqW9uozuf33A6LguXRrmSy73oOP/WiV4aB5TrjOSn8/T+r7ZDGO+iPOO9jOXkV5kD7SdqX8KVv/oQzK7O4XOon3QIhkN9ve0PEwu4eufXXj749aQeDpPuuctUrRvnvrHxfJAjcPRec6VHeKRHTOm131ZnvLVw6JKz5d4PaRjdP9s/86TXe7u1hn2LDwsz7NybOw67W739vY50i+3oMqgQvxjMHZdyxFWqLW19pUW0mnBe8EefANzmAHtRro3dlwL9i2tVNiKhoG1u/UbVolG0e/Ux+VeiqAUqLTCrLPCjolFbOJoFE3HYJ0fO76rRRt0PGK0q0Kv2xNWqI9owTBm0ciedlXd48onWqcLrd5vD+7TXP6BxO/ZPahbI1XH3tOJJkm34eLQ0dZ3S4ZReSOSPldlP8CV7ljH7lD/VNl3+E4OQ1FjZfKFEi4DN9q9r2W/pd0ddIkNHQN3aex4X4v66D0ajfSda3XWwBznyu7qkr2vs/mnBvGAWNovmvm4p4TzYHdr3L9h12ZdnnTNVl9pz8s+ORoxW8Wu0xC7t3NF5XQ1Cp2dXJCx60m8VZexv91MumaNjnnQgft7x/Rq5IGkN91XrRW2xFq4WqlqyPhXdgO5SMv6AXsg6sNtdOy8oyMmRs9fa4blUPuMdgmeYxXrCxbtSJdgHuiSGsdbYV2R4/rrw2Vh5OF2kAvHG25hhVxnmt1prbVPWSssW64etut5t7X+4udOuw1nmP3QjMSnXf69N0sJHePzd7vGP3PrZ+xF9Vak5axlQbupT7Lrto1VmBeYOb8+cm6NrOp4yXorG3vkOPcMy4O3zNSfYfmq5UG7ZrPju9ZaGVtJ/VOQ+ke7vPey69/LzL1OsvilmYzT3YYLx5YSev20i1qX1Hgxx/Xf1q2fRLTCTJyOg9Qo6Sq7r39tDdOz3IbrBmq99XmLPmna/pb+WitDWl6iYylftHN8yv5WP6uLfmTvnedaXsKjWBlsDUu91jq2bmiOfFjo1q8t95LlgV4nHfupPTg6lORqi9ZdGLlOtWaWT7Pz6zNDo9snWplbY3m0Mk+jUusl9ootMn6Yo5UaZwu34WKFJ9nDZlCkBfFrK3TR0PGtrbTAG6wSjaJRp5+69WHjlD0wv+JKc/BypWt9tt11bsMdJfpZBGJ85Fh2ckl0vaOWlibIcqndA84Ku1bKOiP3zDK5/7NbG7XETrFKTburbrfKNxtpuMfu0Wg50Yknl7Vy7n5u/WLR21ilPt5tGLWeZOZxBvVPQesf/Tu/MBOXndA334zkEyVcBl4zU5YPnUF/eCwQo+NEo70ry+z651qT82iLCEZ3Tllm5u76HI31vew8e0SOPWl1Uqkuc6IG7d5W0nxE9Fys4agN9hGRY4/bcyDeKN/S8uB0CwBk0S53jarm6535mpWJTdorFmPXdWzlco/XijInRyup0gqgVoav5InubO1aXvspcLkHOyfs3No9MtPlXgyzlKhu5f0VeUythtB3tff/l6OCTLr1Y7fy8b5bP3axyszFUlceM8+yxmpAK2nmuY27Zyss4qOfn5XHQPc3tbds6TlHWgU80/KD+qfz6p+tLG9X2LlTJV4GBruNh79E0S7BxXnub82Deqt/WhusP8waQ+9bI6WplfSjrWzWutKNlkYbFQNbSbMoTxBgL7tn33GtL4m0hRnm3pYHrdUtfa0cLXLls9wPAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAQJb/Bzmuz14/77ZqAAAAAElFTkSuQmCC\" style=\"height:85.03pt;width:236.25pt\"/></div></div></div><div class=\"ps21297 ss8\"><div class=\"ss607 ws0 ps89\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:3.75pt\"></td><td style=\"padding:0;width:116.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:108pt\"></td></tr><tr style=\"height:6pt\"><td style=\"border-bottom:2pt solid #303849;border-top:0.35pt solid #000000;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.35pt solid #000000;border-top:0.35pt solid #000000;padding:0\"><div class=\"ps299 ss2274\"><div><div class=\"ps603 ss996\"><span class=\"f charStyle-6fb37d81 ps7\">Upside<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:2pt solid #78414d;border-top:0.35pt solid #000000;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.35pt solid #000000;border-top:0.35pt solid #000000;padding:0\"><div class=\"ps14026 ss2275\"><div><div class=\"ps183 ss590\"><span class=\"f charStyle-6fb37d81 ps7\">Base case<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:6pt\"><td style=\"border-bottom:0.35pt solid #000000;border-top:2pt solid #303849;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.35pt solid #000000;border-top:2pt solid #78414d;padding:0\"></td></tr><tr style=\"height:6pt\"><td style=\"border-bottom:2pt solid #dbb381;border-top:0.35pt solid #000000;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.35pt solid #000000;border-top:0.35pt solid #000000;padding:0\"><div class=\"ps21296 ss2274\"><div><div class=\"ps603 ss996\"><span class=\"f charStyle-6fb37d81 ps7\">Severe downside 1<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:2pt solid #71abac;border-top:0.35pt solid #000000;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.35pt solid #000000;border-top:0.35pt solid #000000;padding:0\"><div class=\"ps16580 ss2275\"><div><div class=\"ps603 ss590\"><span class=\"f charStyle-6fb37d81 ps7\">Downside 2<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:6pt\"><td style=\"border-bottom:0.35pt solid #000000;border-top:2pt solid #dbb381;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.35pt solid #000000;border-top:2pt solid #71abac;padding:0\"></td></tr></tbody></table></div></div></div><div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The table that follows shows the key factors that form part of the UK and Other macro-economic scenarios and their relative <span class=\"f ps2\"> </span></span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">applied weightings.<span class=\"f ps2\"> </span></span></div><div class=\"ps21399 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:102.75pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td><td style=\"padding:0;width:47.25pt\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"4\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps21301 ss2276\"><div><div class=\"ps1404 ss1543\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps1476\">At </span><span class=\"f charStyle-ef17fa27 ps21298\">31 March 2026<span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps21299\"> <span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss1543\"><span class=\"f charStyle-ef17fa27 ps21300\">average 2026 \u2013 2031</span></div></div></div></td><td colspan=\"4\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps21304 ss2276\"><div><div class=\"ps1404 ss1543\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps15494\">At </span><span class=\"f charStyle-6f1c08a8 ps21302\">31 March 2025<span class=\"f ps2\"> </span></span></div><div class=\"ps1400 ss1543\"><span class=\"f charStyle-6f1c08a8 ps21303\">average 2025 \u2013 2030<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:33pt\"><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps429 ss2278\"><div><div class=\"ps11624 ss2277\"><span class=\"f charStyle-a26246ce ps7\">Macro-economic scenarios<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21305 ss2279\"><div><div class=\"ps12527 ss844\"><span class=\"f charStyle-a26246ce ps15793\">Upside<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21309 ss2279\"><div><div class=\"ps21307 ss844\"><span class=\"f charStyle-ef17fa27 ps21306\">Base<span class=\"f ps2\"> </span></span></div><div class=\"ps12527 ss844\"><span class=\"f charStyle-ef17fa27 ps21308\">case<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21311 ss2279\"><div><div class=\"ps21307 ss844\"><span class=\"f charStyle-ef17fa27 ps21310\">Severe <span class=\"f ps2\"> </span></span></div><div class=\"ps12527 ss844\"><span class=\"f charStyle-ef17fa27 ps2478\">downside 1<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21312 ss2279\"><div><div class=\"ps12527 ss844\"><span class=\"f charStyle-a26246ce ps18457\">Downside 2<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps21313 ss2279\"><div><div class=\"ps12527 ss844\"><span class=\"f charStyle-8d4b9b37 ps9415\">Upside<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps21314 ss2279\"><div><div class=\"ps21307 ss844\"><span class=\"f charStyle-8d4b9b37 ps9941\">Base<span class=\"f ps2\"> </span></span></div><div class=\"ps12527 ss844\"><span class=\"f charStyle-8d4b9b37 ps11540\">case<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps21317 ss2279\"><div><div class=\"ps21307 ss844\"><span class=\"f charStyle-8d4b9b37 ps21315\">Downside 1<span class=\"f ps2\"> </span></span></div><div class=\"ps12527 ss844\"><span class=\"f charStyle-8d4b9b37 ps21316\">trade war<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps21322 ss2279\"><div><div class=\"ps21318 ss844\"><span class=\"f charStyle-8d4b9b37 ps18878\">Downside 2<span class=\"f ps2\"> </span></span></div><div class=\"ps21319 ss844\"><span class=\"f charStyle-8d4b9b37 ps14870\">global <span class=\"f ps2\"> </span></span></div><div class=\"ps21307 ss844\"><span class=\"f charStyle-8d4b9b37 ps21320\">synchronised <span class=\"f ps2\"> </span></span></div><div class=\"ps12527 ss844\"><span class=\"f charStyle-8d4b9b37 ps21321\">downturn<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21324 ss901\"><div><div class=\"ps4014 ss844\"><span class=\"f charStyle-a26246ce ps21323\">%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21325 ss901\"><div><div class=\"ps4014 ss844\"><span class=\"f charStyle-a26246ce ps21323\">%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21326 ss901\"><div><div class=\"ps4014 ss844\"><span class=\"f charStyle-a26246ce ps21323\">%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21327 ss901\"><div><div class=\"ps4014 ss844\"><span class=\"f charStyle-a26246ce ps21323\">%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21329 ss901\"><div><div class=\"ps4014 ss844\"><span class=\"f charStyle-8d4b9b37 ps21328\">%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21330 ss901\"><div><div class=\"ps4014 ss844\"><span class=\"f charStyle-8d4b9b37 ps21328\">%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21331 ss901\"><div><div class=\"ps4014 ss844\"><span class=\"f charStyle-8d4b9b37 ps21328\">%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21332 ss901\"><div><div class=\"ps4014 ss844\"><span class=\"f charStyle-8d4b9b37 ps21328\">%<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps4049 ss2280\"><div><div class=\"ps4184 ss2277\"><span class=\"f charStyle-b7f6e8e5 ps7\">UK<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3844 ss2280\"><div><div class=\"ps4184 ss2277\"><span class=\"f charStyle-2b0f4fe0 ps7\">GDP growth<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21333 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.36pt\"></span></span><span class=\"ps14003\">2.1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21334 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.47pt\"></span></span><span class=\"ps9900\">1.5<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21335 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.45pt\"></span></span><span class=\"ps9981\">0.7<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16595 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.37pt\"></span></span><span class=\"ps8343\">(0.3)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21336 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.36pt\"></span></span><span class=\"ps14003\">2.1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21338 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.71pt\"></span></span><span class=\"ps21337\">1.7<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21340 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.98pt\"></span></span><span class=\"ps21339\">0.4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21341 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.98pt\"></span></span><span class=\"ps21339\">0.4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13417 ss2280\"><div><div class=\"ps4184 ss2277\"><span class=\"f charStyle-2b0f4fe0 ps7\">Unemployment rate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21342 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.12pt\"></span></span><span class=\"ps12700\">4.5<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21343 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30pt\"></span></span><span class=\"ps11163\">4.8<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21344 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.23pt\"></span></span><span class=\"ps4264\">5.8<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16605 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.48pt\"></span></span><span class=\"ps11244\">7.2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21345 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.24pt\"></span></span><span class=\"ps433\">4.1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21346 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.36pt\"></span></span><span class=\"ps16008\">4.7<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21347 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.48pt\"></span></span><span class=\"ps11244\">6.7<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21348 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.12pt\"></span></span><span class=\"ps12700\">6.8<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4807 ss2280\"><div><div class=\"ps4184 ss2277\"><span class=\"f charStyle-2b0f4fe0 ps7\">CPI inflation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21349 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.1pt\"></span></span><span class=\"ps13361\">2.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21351 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.99pt\"></span></span><span class=\"ps21350\">2.3<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21352 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.36pt\"></span></span><span class=\"ps14003\">1.2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16615 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.89pt\"></span></span><span class=\"ps1616\">4.4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21353 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.1pt\"></span></span><span class=\"ps13361\">2.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21354 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.36pt\"></span></span><span class=\"ps14003\">2.1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21355 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.48pt\"></span></span><span class=\"ps11244\">2.7<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21356 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.36pt\"></span></span><span class=\"ps14003\">1.6<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3328 ss2280\"><div><div class=\"ps4184 ss2277\"><span class=\"f charStyle-2b0f4fe0 ps7\">House price growth<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21357 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.01pt\"></span></span><span class=\"ps8351\">4.6<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21358 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.1pt\"></span></span><span class=\"ps13361\">3.5<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21359 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.74pt\"></span></span><span class=\"ps12690\">(0.1)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21360 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.26pt\"></span></span><span class=\"ps12946\">(3.3)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21361 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.99pt\"></span></span><span class=\"ps21350\">3.6<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21362 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.13pt\"></span></span><span class=\"ps20406\">2.9<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21364 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.4pt\"></span></span><span class=\"ps21363\">(2.3)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21365 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.51pt\"></span></span><span class=\"ps15451\">(0.9)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1026 ss2280\"><div><div class=\"ps815 ss2277\"><span class=\"f charStyle-2b0f4fe0 ps7\">BoE \u2013 Bank rate (end year)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21366 ss854\"><div><div class=\"ps2632 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.96pt\"></span></span><span class=\"ps9235\">3.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21368 ss854\"><div><div class=\"ps2632 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.22pt\"></span></span><span class=\"ps21367\">3.1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21369 ss854\"><div><div class=\"ps2632 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.24pt\"></span></span><span class=\"ps433\">1.4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16624 ss854\"><div><div class=\"ps2632 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.21pt\"></span></span><span class=\"ps4570\">5.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21370 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.96pt\"></span></span><span class=\"ps9235\">3.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21371 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.22pt\"></span></span><span class=\"ps21367\">3.1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21372 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.99pt\"></span></span><span class=\"ps21350\">3.9<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21373 ss854\"><div><div class=\"ps815 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.71pt\"></span></span><span class=\"ps21337\">1.7<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1027 ss2280\"><div><div class=\"ps4184 ss2277\"><span class=\"f charStyle-b7f6e8e5 ps7\">Euro area<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1031 ss2280\"><div><div class=\"ps4184 ss2277\"><span class=\"f charStyle-2b0f4fe0 ps7\">GDP growth<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21374 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.36pt\"></span></span><span class=\"ps14003\">1.9<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21375 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.47pt\"></span></span><span class=\"ps9900\">1.5<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21377 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.59pt\"></span></span><span class=\"ps21376\">1.1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps16638 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.74pt\"></span></span><span class=\"ps12690\">(0.1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21378 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.1pt\"></span></span><span class=\"ps13361\">2.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21379 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.22pt\"></span></span><span class=\"ps21367\">1.3<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21380 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.96pt\"></span></span><span class=\"ps9235\">0.3<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21381 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.1pt\"></span></span><span class=\"ps13361\">0.2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1035 ss2280\"><div><div class=\"ps4184 ss2277\"><span class=\"f charStyle-b7f6e8e5 ps7\">US<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps344 ss2280\"><div><div class=\"ps4184 ss2277\"><span class=\"f charStyle-2b0f4fe0 ps7\">GDP growth<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21382 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.48pt\"></span></span><span class=\"ps11244\">2.7<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21383 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.1pt\"></span></span><span class=\"ps13361\">2.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21384 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.33pt\"></span></span><span class=\"ps11292\">1.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21385 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.1pt\"></span></span><span class=\"ps13361\">0.2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21386 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.01pt\"></span></span><span class=\"ps8351\">2.4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21387 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.36pt\"></span></span><span class=\"ps14003\">1.9<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21388 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.1pt\"></span></span><span class=\"ps13361\">0.6<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21389 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.1pt\"></span></span><span class=\"ps13361\">0.6<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps1042 ss2280\"><div><div class=\"ps4184 ss2277\"><span class=\"f charStyle-b7f6e8e5 ps7\">Scenario weightings<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21390 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.98pt\"></span></span><span class=\"ps11445\">10<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21392 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.9pt\"></span></span><span class=\"ps21391\">45<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21393 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.31pt\"></span></span><span class=\"ps19079\">15<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16646 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.71pt\"></span></span><span class=\"ps15420\">30<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21394 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.98pt\"></span></span><span class=\"ps11445\">10<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21396 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.7pt\"></span></span><span class=\"ps21395\">60<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21397 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.93pt\"></span></span><span class=\"ps17550\">20<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21398 ss854\"><div><div class=\"ps4184 ss844\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.98pt\"></span></span><span class=\"ps11445\">10<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21400 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The following table shows annual averages of economic factors for the base case over a five-year period based on the economic <span class=\"f ps2\"> </span></span></div><div class=\"ps21401 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">forecasts in place as at 31 March 2026.<span class=\"f ps2\"> </span></span></div><div class=\"ps21439 ss8\"><div class=\"ss47 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:207.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td></tr><tr style=\"height:12pt\"><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps19 ss2281\"><div><div class=\"ps11114 ss572\"><span class=\"f charStyle-a26246ce ps7\">Base case %<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"5\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps2462 ss2283\"><div><div class=\"ps809 ss2282\"><span class=\"f charStyle-a26246ce ps21402\">Financial years<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2468 ss1619\"><div><div class=\"ps809 ss1308\"><span class=\"f charStyle-a26246ce ps4284\">2026/2027<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21403 ss1619\"><div><div class=\"ps809 ss1308\"><span class=\"f charStyle-a26246ce ps4284\">2027/2028<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21404 ss1619\"><div><div class=\"ps809 ss1308\"><span class=\"f charStyle-a26246ce ps10466\">2028/2029<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21405 ss1619\"><div><div class=\"ps809 ss1308\"><span class=\"f charStyle-a26246ce ps6586\">2029/2030<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps21406 ss1619\"><div><div class=\"ps809 ss1308\"><span class=\"f charStyle-a26246ce ps9672\">2030/2031<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps817 ss575\"><div><div class=\"ps4184 ss572\"><span class=\"f charStyle-b7f6e8e5 ps7\">UK<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps824 ss575\"><div><div class=\"ps4184 ss572\"><span class=\"f charStyle-2b0f4fe0 ps7\">GDP growth<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21408 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.83pt\"></span></span><span class=\"ps21407\">1.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19635 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.86pt\"></span></span><span class=\"ps4544\">1.9<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21409 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.86pt\"></span></span><span class=\"ps4544\">1.6<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11078 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.86pt\"></span></span><span class=\"ps4544\">1.6<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11080 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.86pt\"></span></span><span class=\"ps4544\">1.6<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps830 ss575\"><div><div class=\"ps4184 ss572\"><span class=\"f charStyle-2b0f4fe0 ps7\">Unemployment rate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19468 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.74pt\"></span></span><span class=\"ps21410\">5.2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps19641 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.71pt\"></span></span><span class=\"ps21411\">5.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21413 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.51pt\"></span></span><span class=\"ps21412\">4.6<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11082 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.51pt\"></span></span><span class=\"ps21412\">4.6<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11083 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.51pt\"></span></span><span class=\"ps21412\">4.6<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss575\"><div><div class=\"ps4184 ss572\"><span class=\"f charStyle-2b0f4fe0 ps7\">CPI inflation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21414 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.49pt\"></span></span><span class=\"ps10346\">3.2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21415 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.86pt\"></span></span><span class=\"ps4544\">2.1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21417 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.6pt\"></span></span><span class=\"ps21416\">2.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11084 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.6pt\"></span></span><span class=\"ps21416\">2.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11086 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.6pt\"></span></span><span class=\"ps21416\">2.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps843 ss575\"><div><div class=\"ps4184 ss572\"><span class=\"f charStyle-2b0f4fe0 ps7\">House price growth<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21418 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.86pt\"></span></span><span class=\"ps4544\">1.6<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21420 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.09pt\"></span></span><span class=\"ps21419\">5.7<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21422 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.48pt\"></span></span><span class=\"ps21421\">3.8<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11087 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.35pt\"></span></span><span class=\"ps21423\">3.3<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11089 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.49pt\"></span></span><span class=\"ps10346\">3.2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps849 ss575\"><div><div class=\"ps4184 ss572\"><span class=\"f charStyle-2b0f4fe0 ps7\">BoE \u2013 Bank rate (end year)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21424 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.6pt\"></span></span><span class=\"ps21416\">3.5<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21425 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.46pt\"></span></span><span class=\"ps13852\">3.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21426 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.46pt\"></span></span><span class=\"ps13852\">3.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11091 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.46pt\"></span></span><span class=\"ps13852\">3.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11093 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.46pt\"></span></span><span class=\"ps13852\">3.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps853 ss575\"><div><div class=\"ps4184 ss572\"><span class=\"f charStyle-b7f6e8e5 ps7\">Euro area<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps858 ss575\"><div><div class=\"ps4184 ss572\"><span class=\"f charStyle-2b0f4fe0 ps7\">GDP growth<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21427 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.09pt\"></span></span><span class=\"ps15906\">1.1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21429 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.85pt\"></span></span><span class=\"ps21428\">1.8<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21430 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.97pt\"></span></span><span class=\"ps15827\">1.5<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21432 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.74pt\"></span></span><span class=\"ps21431\">1.4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21433 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.97pt\"></span></span><span class=\"ps15827\">1.5<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps863 ss575\"><div><div class=\"ps4184 ss572\"><span class=\"f charStyle-b7f6e8e5 ps7\">US<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps368 ss575\"><div><div class=\"ps4184 ss572\"><span class=\"f charStyle-2b0f4fe0 ps7\">GDP growth<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21434 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.86pt\"></span></span><span class=\"ps4544\">1.9<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21435 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.86pt\"></span></span><span class=\"ps4544\">2.1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21436 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.86pt\"></span></span><span class=\"ps4544\">2.1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21437 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.6pt\"></span></span><span class=\"ps21416\">2.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21438 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.6pt\"></span></span><span class=\"ps21416\">2.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The following table outlines the extreme point forecast for each economic factor across the scenarios as at 31 March 2026. <span class=\"f ps2\"> </span></span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Baseline represents the five-year base case average. Upside scenario values represent the best outcomes, namely the highest <span class=\"f ps2\"> </span></span></div><div class=\"ps701 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">quarterly level of GDP, house price growth (year on year), lowest level of unemployment and Bank rate. Upside scenario value for <span class=\"f ps2\"> </span></span></div><div class=\"ps702 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">CPI inflation is represented by the five-year average. Downside scenario values represent the worst outcomes being the lowest <span class=\"f ps2\"> </span></span></div><div class=\"ps3313 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">quarterly level of GDP, house price growth (year on year). For Bank rate and CPI inflation the most extreme point listed, is the <span class=\"f ps2\"> </span></span></div><div class=\"ps6370 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">lowest level in severe downside 1 scenario and the highest in downside 2 scenario.<span class=\"f ps2\"> </span></span></div><div class=\"ps21481 ss8\"><div class=\"ss47 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:262.5pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:54.75pt\"></td></tr><tr style=\"height:35.25pt\"><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss2285\"><div><div class=\"ps11279 ss2284\"><span class=\"f charStyle-ef17fa27 ps7\">Five-year extreme points</span></div><div class=\"ps11280 ss2284\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">At <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps13038\">31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps3273 ss2286\"><div><div class=\"ps11284 ss1308\"><span class=\"f charStyle-ef17fa27 ps11321\">Upside<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps6196 ss2286\"><div><div class=\"ps11288 ss1308\"><span class=\"f charStyle-ef17fa27 ps13669\">Baseline: Base <span class=\"f ps2\"> </span></span></div><div class=\"ps11283 ss1308\"><span class=\"f charStyle-ef17fa27 ps21442\">case five\u2013year <span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1308\"><span class=\"f charStyle-ef17fa27 ps21443\">average<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11071 ss2286\"><div><div class=\"ps11283 ss1308\"><span class=\"f charStyle-ef17fa27 ps21444\">Severe <span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1308\"><span class=\"f charStyle-ef17fa27 ps18683\">downside 1<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11073 ss2286\"><div><div class=\"ps11284 ss1308\"><span class=\"f charStyle-a26246ce ps14725\">Downside 2<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21445 ss1619\"><div><div class=\"ps809 ss1308\"><span class=\"f charStyle-a26246ce ps2186\">%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21446 ss1619\"><div><div class=\"ps809 ss1308\"><span class=\"f charStyle-a26246ce ps2186\">%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21447 ss1619\"><div><div class=\"ps809 ss1308\"><span class=\"f charStyle-a26246ce ps2186\">%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21448 ss1619\"><div><div class=\"ps809 ss1308\"><span class=\"f charStyle-a26246ce ps2186\">%<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1202 ss2287\"><div><div class=\"ps4184 ss2284\"><span class=\"f charStyle-b7f6e8e5 ps7\">UK<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4468 ss2287\"><div><div class=\"ps4184 ss2284\"><span class=\"f charStyle-2b0f4fe0 ps7\">GDP growth<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21449 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.63pt\"></span></span><span class=\"ps14073\">2.6<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21450 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.97pt\"></span></span><span class=\"ps15827\">1.5<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21452 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.15pt\"></span></span><span class=\"ps21451\">(5.6)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14047 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.04pt\"></span></span><span class=\"ps12163\">(2.6)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4084 ss2287\"><div><div class=\"ps4184 ss2284\"><span class=\"f charStyle-2b0f4fe0 ps7\">Unemployment rate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21453 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.39pt\"></span></span><span class=\"ps3363\">4.4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21455 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.5pt\"></span></span><span class=\"ps21454\">4.8<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21456 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.97pt\"></span></span><span class=\"ps12264\">7.8<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21458 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.98pt\"></span></span><span class=\"ps21457\">7.9<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4676 ss2287\"><div><div class=\"ps4184 ss2284\"><span class=\"f charStyle-2b0f4fe0 ps7\">CPI inflation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21459 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.6pt\"></span></span><span class=\"ps21416\">2.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21460 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.49pt\"></span></span><span class=\"ps10346\">2.3<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21461 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.6pt\"></span></span><span class=\"ps21416\">0.6<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21462 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.6pt\"></span></span><span class=\"ps21416\">6.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3327 ss2287\"><div><div class=\"ps4184 ss2284\"><span class=\"f charStyle-2b0f4fe0 ps7\">House price growth<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21463 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.74pt\"></span></span><span class=\"ps21410\">5.6<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21464 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.6pt\"></span></span><span class=\"ps21416\">3.5<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21465 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.91pt\"></span></span><span class=\"ps15631\">(13.7)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14063 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.38pt\"></span></span><span class=\"ps14691\">(8.7)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps7432 ss2287\"><div><div class=\"ps4184 ss2284\"><span class=\"f charStyle-2b0f4fe0 ps7\">BoE \u2013 Bank rate (end year)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21466 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.46pt\"></span></span><span class=\"ps13852\">3.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21468 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.72pt\"></span></span><span class=\"ps21467\">3.1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21469 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.46pt\"></span></span><span class=\"ps13852\">0.3<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21471 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.85pt\"></span></span><span class=\"ps21470\">5.5<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12168 ss2287\"><div><div class=\"ps4184 ss2284\"><span class=\"f charStyle-b7f6e8e5 ps7\">Euro area<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8389 ss2287\"><div><div class=\"ps4184 ss2284\"><span class=\"f charStyle-2b0f4fe0 ps7\">GDP growth<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21472 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.6pt\"></span></span><span class=\"ps21416\">2.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21473 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.97pt\"></span></span><span class=\"ps15827\">1.5<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21474 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.89pt\"></span></span><span class=\"ps911\">(3.8)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21476 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.27pt\"></span></span><span class=\"ps21475\">(2.1)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12558 ss2287\"><div><div class=\"ps4184 ss2284\"><span class=\"f charStyle-b7f6e8e5 ps7\">US<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><span id=\"i225173b6d7544ed287656a910b6aae90_11-0-1-1-3222700\"></span><div class=\"ps12562 ss2287\"><div><div class=\"ps4184 ss2284\"><span class=\"f charStyle-2b0f4fe0 ps7\">GDP growth<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21477 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.62pt\"></span></span><span class=\"ps13499\">2.8<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21478 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.6pt\"></span></span><span class=\"ps21416\">2.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21479 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.15pt\"></span></span><span class=\"ps21451\">(5.2)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><span id=\"i225173b6d7544ed287656a910b6aae90_11-4-1-1-3222700\"></span><div class=\"ps21480 ss1619\"><div><div class=\"ps4184 ss1308\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.92pt\"></span></span><span class=\"ps15288\">(2.4)</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21482 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The following table outlines the extreme point forecast for each economic factor across the scenarios as at 31 March 2025. </span></div><div class=\"ps21483 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Baseline represents the five\u2013year base case average. Upside scenario values represent the best outcomes, namely the highest </span></div><div class=\"ps21484 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">quarterly level of GDP, house price growth (year on year), lowest level of unemployment and Bank rate. Upside scenario value </span></div><div class=\"ps21485 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">for\u00a0CPI inflation is represented by the five\u2013year average. Downside scenario values represent the worst outcomes being the lowest </span></div><div class=\"ps21486 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">quarterly level of GDP, house price growth (year on year). For Bank rate and CPI inflation the most extreme point is listed, the </span></div><div class=\"ps21487 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">highest level reflective in downside 1 \u2013 trade war scenario and the lowest in downside 2 \u2013 global synchronised downturn scenario.</span></div><div class=\"ps21533 ss8\"><div class=\"ss1321 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:269.25pt\"></td><td style=\"padding:0;width:52.5pt\"></td><td style=\"padding:0;width:52.5pt\"></td><td style=\"padding:0;width:52.5pt\"></td><td style=\"padding:0;width:52.5pt\"></td></tr><tr style=\"height:35.25pt\"><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss2289\"><div><div class=\"ps11279 ss2288\"><span class=\"f charStyle-ef17fa27 ps7\">Five-year extreme points</span></div><div class=\"ps11280 ss2288\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps7\">At <span class=\"f ps2\"> </span></span><span class=\"f charStyle-ef17fa27 ps13038\">31 March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21488 ss2290\"><div><div class=\"ps11284 ss1518\"><span class=\"f charStyle-ef17fa27 ps19488\">Upside<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21491 ss2290\"><div><div class=\"ps11288 ss1518\"><span class=\"f charStyle-ef17fa27 ps3230\">Baseline: Base <span class=\"f ps2\"> </span></span></div><div class=\"ps11283 ss1518\"><span class=\"f charStyle-ef17fa27 ps21489\">case five\u2013year <span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1518\"><span class=\"f charStyle-ef17fa27 ps21490\">average<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps13689 ss2290\"><div><div class=\"ps11283 ss1518\"><span class=\"f charStyle-ef17fa27 ps17615\">Downside 1<span class=\"f ps2\"> </span></span></div><div class=\"ps11284 ss1518\"><span class=\"f charStyle-ef17fa27 ps4332\">trade war<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps11073 ss2290\"><div><div class=\"ps189 ss1518\"><span class=\"f charStyle-a26246ce ps10545\">Downside 2<span class=\"f ps2\"> </span></span></div><div class=\"ps3505 ss1518\"><span class=\"f charStyle-a26246ce ps21492\">global <span class=\"f ps2\"> </span></span></div><div class=\"ps21494 ss1518\"><span class=\"f charStyle-a26246ce ps21493\">synchronised <span class=\"f ps2\"> </span></span></div><div class=\"ps21496 ss1518\"><span class=\"f charStyle-a26246ce ps21495\">downturn<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21498 ss1522\"><div><div class=\"ps809 ss1518\"><span class=\"f charStyle-a26246ce ps21497\">%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21499 ss1522\"><div><div class=\"ps809 ss1518\"><span class=\"f charStyle-a26246ce ps21497\">%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21500 ss1522\"><div><div class=\"ps809 ss1518\"><span class=\"f charStyle-a26246ce ps21497\">%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21448 ss1522\"><div><div class=\"ps809 ss1518\"><span class=\"f charStyle-a26246ce ps21497\">%<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1202 ss2291\"><div><div class=\"ps4184 ss2288\"><span class=\"f charStyle-b7f6e8e5 ps7\">UK<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4468 ss2291\"><div><div class=\"ps4184 ss2288\"><span class=\"f charStyle-2b0f4fe0 ps7\">GDP growth<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21501 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.38pt\"></span></span><span class=\"ps14691\">2.9<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21502 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.96pt\"></span></span><span class=\"ps3552\">1.7<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21503 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.62pt\"></span></span><span class=\"ps12368\">(3.0)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14047 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.9pt\"></span></span><span class=\"ps951\">(4.1)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4084 ss2291\"><div><div class=\"ps4184 ss2288\"><span class=\"f charStyle-2b0f4fe0 ps7\">Unemployment rate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21505 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.23pt\"></span></span><span class=\"ps21504\">3.8<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21506 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.61pt\"></span></span><span class=\"ps336\">4.7<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21507 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.48pt\"></span></span><span class=\"ps13995\">8.5<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21458 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.34pt\"></span></span><span class=\"ps21508\">8.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4676 ss2291\"><div><div class=\"ps4184 ss2288\"><span class=\"f charStyle-2b0f4fe0 ps7\">CPI inflation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21510 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.35pt\"></span></span><span class=\"ps21509\">2.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21512 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.61pt\"></span></span><span class=\"ps21511\">2.1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21513 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.61pt\"></span></span><span class=\"ps336\">4.7<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21462 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.34pt\"></span></span><span class=\"ps21508\">0.8<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3327 ss2291\"><div><div class=\"ps4184 ss2288\"><span class=\"f charStyle-2b0f4fe0 ps7\">House price growth<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21515 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.84pt\"></span></span><span class=\"ps21514\">5.7<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21516 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.38pt\"></span></span><span class=\"ps14691\">2.9<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21518 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.44pt\"></span></span><span class=\"ps21517\">(25.5)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps14063 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.41pt\"></span></span><span class=\"ps8357\">(18.0)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps7432 ss2291\"><div><div class=\"ps4184 ss2288\"><span class=\"f charStyle-2b0f4fe0 ps7\">BoE \u2013 Bank rate (end year)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21519 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.21pt\"></span></span><span class=\"ps16709\">3.0<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21521 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.47pt\"></span></span><span class=\"ps21520\">3.1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21523 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.6pt\"></span></span><span class=\"ps21522\">5.5<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21471 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.34pt\"></span></span><span class=\"ps21508\">0.8<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12168 ss2291\"><div><div class=\"ps4184 ss2288\"><span class=\"f charStyle-b7f6e8e5 ps7\">Euro area<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8389 ss2291\"><div><div class=\"ps4184 ss2288\"><span class=\"f charStyle-2b0f4fe0 ps7\">GDP growth<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21524 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.38pt\"></span></span><span class=\"ps14691\">2.2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21525 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.47pt\"></span></span><span class=\"ps21520\">1.3<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21527 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.53pt\"></span></span><span class=\"ps21526\">(3.4)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps21476 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.02pt\"></span></span><span class=\"ps15454\">(4.7)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12558 ss2291\"><div><div class=\"ps4184 ss2288\"><span class=\"f charStyle-b7f6e8e5 ps7\">US<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12562 ss2291\"><div><div class=\"ps4184 ss2288\"><span class=\"f charStyle-2b0f4fe0 ps7\">GDP growth<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21528 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.38pt\"></span></span><span class=\"ps14691\">2.6<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21529 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.61pt\"></span></span><span class=\"ps21511\">1.9<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21531 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.64pt\"></span></span><span class=\"ps21530\">(4.0)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21480 ss1522\"><div><div class=\"ps4184 ss1518\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.67pt\"></span></span><span class=\"ps21532\">(4.2)</span></span></div></div></div></td></tr></tbody></table></div></div></div><div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_433\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps181 ss8\"><div class=\"ss236 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:18.75pt\"></td><td style=\"padding:0;width:18.75pt\"></td><td style=\"padding:0;width:114.75pt\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss2149\"><div><div class=\"ps28 ss740\"><div class=\"ps18454\"><div class=\"ps19\"><img alt=\"Unaudited_information.svg\" id=\"i-194\" src=\"data:image/svg+xml;base64,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\" style=\"height:13.52pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps3212 ss2149\"><div><div class=\"ps28 ss740\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Integrating_sustainability.svg\" id=\"i-195\" src=\"data:image/svg+xml;base64,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\" style=\"height:15.59pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:18.75pt\"><td colspan=\"3\" style=\"padding:0\"><div class=\"ps429 ss2292\"><div><div class=\"ps1194 ss236\" style=\"font-size:12pt\"><span class=\"f charStyle-4c6f80c5 ps7\">56<span class=\"f ps2\"> </span></span><span class=\"f charStyle-4c6f80c5 ps19747\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-4c6f80c5 ps16894\">Sustainability risk<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21534 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec\u2019s sustainability strategy is aligned to the UN <span class=\"f ps2\"> </span></span></div><div class=\"ps21535 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Sustainable Development Goals (SDGs) and is anchored around <span class=\"f ps2\"> </span></span></div><div class=\"ps9017 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">two focus areas: addressing climate change and supporting <span class=\"f ps2\"> </span></span></div><div class=\"ps21536 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">socioeconomic progress. These focus areas are supported by <span class=\"f ps2\"> </span></span></div><div class=\"ps21538 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the following:<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21537\"> <span class=\"f ps2\"> </span></span></div><div class=\"ps21539 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Quality education (SDG 4)</span></div><div class=\"ps21540 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Clean water and sanitation (SDG 6)</span></div><div class=\"ps21541 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Affordable and clean energy (SDG 7)</span></div><div class=\"ps21542 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Decent work and economic growth (SDG 8)</span></div><div class=\"ps21543 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Industry innovation and infrastructure (SDG 9)</span></div><div class=\"ps11014 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Reduced inequalities (SDG 10)</span></div><div class=\"ps21544 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Sustainable cities and communities (SDG 11)</span></div><div class=\"ps11018 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Climate action (SDG 13).</span></div><div class=\"ps21545 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Risk governance structure<span class=\"f ps2\"> </span></span></div><div class=\"ps21546 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">The Investec Group\u2019s DLC Executive Sustainability Committee, <span class=\"f ps2\"> </span></span></div><div class=\"ps21547 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">mandated by the Investec Group\u2019s executive directors, reports <span class=\"f ps2\"> </span></span></div><div class=\"ps21548 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">relevant matters to the DLC SEC, DLC BRCC and Investec Group <span class=\"f ps2\"> </span></span></div><div class=\"ps21550 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">ERC. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21549\">The main objectives of the committee are to align and <span class=\"f ps2\"> </span></span></div><div class=\"ps21551 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">integrate sustainability activities across the organisation while <span class=\"f ps2\"> </span></span></div><div class=\"ps21552 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">focusing on business opportunities and escalating significant <span class=\"f ps2\"> </span></span></div><div class=\"ps21553 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">matters for consideration. The committee provides feedback to <span class=\"f ps2\"> </span></span></div><div class=\"ps21554 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the DLC SEC on current and emerging sustainability matters <span class=\"f ps2\"> </span></span></div><div class=\"ps21555 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and identifies relevant external factors that could negatively <span class=\"f ps2\"> </span></span></div><div class=\"ps21556 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">impact the organisation's reputation, while also considering <span class=\"f ps2\"> </span></span></div><div class=\"ps21557 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec\u2019s impact on people and planet, reflecting a double <span class=\"f ps2\"> </span></span></div><div class=\"ps21558 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">materiality\u00a0perspective.<span class=\"f ps2\"> </span></span></div><div class=\"ps21559 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Risk management and measurement</span></div><div class=\"ps21560 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps23\">We integrate sustainability considerations into our daily <span class=\"f ps2\"> </span></span></div><div class=\"ps21561 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps23\">operations and credit and investment decision-making <span class=\"f ps2\"> </span></span></div><div class=\"ps21562 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps23\">processes, and we adopt a precautionary approach to managing <span class=\"f ps2\"> </span></span></div><div class=\"ps21563 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps23\">sustainability risks within our decision-making frameworks.<span class=\"f ps2\"> </span></span></div><div class=\"ps21564 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Sustainability-related risks are embedded within the Group\u2019s </span></div><div class=\"ps21565 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">risk management framework and are considered alongside </span></div><div class=\"ps4999 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">other financial and non-financial risks. They arise primarily </span></div><div class=\"ps21566 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">through our lending and investment portfolios, as well as </span></div><div class=\"ps21567 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">operational activities and value chain relationships with </span></div><div class=\"ps21568 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">suppliers, clients and counterparties, and are reflected in the </span></div><div class=\"ps21569 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">risk appetite framework.</span></div><div class=\"ps21570 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">We encourage our clients to adopt and adhere to best <span class=\"f ps2\"> </span></span></div><div class=\"ps21571 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">practices and standards regarding sustainability matters, as <span class=\"f ps2\"> </span></span></div><div class=\"ps21572 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">well as to report on their sustainability performance and impact <span class=\"f ps2\"> </span></span></div><div class=\"ps21573 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">where appropriate. Additionally, our due diligence processes <span class=\"f ps2\"> </span></span></div><div class=\"ps21574 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">are embedded in our operations, with transparency maintained <span class=\"f ps2\"> </span></span></div><div class=\"ps21575 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">via disclosures to our stakeholders and regulators. We believe <span class=\"f ps2\"> </span></span></div><div class=\"ps21576 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">that one of the most significant socio-economic and <span class=\"f ps2\"> </span></span></div><div class=\"ps21577 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">environmental impacts we can achieve is through partnering <span class=\"f ps2\"> </span></span></div><div class=\"ps21578 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">with our clients and stakeholders to foster a cleaner, more <span class=\"f ps2\"> </span></span></div><div class=\"ps21579 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">resilient, and inclusive world. <span class=\"f ps2\"> </span></span></div><div class=\"ps21580 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">We use various tools and frameworks to assess the <span class=\"f ps2\"> </span></span></div><div class=\"ps21581 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sustainability performance and impact of our clients and <span class=\"f ps2\"> </span></span></div><div class=\"ps21582 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">transactions, including the Equator Principles, Partnership for <span class=\"f ps2\"> </span></span></div><div class=\"ps21583 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Carbon Accounting Financials (PCAF), the UN Global Compact, <span class=\"f ps2\"> </span></span></div><div class=\"ps21584 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the UN Guiding Principles on Business and Human Rights, and <span class=\"f ps2\"> </span></span></div><div class=\"ps21585 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the OECD Guidelines for Multinational Enterprises.<span class=\"f ps2\"> </span></span></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Our strategy for managing and measuring sustainability risk <span class=\"f ps2\"> </span></span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">is\u00a0ultimately informed by our consideration of Investec\u2019s <span class=\"f ps2\"> </span></span></div><div class=\"ps701 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">supporting\u00a0SDGs.<span class=\"f ps2\"> </span></span></div><div class=\"ps19860 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps4867\">Supporting socioeconomic progress</span></div><div class=\"ps10629 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">The Group </span><span class=\"f charStyle-33e1c6d6 ps21586\">is committed to promoting inclusive socioeconomic <span class=\"f ps2\"> </span></span></div><div class=\"ps10630 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">development within our operations, communities, and business <span class=\"f ps2\"> </span></span></div><div class=\"ps10822 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">activities. We recognise the importance of fostering an inclusive <span class=\"f ps2\"> </span></span></div><div class=\"ps5822 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">environment that promotes equal opportunities for all <span class=\"f ps2\"> </span></span></div><div class=\"ps5823 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">individuals<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21587\">.<span class=\"f ps2\"> </span></span></div><div class=\"ps10634 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps4867\">Within our own operations</span></div><div class=\"ps10724 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">The Group <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21586\">is dedicated to cultivating a purposeful and inclusive </span></div><div class=\"ps21588 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">culture, which we achieve through our workplace environment </span></div><div class=\"ps21590 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">and the Investec experience.</span><span class=\"f charStyle-33e1c6d6 ps21589\"> </span></div><div class=\"ps21591 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Furthermore, we recognise that no single business can address <span class=\"f ps2\"> </span></span></div><div class=\"ps21592 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">the myriad socio-economic needs present in society. <span class=\"f ps2\"> </span></span></div><div class=\"ps21593 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Therefore, our focus is directed towards education and <span class=\"f ps2\"> </span></span></div><div class=\"ps21594 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">learnerships, entrepreneurship and job creation, environmental <span class=\"f ps2\"> </span></span></div><div class=\"ps21595 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">sustainability, and philanthropy.<span class=\"f ps2\"> </span></span></div><div class=\"ps21596 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">In principle, we are committed to:</span></div><div class=\"ps21597 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Encouraging a sense of belonging for all people, irrespective <span class=\"f ps2\"> </span></span></div><div class=\"ps21598 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">of difference<span class=\"f ps2\"> </span></span></div><div class=\"ps21599 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Focusing on creating education and learnership opportunities <span class=\"f ps2\"> </span></span></div><div class=\"ps21600 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">within our communities<span class=\"f ps2\"> </span></span></div><div class=\"ps21601 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Creating jobs for young people through quality work <span class=\"f ps2\"> </span></span></div><div class=\"ps21602 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">experience placements.<span class=\"f ps2\"> </span></span></div><div class=\"ps21603 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">At 12 June 2026 we had 55% representation of women and <span class=\"f ps2\"> </span></span></div><div class=\"ps21604 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">45% of minority ethnic diversity, as defined by the UK listing <span class=\"f ps2\"> </span></span></div><div class=\"ps21605 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">rule, on the\u00a0Board.<span class=\"f ps2\"> </span></span></div><div class=\"ps21606 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">We continue to improve our gender pay gap in the UK, with a <span class=\"f ps2\"> </span></span></div><div class=\"ps21609 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">mean hourly pay gap of </span><span class=\"f charStyle-33e1c6d6 ps21607\">17.1%</span><span class=\"f charStyle-33e1c6d6 ps21608\">, and we voluntarily disclose our <span class=\"f ps2\"> </span></span></div><div class=\"ps21610 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">ethnicity pay gap.</span></div><div class=\"ps21611 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Our community initiatives form the cornerstone of our <span class=\"f ps2\"> </span></span></div><div class=\"ps21612 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">commitment to creating enduring worth, reinforcing our <span class=\"f ps2\"> </span></span></div><div class=\"ps21613 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">overarching goal of fostering corporate responsibility. We are <span class=\"f ps2\"> </span></span></div><div class=\"ps21614 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">currently in the process of developing a comprehensive social <span class=\"f ps2\"> </span></span></div><div class=\"ps21615 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">impact strategy and framework to consolidate and enhance our <span class=\"f ps2\"> </span></span></div><div class=\"ps21616 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">community initiatives.<span class=\"f ps2\"> </span></span></div><div class=\"ps21617 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps4867\">Within our lending and investment activities<span class=\"f ps2\"> </span></span></div><div class=\"ps21618 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">We support a number of internationally recognised principles, </span></div><div class=\"ps21620 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">guidelines and voluntary standards which reflect our commitment</span><span class=\"f charStyle-33e1c6d6 ps21619\"> </span></div><div class=\"ps21621 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">to respecting human rights, building inclusive communities, and </span></div><div class=\"ps21622 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">supporting activities that reduce inequalities. Investec </span></div><div class=\"ps21623 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">prioritises the development of the mid-market sector, a crucial </span></div><div class=\"ps21624 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">driver of job creation and economic growth.</span></div><div class=\"ps21625 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">The Investec Group\u2019s Sustainable and Transition Finance </span></div><div class=\"ps21626 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Classification Framework and associated target drive financing </span></div><div class=\"ps21627 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">for commercial activities that support social outcomes (as well </span></div><div class=\"ps21628 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">as environmental outcomes), most of which are in pursuit of </span></div><div class=\"ps21629 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">supporting socioeconomic progress.</span></div><div class=\"ps21630 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">In principle, we will not engage in activities:</span></div><div class=\"ps21631 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">that do not respect human rights and the rights of local </span></div><div class=\"ps21632 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">communities and indigenous peoples</span></div><div class=\"ps21633 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">that are in non-compliance with minimum standards for </span></div><div class=\"ps21634 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">occupational health and safety and the relevant local </span></div><div class=\"ps21635 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">legislation.</span></div></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec places significant importance on addressing modern </span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">slavery according to the UK Modern Slavery Act 2015. This </span></div><div class=\"ps701 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">extends to screening third parties' modern slavery policies at </span></div><div class=\"ps702 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the time of onboarding.</span></div><div class=\"ps705 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The considerations outlined above are integrated into the <span class=\"f ps2\"> </span></span></div><div class=\"ps706 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sustainability screening processes applied across our business <span class=\"f ps2\"> </span></span></div><div class=\"ps3314 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">activities. Transactions are classified as high, medium, or low <span class=\"f ps2\"> </span></span></div><div class=\"ps6371 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">risk in accordance with the European Bank for Reconstruction <span class=\"f ps2\"> </span></span></div><div class=\"ps6372 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and Development (EBRD) classification using the <span class=\"f ps2\"> </span></span><span class=\"f charStyle-68c7bd0e ps21638\">International <span class=\"f ps2\"> </span></span></div><div class=\"ps8220 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">Finance Corporation (IFC) <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21639\">guidelines. Those identified in high-<span class=\"f ps2\"> </span></span></div><div class=\"ps8221 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">risk industries undergo a comprehensive screening process <span class=\"f ps2\"> </span></span></div><div class=\"ps6026 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">conducted by the Group Sustainability team. The assessment <span class=\"f ps2\"> </span></span></div><div class=\"ps6027 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of a transaction\u2019s social impact may include evaluating policies <span class=\"f ps2\"> </span></span></div><div class=\"ps6028 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">related to human rights, health and safety, and modern slavery, <span class=\"f ps2\"> </span></span></div><div class=\"ps6029 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">as well as adherence to Minimum Social Safeguards.<span class=\"f ps2\"> </span></span></div><div class=\"ps6030 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Addressing climate change</span></div><div class=\"ps5830 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Our environmental policy and climate change statement reflect </span></div><div class=\"ps5831 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">our commitment to achieving a net-zero carbon economy by </span></div><div class=\"ps5832 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">2050. In addition, our biodiversity statement reinforces our </span></div><div class=\"ps5833 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">dedication to safeguarding the natural environment. We </span></div><div class=\"ps5834 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">acknowledge the interconnectedness of climate change and </span></div><div class=\"ps21640 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">biodiversity loss, as well as the exposure of our business and </span></div><div class=\"ps10689 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">operational activities to various climate and nature-related </span></div><div class=\"ps10690 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">risks. The</span><span class=\"f charStyle-33e1c6d6 ps21641\"> </span><span class=\"f charStyle-33e1c6d6 ps21642\">Group positively impacts biodiversity through </span></div><div class=\"ps10691 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">environmental philanthropy activities and reduces negative </span></div><div class=\"ps18285 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">effects by addressing financial crimes related to illegal </span></div><div class=\"ps18286 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">wildlife\u00a0trade.</span></div><div class=\"ps18287 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In principle:</span></div><div class=\"ps21643 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">We are committed to integrating climate change and nature-<span class=\"f ps2\"> </span></span></div><div class=\"ps21644 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">related risk considerations into our day-to-day operations <span class=\"f ps2\"> </span></span></div><div class=\"ps21645 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">and into our lending and investment decisions<span class=\"f ps2\"> </span></span></div><div class=\"ps18294 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">We have a Group environmental and climate change </span></div><div class=\"ps18295 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">statement that guides credit decision-making from a </span></div><div class=\"ps21646 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">sustainability perspective</span></div><div class=\"ps18297 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">We support the key provisions of the <span class=\"f ps2\"> </span></span><span class=\"f charStyle-68c7bd0e ps21647\">Equator Principles (EP). <span class=\"f ps2\"> </span></span></div><div class=\"ps18298 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps461\">Transactio<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21648\">ns that fall within the scope of the Equator <span class=\"f ps2\"> </span></span></div><div class=\"ps18299 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">Principles in non-designated countries are assessed in line <span class=\"f ps2\"> </span></span></div><div class=\"ps18300 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">with the applicable EP requirements<span class=\"f ps2\"> </span></span></div><div class=\"ps21649 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">We will not engage in activities that negatively impact </span></div><div class=\"ps21650 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">conservation areas or have an irreversible negative impact on </span></div><div class=\"ps21651 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">the environment, indigenous people or natural assets. </span></div><div class=\"ps21652 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Climate risk, a key component of sustainability risk, is becoming </span></div><div class=\"ps21653 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">increasingly material for banks. In our assessments of the </span></div><div class=\"ps21654 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">impact of climate change on our business, we consider both </span></div><div class=\"ps21655 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">physical risks and transition risks. While we continue to </span></div><div class=\"ps21656 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">integrate climate risk considerations into our risk management </span></div><div class=\"ps21657 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">frameworks, we also recognise the commercial opportunities </span></div><div class=\"ps21658 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">that climate action presents.</span></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps4867\">Our approach to net-zero</span></div><div class=\"ps10770 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">We support the Paris Agreement aims of holding the increase in <span class=\"f ps2\"> </span></span></div><div class=\"ps10771 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">global average temperature to well below 2\u00b0C above pre-<span class=\"f ps2\"> </span></span></div><div class=\"ps19160 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">industrial levels and continue to pursue efforts towards limiting it <span class=\"f ps2\"> </span></span></div><div class=\"ps19161 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">to 1.5\u00b0C <span class=\"f ps2\"> </span></span></div><div class=\"ps10774 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">Investec\u2019s pathway to net-zero comprises three channels of <span class=\"f ps2\"> </span></span></div><div class=\"ps10775 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">impact:<span class=\"f ps2\"> </span></span></div><div class=\"ps10776 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Meeting our fossil fuel exposure commitments<span class=\"f ps2\"> </span></span></div><div class=\"ps19440 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Driving sustainable and transition finance activities<span class=\"f ps2\"> </span></span></div><div class=\"ps19167 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Influencing and advocating for our clients and suppliers to <span class=\"f ps2\"> </span></span></div><div class=\"ps19168 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">effectively pursue decarbonisation.<span class=\"f ps2\"> </span></span></div><div class=\"ps19169 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">As part of our commitment to achieving net zero by 2050, the </span></div><div class=\"ps19170 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Investec Group announced a target last year to facilitate \u00a318 </span></div><div class=\"ps19171 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">billion of sustainable and transition finance by FY2030. </span></div><div class=\"ps19173 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Furthermore we have set sector-specific decarbonisation </span></div><div class=\"ps21659 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">targets as part of our Phase I transition plan. This includes a </span></div><div class=\"ps21660 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">20% to 45% reduction in power generation emissions intensity </span></div><div class=\"ps21661 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">by FY2030 and engagement with at least 85% of qualifying oil </span></div><div class=\"ps21662 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">and gas clients by FY2029 to support credible transition </span></div><div class=\"ps21663 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">pathways. </span></div><div class=\"ps21667 ss8\"><div class=\"ss222 ws0 ps356\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:24.75pt\"></td><td style=\"padding:0;width:210pt\"></td></tr><tr style=\"height:26.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss2293\"><div><div class=\"ps28 ss10\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"WebsiteSVG_Black.svg\" id=\"i-196\" src=\"data:image/svg+xml;base64,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\" style=\"height:19.84pt;width:19.84pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps5840 ss2294\"><div><div class=\"ps21665 ss824\"><span class=\"f charStyle-c4fc3a3f ps7\">Refer to our 2026 Integrated Sustainability Report for <span class=\"f ps2\"> </span></span></div><div class=\"ps21666 ss824\"><span class=\"f charStyle-c4fc3a3f ps7\">more information.<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21668 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps4867\">Within our own operations</span></div><div class=\"ps21669 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">We embrace our responsibility to understand and manage our <span class=\"f ps2\"> </span></span></div><div class=\"ps21670 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">carbon footprint. We have upheld our commitment to carbon <span class=\"f ps2\"> </span></span></div><div class=\"ps21671 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">neutrality in our direct operational emissions for the eighth <span class=\"f ps2\"> </span></span></div><div class=\"ps21672 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">consecutive financial year by sourcing 100% of our Scope 2 <span class=\"f ps2\"> </span></span></div><div class=\"ps21673 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">energy consumption from renewable energy sources through <span class=\"f ps2\"> </span></span></div><div class=\"ps21674 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">the purchase of Renewable Energy Certificates. We have <span class=\"f ps2\"> </span></span></div><div class=\"ps21678 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">offset\u00a0the remaining unavoidable residual emissions of<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21675\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21676\">82%<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21677\"> at <span class=\"f ps2\"> </span></span></div><div class=\"ps21682 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">31 March 2026 (31 March 2025: <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21679\">91%<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21680\">) <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21681\">by acquiring verified, <span class=\"f ps2\"> </span></span></div><div class=\"ps21683 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">high-quality carbon credits. Climate risk assessments are <span class=\"f ps2\"> </span></span></div><div class=\"ps21685 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">conducted in accordance with the requirements of the BoE<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21684\">. <span class=\"f ps2\"> </span></span></div><div class=\"ps21686 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps4867\">Within our lending and investment activities</span></div><div class=\"ps21687 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">We acknowledge that one of the widest and most impactful <span class=\"f ps2\"> </span></span></div><div class=\"ps21688 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">influences we can have on the environment is to manage and <span class=\"f ps2\"> </span></span></div><div class=\"ps21689 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">reduce the carbon emissions associated with our business <span class=\"f ps2\"> </span></span></div><div class=\"ps21690 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">activities, particularly within our lending and investment <span class=\"f ps2\"> </span></span></div><div class=\"ps21691 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">portfolios (Scope 3 financed activities). As such, we continue to <span class=\"f ps2\"> </span></span></div><div class=\"ps21692 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">work with the PCAF to measure our financed emissions and are <span class=\"f ps2\"> </span></span></div><div class=\"ps21693 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">actively enhancing data collection efforts and refining <span class=\"f ps2\"> </span></span></div><div class=\"ps21694 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">assumptions for the Scope 3 emissions calculations. <span class=\"f ps2\"> </span></span></div><div class=\"ps21695 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">As part of the sustainability screening process, the assessment <span class=\"f ps2\"> </span></span></div><div class=\"ps21696 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">of a transaction\u2019s environmental impact may include evaluating <span class=\"f ps2\"> </span></span></div><div class=\"ps21697 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">policies related to the environment, waste management, and <span class=\"f ps2\"> </span></span></div><div class=\"ps21698 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">rehabilitation, as well as environmental impact assessments. <span class=\"f ps2\"> </span></span></div><div class=\"ps181 ss8\"><div class=\"ss5 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:128.25pt\"></td></tr><tr style=\"height:18.75pt\"><td style=\"padding:0\"><div class=\"ps19 ss2295\"><div><div class=\"ps2963 ss5\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps7\">57</span><span class=\"f charStyle-f6a3ab10 ps13520\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps16712\">Investment risk<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21702 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Overview<span class=\"f ps2\"> </span></span></div><div class=\"ps21705 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">investment risk in the banking book comprises <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21703\">1.6%<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21704\"> of total <span class=\"f ps2\"> </span></span></div><div class=\"ps21709 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">assets at <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21706\">31 March 2026<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21707\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21708\">We have refocused our principal <span class=\"f ps2\"> </span></span></div><div class=\"ps21710 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">investment activities on clients where we have and can build a <span class=\"f ps2\"> </span></span></div><div class=\"ps21711 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">broader relationship through other areas of activity in the <span class=\"f ps2\"> </span></span></div><div class=\"ps21713 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group.<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21712\"> </span></div><div class=\"ps21714 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">We partner with clients and other co-investors by bringing </span></div><div class=\"ps21715 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">capital raising expertise, working capital management, merger <span class=\"f ps2\"> </span></span></div><div class=\"ps21716 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and acquisition and investment experience into client-driven </span></div><div class=\"ps21717 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">private equity transactions as well as leveraging third party <span class=\"f ps2\"> </span></span></div><div class=\"ps21718 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">capital into the Group\u2019s funds that are relevant to the Group\u2019s </span></div><div class=\"ps21719 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">client base. Investments are selected based on:<span class=\"f ps2\"> </span></span></div><div class=\"ps21720 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Track record and credibility of management</span></div><div class=\"ps21721 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Attractiveness of the industry and the positioning therein</span></div><div class=\"ps21722 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Valuation/pricing fundamentals</span></div><div class=\"ps21723 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Sustainability analyses<span class=\"f ps2\"> </span></span></div><div class=\"ps21724 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Exit possibilities and timing thereof</span></div><div class=\"ps8731 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Ability to build value by implementing an agreed strategy.</span></div><div class=\"ps21725 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investments in listed shares may arise on an IPO, or sale of an </span></div><div class=\"ps8733 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">investment to a listed company. There is limited appetite for </span></div><div class=\"ps8734 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">listed investments.</span></div><div class=\"ps21726 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Additionally, from time to time, the manner in which certain </span></div><div class=\"ps8736 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">lending transactions are structured results in\u00a0equity, warrants </span></div><div class=\"ps8737 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">or profit shares being\u00a0held, predominantly in unlisted <span class=\"f ps2\"> </span></span></div><div class=\"ps8738 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">companies. </span></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">We also source development, investment and trading </span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">opportunities to create value within agreed risk parameters.</span></div><div class=\"ps7745 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Following the distribution that took place on 31 May 2022, </span></div><div class=\"ps6025 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Investec plc retains a c.9.3% shareholding in Ninety One.</span></div><div class=\"ps21727 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps4867\">Risk management and measurement</span></div><div class=\"ps5821 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps4867\">As investment risk arises from a variety of activities conducted </span></div><div class=\"ps10631 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps4867\">by the Group, the monitoring and measurement thereof varies </span></div><div class=\"ps10632 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps4867\">across transactions and/or type of activity.</span></div><div class=\"ps5824 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps4867\">An investment committee exists in the UK which provide </span></div><div class=\"ps21728 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps4867\">oversight to regions where we assume investment risk.<span class=\"f ps2\"> </span></span></div><div class=\"ps5826 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Risk appetite targets and limits are set to manage our exposure </span></div><div class=\"ps5827 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">to investment risk. An assessment of exposures against limits </span></div><div class=\"ps5828 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">and targets is reported to</span><span class=\"f charStyle-33e1c6d6 ps21729\"> </span><span class=\"f charStyle-33e1c6d6 ps21730\">IBP and DLC BRCCs.</span></div><div class=\"ps5829 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">As a matter of course, concentration risk is actively managed </span></div><div class=\"ps10682 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">and investments are spread across geographies and industries.</span></div><div class=\"ps21735 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps4867\">Valuation and </span><span class=\"f charStyle-b9f48ea1 ps21731\">se<span id=\"if3cdf39ca5914d82873f8b7ed483247c_2104\"></span></span><span class=\"f charStyle-b9f48ea1 ps21732\">nsitivity<span id=\"if3cdf39ca5914d82873f8b7ed483247c_2111\"></span></span><span class=\"f charStyle-b9f48ea1 ps21733\"> </span><span class=\"f charStyle-b9f48ea1 ps21734\">assumptions and </span></div><div class=\"ps21736 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps4867\">accounting methodologies<span class=\"f ps2\"> </span></span></div><div class=\"ps21737 ss8\"><div class=\"ss669 ws0 ps356\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:18pt\"></td><td style=\"padding:0;width:215.25pt\"></td></tr><tr style=\"height:41.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss632\"><div><div class=\"ps28 ss41\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Page_references.svg\" id=\"i-197\" src=\"data:image/svg+xml;base64,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\" style=\"height:15.59pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps2716 ss2296\"><div><div class=\"ps2632 ss418\"><span class=\"f charStyle-2b0f4fe0 ps7\">For a description of our valuation principles and <span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss418\"><span class=\"f charStyle-2b0f4fe0 ps7\">methodologies refer to pages 77 to 84 and pages 108 to </span></div><div class=\"ps5431 ss418\"><span class=\"f charStyle-2b0f4fe0 ps7\">115 for factors and sensitivities taken into consideration in <span class=\"f ps2\"> </span></span></div><div class=\"ps5432 ss418\"><span class=\"f charStyle-2b0f4fe0 ps7\">determining fair value.<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21738 ss8\"><div class=\"ss669 ws0 ps356\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:18pt\"></td><td style=\"padding:0;width:215.25pt\"></td></tr><tr style=\"height:32.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss2297\"><div><div class=\"ps28 ss41\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Page_references.svg\" id=\"i-198\" src=\"data:image/svg+xml;base64,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\" style=\"height:15.59pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps2716 ss2298\"><div><div class=\"ps2632 ss418\"><span class=\"f charStyle-9458d4de ps7\">An analysis of income and revaluations of these </span></div><div class=\"ps2634 ss418\"><span class=\"f charStyle-9458d4de ps7\">investments can be found in the investment income note on </span></div><div class=\"ps5431 ss418\"><span class=\"f charStyle-9458d4de ps7\">page <span class=\"f ps2\"> </span></span><span class=\"f charStyle-2b0f4fe0 ps21158\"><a class=\"Hyperlink\" href=\"#iccba24ea0cd14a1fbe74568356c33a8e_232\" style=\"z-index:1\">92</a><span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps4259\">.<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21739 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Analysis of investments\u00a0</span></div><div class=\"ps21762 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:333.75pt\"></td><td style=\"padding:0;width:70.5pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:70.5pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:23.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss2300\"><div><div class=\"ps3707 ss2299\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019million <span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19957 ss2302\"><div><div class=\"ps21318 ss2301\"><span class=\"f charStyle-ef17fa27 ps13531\">On-balance</span></div><div class=\"ps21319 ss2301\"><span class=\"f charStyle-ef17fa27 ps12366\"> sheet value of<span class=\"f ps2\"> </span></span></div><div class=\"ps21307 ss2301\"><span class=\"f charStyle-ef17fa27 ps21740\"> investments</span></div><div class=\"ps12527 ss2301\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps11096\">31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19179 ss2302\"><div><div class=\"ps21318 ss2301\"><span class=\"f charStyle-6f1c08a8 ps9979\">On-balance</span></div><div class=\"ps21319 ss2301\"><span class=\"f charStyle-6f1c08a8 ps21741\"> sheet value of<span class=\"f ps2\"> </span></span></div><div class=\"ps21307 ss2301\"><span class=\"f charStyle-6f1c08a8 ps8377\"> investments</span></div><div class=\"ps12527 ss2301\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps8430\">31 March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3722 ss2303\"><div><div class=\"ps4014 ss2299\"><span class=\"f charStyle-a26246ce ps7\">Category<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1201 ss2304\"><div><div class=\"ps2754 ss2299\"><span class=\"f charStyle-2b0f4fe0 ps7\">Unlisted investments <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps21743 ss2305\"><div><div class=\"ps2754 ss2301\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:52.05pt\"></span></span><span class=\"ps21742\">199<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps21745 ss2305\"><div><div class=\"ps2754 ss2301\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:51.91pt\"></span></span><span class=\"ps21744\">213<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps2487 ss2304\"><div><div class=\"ps2754 ss2299\"><span class=\"f charStyle-2b0f4fe0 ps7\">Listed equities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21747 ss2305\"><div><div class=\"ps2754 ss2301\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:57.03pt\"></span></span><span class=\"ps21746\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps21748 ss2305\"><div><div class=\"ps2754 ss2301\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:61.19pt\"></span></span><span class=\"ps11430\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps6177 ss2304\"><div><div class=\"ps2754 ss2299\"><span class=\"f charStyle-2b0f4fe0 ps7\">Ninety One<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21749 ss2305\"><div><div class=\"ps2754 ss2301\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:52.05pt\"></span></span><span class=\"ps21742\">212<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps21750 ss2305\"><div><div class=\"ps2754 ss2301\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:51.79pt\"></span></span><span class=\"ps6617\">134<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps5 ss2304\"><div><div class=\"ps2754 ss2299\"><span class=\"f charStyle-2b0f4fe0 ps7\">Warrants and profit shares<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21752 ss2305\"><div><div class=\"ps2754 ss2301\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:59.82pt\"></span></span><span class=\"ps21751\">3<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps21754 ss2305\"><div><div class=\"ps2754 ss2301\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:59.84pt\"></span></span><span class=\"ps21753\">4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps1014 ss2304\"><div><div class=\"ps2754 ss2299\"><span class=\"f charStyle-2b0f4fe0 ps7\">Trading properties<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps21756 ss2305\"><div><div class=\"ps2754 ss2301\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:55.26pt\"></span></span><span class=\"ps21755\">84<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps21758 ss2305\"><div><div class=\"ps2754 ss2301\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:55.49pt\"></span></span><span class=\"ps21757\">85<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps218 ss2304\"><div><div class=\"ps2754 ss2299\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19985 ss2305\"><div><div class=\"ps2754 ss2301\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.08pt\"></span></span><span class=\"ps21759\">498<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps21761 ss2305\"><div><div class=\"ps2754 ss2301\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.58pt\"></span></span><span class=\"ps21760\">437<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps21764 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps23\">Note: IW&amp;I UK was previously 100% consolidated in the Group. The Group's investment in Rathbones is equity accounted for on a statutory basis and recognised as an </span></div><div class=\"ps21766 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps23\">associate.</span><span class=\"f charStyle-207fba8f ps21765\"> We do not include the investment in Rathbones Group plc as a part of the above analysis due to the nature of this strategic transaction.</span></div><div class=\"ps21768 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">An analysis of unlisted investments, listed equities, warrants and profit shares</span></div><div class=\"ps21769 ss8\"><div class=\"ss236 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:152.25pt\"></td></tr><tr style=\"height:12.75pt\"><td style=\"padding:0\"><div class=\"ps19 ss1175\"><div><div class=\"ps1144 ss236\"><span class=\"f charStyle-3272566e ps7\">31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2743 ss1890\"><div><div class=\"ps815 ss236\"><span class=\"f charStyle-2b0f4fe0 ps7\">\u00a3202 million<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21770 ss8\"><div class=\"ps14\"><div class=\"ps19\"><img alt=\"2088\" id=\"i-199\" 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\" style=\"height:138.89pt;width:213.75pt\"/></div></div></div><div class=\"ps21769 ss8\"><div class=\"ss664 ws0 ps21787\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:15.75pt\"></td><td style=\"padding:0;width:180pt\"></td><td style=\"padding:0;width:30pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps19 ss2155\"><div><div class=\"ps28 ss1265\"><div class=\"ps5335\"><div class=\"ps19\"><img alt=\"Investec_Pie-chart_Letters-01.svg\" id=\"i-200\" src=\"data:image/svg+xml;base64,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\" style=\"height:9.19pt;width:11.34pt\"/></div></div></div></div></div></td><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps6476 ss2306\"><div><div class=\"ps392 ss1179\"><span class=\"f charStyle-73034ed3 ps7\">Finance and insurance<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps5940 ss910\"><div><div class=\"ps392 ss784\"><span class=\"f charStyle-73034ed3\"><span class=\"ps994\"></span><span class=\"ps994\">61.3</span><span class=\"ps18468\">%</span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps2724 ss2155\"><div><div class=\"ps28 ss1265\"><div class=\"ps5335\"><div class=\"ps19\"><img alt=\"Investec_Pie-chart_Letters-02.svg\" id=\"i-201\" src=\"data:image/svg+xml;base64,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\" style=\"height:9.19pt;width:11.34pt\"/></div></div></div></div></div></td><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps18469 ss2306\"><div><div class=\"ps392 ss1179\"><span class=\"f charStyle-73034ed3 ps7\">Retailers and wholesalers<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps21774 ss910\"><div><div class=\"ps392 ss784\"><span class=\"f charStyle-73034ed3\"><span class=\"ps10536\"></span><span class=\"ps10536\">9.9</span><span class=\"ps18468\">%</span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps4066 ss2155\"><div><div class=\"ps28 ss1265\"><div class=\"ps5335\"><div class=\"ps19\"><img alt=\"Investec_Pie-chart_Letters-03.svg\" id=\"i-202\" src=\"data:image/svg+xml;base64,CjxzdmcgeG1sbnM9Imh0dHA6Ly93d3cudzMub3JnLzIwMDAvc3ZnIj4gCgk8aW1hZ2UgcHJlc2VydmVBc3BlY3RSYXRpbz0ibm9uZSIgd2lkdGg9IjEwMCUiIGhlaWdodD0iMTAwJSIgaHJlZj0iZGF0YTppbWFnZS9zdmcreG1sO2Jhc2U2NCxQRDk0Yld3Z2RtVnljMmx2YmowaU1TNHdJaUJsYm1OdlpHbHVaejBpVlZSR0xUZ2lQejRLUEhOMlp5QjRiV3h1Y3owaWFIUjBjRG92TDNkM2R5NTNNeTV2Y21jdk1qQXdNQzl6ZG1jaUlIaHRiRzV6T25oc2FXNXJQU0pvZEhSd09pOHZkM2QzTG5jekxtOXlaeTh4T1RrNUwzaHNhVzVySWlCMlpYSnphVzl1UFNJeExqRWlJSFpwWlhkQ2IzZzlJakFnTUNBeE1DNDBPRGtnT0M0MU1EUWlQZ29nSUR4a1pXWnpQZ29nSUNBZ1BITjBlV3hsUGdvZ0lDQWdJQ0F1WTJ4ekxURWdld29nSUNBZ0lDQWdJR1pwYkd3NklHNXZibVU3Q2lBZ0lDQWdJSDBLQ2lBZ0lDQWdJQzVqYkhNdE1pQjdDaUFnSUNBZ0lDQWdabWxzYkRvZ0l6VmpNbVV6WWpzS0lDQWdJQ0FnZlFvS0lDQWdJQ0FnTG1Oc2N5MHpJSHNLSUNBZ0lDQWdJQ0JtYVd4c09pQWpabVptT3dvZ0lDQWdJQ0I5Q2dvZ0lDQWdJQ0F1WTJ4ekxUUWdld29nSUNBZ0lDQWdJR05zYVhBdGNHRjBhRG9nZFhKc0tDTmpiR2x3Y0dGMGFDazdDaUFnSUNBZ0lIMEtJQ0FnSUR3dmMzUjViR1UrQ2lBZ0lDQThZMnhwY0ZCaGRHZ2dhV1E5SW1Oc2FYQndZWFJvSWo0S0lDQWdJQ0FnUEhKbFkzUWdZMnhoYzNNOUltTnNjeTB4SWlCM2FXUjBhRDBpTVRBdU5EZzRJaUJvWldsbmFIUTlJamd1TlRBMElpOCtDaUFnSUNBOEwyTnNhWEJRWVhSb1Bnb2dJRHd2WkdWbWN6NEtJQ0E4SVMwdElFZGxibVZ5WVhSdmNqb2dRV1J2WW1VZ1NXeHNkWE4wY21GMGIzSWdNamd1Tnk0eExDQlRWa2NnUlhod2IzSjBJRkJzZFdjdFNXNGdMaUJUVmtjZ1ZtVnljMmx2YmpvZ01TNHlMakFnUW5WcGJHUWdNVFF5S1NBZ0xTMCtDaUFnUEdjK0NpQWdJQ0E4WnlCcFpEMGlUR0Y1WlhKZk1TSStDaUFnSUNBZ0lEeG5QZ29nSUNBZ0lDQWdJRHh5WldOMElHTnNZWE56UFNKamJITXRNaUlnZDJsa2RHZzlJakV3TGpRNE9TSWdhR1ZwWjJoMFBTSTRMalV3TkNJdlBnb2dJQ0FnSUNBZ0lEeG5JR05zWVhOelBTSmpiSE10TkNJK0NpQWdJQ0FnSUNBZ0lDQThjR0YwYUNCamJHRnpjejBpWTJ4ekxUTWlJR1E5SWswM0xqVXhPRElzTXk0eE1qSm9MUzQxTURGakxTNHdNemN4TFM0eE9EWTFMUzR4TURNMUxTNHpOVGswTFM0eU1ERXlMUzQxTVRjMkxTNHdPVFkzTFM0eE5Ua3lMUzR5TVRjNExTNHlPVGM1TFM0ek5qTXpMUzQwTVRkekxTNHpNVEExTFM0eU1URTVMUzQwT1RVeExTNHlOemN6TFM0ek9EUTRMUzR3T1RnMkxTNDFPVGsyTFM0d09UZzJZeTB1TXpRek9Dd3dMUzQyTlRneUxqQTRPVGd0TGprME1UUXVNalk1TlMwdU1qZ3pNaTR4TnpnM0xTNDFNRGs0TGpRME1qUXRMalkzT0RjdU56ZzVNUzB1TVRZNU9TNHpORGMzTFM0eU5UUTVMamMzTWpVdExqSTFORGtzTVM0eU56UTBMREFzTGpVd05Ua3VNRGcxTGprek1qWXVNalUwT1N3eExqSTNPRE11TVRZNE9TNHpORFkzTGpNNU5UVXVOakE1TkM0Mk56ZzNMamM0TnpFdU1qZ3pNaTR4TnpreUxqVTVOemN1TWpZNE1TNDVOREUwTGpJMk9ERXVNakUwT0N3d0xDNDBNVFV0TGpBek1qSXVOVGs1TmkwdU1EazROaTR4T0RRMkxTNHdOalUwTGpNME9UWXRMakUxTnpjdU5EazFNUzB1TWpjMU9YTXVNalkyTmkwdU1qVTJPQzR6TmpNekxTNDBNVGRqTGpBNU56Y3RMakUxT1RJdU1UWTBNUzB1TXpNekxqSXdNVEl0TGpVeE9EWm9MalV3TVdNdExqQTBNemt1TWpVdExqRXlOeTQwT0RNMExTNHlORGt1TmprNE1pMHVNVEl4TVM0eU1UVTRMUzR5TnpZMExqUXdOVGd0TGpRMk1qa3VOVFkyT1MwdU1UZzNOUzR4TmpFeExTNDBNRE16TGpJNE9ERXRMalkwTmpVdU16YzNPUzB1TWpRek1pNHdPVEE0TFM0MU1UQTNMakV6TlRjdExqZ3dNVGd1TVRNMU55MHVORFU0TERBdExqZzJORE10TGpFeE5ETXRNUzR5TVRrM0xTNHpORFEzTFM0ek5UUTFMUzR5TWprMUxTNDJNekk0TFM0MU5UVXlMUzQ0TXpVdExqazNOREV0TGpJd01USXRMalF4T0RrdExqTXdNVGd0TGpreE16RXRMak13TVRndE1TNDBPRE0wTERBdExqVTJPVE11TVRBd05pMHhMakEyTkRVdU16QXhPQzB4TGpRNE16UXVNakF5TVMwdU5ERTRPUzQwT0RBMUxTNDNORE15TGpnek5TMHVPVGN6Tmk0ek5UVTFMUzR5TWprMUxqYzJNVGN0TGpNME5EY3NNUzR5TVRrM0xTNHpORFEzTGpJNU1Td3dMQzQxTlRnMkxqQTBORGt1T0RBeE9DNHhNelE0Y3k0ME5Ua3VNakUxT0M0Mk5EWTFMak0zTnpsakxqRTROalV1TVRZek1TNHpOREU0TGpNMU1UWXVORFl5T1M0MU5qWTBMakV5TWpFdU1qRTBPQzR5TURVeExqUTBPREl1TWpRNUxqY3dNREphSWk4K0NpQWdJQ0FnSUNBZ1BDOW5QZ29nSUNBZ0lDQThMMmMrQ2lBZ0lDQThMMmMrQ2lBZ1BDOW5QZ284TDNOMlp6ND0iPjwvaW1hZ2U+Cjwvc3ZnPgo=\" style=\"height:9.19pt;width:11.34pt\"/></div></div></div></div></div></td><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps18475 ss2306\"><div><div class=\"ps392 ss1179\"><span class=\"f charStyle-73034ed3 ps7\">Electricity, gas and water (utility services)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps21776 ss910\"><div><div class=\"ps392 ss784\"><span class=\"f charStyle-73034ed3\"><span class=\"ps21775\"></span><span class=\"ps21775\">7.8</span><span class=\"ps18468\">%</span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps3516 ss2155\"><div><div class=\"ps28 ss1265\"><div class=\"ps5335\"><div class=\"ps19\"><img alt=\"Investec_Pie-chart_Letters-04.svg\" id=\"i-203\" src=\"data:image/svg+xml;base64,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\" style=\"height:9.19pt;width:11.34pt\"/></div></div></div></div></div></td><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps18479 ss2306\"><div><div class=\"ps392 ss1179\"><span class=\"f charStyle-73034ed3 ps7\">Transport<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps21777 ss910\"><div><div class=\"ps392 ss784\"><span class=\"f charStyle-73034ed3\"><span class=\"ps3717\"></span><span class=\"ps3717\">7.4</span><span class=\"ps18468\">%</span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps4077 ss2155\"><div><div class=\"ps28 ss1265\"><div class=\"ps5335\"><div class=\"ps19\"><img alt=\"Investec_Pie-chart_Letters-05.svg\" id=\"i-204\" src=\"data:image/svg+xml;base64,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\" style=\"height:9.19pt;width:11.34pt\"/></div></div></div></div></div></td><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps18484 ss2306\"><div><div class=\"ps392 ss1179\"><span class=\"f charStyle-73034ed3 ps7\">Other <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps21779 ss910\"><div><div class=\"ps392 ss784\"><span class=\"f charStyle-73034ed3\"><span class=\"ps21778\"></span><span class=\"ps21778\">5.1</span><span class=\"ps18468\">%</span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps4084 ss2155\"><div><div class=\"ps28 ss1265\"><div class=\"ps5335\"><div class=\"ps19\"><img alt=\"Investec_Pie-chart_Letters-06.svg\" id=\"i-205\" src=\"data:image/svg+xml;base64,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\" style=\"height:9.19pt;width:11.34pt\"/></div></div></div></div></div></td><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps21780 ss2306\"><div><div class=\"ps392 ss1179\"><span class=\"f charStyle-73034ed3 ps7\">Business services<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps21781 ss910\"><div><div class=\"ps392 ss784\"><span class=\"f charStyle-73034ed3\"><span class=\"ps14494\"></span><span class=\"ps14494\">3.6</span><span class=\"ps18468\">%</span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps1597 ss2155\"><div><div class=\"ps28 ss1265\"><div class=\"ps5335\"><div class=\"ps19\"><img alt=\"Investec_Pie-chart_Letters-07.svg\" id=\"i-206\" src=\"data:image/svg+xml;base64,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\" style=\"height:9.19pt;width:11.34pt\"/></div></div></div></div></div></td><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps21782 ss2306\"><div><div class=\"ps392 ss1179\"><span class=\"f charStyle-73034ed3 ps7\">Real estate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps21783 ss910\"><div><div class=\"ps392 ss784\"><span class=\"f charStyle-73034ed3\"><span class=\"ps13256\"></span><span class=\"ps13256\">2.5</span><span class=\"ps18468\">%</span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps3612 ss2155\"><div><div class=\"ps28 ss1265\"><div class=\"ps5335\"><div class=\"ps19\"><img alt=\"Investec_Pie-chart_Letters-08.svg\" id=\"i-207\" src=\"data:image/svg+xml;base64,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\" style=\"height:9.19pt;width:11.34pt\"/></div></div></div></div></div></td><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps21784 ss2306\"><div><div class=\"ps392 ss1179\"><span class=\"f charStyle-73034ed3 ps7\">Leisure, entertainment and tourism<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps21786 ss910\"><div><div class=\"ps392 ss784\"><span class=\"f charStyle-73034ed3\"><span class=\"ps21785\"></span><span class=\"ps21785\">2.4</span><span class=\"ps18468\">%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_445\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">59<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps21911\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps21912\">Market risk in the trading book<span class=\"f ps2\"> </span><span id=\"if994037f47704101acaa1847950a6ef0_978\"></span><span id=\"if994037f47704101acaa1847950a6ef0_979\"></span></span></div><div class=\"ps5918 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Overview<span class=\"f ps2\"> </span></span></div><div class=\"ps5919 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The focus of our trading activities is primarily to support our <span class=\"f ps2\"> </span></span></div><div class=\"ps5920 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">clients. Our strategic intent is that proprietary trading should be <span class=\"f ps2\"> </span></span></div><div class=\"ps13827 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">limited and that trading should be conducted largely to <span class=\"f ps2\"> </span></span></div><div class=\"ps13828 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">facilitate client flow. Within our trading activities, we act as <span class=\"f ps2\"> </span></span></div><div class=\"ps13829 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">principal with clients or the market. Market risk exists where we <span class=\"f ps2\"> </span></span></div><div class=\"ps21913 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">have unmatched principal positions resulting from market <span class=\"f ps2\"> </span></span></div><div class=\"ps21914 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">making, underwriting and facilitation of client business in the <span class=\"f ps2\"> </span></span></div><div class=\"ps21915 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">foreign exchange, interest rate, equity, credit and commodity <span class=\"f ps2\"> </span></span></div><div class=\"ps14543 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">markets.<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21916\"> <span class=\"f ps2\"> </span></span></div><div class=\"ps21920 ss8\"><div class=\"ss779 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:20.25pt\"></td><td style=\"padding:0;width:168pt\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps19 ss2324\"><div><div class=\"ps28 ss92\"><div class=\"ps21918\"><div class=\"ps19\"><img alt=\"Unaudited_information.svg\" id=\"i-210\" src=\"data:image/svg+xml;base64,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\" style=\"height:15.59pt;width:17.97pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps387 ss2325\"><div><div class=\"ps21919 ss420\"><span class=\"f charStyle-0e78c81e ps7\">Year in review<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21921 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The year in review has been characterised by an increase in <span class=\"f ps2\"> </span></span></div><div class=\"ps21922 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">geopolitical tensions and buoyant equity markets, which <span class=\"f ps2\"> </span></span></div><div class=\"ps21923 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reached all-time highs. Following a series of interest rate cuts <span class=\"f ps2\"> </span></span></div><div class=\"ps21924 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">over 2024 and 2025, the UK, US and European central banks\u00a0 <span class=\"f ps2\"> </span></span></div><div class=\"ps21925 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">held interest rates at their recent meetings, as growth slowed <span class=\"f ps2\"> </span></span></div><div class=\"ps21926 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and unemployment began to rise. Equity markets rallied over <span class=\"f ps2\"> </span></span></div><div class=\"ps21927 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the year, with the FTSE100 and FTSE250 ending +19% and +9% <span class=\"f ps2\"> </span></span></div><div class=\"ps21928 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">respectively at 31 March 2026 (having peaked in February at <span class=\"f ps2\"> </span></span></div><div class=\"ps21929 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">+27% and +22%). The Iranian conflict led to market volatility, <span class=\"f ps2\"> </span></span></div><div class=\"ps21930 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">with interest rates rising across the curve, driven by inflation <span class=\"f ps2\"> </span></span></div><div class=\"ps21931 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">fears, and equity markets falling from their highs. The <span class=\"f ps2\"> </span></span></div><div class=\"ps21932 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">structured products book is now de-minimis with all remaining <span class=\"f ps2\"> </span></span></div><div class=\"ps21933 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">products due to roll off by April 2027.<span class=\"f ps2\"> </span></span></div><div class=\"ps21934 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The primary focus of all trading activity continues to be <span class=\"f ps2\"> </span></span></div><div class=\"ps21935 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">managing and hedging the market risk arising from client-<span class=\"f ps2\"> </span></span></div><div class=\"ps21936 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">related activity, and directional exposures remain at a minimum. <span class=\"f ps2\"> </span></span></div><div class=\"ps21938 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Utilisation of risk limits have remained consistently moderate.<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21937\"> <span class=\"f ps2\"> </span></span></div><div class=\"ps21939 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Risk governance structure<span class=\"f ps2\"> </span></span></div><div class=\"ps21940 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Traded market risk is governed by policies that cover the <span class=\"f ps2\"> </span></span></div><div class=\"ps21941 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">management, identification, measurement and monitoring of <span class=\"f ps2\"> </span></span></div><div class=\"ps21943 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">market risk. We have independent market risk teams<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21942\"> to identify, <span class=\"f ps2\"> </span></span></div><div class=\"ps21944 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">measure, monitor and manage market risk.<span class=\"f ps2\"> </span></span></div><div class=\"ps21945 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The market risk teams have reporting lines that are separate <span class=\"f ps2\"> </span></span></div><div class=\"ps21946 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">from the trading function, thereby ensuring independent <span class=\"f ps2\"> </span></span></div><div class=\"ps21949 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">oversight. The Market Risk Forum, mandated by the<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21947\"> IBP ERC,<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21948\"> <span class=\"f ps2\"> </span></span></div><div class=\"ps21950 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">manages market risk in accordance with approved principles, <span class=\"f ps2\"> </span></span></div><div class=\"ps21951 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">policies and risk appetite. Trading desk risk limits are reviewed <span class=\"f ps2\"> </span></span></div><div class=\"ps21954 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">by the Market Risk Forum and approved by <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21952\">IBP ERC<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21953\"> in <span class=\"f ps2\"> </span></span></div><div class=\"ps21956 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">accordance with the market risk appetite limits defined by the<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21955\"> </span></div><div class=\"ps21958 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">IBP and DLC BRCCs as well as IBP and DLC Boards. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21957\">The <span class=\"f ps2\"> </span></span></div><div class=\"ps21959 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">appropriateness of limits is continually reassessed, with limits <span class=\"f ps2\"> </span></span></div><div class=\"ps21960 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reviewed at least annually, in the event of a significant market <span class=\"f ps2\"> </span></span></div><div class=\"ps21961 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">event or at the discretion of senior management.<span class=\"f ps2\"> </span></span></div><div class=\"ps181 ss8\"><div class=\"ss669 ws0 ps356\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:20.25pt\"></td><td style=\"padding:0;width:213pt\"></td></tr><tr style=\"height:18.75pt\"><td style=\"padding:0\"><div class=\"ps19 ss887\"><div><div class=\"ps28 ss92\"><div class=\"ps21918\"><div class=\"ps19\"><img alt=\"Unaudited_information.svg\" id=\"i-211\" src=\"data:image/svg+xml;base64,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\" style=\"height:15.59pt;width:17.97pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps387 ss2326\"><div><div class=\"ps18156 ss696\"><span class=\"f charStyle-0e78c81e ps7\">Risk management<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21962 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Market risk limits are set according to our risk appetite policy. <span class=\"f ps2\"> </span></span></div><div class=\"ps21963 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Limits are set at trading desk level with aggregate risk across <span class=\"f ps2\"> </span></span></div><div class=\"ps21964 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">all desks also monitored against overall market risk appetite <span class=\"f ps2\"> </span></span></div><div class=\"ps21965 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">limits. Current market conditions, as well as stressed market <span class=\"f ps2\"> </span></span></div><div class=\"ps21966 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">conditions, are taken into account when setting and reviewing <span class=\"f ps2\"> </span></span></div><div class=\"ps21967 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">these limits.<span class=\"f ps2\"> </span></span></div><div class=\"ps18164 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Market risk teams review the market risks in the trading book, </span></div><div class=\"ps18223 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">with detailed risk reports produced daily for each trading desk </span></div><div class=\"ps18224 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">and for the aggregate risk of the trading book. The material </span></div><div class=\"ps18225 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">risks identified are summarised in daily reports that are </span></div><div class=\"ps18226 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">distributed to, and discussed with senior management when </span></div><div class=\"ps18228 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">required. The production of risk reports allows for the </span></div><div class=\"ps18229 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">monitoring of all positions in the trading book against </span></div><div class=\"ps18170 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">prescribed limits. Documented policies and procedures are in </span></div><div class=\"ps18171 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">place to ensure there is a formal process for recognition and </span></div><div class=\"ps18172 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">authorisation for risk excesses incurred.</span></div><div class=\"ps21968 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">The risk management software is fully integrated with source </span></div><div class=\"ps21969 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">trading systems, allowing valuation in risk and trading systems </span></div><div class=\"ps21970 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">to be fully aligned. All valuation models are subject to </span></div><div class=\"ps18233 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">independent validation by market risk, ensuring models used </span></div><div class=\"ps18234 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">for valuation and risk are validated independently of the </span></div><div class=\"ps18235 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">front\u00a0office.</span></div><div class=\"ps21971 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps4867\">Risk measurement<span class=\"f ps2\"> </span></span></div><div class=\"ps21972 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">A number of quantitative measures are used to monitor and </span></div><div class=\"ps21726 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">limit exposure to traded market risk. These measures include:</span></div><div class=\"ps21973 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Value at Risk (VaR), expected shortfall (ES) and stressed VaR <span class=\"f ps2\"> </span></span></div><div class=\"ps21974 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">(sVaR) as portfolio measures of\u00a0market risk exposure<span class=\"f ps2\"> </span></span></div><div class=\"ps21975 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Scenario analysis, stress tests and tools based on extreme <span class=\"f ps2\"> </span></span></div><div class=\"ps21976 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">value theory (EVT) that measure the potential impact of <span class=\"f ps2\"> </span></span></div><div class=\"ps21977 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">extreme market moves on portfolio values<span class=\"f ps2\"> </span></span></div><div class=\"ps21978 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Sensitivity analysis that measures the impact of individual </span></div><div class=\"ps21979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">market risk factor movements on specific instruments or </span></div><div class=\"ps21980 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">portfolios, including interest rates, foreign exchange rates, </span></div><div class=\"ps21981 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">equity prices, credit spreads and commodity prices. We use </span></div><div class=\"ps21982 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">sensitivity measures to monitor and limit exposure across </span></div><div class=\"ps21983 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">portfolios, products and risk types.</span></div><div class=\"ps21984 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Stress and scenario analyses are used to\u00a0add insight into the </span></div><div class=\"ps21985 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">possible outcomes under severe market disruptions. The stress </span></div><div class=\"ps21986 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">testing methodology assumes that all market factors move </span></div><div class=\"ps21987 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">adversely at the same time and that no actions are taken during </span></div><div class=\"ps21988 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">the stress events to mitigate risk. Stress scenarios based on </span></div><div class=\"ps21989 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">historical experience, as well as hypothetical scenarios, are </span></div><div class=\"ps21990 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">considered and reviewed regularly for relevance in the ever-</span></div><div class=\"ps21991 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">changing market environment. Stress scenarios are run daily </span></div><div class=\"ps18308 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">with analysis presented to</span><span class=\"f charStyle-33e1c6d6 ps21992\"> IBP Review Executive Risk Review <span class=\"f ps2\"> </span></span></div><div class=\"ps18309 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Forum (IBP Review ERRF) weekly <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21993\">and IBP BRCC when the </span></div><div class=\"ps18310 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">committees meet or more often should market conditions </span></div><div class=\"ps18311 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">require this</span><span class=\"f charStyle-33e1c6d6 ps21994\">.</span></div><div class=\"ps21995 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">The VaR model is subject to inherent limitations, including </span></div><div class=\"ps21996 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">reliance on historical data and limited sensitivity to tail risk. As a </span></div><div class=\"ps21997 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">result, a suite of complementary measures such as ES and </span></div><div class=\"ps21998 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">stress testing are used to assess tail risk. Furthermore, as part </span></div><div class=\"ps21999 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">of the model validation process, any identified shortcomings </span></div><div class=\"ps22000 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">are assessed to ensure they have an immaterial impact, while </span></div><div class=\"ps22001 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">any material limitations would be identified and remedied either </span></div><div class=\"ps22002 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">through model enhancements or additional controls. </span></div><div class=\"ps22003 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Backtesting acts as a further check to ensure that the VaR </span></div><div class=\"ps22005 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">measure sufficiently covers losses at the applicable percentile</span><span class=\"f charStyle-33e1c6d6 ps22004\">.</span></div></div><div><div class=\"ps181 ss8\"><div class=\"ss2277 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:102.75pt\"></td></tr><tr style=\"height:15.75pt\"><td style=\"padding:0\"><div class=\"ps19 ss2327\"><div><div class=\"ps2057 ss2277\"><span class=\"f charStyle-0e78c81e ps7\">Value at Risk (VaR)<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22006 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">VaR is a technique that estimates the potential losses as a <span class=\"f ps2\"> </span></span></div><div class=\"ps22007 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">result of movements in market rates and prices over a specified <span class=\"f ps2\"> </span></span></div><div class=\"ps22008 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">time horizon at a given level of confidence. The VaR model <span class=\"f ps2\"> </span></span></div><div class=\"ps22009 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">derives future scenarios from a historic time series of market <span class=\"f ps2\"> </span></span></div><div class=\"ps22010 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">rates and prices, taking into account inter-relationships <span class=\"f ps2\"> </span></span></div><div class=\"ps22011 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">between the different markets such as interest rates and <span class=\"f ps2\"> </span></span></div><div class=\"ps22012 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">foreign exchange rates. The VaR model is based on a full <span class=\"f ps2\"> </span></span></div><div class=\"ps22013 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">revaluation historical simulation and incorporates the <span class=\"f ps2\"> </span></span></div><div class=\"ps22014 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">following\u00a0features:<span class=\"f ps2\"> </span></span></div><div class=\"ps22015 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Two-year historical period based on\u00a0an\u00a0unweighted </span></div><div class=\"ps22016 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">time\u00a0series</span></div><div class=\"ps22017 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Daily movements in each risk factor, including foreign </span></div><div class=\"ps22018 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">exchange rates, interest rates, equity prices, credit spreads </span></div><div class=\"ps22006 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">and associated volatilities, are simulated with reference </span></div><div class=\"ps22007 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">to\u00a0historical market rates and prices, with proxies only </span></div><div class=\"ps22008 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">used\u00a0when no or limited historical market data is available</span></div><div class=\"ps22019 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Risk factor movements are based on\u00a0both absolute and <span class=\"f ps2\"> </span></span></div><div class=\"ps22020 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">relative returns as appropriate for the different types of <span class=\"f ps2\"> </span></span></div><div class=\"ps22021 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">risk\u00a0factors.<span class=\"f ps2\"> </span></span></div><div class=\"ps22013 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">VaR numbers using a one-day holding period are monitored <span class=\"f ps2\"> </span></span></div><div class=\"ps22014 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">daily at the 95% and 99% confidence intervals, with limits set at <span class=\"f ps2\"> </span></span></div><div class=\"ps22022 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">the 95% confidence interval. Expected shortfalls are also <span class=\"f ps2\"> </span></span></div><div class=\"ps22023 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">monitored daily at the 95% and 99% levels, being the average <span class=\"f ps2\"> </span></span></div><div class=\"ps22024 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">of the losses in the tail of the\u00a0VaR distribution.<span class=\"f ps2\"> </span></span></div><div class=\"ps22027 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The table below contains the 95% one-day VaR figures for the trading businesses.</span></div><div class=\"ps22101 ss8\"><div class=\"ss1321 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:98.25pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"4\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps22029 ss2328\"><div><div class=\"ps14732 ss1543\"><span class=\"f charStyle-a26246ce ps22028\">31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"5\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps13490 ss2329\"><div><div class=\"ps14732 ss269\"><span class=\"f charStyle-8d4b9b37 ps22030\">31 March 2025<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps816 ss2330\"><div><div class=\"ps809 ss422\"><span class=\"f charStyle-a26246ce ps7\">95% one-day VaR<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22031 ss2331\"><div><div class=\"ps11114 ss1812\"><span class=\"f charStyle-a26246ce ps10532\">Year end<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22033 ss2332\"><div><div class=\"ps11114 ss1750\"><span class=\"f charStyle-8d4b9b37 ps22032\">Average<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8327 ss2332\"><div><div class=\"ps11114 ss1750\"><span class=\"f charStyle-8d4b9b37 ps13235\">High<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22034 ss2331\"><div><div class=\"ps11114 ss1812\"><span class=\"f charStyle-8d4b9b37 ps12626\">Low<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22035 ss2331\"><div><div class=\"ps11114 ss1812\"><span class=\"f charStyle-a26246ce ps10532\">Year end<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22036 ss2332\"><div><div class=\"ps11114 ss1750\"><span class=\"f charStyle-8d4b9b37 ps22032\">Average<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22037 ss2332\"><div><div class=\"ps11114 ss1750\"><span class=\"f charStyle-8d4b9b37 ps13235\">High<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22038 ss2331\"><div><div class=\"ps11114 ss1812\"><span class=\"f charStyle-8d4b9b37 ps12626\">Low<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps817 ss2330\"><div><div class=\"ps809 ss422\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps824 ss2330\"><div><div class=\"ps815 ss422\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interest rates <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22039 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.49pt\"></span></span><span class=\"ps12157\">40<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps22040 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.98pt\"></span></span><span class=\"ps19077\">15<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps22041 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.49pt\"></span></span><span class=\"ps20382\">40<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps22042 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.21pt\"></span></span><span class=\"ps16709\">9<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22044 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.87pt\"></span></span><span class=\"ps22043\">19<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps22045 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.47pt\"></span></span><span class=\"ps16710\">30<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps22047 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.38pt\"></span></span><span class=\"ps22046\">43<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps22048 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.87pt\"></span></span><span class=\"ps22043\">19<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps830 ss2330\"><div><div class=\"ps815 ss422\"><span class=\"f charStyle-2b0f4fe0 ps7\">Foreign exchange <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22049 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.98pt\"></span></span><span class=\"ps11445\">15<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22050 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.73pt\"></span></span><span class=\"ps20452\">13<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps8352 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.64pt\"></span></span><span class=\"ps12571\">62<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22051 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.09pt\"></span></span><span class=\"ps18408\">4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22052 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.87pt\"></span></span><span class=\"ps22043\">16<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22053 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.84pt\"></span></span><span class=\"ps20546\">10<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22054 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.38pt\"></span></span><span class=\"ps22046\">34<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22056 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.07pt\"></span></span><span class=\"ps22055\">3<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss2330\"><div><div class=\"ps815 ss422\"><span class=\"f charStyle-2b0f4fe0 ps7\">Equities <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22058 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.65pt\"></span></span><span class=\"ps22057\">179<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22059 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.41pt\"></span></span><span class=\"ps20525\">165<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22061 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.95pt\"></span></span><span class=\"ps22060\">246<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22063 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.41pt\"></span></span><span class=\"ps22062\">114<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22064 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.29pt\"></span></span><span class=\"ps10294\">154<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22066 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.62pt\"></span></span><span class=\"ps22065\">170<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22068 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.9pt\"></span></span><span class=\"ps22067\">309<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22070 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.52pt\"></span></span><span class=\"ps22069\">94<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps843 ss2330\"><div><div class=\"ps815 ss422\"><span class=\"f charStyle-2b0f4fe0 ps7\">Commodities <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22071 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.87pt\"></span></span><span class=\"ps22043\">19<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22072 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.09pt\"></span></span><span class=\"ps21419\">4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22073 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.61pt\"></span></span><span class=\"ps20562\">20<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22075 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.44pt\"></span></span><span class=\"ps22074\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22076 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.09pt\"></span></span><span class=\"ps18408\">4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22077 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.09pt\"></span></span><span class=\"ps21419\">4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22078 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.21pt\"></span></span><span class=\"ps16603\">9<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22079 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.21pt\"></span></span><span class=\"ps16709\">2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps849 ss2330\"><div><div class=\"ps815 ss422\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22080 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.44pt\"></span></span><span class=\"ps22074\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22081 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.64pt\"></span></span><span class=\"ps12571\">26<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22082 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.75pt\"></span></span><span class=\"ps20069\">59<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22083 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.28pt\"></span></span><span class=\"ps20028\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22084 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.28pt\"></span></span><span class=\"ps20028\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22086 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.2pt\"></span></span><span class=\"ps22085\">8<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22087 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.49pt\"></span></span><span class=\"ps20382\">38<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22088 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.28pt\"></span></span><span class=\"ps20028\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps853 ss2330\"><div><div class=\"ps815 ss422\"><span class=\"f charStyle-b7f6e8e5 ps7\">Consolidated*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22089 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.23pt\"></span></span><span class=\"ps10232\">167<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22091 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.02pt\"></span></span><span class=\"ps22090\">161<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22092 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.3pt\"></span></span><span class=\"ps10122\">275<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22094 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.81pt\"></span></span><span class=\"ps22093\">110<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22095 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.98pt\"></span></span><span class=\"ps12268\">155<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22097 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.46pt\"></span></span><span class=\"ps22096\">172<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22098 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.19pt\"></span></span><span class=\"ps13922\">327<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22100 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.53pt\"></span></span><span class=\"ps22099\">95<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps22102 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">The consolidated VaR is lower than the sum of the individual VaRs. This arises from the correlation offset between various asset classes (diversification).</span></span></div><div class=\"ps22104 ss8\"><div class=\"ss246 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:471pt\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss2334\"><div><div class=\"ps18250 ss246\"><span class=\"f charStyle-0e78c81e ps7\">Expected shortfall (ES)<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22105 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The ES measure overcomes some of VaR\u2019s shortcomings. ES seeks to quantify losses encountered in the tail beyond the VaR level. </span></div><div class=\"ps22106 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The 95% one-day ES is the average loss given that the 95% one-day VaR level has been exceeded. The table below contains the </span></div><div class=\"ps22107 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">95% one-day ES figures.</span></div><div class=\"ps22117 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:365.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:56.25pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss2336\"><div><div class=\"ps809 ss2335\"><span class=\"f charStyle-a26246ce ps7\">95% one-day ES<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12531 ss2181\"><div><div class=\"ps11070 ss296\"><span class=\"f charStyle-a26246ce ps3535\">31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss2181\"><div><div class=\"ps11070 ss296\"><span class=\"f charStyle-8d4b9b37 ps13554\">31 March 2025<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss2337\"><div><div class=\"ps4014 ss2335\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interest rates<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22108 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.37pt\"></span></span><span class=\"ps11178\">61<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps12463 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.14pt\"></span></span><span class=\"ps11422\">29<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3425 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-2b0f4fe0 ps7\">Foreign exchange<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22110 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.02pt\"></span></span><span class=\"ps22109\">24<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14748 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.14pt\"></span></span><span class=\"ps11422\">22<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps6433 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-2b0f4fe0 ps7\">Equities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22111 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.77pt\"></span></span><span class=\"ps14850\">315<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14751 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.8pt\"></span></span><span class=\"ps11259\">199<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14752 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-2b0f4fe0 ps7\">Commodities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22112 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.13pt\"></span></span><span class=\"ps11887\">28<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14754 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.82pt\"></span></span><span class=\"ps11202\">5<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14755 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22114 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.71pt\"></span></span><span class=\"ps22113\">2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14759 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps4015 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-b7f6e8e5 ps7\">Consolidated*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22115 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.42pt\"></span></span><span class=\"ps14746\">292<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14761 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.99pt\"></span></span><span class=\"ps22116\">203<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22118 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">The consolidated ES is lower than the sum of the individual ESs. This arises from the correlation offset between various asset classes.</span></span></div><div class=\"ps22119 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:480.75pt\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss2338\"><div><div class=\"ps18250 ss67\"><span class=\"f charStyle-0e78c81e ps7\">Stressed VaR (sVaR)<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22120 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The sVaR measure is calculated using the VaR model but is based on a one-year period through which the relevant market factors <span class=\"f ps2\"> </span></span></div><div class=\"ps22121 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">experienced stress. The information in the table below contains the 99% one-day sVaR.<span class=\"f ps2\"> </span></span></div><div class=\"ps22124 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:362.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss2148\"><div><div class=\"ps8543 ss2146\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps18386 ss301\"><div><div class=\"ps8543 ss296\"><span class=\"f charStyle-a26246ce ps3535\">31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps814 ss301\"><div><div class=\"ps8543 ss296\"><span class=\"f charStyle-8d4b9b37 ps13554\">31 March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2724 ss2148\"><div><div class=\"ps997 ss2146\"><span class=\"f charStyle-b7f6e8e5 ps7\">99% one-day sVaR<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22122 ss301\"><div><div class=\"ps997 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.66pt\"></span></span><span class=\"ps875\">1\u00a0264<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22123 ss301\"><div><div class=\"ps997 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.63pt\"></span></span><span class=\"ps20295\">1\u00a0019<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div></div><div class=\"ps181 ss8\"><div class=\"ss696 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:213pt\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss2339\"><div><div class=\"ps18250 ss696\"><span class=\"f charStyle-b9f48ea1 ps7\">Backtesting<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps18379 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The performance of the VaR model is regularly monitored </span></div><div class=\"ps22125 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">through backtesting. This is done by comparing daily clean </span></div><div class=\"ps22126 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">profit and loss\u00a0against one-day VaR based on a 99% </span></div><div class=\"ps22127 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">confidence level. Clean profit and loss excludes items such as </span></div><div class=\"ps18382 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">intra-day transactions, valuation adjustments, provisions, </span></div><div class=\"ps18383 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recoveries, commission, fees and hedge costs included in the </span></div><div class=\"ps4176 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">new trade revenue. If a loss exceeds the one-day VaR, a </span></div><div class=\"ps22128 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">backtesting exception is considered to have occurred. Over </span></div><div class=\"ps22129 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">time, we expect the average rate of\u00a0observed backtesting </span></div><div class=\"ps22130 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">exceptions to be consistent with the percentile of the VaR </span></div><div class=\"ps22131 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">statistic being tested. This is conducted at\u00a0an\u00a0aggregate and </span></div><div class=\"ps22132 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">desk level on a daily basis. </span></div><div class=\"ps18379 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">The graph that follows shows the </span><span class=\"f charStyle-33e1c6d6 ps22133\">result of backtesting the total </span></div><div class=\"ps22125 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">daily 99% one-day VaR against the clean profit and loss data </span></div><div class=\"ps22126 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">for\u00a0our trading activities over the reporting period. Based on </span></div><div class=\"ps22127 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">these graphs, we can gauge the accuracy of the VaR figures, </span></div><div class=\"ps18382 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">i.e.\u00a099%\u00a0of\u00a0the time, losses are not expected to exceed the 99% </span></div><div class=\"ps18383 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">one-day VaR.</span></div><div class=\"ps22138 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">The average VaR for the </span><span class=\"f charStyle-33e1c6d6 ps22134\">year ended</span><span class=\"f charStyle-33e1c6d6 ps22135\"> </span><span class=\"f charStyle-33e1c6d6 ps22136\">31 March 2026</span><span class=\"f charStyle-33e1c6d6 ps22137\"> was lower </span></div><div class=\"ps22142 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">than for the year ended </span><span class=\"f charStyle-33e1c6d6 ps22139\">31 March 2025<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps22140\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps22141\">Using clean profit </span></div><div class=\"ps22143 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">and\u00a0loss\u00a0data for backtesting resulted in two exceptions over </span></div><div class=\"ps22144 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">the period at the 99% confidence level, i.e. where the loss was </span></div><div class=\"ps22145 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">greater\u00a0than\u00a0the\u00a099% one-day VaR, which is in line with the two </span></div><div class=\"ps22146 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">to three exceptions expected at this confidence level.</span></div><div class=\"ps22148 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:18.75pt\"></td><td style=\"padding:0;width:462pt\"></td></tr><tr style=\"height:12.75pt\"><td colspan=\"2\" style=\"padding:0\"><div class=\"ps19 ss2340\"><div><div class=\"ps29 ss67\"><span class=\"f charStyle-8148111c ps7\">99% one-day VaR backtesting (\u00a3)<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22149 ss8\"><div class=\"ps14\"><div class=\"ps19\"><img alt=\"866\" id=\"i-212\" 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t7x4mGarfIZssTMo3FX/ieqsNl5opvc115W/z5k19auhgTL9R6e+trwf6mnc4jVqyJD9f7Ai0sWGWwr857mT0M9gifTwOXZGxAszHv6/dVfIcPd3ndZH/3G8DbqwPQtd7fZ+o8/df5e5dlbIb9bVWSHeWGvuAzl20OH6fjNu0LDRteXbfutqK+C1/M90GfbFJjJi/oMPLm9tWY2LPq/TbXmRM1w6jl2Hjh3c7KT++FXhL/A9Rp/8m3cZPnaAnbUWPi71c+cd4e9m+hqwzMk+xFT488kPI91KdnJdt4dkuVZEeugq4cKjBaujFACt900+L+z24Xgb8a7gGz7o7LTYnjke20O+vliH9eKyP4Qu0rIXYaa22djvt2vD8sRfv0yn+HQPtEm3z7Ut3TOsn21Ht85w0GY59XdBycrSAc3fKuny1Wm4md4vHefNFzKc+rtauxLncv1imC4Aunr/5PZ8odMPhv8MFfdavFA3uaVXrXqNdWVieLxAfYO/rq3/U+s4kXjrq99yfLxVPfwyrJ/9yl0pr8nqxb9zZs94MDjO5Z12ymzGD/eObOy9qTmZapJrdbqt7tcf67YckM92ful+EXNa/q29O9sv/tkPtvxBQ0frZ2/nNvl6TXf2/9f997yFdKAvjOljynH31yfvt+GxTtrpdabC/h7tFH6d//26rLucDTZ8Iv33aD10rUjvfThKVfh/0KlBe45pyOd1B7YPR229/fY9F7elN8KqsVhF/qDHwOpjwYozbeXn3R/MWLBPuX+Ulqf+fzXMg/9l84hBQ8b8WV+Ifyyrj/Pa4ot1no/RbXLPmzNj2HmDBzeUNJdtuZ2Ee+MMHfP/7J0JfBTl+cffd3bDIZcXZ8CDywOEQJQkqBUvSMC7pbXWo63WatVarXe1amu1tvWo1bZatf6rtirVekESvPAiCRQSoniBigoK4lVAjiQ77/95ZmY377w7s0fOTfh9/TyGnX135p2Zd97jmedYHpQZ2I03qy5JrACicgIUgKBb9uXNnfr146ZNezSV50VbwZbAUdHIYX2ymnOExPZMG7JF86CIpNGCJcY1KcUFdM0SfU7Ai85Pm6Q9Lq9nbzvMo4LDDEwunnW0LewqYVore+FzlLB+SmPWoZmMWXwPqdO9xFbq/LCxdnJRWXFMiusCFBkZTmCTFV2tWT9YVqz/4sXz1rZcMafFVWvP0DDchmTaZYcTc3blR5vOoDEv5n+ZTpPbr+ShwrVGTcE1dAtrTmXFcXcPc8OeI8uqKx7L+XoWlR5kS5uThYWFJhoeibEhiZNAVVP+qXkB/Wm9HbOOp3Y/zGdJ2LzorKPGspuxpptgLBltd/6SMFbqlLj0oPspADdkoLzixAwzSaZ65U04IPbksLHdUxzGg2bHXYU52+5bAeX30MqG8QHJrBTf6/tgS5HN3vHeDyi7p3E8/vf4kP2yyfzQgPqxa/T/todGG+D6q1v1bRYZuOGmgyc+NMhzXMVCOtYjdW0fayNJudc81xH3x990BsULpAH+y/ji1lbiqfpF5c+nG0hSK8QS6AtREbGiM1S40tCwWBQP1/qVfyKuQAtVAqbpm1oysWL3XqryzcZmdscfFHSeNHn+nv88eEJ+jS+uZ21NxUM00LGy8ozm8VJcOblkxsPt5Xba3eHsg5nEO8t+wehrk06sk5YqAtOEGOjJWa7pKT4xoWyy1Acx1VQqkl3iLc5ATguPCaksj9sbXnDmxXquy6QObFmibKvAlqKYFwV11eWniA560xvLi/xjxUdfD6R+69xM7tl+B83aSTTZ94vQWLDqZ9H+G9nK9z++61E8s4j6t28b3XJSmAct6VPGoQrCfuP21xXP83psyRJhB1rjSHXThCkzltYvqnw55TkqycnT/pV+IeFYoh5Pz8AjXTFmFI3DB+bF5LutWbBvtwo2zwqZGtViaqs3t+j6Ty09QNpWIbWfzzINtRDvP4JcW7X+uT91KD81+nJWqjdplirDPBf9K8PPceYPpLSTXsZLJTfV1pRn5C2hWQI/kakC0DlHYU1tUOrGwNieKUK2OC+XrKYgD4qM50XSuW5J87oLtfAmofNgTjg0saT0O9SHPB5iFZTRmBUfjxXXS8qXky31XMtImlBdJdMpOtMTmFypJesHum7fnjCl7Hvp5s5JY+iE6X0iO0TuMeKqZTxXzeZ55LYTk00nJK8cRJ2UIsJhIPyb6XOAUWVMqWPTKQAnlVQfqpQc7j2X3TbWNa+FpJD/omd3XC7P3Z3+QTbdJ1LHJeeb/q2JJWU/XFZVfq/2QiFqrs3Ynfe1+nI2GuJQYUe418E6hv79atxbYr8DZo1M5TbMcfNpzTrQF7oKyUCgAGwDeCG4X4rvv0/CFljfEK6bZxCLSDiJQpBVHysN2aW2XlPIcczBg0IUgOwieH+aOvPx2EprF5Fs1TfKU9ItiiuovMUAH++5kOMtMvZ9hgh2BeaMrOwCbL75D6pHt8N783au2THVtYd1jZQ306T3bmHJS9vjXAKUe05bichYYmIQGC9QW9xaUvyUlVOp3sKY1n80ICylhe+TNOBbNJG4MrGoNOLjKaVmGBOKRuF3VY9TbzVGfxh2fEcJOGVmLR3rDFoQTKZBpJDfagdNbGi7Hlzfi7lX2ivMDSg5loycqiv72JqSJlxHS2VVmefZJ9YkG9yM282TJaEeDDpOo1SX5il5THzfPGnmt+/0zyMxjGRPQ6THizTJXJupYs5ZbCk5U7nu774FI93khc6kJahNtVARGBJiIJW2sYAWUwUpSoxyFx7i/E7pN903ww81WbEHguowqbiszHbfChfw82krupaacS49g3d3xJte/WVF8IIyGe8teMrQD5Zyxl6fApA6g1OFbn+cQZiHTOO8ZvqbEGuciGVZf9cX30HnqFLE9wm0RJXyvNZaxXYSf2yIqPyWLNi3RwLvvVCzqQ94zczwmPZZ5IDztjjceRGouaReeu9rsXG79xdvr97wPeobirx5WD+z/0idiC1ZN8MWtdJdC/xCV2pRf/y32oXzPkga/6fMOFhKdQ837qT9S6cfX5yR5bVnCUw/KeOkGqa1MC/I6ZrO5BcivnNMeYbhIVvsPMey3Hx+aY6j3jevZcC45syLqNAm/8Hls3XV8x7M9P4uq6qoLCg6iuoQ43jX0wJim6YcswJfxmmWeraMPipUzf8lWUY23//npFAvp5klH8/JlIxfmgmZFmQa9kEb1y1pifnUdn9dV138a/OlL1tbU1vfU3IiPk1BYkXs/4T0u6FKwJY+j17b0dcG74hePYu4Lhyvb+VHG88JjTnrn/8cLdwkk6Ev8GhudUpLFJrt14dl7wWQ2ZLOWQv1iCmLrfy/lat9eNDLZ35ehLJ+I6XNfVUi4Sf1EX8smDpzKfVhvEba2becEeKKWi2hR+LZd8d/3xzgtcVz35swYfrUAAU348TNj+U1TvGFrkIyECgA24DXSU4I+Y4X6ByIf5ZI7e7yjNfBnURyn/HdOd7kWw/W+rDXKf7de1B0ZSF38I+mqXOtp0RkpeN1AcfjJAFrjOPxm0x+GLcYykI+x19p2yqF+7bsxABFJO+b3xyaMR3iWYlzEDYvv8ZuzR5C3rwlOqb2qHWkYd0cO2/QgKCJZ1sQpNyjTn/ukqr5fqV0crxAYx0bHAvCXFA3z3WbXTVoAnWMNvFLxMdzg82Lw/wTavUdqeTdxiDzhW3HjqtbUp7SqsiLW3OJT6ETtxDQMiYHTCrpr7yPM1PpsddCY8mopMnPdXVVlYvoPOvN82y0IkN5MqAVf7O+unJpUP1ZKUp1YAuBB7SDHcHuxnXV5Q8KkLkyynFlFOMk91kBirmExZSlDlJKTNIXW0ELxmU17iTVjYdkFdI/fxTkauRTBEpxcVhg8bAQA9KihUxMfcuLfTI268mnUOfSAuTRjnYF9rsrJdfBWxQ9LZsV5AErhI5505sUqiCN6xe//ea34MZuVgnXAl/rFqyDAk5qlr9fdMbgDo9nw9Y4k0tmnkj98lytzSUW3yHnKAIUCAkLk5hoOl4EJGfSn4GIsi5dWjN3SS73FV7bZCt8kWrBbsLx3DrCbbSl8AuoqLKuoQX2T9tqn5OLSifEpLw85N77EnhlovgLddeUYsf3PvlasBAnxzsMqTWylqx54+70dO/m5m3t/QPRnJint6egO9F3DcOy3/of6ovo/y+lO1/OOux9HBDtv/FQbw7evJKOxo6ko8xJe45SfOLGIU0oIZPiZBWUlF5M45qZmZM9KL4feF8TL7/kTb55kaYY5BedERk7O9uLXlfz9ArhGlc4467csu0mqvMP041ZaSzxHUs9qZwX2ZEgxV+mLyFmz559XUpFl2blrSsEpbLvq11UuSzNuB7h2IcTi2sO7hGbebJtR5qaFXVirIy73sb361qZprLYjCe6m6I8LzWq994tfB6lVw9tg7ir1lNweuPgbSlizuov6/MLppbuX7ewYnHofEckWRp2qhIwWy+ATPC9XBTiBLYs78hkfhOLZ35bKlWSTlkd9PKZ2tFty6rnne+u2Y76npAxXqf09b7uS/0cexH0MFrQ5XVVFb/Ppo719fO5U+dY17z/673nV/ewe7Gt4tKDzieSI/Vgxdw1JH80FFu8mONJ8WnmgBw0gRBuXDxu8GxB9743OHGsrh8JN0OubiG3zFNIcEN+zusw+c0ju/SwJn1OBvVma0RORvK2cBOT8LTgB54yj9+o6FmJ2frwdOFaMVZ657yHp2h8xVNy6p33Fk9ZWOMtaPI8BeL3vXP5wqjLLzwlaE2uKf8KimsqhgwfPXLt6pNfprE55QLrpycdeoK7sJGP/elfLzgKTcc0uafkczMnpI1KqeNrF897tz1q/sknn9hrV6/8b3tenSEjRlGblImJH3W0Z679aIVP4Uh1+GBI/lhWVrALVC9qZaa7SX9LqVFULqnNDh0x9h7hup7Hj/DssppmV90hw8fsLdy32onDrV2zsnLInpMOolHnLH1iu6yq4kyqx1L690neJCpGM9zjly2qyHoR+cnqd7+g47xBdX5x7ZoVb69d9ZajnF+3euXywcPHvEMP0nGGAmYXOu50FbHPpzrPlrTQkb7zCuSNxo19T12//o1Y0HnSZ1a8665Dt1J9Qt9I03evDRk+9iD/9RQH7TJi1L3rV7+7BcNJhm1++Fju18Zpi5+RdD9/SPfo0CH5Y84XsdittJEXe1OdeywDXZSS4q9xm+L2Q/KPwfmjn6NF7O5BbcQ5HvWhw/JHz/tkzcoky7JBu4/+A1uC6MtIei5PoEVQPbXZKmoHt1N/9iK1/a9CnkdOFHKDjMgz6Rk6Wls00HpKfCN/8D53f/LJO43tfZ35pcmwPcfyC6Sfac+Srw6OZYtlVwjXgjyV9nIs/eav9Jt2c2F23FJk0ss04VxjIcu+2NB47NARo9/k/tCbCI+RboB0feK7ONL46SQV2YEWevJ8bak+aNDOI29et+5d57pPmDprPE3G9RdHm3eQfc9avfqNTsmq+8nqFSsHDx+7C1W2SGunB9D5rqF29sekyb3X79M9uSN+TyYVzfwmTfrnSuGzog65nWKkLdWpw0aMeSV+PdsDzpK5atWqFl/TIcNGc1+wt/eRX3ZNGzx8zUG7DR07/+OPVwQq+IqKyvqrWN4nNI7sNyR/ry/WrVmxKtf6wPzhY26TQp49ZMTozXT9F7Z2f24yCfGCdJQhofe+t5TWodRm/hHU//DzN2TEmHupL/51BmNrW+Lry9evWtVA/SvPi47T9X1DR4xZoLfV/FG783z4O2n2PSZ/xMhHaGwIs1CRQ3cbw3PwfG3TJhpD5vrHrNFnGfOHJJ0FLdN/1aR6/MiS9nnaPdiFfsv1XtWsOJN/NuY29ZHG6DFhY4IzV1q9siZkXhR/nq+pra5oVdgbnoPlD9nnWZpjnRg2ZrEyksZpVvreKdIbkFiG4m8t/e+bNP+8et2alR9mUqc33nhD8bnvmr/v3y1hD6LaTEwzTg1x7pOUP6J6bqXfvppiXG/uCy3xQzrvy+jDzMCx0B3jTXdMfqnMlmRHaOfKfRQreaaxpOmLQ59HN6at/Lm2aVukKXqaOf5+uubtr2lO8jjPdywpvhLKulH07nm2aLLH+OZYylq3dvWKF4IqMXiP0bO9NWXS/eP2xu2O51UdpihrngcMceaF+WNG7jp83yo+19bs11gL8bxgHLWPezpG+ecozB+ko0515rZNscvovI7jdcnQ4WP6DdttVAM/5yHzsXejjdFvxdvI2jXvfDF4xJh1tL9jw3Q5/EKhrrriwhb3BfTc0FqvinY0Swl5d13VvDsT1zF/TE9ei2kH24PK39HSY9Gan9f1B9OOnqM1f6d6JlBdDvKe51f+9K8Fz3X3tViuWACu9JRobHGku+nwQpFN4cMCdvL2b2qfuRHu5CkNN3rnx5PEo7z967AycAbJQ54yba03CWBXm0xdPnnxwYM9dyJ3ekpIHghYQWK+WWDFZpl3vM885eAIT+F4RsC+b/POhTuDDd65bPTOxYxdwG/G9vcUpTmFmxlNHskSf9OWTSyfsIxGzj1T8kSaTLzSlR9AfzIQuSjEOkjV1cxLuJA5b2q3bvs1TajO1WZXiVgQ+kBqWv8pZV9rzGwWOG9PtTWbU85W/uy/tmthyy4LBSWll9O1/53zhqm6/Jm2viZp4gb2FKlT2ydO1bbts5pdeYzzlI5FTb5/fqr+mW6nloydHVPWa1rcnEF5SrJ1wo+g2kvPpAOPHKZi6riQrw/J0HokSfmX1Ibct8ZHpLBm6a+k5EnmMb6JWsmMKVKlDzHgucMuiD+PbLFIddpZSvt93VV20tSZP6Rn6QVtgTAqltf0ME3ws3qxIJVcnmn8LSaNu1LCuiw0zqGixYR07kbc6qLd3/SmT1SkJiolFrgWo9ZvhIzxc9dXK7BJqMj3lixZwhPlVQVF1K9KsZf3XZ7oFWHlmuNCKm3bjN/7fFXVnE5V4rsuNk1cr/j9sJRrcR1KY6RpQvycbKlKQh6fbd78Z4KxSOhF1/OBMOvxtlj0fLVV3EZj+MnZuJ7GYWWDrfzPp1fvwxsiqnZi0ayTltXMTVrUbpHiEHrY+jgxOrPM3J3JOcXHqJbug91W6SxOd5u0vIGuT11Lrk/z/hKxn3oGK6Z8i8MJnvvpifFrnMpqWuNFJzZfWPiOgP6DM9dyVymF2phaZyMX0Tyi3Ohf/1FQUnYuZwJOdIFK3BN3iw/Kfks7mk8TnIX0D7bm2zf+DMVUhBfCZwbPT0tP1Y4Rb1/c5kyXyWlh58jZeaWKPRi3OEsK2eJZT2tWc/r9yMiDIs28iF90/r4tnlm+toFjVrRpKfWng8Ms8Um+T/d5lzBLPbb66xGTJ7c0jmcGyZVM+BrfOKm4bDLHP4v0jRamCemRVSzGeFw1tpiie/JJFjGuUz6PvjajJ/9Q8rFUfZfp0knzniellLO1HbCy6KrAR1XZp8jwiVeHWwJm6wWQqVIxIF5mEZ3Xt4POa1JJ6em1VRVtohxMkbTOS7gjfhYPrRATTetEeHz75vtN6zzqH8tCPANShmTKeG1KYxJbqHLcaN8aKCAuPZKBQAHYWh7wlHm6ApA7+lRpq4PeCPCijq3y+E0RT+jZJDzM2oItzMZ7ZXlgYyu+T7OsNysM/+ntgzumZcLv4quzioTfIvKbmYHCdSH+KMW+WVlzq3Df6n7t7TvoXHjCstTbX84wYUrZYfqgE5+4ZxrLx51sq6CBtT4Ws47nmAXd4BlsTgYi7T9k1DEvePyrwsLCC2N5g3hB648FUXTUy55bR8CC2rH+8ylMG63Yy3nKsoURH0+wclz5NF8JC1w2K6cB8ou2GiBDJ7sltIBX4hJqN8eHLG4Sk0szlgwNqB/qQfSTzjM5ZtirNICtSlcvVsDQgvI64XP7l6fTALg6E9e0toAmChfRze4TpiiqrSn/d8429ljkRyI4jmRGC0pebNFC8G7PpTx9O0qhCKR2M6uwZPreusu9tCM/49fl2i7ShhjQYrwlwQr9icUzb6f2qbv6HUVHOiq7TqI5/la665DirKNeLwAAIABJREFUpYk291TnUjteZ8ZTpT7kXmnZNyytrlw5qajs52YGcmG4s7WZsijoZYWQt1E9TzMXlK4bq314wDU6f1m12/e5n+Ur9Pu9EivCiBMH8Hm3O5OzlNLjosq5nf1shCy+TVbrfZcVEQkFoBRJFkrvBIdN8Cl6kjIJxgmKhdaiRY9U5RzCoS4gFlHKNq+s88Oug5N0QdpzJx4w44BliyuXGwqlI4wm6svcLS11c5g7XAYLf/YomdjSBXGA22rGrrlBpEgm4dx70UP8g2aMf9JDp/C/6X6MpX/syQodmbLbTXbXZOXbGaWjHvnq68ZJde99+cA7qzet1Mcf50VFdasD7NOh+f7bL4sAt/ig7LeNwv7u8urKLwpKSt+gh/8RbUenjC865iozjii7iYut8vqAYw+bXFRWtLSmvNop5yYW05Xntm1ZE+sXzn09uJEYIVukOoH65HOoJreKpPi18sRs7nuAEtB40dl6Ases5hcpSco//WVcgEtqIut5W8yNwpIrhSkEua1bO0T2ob6+r9GXvEvfrUqh9N5G961C2HL35Czu/rhqGSa6S/c8vlbnJdELTP7htKnMabLUvDwlm+L14QQh/KLAbGucwboxSTEmad2pfiH8sbjvp/nAazS3fKM9x8AUCQsTCWBorv2fJG1vY97vUyWrCXu5SGPFDaPLyh5fWV6e8Dx0XfTl7+jvztm60Gas/AseXHb09BD6HCg0vn0sYp0ZabKLjbVMxi8UMiGobwqOS89jLpKBhLaDA2aMM+cpUAAmK9K4c9lVuBZyTEuzvnE23EzjLClPSdga2Mowm1gCy7M8lxfTlGG345zzwbc4j5iQ6/UMafxvaYlK6hhTWvDcWf4eZ588W6TOaNQt8N6onD5meL/HMm2IbOUSGAtCxh6cWDTrUpow0ACuDvcvqEzrPy+2nRkfT1msiNczatsyqnwWCu2p/EtMrNwYbd/1B1Fujr2WTSyZgPM0JwIZx/Hjt+15/Taxle++zc2yOZZMe2ar9OKD/D4sCBFdoxgNzmWtsShpL6ZNmxb9aqs803ieb6dVwT5JE3El3Fg+1K+2xYIyrggsKJ5ZQzufEm/runVI0MRbSXVOazP3Blh2tRzpLNgPp8nX4VKKC8x+NNVLE/ptX7qucRcYXgyZWbvfpb7ovPj5duSb3sCXFdXzzqcF5fUhMY7M6/Jv3frZ3WS/krC0cvo/RwHoZNRVTXaJfpsbY01zc+EZCVEYJ87RmWcocYvWQCfGFUtKbCrUewUZaTq09tVnPk5ShpfMvEEqdZn2rCVZj/PLO8va9H/Uni4KG6e9xDLn0uL693ofHLDo8VnjeHGGUuLdo++b7dN4hnrLSOQib/6jK7fDMt67mbttOTvTWIIBfW+h12+1yCqGxo2LtXEjzs6WFXmc+p+SbPuakGQSV8aVCV6/9kN6jvcxyk1KZW2damzll2BHXnGtM8Z9+5D8B0fPuqaiPZ6Fuqq5C81nwXlxUVIaobqFZr/ledSK1Zvei/d1bOmaJ5v4RYfPAsrLLjwscHFtSbaYchSATlxk/aWQEvWhyj9henW47Y5+f3ug4qwF47Rf4aTu0190ttnCMLMxK8kSP26pN7Go9G/8skHZ4vp41vM2bx9GciVWCKotW4+S0gmZoCvEJxi6H8eqqm7hlFc8D6WrRLNVXpK1sF/RKOcFza34GlD/tkE1zy3iLbaRfrdQHzNDnsfrqM2cysemOcjOwkj+wW0qm2vjxqwupXYhD02sMyIRbtO36uUaIuIk6Z8r1NZVz6O5bNmbRh+ep1wvlwvac/zLxAuASk1MVoY1sFJ4bpZKRd7fnn2/cLz4/pAY05S6wRtbW2WdHaL846R1r6exXk2Md6lePrPVPt3jU9h1VjSHZDqxJS+Ssr9RdqU/Lr0cK0D45YpEbqX5w687Ov53OiI5VBee+LBlCMfhW4gmkzHckXDndkWuVYzjnuw2dOyDMUtMMmLKhMaW4BiAr77x+YSHFny0v9Fx8ps3djm9IB7HqbvAcT0GDxv7zPPPPJGVe1JILIh8KdVpyTF8/LH/dALi48UtYuOz7iV1r5bf2pnXJx57bXD+Xi/RZHoDDdIX0eLkukxjyYScZ2Ie1MNuOH3NmvczcgF0YgqO2KuOZgin6H0oX3Nq6ycPyd9raXvFnTJiYgXqkzlux6BhI+esW/PuV7nUznccuvc36SrprgkbtkTyZi2vmns3x7CRwuK4T7/nGDZ1rz79R45FyXEiOTZKm12/EaP+R8eYrS10xw3M3/duji8zZLdRZ3sxgBIT72XVFRe0QfttHLrb2Do62GmipSHyQ+613o+GvW3mlyb25tixVs/IohR1cOIcLl00d6X+3A3JH7svld6veb5s9Vy7ZsWjbdkugmL/KaVO42c7HuNo6G6j5ysl9wiJTbY6FrVmfvrhCj3Jlxg2YtQmJaSuSBu09+jhv29s5IWQ7h4lXqNF9I258pwMH7z3S0YcrsQ50pKbM7efpt1bjlN719BRe+xPK4CztPIf1lVV/jp4//1p/304/mm+tp/Dh+Tv/e+1a076qqC41y9pEc2uxzuGjdNOYhnpJFDbh+M0UZmDh+SPfm/IiDElKSwexss866iBQ/ea/+nHK1K6HA8dNvp82o/+LK7etJPYu8dWZ6FzsLZ95J4jJv0xHrtxYslR+dJNeCNT9pEZxBJM0/eGzmE4EcuQEaNvoPEmqn/nuDQL+ZAMvjaDRcQeTfcyY+tttlSh87jAfNZpjnS+2f/QeFBJi2ser3qn2qen+Dst3dhK8zT2zhlDbfHB2/65YGUHPgv8ss1UsjxL53xx/BPHjaN5kW20n3H5g/e5PR5HixZju9PJPihCrdHlrutWr7jDnTckxf97iMemlO3XjJOVRnGWLdyu6Fl7rVGqe9oj/nDomOVa4r8qlXyU+uMzaE4ZuKDltsOxeOnv+x3Vb3IMQzpePfUv/7YsdajzTAW2cfknN6bZAo4v+OKgYWNekY7xu3XBspp5P+e5ph5rj/frxKl25iMr3kux3lnpxLT2y8vx+I8ZPI+7eG3mYF9LVOIGOnbWa2JqHxxCqlQ7855Ul//ztdPho7mND9WuzR+o3Vdx+xo6fAyvR/RQGb2oHne2erynecqw4WM4TvMbeh8TOA9wvACcPrdX6pmQ+JLObV7gs5gUB100+HQfUhyw27Dd794lf8wQmgPNpy19WjuXDlP+eUnrzhsyevwfRaNdTUdYrThqhaL+zR/rOmk+FrbGHjxiLGcvP4gaymXUD97fEc8arX/oGqnTtVbatHb1ir+2ZF8dFQNwcsnMUo61HPb9Xgce0+/Y/QdN7RG12HOxLWMAShpDbqXGPL2j4n93RQUg8zKUf9mPeyI5U3DOwJPrdatPfmDIcO7n5MFCC5ZrTqB5grytwf7x/c9/OEwpnxtefMJ0V3e9ievWrPi8hRPBWhro2Y193xTFNtKk7XtUdm2wYmxsLy/pQhwzhsvfaaB5Pkeu0yo6j/JsFH8pzjPO3CU18+/N6qFbveIjmjgupP3NkFocMv63lGr24GFj/93Sexo+gM0YzS4BGSiRUgZ77yxoQcyTzT20cfGe5VVP/ye+YKDJ9TN6Qpj24OCSSW9/sbHhZOHGV+ULGY1ItZXu5wJ6jv4utODLLZ14B7aXj1Z8MHTEGFoIKA7jsCAboXvOsbSCJomJfpQm64OEm7Ut9KUJ18FMNJG8KEpSmPqSFLU2GQgnJhm655graEI0LS6WlD/TFyFBLyvWfrRydUhyF5tqf1z9wvK3khaxq9/9gsaXs7Tns2dDY88naSxha8IJmrbxXrrPORPwOWDxnTjH4UP22agi9iWawmanfUYPv3FbY94JXlKjeD9UEaZM4uRWQ/L3XkANnC3n4slFetDnqYOHr5ktXSV94DgdklgmkchHumFcUs0rB9Pi/BS6jx8PHTP+w6BnnTPQq0gfVs70187z+jcXlNOC+uQFQ4avYUuUfvF72iga62nRutxT+nK4iOO13S2h5+ZmDlQujOD+8Rc2g4eNqU2nqAjpexPXZvjgfdbxCwTqQ+6j/v9CDv5vzm8GD9/rYZk6e/h46iO36IkLguHEar1+Kdx4axklk+AFrJNIrDmBV5JChzZeVFdTfn0mY2tHKQDTvTxxs9/as8yXRHQ/XqfnhBXiO3ibdrCj9lq6F4tcBd1o7usKtMbwifcsRL22sWv+iJEPc/IQuie/9Sd6kr/lcSpVvfOH7LOCE5YFKMJbrfzTFv9vtWfyMR4vhowYvYXafb2lxC2WZf+itrriUu6Heaxu6/lNW8EvFwbtPPJ+K89i68Xxxte+hAre3ON9fsnUkcmCtOfx2yK1J15g8o9MGDRs5DqaB2ovA+SIXUaMuiPeZrxEWL/S22aPmPxh/IUIlX0vIuTFojnN9yDadntr2pymGMs3E3wEJiysnndSRglgpNyVnofbko4XoFSUQp1A/y/VlK+9YzKyE12ri/zz0/C5dOIlz4jRx9Lz4HNJLphaegD1p3MDlX/ec59QKq9e+Yz7PK28kcauB4WSL1N//BGNIU/UVZX/K5Nr6rzQi/bdQuU77CVm/uC9t+jzEB6P6VxuyGUF4KDho/9K8+QYJ3MM+n5E/p53PF71yUVzF68Vcxet23enwSNZqby0tcctnFo2Siknr8TOdkT1o7lKRa70lVEBQLtzjV1XLa6lzv8t462IE2C2oKiMAy5P4Hg0T1R/ItprwtRdCYkFEZ8gP6eEfUl9VWVt2O8D4uP5x1b3rViXJ+w8VRbuvzocx/KAA2ZOaoioBwwX1h1okctuBee1Zf3NmFhUb3qenFhvfJf2FP4kQMHBpYMGKFpwe4kT2g2OgSE4yYd+OrHYnzu6DXAA6YklZbdIN06sdx3V2QVTZrC7l74438ZuQG157Nqq8n+0iRJYyZl072/S+1FfQqAU/WaIa1eoq0mQO1trkoHIPtFD2bXQ6KOMdp4cqiCOGdORZPGyqvIF4esC8YoeKDsm1SHSZxXhFJqba32V7gqspPxd/Byd+DvFZWuEZ73H7o1fft1zLyuiSpTvGsqqVPvnOLH0HJwvldBDORSGvFlwx+mSsqF0LX+gUidh0nfRRJ8u5t8I/292psXf/WLrNo5p6Xf1r6pcGesxeDadgD6WbbKj1l3xuYQUpQ9R+79QW9CxMuoRVxusjvAHtJdP19bM47Z608SSmUfRfv8WEJJkfjqX4BTxCJ1rQ88UK9t7Bn3nuWtGk9zQlPgxfXGOcW1upPLTw9xvOWZXQ6SG5lDSjF2WNvYTu7JNKin9sa3kPpYS1W0Uq69Dn4WAxnZdUGIkJ55m8cy/UN9+pVb2Ahrr7ozlDbyC2vC3jRt8OW07UbqKAa8DjRw7rmTGp2b8P55HpKtzcJysrjeXbW0MtM7CCzPACYB4Ac8vxvilRGBChU67tvQ8Ti4qnRKT8vLQONdpkn+knp/Of39ScdlrSiQs+KNRW7JVLK/BhGXbp/i7I/Xs4sXlCSOBwPBA7A4fEu84C+VfVHuAnQQf9Hz/X1jCwoRbeUmZY0UVj/1JY8BliWR8SoycOGXmWDMmclBokdrq8ifpvK6nY+ttO1USP2cuPengsvNEgzjVDUVkj/Xuj6K5yF2+vtq2qL2paLbPvdePsWQVw9ubu9/QkW3Xm4ewFf9O3qY+E4rK8utrylfnaJdAU0EnrNV+1KeXx8NFxPHCEznJCTdvdZwJdqZby239b609cJMtC6XXBjmExaSpMx/NFVdgC+oT0FFwB8gdoXCzhiUmyfRUfCMksxyUfxngZnB03FFtn+JPqYPp2h1RX12Z8i2G0xkqUR/y9QZr27qq7nCdQs5zww6yz1Mt3SfH+1tWXcRuG78zlBrT27LuTkwsIb5vjGi0aK241pXy77P7l1GH77huYuFwXCs7b9BZ7T76RiI/MZQDL3ZWUNxoQ5QVo7r1wi7Csv7RVhPv9oQnibXVFbcF9KMZ9Zu8+OFFkNZXpFsUOUmK/BucmIktcmW2lJqRpqU8m0lMTy7DfduyqnkpE7TQ2b3iVxg4SgTdEuzzMSP6Vudif8VKWbqPD0Ub1v3SXNv5rmlUTqByJf7TFmnPyYn5JzNebES92IMTjD5ma6o2WFdVfqu9OTbV7Ju0G1JA8jNqU3NsZa2ghdmXtPK7zVDy3KdnKY4JZb6wKZ0y5XDnnkolzbi3zzaf77yne8TkJMfN1U/Ei+E6nxVsmfS9SdcmPEmVowSkC3W72c7rasrvYqUdK++M8z1cSvkyLZifLSguvToutAD+FSdRC0hc0Jhp7CeO3UvPzUWcKCrTjOK58iyI5CR3KbPfNqro7b72qcTIWN6g1/le+/ovKf7LWYfp7+PGLo7zFB6++H/m4jG8K/MlbsBctjOUbJysQ8kyfsbYgjfXYnAtramopzbx3UhjdDiNs2yB9k6KNtSSmdcThkLMyarOLxLpz0nGd0GeZAuM6cC0NlP+NTMgWbmfPA/gmOB0rW6Mz3kt5Y+NT/PhMt8xgxKLeUrFTTvzC2CZqr/8wpxLq0bxiZcUbaz/sslb4v1J0DGlVKd20+fer2wV1phcrWjh1DK2LGVl5aA8JZMsJb/c0pvdfnf1P3py9zZZ+wg3bnBiCmyrezl5Vy5cFygAQYcSogTMahELgiY6FQvYUkRX/GWykA4f6BMj3/PtbR3WwRjnKR+rqprTSjeaa2xa5LIrxTZt41jOutZmHXWTzUqXvtqm1ZGGdXN8ZRqjPzSVAxzI2J2UBAyKNAjxYET3eFZL6zWpqGzf2bNnpwwlwbE1qCIn+y+7+nNnNQBHCSbkX4zNO7ftxLvT+tG0/SYvgjx3RpHJosizhPS17YKSsmNbUu90ivFU1n8tm+BIsw80J3UVbBWai/eY2ykvDs3+VxrPuC2chc9u2jXeGtvYpzaTY7D1uHAzC5v36Tk6zk/SjNP1dswax+ONoVTztUG2xqmtLmdLZHaDiaWZLfOLQF1Ba0tp/9F3UPeF1pvaph6NVs/ZnpWxntRhY7RpfY3+2+YXNo4Vasy4roezgm1SSenh6fpeOudTUlybbSL5JeeO+v2xZOxs51xYaackX5uG5EvBij5WVrkilbhKt1709rXWtkVpRyd9GnP01TNJZHslAAnss/0vLtJmv2XLIZkcHsd0wd5mK8nW0yraoJ7U9s/XfwqNAydlNE8KnpO96C2SMZftzLkxPRu2Hds/VUKFHOjrP6utKb+prrp8L6Wsw/jFD7W/17JN/pHUj1v2k8aW4/glC79sEX6PoY2RhsjjAR2y2d6nZXN8TqBSUFT6k4wz4WYxD6C5S7mhaPEpAF3rP9+WhFKRs/4qocLaQ73Mc+IOmsYCkZCK7F9QXHpq2DFrqyr+1T2fLLnCP9mK5WwiELbC0+p9+oQpM/xxNqWaHTAXaRMFID3LhcameDb7TgcKQJA7i1eOR+MEoZa/V7YchwlTlte1at7lLVD8hQ30XscoK7vZoLXA38fHHmyLvfIiV0p/JvCIFZ3RFvtmF11puHjSc3K7qRjgRVKARUmE7uGdnCU0aVB0B6FRthSHtPCNlFRS/GfFR18vCVMyMr2bGnix3F/b9PGOPbf+pzNbQZJ1iJ93Wjvx7qR+NOOFJi+GpBKVmSyKHEtIJR8z+ur7JhfP2ieb+noK8bF+RQkrYlyhNv7TlvVd4fTv/TXHXNwY2oClmtv1ujAnjqR2L3wJTVhxsSSVYkQnwHo8xveClWS11eV/CXtZ5yWWmfra4rnvxa0xWRHIbSqsDbI1jrTtQmo7t3pZvjOZPT8ZYqn2gL+Y+p60ImamxxeDX15xSJKKa21bTFduDGX9vIYoJZ+lRfL/jS86ZnBY30vn/EDAteEMohexNU+ql5ym2yorKKQtDwywTEy3sHiOLRo5FMX2ML/RX1zQ2d+TSfbbiIzdrLVt8/qx8nRmffW8Grefq/yEti3yr4/k7EzmSeE6CvEXKP86H1a054rrb9pxvWbuC/ziZ/SIvpNE6pS4aalbWMHZcddom/JCvK0eC7o+nru7rXVeE8aVzNg55ThfXHY09Z+3kNSKrdu+pEGWYz/7M+HSMyGF4rAK/wvoITPyAlBK+BSA+jw2lfWfNn/isBE1xm6dUAq1L5evD7LOTjEoXz+xpHRGumN2q5WUUu8Y8xCfBSBdjx8XFJe9QfK+J7/otLr6rfCkZVl/ja+J2P2XNh0X8LN897vWHdpzPTbrw67A3+jse4gYgKDTFq8Ti0tpci6ndqV4NN2VsPh4Mbupshuf58e11SW0eGqbU6QJCe/osObPjrvjX1u739QxsZInuhOLyr5Lo06FaHZz2jev3yZ2BU4kVuDBR9nqXG9B2isWaeCseVkpQwqKSw9xFTqKFcUv04TvH00i7xIvZou2jJI/8U9j1V0LFixo6sx2wHWkCQlbh/woeWLjuLyqrtCe3X7UiTH2f1Th0zJdaHqT/bJMz5MTKSg3YHn8LfgAW9hPTZlyeNGiRc9lFAyeFeJKOxwrzGurKtp1gsztjO4zu8MeGfB1U1MkUtHV+jC7SdXLiO7B6E8MQ1c4K5dmth6fWDLzd9THfF/Z4nv1iyqoT6ww21fcgoOt5q6oZde6pIWrs2grTanEWVTJyksncy1bh4gtDYcISx1EfeckamOF5uKUzvOWkN72n/TtdVofdyD9q5+xIHk2tVIgNIZrIjZVLDp4Hu0osO+NXxviOKGsu3jhrpUzr1ucQLfV2kXzeKGeiG0Z4ObrGxKoTr9eliJmYXfFiWEabTqg0VKXZtTPVc1/a1Jx2Vx6Jo42nhFWnp7MFqHGT9gKqtjXErRHL5P4f75nq6r8VswuQUtoI8t06lrFU9KfIT5AS6ECE0lmGwfQm1c+mSJAiO8l5fiiYx6mfvZ33N9mqzTjeH8FJWXvsWu/OY8Niv23rKbcVCpygZ8LN/modPpVLZQC/y0omnkiTX7KtXnPO878UMkXlaXYcyKeSGSYNF+SBh+zG6FW6N2jZVhXSyFZGbqPdrEP1dcgHVrT5PjGiTURu//SXHTXoOHmfw07cKzlD1p6XHY9jtmJOIm+VZHnCjyhM19MQAEIOnHxWsEd5mO4Ep1PwEDvDHaZxBXqqucphXqoLRdQ0rYrlWXdqI2Ah7VJgg2lLvQPrP6YWMkL8XIOan8PlTxDGwCvnFwy42G2POG3pDHbSRDSrOyNOHFysrOGUtaZrBkyF82Tikt/OXpEvzve+XBjiZOoQYlx2q8aZST2t1xoC2wdElOR04Vf6d3myT/avx8tf3hiyVGvLKt6ek3286LMYAUFTYZ/TvdbX9COarB6/Jva+PRM2rijEJe+lUmHvFzgRCB0rCOTt8uqVM9RrrJTn21vf7m191ZT8dc8s5RZx2zlOIONPXe5pb56/qeB7ctVZt1GC5+T28rdtG7B4195C8nEYtJJcmNbBbZkJYzcsS7EPb2uumJVQXEZW1wf1NwtKl+WSGXHnk1XB1cBdM30guLqq2gXVwm/m9cAI4lDUt/rLWQfDn0u/UrAtG6r8SQ3E4pnFkWUfaiSRmxBKTZHhP0UK7biStrtCV4sUX9zSF02Y6ol/yBsFVcAplSeRmXsCRoTfhvSW9Yvr84w/h8AOUJEyidspc4y2jJn/17CXSkbYNRWF7+Qoj9ZIPSM2W4cwOBEILa6KEVVkjwUEgk+ikr/JqXF1r3rs1OasXJOnqPPY2lf/8vUEq+uuvxV6qMfc7LXS3U5ffaNbTzWTSyeeQnt4QDzJQ+NP2xdrFu17ZDJMbsLManesbQJnS38FoCuRaDSx87J7p8Of7keaIUXXxPRszE7RUhrdgNusQJQTwASQNwV+PzOuodQAAIAAgd66hLnd+fzDAgm3ypqF1XWF5SUfUL9/VBvU3+752AOzt/iwNNerArdfD0pJlYQjVJdmqckB3we5N3LXraKcNy7I3nQkf4ssFyiLJt6FRYevWtMNp0Q8NUAJeQfV3y06Qop5eCAsfjx2lef+TgnFpNB1iE5mvwjHS1Q/mWvsKmZ90ea9LIyV7eanBbLG8QuPmembi+FeTHZbB3rtATb7hAFYCwmXrGsoLVKF3T/Fa5VI7XbN1TApNad1TVmrQD0FLifhrYvWrRNmzbtCTr21vY8t2wyIUohH1RChYUe+DjzJEPsEiyupbb9LO31DlORmG3fa163ZiWgui8Tt1XGc0utwZQktK1mPi4vnPdSQfHMRdRWdjMtXIPGBFrwv0WLtr1D5g0AdCk27Khe6PuVnKuUeivc26o8VU9L7V79TB/zA8f4kul7x4LiSbvhHhZY0rprafXcNwP7yZqKV2bPnl343nsbBmU3uKtyYWkKQJrH0rxzrwys/xJEpH1ZTMjNy0IyXi+rnndz4By715bf5m3tzRnuhwVcs25u/SfEtkjPFb1jjUp42jPqM0dyPHDPcpVfyJlJQXZii7glC8t9yZzGHH31FfTnimyPz4YMds/YQOrfUyrowqzwHItRZf2V/oaN98KO2bu15hoZrseO4l33crBo/jK6rKwnx6TsjHsIBSAAIHCgt7td/D/fec5Ilx25BShhi2d87gy24qQHLVYAykhkpuPE0XyEJzNxlXcsHYvL2HJQi5WljigoKb2d9nd2QM1HTpwycyy7VWRSLzvadJoIz3zJDA755Z9zqin4rUNyPvlHZxNp/PScWN6gMcYi4Ee0aLaksD9qvo5WQ13VvN8KbybuKMJt1V+bGX3CCvMOqfTWWI3YIcJKgzxfk7esuV31Pigh6dqpIAXgh+2lYG9v5V+25Nnb5jRYPVghlxTfVEn1XLb7Y2sQXoSu/GjjOXR9OanTAOOiP9mSMCWsBCwoKdvWKNRL6EE6qZtX6vyILVcFuPwGrdoep3t9WfC8AYCuhadcOKqlv08KD+TFATSzYcdU5EKhe1NI8V/Rs+eRnqV3WjzF0SdZzUdiPV5ospqareEdd2A10tcoeuxCAAAgAElEQVRtp7HE8146nZrtdVm+YMGmguLSK+hE70saf7q59R/z9qtPbqRxba1m8NDjvTWb9qC/744/YDqHzUiKK+4l43i3LY5v5zXdq2zHOi9lOIhUVnhpQm2wl0irEoGYrsc0r7iQ6sJWo7vRp99YjeuvX1neeUk2kQQEAJAY6EVzwN9t6uumF7rreUql/tE+PaqhNJWiVYlAqJ6+t1PSUo9ksaB9kN9EGivjc8L6fSlFWcbVkn6LLyUUm1T8L8VA6GSn5nhjudQW3Ay4Mh74vUsk/+hM2Pqmh93wLXMSR5Oa0/WMpTQDvt6LEenef1cRrs3exDOig1xBOEEP1cnMivtB/cK5r3fZG2EmAmme0FZtL23Riz1ZETyxlc+2ZJ+8CK2trritSeXtRa3TN0aExyPMoC+uKn/cXDCDjmNpTXl1Rso/VirYKsi9Mev4fwB0B5x+S/ky4sbjACbghEk0mJ9izPp+l6nyr+Xzkac2W0qkmLNlllCkxf16dcU/HEVnBx4zp7CFLxOwbbtxAPOi1tjg+YkqbIvDFpSUXkzt7Tv0z5OEuCalHivgmKGxNSMRywzP0RoFYJLrcTSiXlKcWd6SUzgRWavDQ7V2uYruDQBgDvQcoN9dOHfP82zovfX2dlmXR9UzQs+apsTkSQeXDWzFLif4BtgmlZXVlCVjZ6fIdmsOlBkpAJuTfyTYFm3MOyVo0RxX/LU8O3VHKFPsP7g6la6T/KMzYcWLJSy2mvxfyoIcI7K5cc0wGmaHWhdLYRttT87tyvfAjonAfkC1IP5fV0YJGRTGQdki8lxr9suxqepqyk/jvovaCitbl9SGxCME3YulNeXsev2x0dDqocAF2zELjC52mv4pTzad64tJK8V7Y4b365D47jQGhPovd4AlHh1CXaDPG7cH67/m+2xkAo67/So5NvheiVYrAAuKZh5J+7/B+zh8Ukn1oanbR9Ixrw5bE+0zvO9/jYljixWA7HpMf3TX4y+XLCx/b1lV5aK6hfPqcuH2QQEI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\" style=\"height:202.5pt;width:480pt\"/></div></div></div><div class=\"ps22155 ss8\"><div class=\"ss125 ws0 ps22154\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:231pt\"></td><td style=\"padding:0;width:12pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:231pt\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#303849;border-bottom:0.25pt solid #b1afa8;border-top:0.25pt solid #b1afa8;padding:0\"></td><td style=\"border-bottom:0.25pt solid #b1afa8;border-top:0.25pt solid #b1afa8;padding:0\"><div class=\"ps22152 ss2273\"><div><div class=\"ps22151 ss1467\"><span class=\"f charStyle-6fb37d81 ps7\">99% one-day VaR<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#dbb381;border-bottom:0.25pt solid #b1afa8;border-top:0.25pt solid #b1afa8;padding:0\"></td><td style=\"border-bottom:0.25pt solid #b1afa8;border-top:0.25pt solid #b1afa8;padding:0\"><div class=\"ps22153 ss2273\"><div><div class=\"ps22151 ss1467\"><span class=\"f charStyle-6fb37d81 ps7\">Clean P/L<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps181 ss8\"><div class=\"ss669 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:20.25pt\"></td><td style=\"padding:0;width:213pt\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss1214\"><div><div class=\"ps28 ss92\"><div class=\"ps21918\"><div class=\"ps19\"><img alt=\"Unaudited_information.svg\" id=\"i-214\" src=\"data:image/svg+xml;base64,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\" style=\"height:15.59pt;width:17.97pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps387 ss2339\"><div><div class=\"ps18250 ss696\"><span class=\"f charStyle-b9f48ea1 ps7\">Clean profit and loss histogram<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps18379 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The histogram below illustrates the distribution of clean profit and loss during the financial year for our trading businesses. The </span></div><div class=\"ps22125 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">graph shows that a clean profit was realised on </span><span class=\"f charStyle-33e1c6d6 ps22156\">193<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps22157\"> days out of a total of </span><span class=\"f charStyle-33e1c6d6 ps22158\">253</span><span class=\"f charStyle-33e1c6d6 ps22159\"> days in the trading business. The average daily clean </span></div><div class=\"ps22126 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">profit and loss generated for the </span><span class=\"f charStyle-33e1c6d6 ps22160\">year to</span><span class=\"f charStyle-33e1c6d6 ps22161\"> </span><span class=\"f charStyle-33e1c6d6 ps22162\">31 March 2026</span><span class=\"f charStyle-33e1c6d6 ps22163\"> was \u00a3</span><span class=\"f charStyle-33e1c6d6 ps22164\">70\u00a0575</span><span class=\"f charStyle-33e1c6d6 ps22165\"> (<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps22166\">31 March 2025</span><span class=\"f charStyle-33e1c6d6 ps22167\">: \u00a3<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps22168\">72\u00a0098</span><span class=\"f charStyle-33e1c6d6 ps22169\">).</span></div><div class=\"ps22170 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Clean profit and loss</span></div><div class=\"ps22171 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-9458d4de ps23\">Frequency: Days in the year<span class=\"f ps2\"> </span></span></div><div class=\"ps22172 ss8\"><div class=\"ps14\"><div class=\"ps19\"><img alt=\"953\" id=\"i-215\" 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style=\"height:165pt;width:480pt\"/></div></div></div><div class=\"ps22175 ss8\"><div class=\"ss67 ws0 ps22174\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:477.75pt\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#303849;border-bottom:0.25pt solid #b1afa8;border-top:0.25pt solid #b1afa8;padding:0\"></td><td style=\"border-bottom:0.25pt solid #b1afa8;border-top:0.25pt solid #b1afa8;padding:0\"><div class=\"ps22152 ss1779\"><div><div class=\"ps22151 ss1718\"><span class=\"f charStyle-6fb37d81 ps7\">Clean profit/(loss) earned per day (\u00a3\u2019million)<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22176 ss8\"><div class=\"ss488 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:20.25pt\"></td><td style=\"padding:0;width:458.25pt\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss1214\"><div><div class=\"ps28 ss92\"><div class=\"ps21918\"><div class=\"ps19\"><img alt=\"Unaudited_information.svg\" id=\"i-217\" src=\"data:image/svg+xml;base64,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\" style=\"height:15.59pt;width:17.97pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><span id=\"i513f95199b8a4c7c9aaebb195669bdab_0-1-1-1-3222700\"></span><div class=\"ps387 ss2342\"><div><div class=\"ps18250 ss2341\"><span class=\"f charStyle-0e78c81e ps7\">Market risk \u2013 derivatives<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22177 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group </span><span class=\"f charStyle-33e1c6d6 ps5264\">enters into various derivative contracts, largely on the back of customer flow. These are used for hedging foreign </span></div><div class=\"ps22178 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">exchange, interest rates, commodity, equity and credit exposures and to a small extent as principal for trading purposes. Traded </span></div><div class=\"ps22179 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">instruments include contract for differences, financial futures, options, swaps and forward rate agreements. </span></div><div class=\"ps22181 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:20.25pt\"></td><td style=\"padding:0;width:460.5pt\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps19 ss2324\"><div><div class=\"ps28 ss92\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Page_references.svg\" id=\"i-218\" src=\"data:image/svg+xml;base64,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\" style=\"height:15.59pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps387 ss2344\"><div><div class=\"ps2632 ss2343\"><span class=\"f charStyle-9458d4de ps7\">Information showing our derivative trading portfolio over the reporting period on the basis of the notional principal and the fair </span></div><div class=\"ps2634 ss2343\"><span class=\"f charStyle-9458d4de ps7\">value of all derivatives can be found on page <span class=\"f ps2\"> </span></span><span class=\"f charStyle-2b0f4fe0 ps22180\"><a class=\"Hyperlink\" href=\"#iccba24ea0cd14a1fbe74568356c33a8e_292\" style=\"z-index:1\">121</a><span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps15007\">.<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_448\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps181 ss8\"><div class=\"ss921 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:20.25pt\"></td><td style=\"padding:0;width:200.25pt\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss1214\"><div><div class=\"ps28 ss92\"><div class=\"ps21918\"><div class=\"ps19\"><img alt=\"Unaudited_information.svg\" id=\"i-219\" src=\"data:image/svg+xml;base64,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\" style=\"height:15.59pt;width:17.98pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps387 ss1013\"><div><div class=\"ps18378 ss969\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps7\">60</span><span class=\"f charStyle-f6a3ab10 ps4299\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15046\">Balance sheet risk<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22183 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Overview<span class=\"f ps2\"> </span></span></div><div class=\"ps22184 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The balance sheet risk framework continually ensures that a <span class=\"f ps2\"> </span></span></div><div class=\"ps22185 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">comprehensive approach is taken to the management and <span class=\"f ps2\"> </span></span></div><div class=\"ps22186 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">mitigation of liquidity, funding and IRRBB risks, while ensuring <span class=\"f ps2\"> </span></span></div><div class=\"ps22187 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">adherence to regulatory requirements and internal risk appetite <span class=\"f ps2\"> </span></span></div><div class=\"ps22188 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and policies.<span class=\"f ps2\"> </span></span></div><div class=\"ps22189 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Risk management<span class=\"f ps2\"> </span></span></div><div class=\"ps22191 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec plc (and its subsidiaries, including IBP) <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps22190\">are ring-fenced <span class=\"f ps2\"> </span></span></div><div class=\"ps22192 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">from Investec Limited (and its subsidiaries), and vice versa. <span class=\"f ps2\"> </span></span></div><div class=\"ps22193 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Both legal entities (and their subsidiaries) are therefore required <span class=\"f ps2\"> </span></span></div><div class=\"ps22194 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">to be self-funded, and manage their funding, liquidity and IRRBB <span class=\"f ps2\"> </span></span></div><div class=\"ps22196 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">risk as separate entities.<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps22195\"> <span class=\"f ps2\"> </span></span></div><div class=\"ps22197 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Each banking entity must have its own Board-approved balance <span class=\"f ps2\"> </span></span></div><div class=\"ps22198 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sheet risk management policies. Risk appetite limits are set at <span class=\"f ps2\"> </span></span></div><div class=\"ps22199 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the relevant Board level and reviewed at least on an annual <span class=\"f ps2\"> </span></span></div><div class=\"ps22200 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">basis. The size, materiality, complexity, maturity and depth of <span class=\"f ps2\"> </span></span></div><div class=\"ps22201 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the market as well as access to stable funds are all inputs <span class=\"f ps2\"> </span></span></div><div class=\"ps22202 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">considered when establishing the risk appetite for each relevant <span class=\"f ps2\"> </span></span></div><div class=\"ps22203 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">region. Specific regulatory requirements may further dictate <span class=\"f ps2\"> </span></span></div><div class=\"ps7692 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">additional restrictions to be adopted in a region.<span class=\"f ps2\"> </span></span></div><div class=\"ps22204 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Under delegated authority of the respective Boards, the Group <span class=\"f ps2\"> </span></span></div><div class=\"ps7694 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">has established ALCOs within each banking entity, using <span class=\"f ps2\"> </span></span></div><div class=\"ps7695 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">regional expertise and local market access as appropriate. The <span class=\"f ps2\"> </span></span></div><div class=\"ps22205 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">ALCOs are mandated to ensure independent oversight of <span class=\"f ps2\"> </span></span></div><div class=\"ps22206 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">liquidity risk and IRRBB.<span class=\"f ps2\"> </span></span></div><div class=\"ps22207 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">ALCOs assess balance sheet exposures and market conditions <span class=\"f ps2\"> </span></span></div><div class=\"ps22208 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">to develop strategies for risk mitigation. The Treasury function <span class=\"f ps2\"> </span></span></div><div class=\"ps22209 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">within each banking entity is mandated to holistically manage <span class=\"f ps2\"> </span></span></div><div class=\"ps22210 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the risk on a day-to-day basis.<span class=\"f ps2\"> </span></span></div><div class=\"ps22211 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Treasury function, by banking entity, is required to exercise <span class=\"f ps2\"> </span></span></div><div class=\"ps22212 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">tight control of all balance sheet risks (liquidity, funding, <span class=\"f ps2\"> </span></span></div><div class=\"ps22213 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">concentration, encumbrance and IRRBB) within the Board-<span class=\"f ps2\"> </span></span></div><div class=\"ps22214 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">approved risk appetite limits. IRRBB and asset funding <span class=\"f ps2\"> </span></span></div><div class=\"ps22215 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">requirements are transferred from the originating business to <span class=\"f ps2\"> </span></span></div><div class=\"ps22216 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the Treasury function.<span class=\"f ps2\"> </span></span></div><div class=\"ps22217 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Treasury function, by banking entity, directs pricing for all <span class=\"f ps2\"> </span></span></div><div class=\"ps22218 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">deposit products, establishes and maintains access to stable <span class=\"f ps2\"> </span></span></div><div class=\"ps22219 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">funds with the appropriate tenor and pricing characteristics, and <span class=\"f ps2\"> </span></span></div><div class=\"ps22220 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">manages liquid securities and collateral.<span class=\"f ps2\"> </span></span></div><div class=\"ps22221 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Balance sheet risk management is based within Group risk <span class=\"f ps2\"> </span></span></div><div class=\"ps22222 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">management and is responsible for identifying, quantifying, </span></div><div class=\"ps17118 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">monitoring and communicating risks while providing </span></div><div class=\"ps17119 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">independent oversight of the treasury activities and </span></div><div class=\"ps22224 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">guaranteeing the adherence to the Group\u2019s <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps22223\">policies.<span class=\"f ps2\"> </span></span></div><div class=\"ps22225 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps23\">Daily, weekly and monthly reports are independently produced <span class=\"f ps2\"> </span></span></div><div class=\"ps22226 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps23\">highlighting Group activity, exposures and key measures against <span class=\"f ps2\"> </span></span></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps74\">thresholds and limits and are distributed to management, ALCO, <span class=\"f ps2\"> </span></span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps74\">Treasury,<span class=\"f ps2\"> </span></span><span class=\"f charStyle-c8d875d6 ps22227\"> </span><span class=\"f charStyle-c8d875d6 ps22228\">IBP Review ERRF,<span class=\"f ps2\"> </span></span><span class=\"f charStyle-c8d875d6 ps22229\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-c8d875d6 ps22230\">IBP ERC</span><span class=\"f charStyle-c8d875d6 ps22231\">, </span><span class=\"f charStyle-c8d875d6 ps22232\">IBP BRCC<span class=\"f ps2\"> </span></span><span class=\"f charStyle-c8d875d6 ps22233\">, and DLC BRCC </span></div><div class=\"ps701 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps74\">as well as summarised reports for Board meetings.<span class=\"f ps2\"> </span></span></div><div class=\"ps6025 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">There is a regular internal audit of the processes and policies <span class=\"f ps2\"> </span></span></div><div class=\"ps705 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">within the balance sheet risk management function, the <span class=\"f ps2\"> </span></span></div><div class=\"ps706 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">frequency of which is determined by internal audit.<span class=\"f ps2\"> </span></span></div><div class=\"ps22234 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps74\">Liquidity risk<span class=\"f ps2\"> </span><span id=\"i4298e21e46a84636ae4baccaf7cfb863_4115\"></span></span></div><div class=\"ps10632 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps74\">Overview</span></div><div class=\"ps22235 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Cohesive liquidity management is vital for\u00a0protecting our </span></div><div class=\"ps22236 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">depositors, preserving market confidence, safeguarding our </span></div><div class=\"ps10724 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">reputation and ensuring sustainable growth with established </span></div><div class=\"ps21588 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">funding sources. Through active liquidity management, </span></div><div class=\"ps21590 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">we\u00a0seek\u00a0to preserve stable, reliable and cost-effective </span></div><div class=\"ps22237 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">sources\u00a0of funding. </span></div><div class=\"ps21592 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-05f4b8d8 ps74\">Risk management and measurement</span></div><div class=\"ps22238 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">A suite of internal and regulatory metrics are used on a current <span class=\"f ps2\"> </span></span></div><div class=\"ps22239 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">and forward-looking basis to manage liquidity risk and funding <span class=\"f ps2\"> </span></span></div><div class=\"ps22240 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">risk. Future cash flows are monitored on a contractual, <span class=\"f ps2\"> </span></span></div><div class=\"ps22241 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">business-as-usual and stressed basis. Stress testing is based <span class=\"f ps2\"> </span></span></div><div class=\"ps22242 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">on a range of historical and hypothetical scenarios.<span class=\"f ps2\"> </span></span></div><div class=\"ps10734 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">We also perform reverse stress tests to identify business model </span></div><div class=\"ps22243 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">vulnerabilities, testing \u2018tail risks\u2019 that can be missed in normal </span></div><div class=\"ps22244 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">stress tests.</span></div><div class=\"ps10737 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps74\">Additionally, the Group <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps22245\">maintains a contingency funding plan </span></div><div class=\"ps22246 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">outlining actions to be taken in a liquidity stress. These plans </span></div><div class=\"ps22247 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">ensure the Group can meet cash\u2011flow commitments during </span></div><div class=\"ps22248 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">market disruption or bank\u2011specific events while minimising </span></div><div class=\"ps22249 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">long\u2011term business impacts. </span></div><div class=\"ps10742 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps74\">The plans are tested internally to assess the Group\u2019s readiness </span></div><div class=\"ps22250 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps74\">and ability to adequately contain a liquidity stress.</span></div><div class=\"ps22253 ss8\"><div class=\"ss222 ws0 ps89\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:18.75pt\"></td><td style=\"padding:0;width:216pt\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss2149\"><div><div class=\"ps28 ss740\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Page_references.svg\" id=\"i-220\" src=\"data:image/svg+xml;base64,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\" style=\"height:15.59pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps3212 ss2345\"><div><div class=\"ps472 ss605\"><span class=\"f charStyle-dfebf007 ps7\">Further information on recovery and resolution planning can be </span></div><div class=\"ps5741 ss605\"><span class=\"f charStyle-dfebf007 ps7\">found on page <span class=\"f ps2\"> </span></span><span class=\"f charStyle-2e616cac ps22251\"><a class=\"Hyperlink\" href=\"#iccba24ea0cd14a1fbe74568356c33a8e_454\" style=\"z-index:1\">194</a><span class=\"f ps2\"> </span></span><span class=\"f charStyle-dfebf007 ps22252\">.<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22254 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">To protect against potential shocks, we hold a liquidity buffer in <span class=\"f ps2\"> </span></span></div><div class=\"ps22255 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">the form of cash, unencumbered HQLA (typically in the form of <span class=\"f ps2\"> </span></span></div><div class=\"ps22256 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">government or rated securities eligible for repurchase with the <span class=\"f ps2\"> </span></span></div><div class=\"ps22257 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">central bank). The liquidity buffer is well in excess of regulatory <span class=\"f ps2\"> </span></span></div><div class=\"ps22258 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">requirements as protection against disruptions in cash flows. The <span class=\"f ps2\"> </span></span></div><div class=\"ps22260 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">liquidity buffer is managed within Board-approved targets.<span class=\"f ps2\"> </span></span><span class=\"f charStyle-a7a56500 ps22259\"> The </span></div><div class=\"ps22262 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">Group <span class=\"f ps2\"> </span></span><span class=\"f charStyle-a7a56500 ps22261\">remains a net liquidity provider to the market. We do not </span></div><div class=\"ps22263 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">rely on overnight interbank deposits to fund term lending.</span></div><div class=\"ps22264 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps74\">For non-cash items, prudent market risk limits are in place to </span></div><div class=\"ps22265 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps74\">control the market volatility of securities and the amount of cash </span></div><div class=\"ps22266 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps74\">that can be generated by those securities under a market stress. </span></div><div class=\"ps22269 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps74\">From 1 April 2025 to </span><span class=\"f charStyle-68c7bd0e ps22267\">31 March 2026</span><span class=\"f charStyle-68c7bd0e ps22268\"> average cash and near cash </span></div><div class=\"ps22272 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps74\">balances over the period amounted to \u00a3</span><span class=\"f charStyle-68c7bd0e ps22270\">8.9<span class=\"f ps2\"> </span></span><span class=\"f charStyle-68c7bd0e ps22271\"> billion.</span></div></div><div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Liquidity mismatch<span class=\"f ps2\"> </span></span></div><div class=\"ps10770 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The following tables show the contractual and behavioural <span class=\"f ps2\"> </span></span></div><div class=\"ps10771 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">liquidity gaps.</span></div><div class=\"ps10772 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The contractual liquidity tables </span><span class=\"f charStyle-33e1c6d6 ps22275\">record all assets and liabilities </span></div><div class=\"ps10773 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">with the underlying contractual maturity</span><span class=\"f charStyle-33e1c6d6 ps22276\"> with earlier redemption </span></div><div class=\"ps10774 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">options on capital instruments at the discretion of the Group </span></div><div class=\"ps10775 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reflected based on market expected exercise dates.</span></div><div class=\"ps10776 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For the behavioural liquidity gap, we adjust contractual </span></div><div class=\"ps19165 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">maturities to reflect expected behaviour of assets and liabilities. </span></div><div class=\"ps19166 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Key adjustments include:</span></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps663\">Liquidity buffer:</span><span class=\"f charStyle-33e1c6d6 ps22277\"> </span><span class=\"f charStyle-33e1c6d6 ps22278\">HQLA are assumed to be monetised <span class=\"f ps2\"> </span></span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">immediately in a stress scenario as<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps22279\"> </span><span class=\"f charStyle-33e1c6d6 ps22280\">Central\u2011bank\u2011eligible </span></div><div class=\"ps701 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">regulatory liquid assets are treated as \u2018on demand\u2019</span><span class=\"f charStyle-33e1c6d6 ps22281\">.</span></div><div class=\"ps6025 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps663\">Customer deposits:</span><span class=\"f charStyle-33e1c6d6 ps22282\"> </span><span class=\"f charStyle-33e1c6d6 ps22283\">Behavioural modelling based on </span></div><div class=\"ps705 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">historical observations identifies core deposits that remain </span></div><div class=\"ps706 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">stable beyond their contractual maturities and therefore </span></div><div class=\"ps3314 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">provide structural liquidity.</span></div><div class=\"ps22285 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-ae98c9a5 ps23\">Contractual liquidity at <span id=\"i4298e21e46a84636ae4baccaf7cfb863_4112\"></span></span><span class=\"f charStyle-ae98c9a5 ps22284\">31 March 2026</span></div><div class=\"ps22438 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:120.75pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:42pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:42pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:32.25pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss2347\"><div><div class=\"ps3317 ss2346\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22286 ss2017\"><div><div class=\"ps3317 ss629\"><span class=\"f charStyle-8d4b9b37 ps10316\">Demand<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22287 ss2017\"><div><div class=\"ps3320 ss629\"><span class=\"f charStyle-8d4b9b37 ps14708\">Up to one<span class=\"f ps2\"> </span></span></div><div class=\"ps3317 ss629\"><span class=\"f charStyle-8d4b9b37 ps12137\"> month<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22288 ss2017\"><div><div class=\"ps3319 ss629\"><span class=\"f charStyle-8d4b9b37 ps9441\">One to<span class=\"f ps2\"> </span></span></div><div class=\"ps3320 ss629\"><span class=\"f charStyle-8d4b9b37 ps15598\"> three<span class=\"f ps2\"> </span></span></div><div class=\"ps3317 ss629\"><span class=\"f charStyle-8d4b9b37 ps8585\"> months<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12364 ss2017\"><div><div class=\"ps3320 ss629\"><span class=\"f charStyle-8d4b9b37 ps2337\">Three to six<span class=\"f ps2\"> </span></span></div><div class=\"ps3317 ss629\"><span class=\"f charStyle-8d4b9b37 ps8585\"> months<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps4545 ss2017\"><div><div class=\"ps3319 ss629\"><span class=\"f charStyle-8d4b9b37 ps22289\">Six<span class=\"f ps2\"> </span></span></div><div class=\"ps3320 ss629\"><span class=\"f charStyle-8d4b9b37 ps7305\"> months to<span class=\"f ps2\"> </span></span></div><div class=\"ps3317 ss629\"><span class=\"f charStyle-8d4b9b37 ps22290\"> one year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16938 ss2017\"><div><div class=\"ps3319 ss629\"><span class=\"f charStyle-8d4b9b37 ps22291\">One<span class=\"f ps2\"> </span></span></div><div class=\"ps3320 ss629\"><span class=\"f charStyle-8d4b9b37 ps11806\"> to five<span class=\"f ps2\"> </span></span></div><div class=\"ps3317 ss629\"><span class=\"f charStyle-8d4b9b37 ps3441\"> years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22292 ss522\"><div><div class=\"ps3317 ss281\"><span class=\"f charStyle-8d4b9b37 ps14472\">&gt;Five years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22293 ss522\"><div><div class=\"ps3317 ss281\"><span class=\"f charStyle-a26246ce ps20658\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps362 ss2348\"><div><div class=\"ps997 ss2346\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cash and short-term funds \u2013 <span class=\"f ps2\"> </span></span></div><div class=\"ps2366 ss2346\"><span class=\"f charStyle-2b0f4fe0 ps7\">banks</span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps22294 ss2019\"><div><div class=\"ps2366 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.74pt\"></span></span><span class=\"ps16098\">3\u00a0961<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps22295 ss2019\"><div><div class=\"ps2366 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31pt\"></span></span><span class=\"ps21840\">14<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps22296 ss2019\"><div><div class=\"ps2366 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps22297 ss2019\"><div><div class=\"ps2366 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps22298 ss2019\"><div><div class=\"ps2366 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps22299 ss2019\"><div><div class=\"ps2366 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps22300 ss2349\"><div><div class=\"ps2366 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22301 ss2349\"><div><div class=\"ps2366 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.97pt\"></span></span><span class=\"ps12519\">3\u00a0975<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps6177 ss2350\"><div><div class=\"ps815 ss2346\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment/trading assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22302 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.29pt\"></span></span><span class=\"ps13227\">609<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22303 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.96pt\"></span></span><span class=\"ps6947\">1\u00a0014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22304 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.23pt\"></span></span><span class=\"ps10230\">1\u00a0796<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22305 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.69pt\"></span></span><span class=\"ps9415\">1\u00a0775<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22306 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.88pt\"></span></span><span class=\"ps16105\">377<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22307 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.19pt\"></span></span><span class=\"ps21207\">1\u00a0105<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22308 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.87pt\"></span></span><span class=\"ps16393\">2\u00a0154<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22310 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.46pt\"></span></span><span class=\"ps22309\">8\u00a0830<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8036 ss2350\"><div><div class=\"ps815 ss2346\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securitised assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22311 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22312 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22313 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22314 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22315 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22316 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22317 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22318 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3325 ss2350\"><div><div class=\"ps815 ss2346\"><span class=\"f charStyle-2b0f4fe0 ps7\">Advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22319 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.41pt\"></span></span><span class=\"ps12687\">163<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22320 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.29pt\"></span></span><span class=\"ps13227\">563<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22321 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.63pt\"></span></span><span class=\"ps11160\">780<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22322 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.22pt\"></span></span><span class=\"ps13615\">1\u00a0195<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22324 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.86pt\"></span></span><span class=\"ps22323\">2\u00a0367<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22325 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.59pt\"></span></span><span class=\"ps11823\">9\u00a0020<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22326 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.33pt\"></span></span><span class=\"ps16028\">3\u00a0830<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22327 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.88pt\"></span></span><span class=\"ps12731\">17\u00a0918<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9440 ss2350\"><div><div class=\"ps815 ss2346\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other assets excluded above<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22328 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.89pt\"></span></span><span class=\"ps1616\">29<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22329 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.2pt\"></span></span><span class=\"ps10492\">694<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22330 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.75pt\"></span></span><span class=\"ps13338\">39<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22331 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.47pt\"></span></span><span class=\"ps9900\">17<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22332 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.86pt\"></span></span><span class=\"ps11916\">90<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22333 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.17pt\"></span></span><span class=\"ps14822\">238<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22334 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.87pt\"></span></span><span class=\"ps20223\">170<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22335 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.58pt\"></span></span><span class=\"ps19734\">1\u00a0277<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9447 ss2350\"><div><div class=\"ps815 ss2346\"><span class=\"f charStyle-b7f6e8e5 ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22336 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.62pt\"></span></span><span class=\"ps11096\">4\u00a0762<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22337 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.61pt\"></span></span><span class=\"ps9603\">2\u00a0285<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22338 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.66pt\"></span></span><span class=\"ps10180\">2\u00a0615<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22339 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.75pt\"></span></span><span class=\"ps20022\">2\u00a0987<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22340 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.14pt\"></span></span><span class=\"ps11498\">2\u00a0834<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22341 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.17pt\"></span></span><span class=\"ps18737\">10\u00a0363<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22342 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.3pt\"></span></span><span class=\"ps12729\">6\u00a0154<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps22343 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.69pt\"></span></span><span class=\"ps11639\">32\u00a0000<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9452 ss2350\"><div><div class=\"ps815 ss2346\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deposits \u2013 banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22344 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.3pt\"></span></span><span class=\"ps4233\">(178)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22346 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.15pt\"></span></span><span class=\"ps22345\">(38)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22347 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22348 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22350 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.73pt\"></span></span><span class=\"ps22349\">(3)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16979 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.6pt\"></span></span><span class=\"ps13608\">(684)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22351 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22352 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.56pt\"></span></span><span class=\"ps16069\">(903)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2516 ss2350\"><div><div class=\"ps815 ss2346\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deposits \u2013 non-banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22353 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.73pt\"></span></span><span class=\"ps14936\">(7\u00a0311)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22354 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.27pt\"></span></span><span class=\"ps4137\">(1\u00a0458)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22355 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.4pt\"></span></span><span class=\"ps18847\">(5\u00a0749)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22356 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.26pt\"></span></span><span class=\"ps13571\">(3\u00a0278)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22357 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.1pt\"></span></span><span class=\"ps14445\">(3\u00a0370)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22358 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.12pt\"></span></span><span class=\"ps15784\">(1\u00a0302)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22359 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22360 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.36pt\"></span></span><span class=\"ps18528\">(22\u00a0468)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2517 ss2350\"><div><div class=\"ps815 ss2346\"><span class=\"f charStyle-2b0f4fe0 ps7\">Negotiable paper<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22362 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.1pt\"></span></span><span class=\"ps22361\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22363 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22364 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.73pt\"></span></span><span class=\"ps22349\">(3)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22366 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.75pt\"></span></span><span class=\"ps22365\">(4)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22367 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.27pt\"></span></span><span class=\"ps12613\">(20)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22368 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.25pt\"></span></span><span class=\"ps13508\">(1\u00a0385)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22369 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22370 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.26pt\"></span></span><span class=\"ps10531\">(1\u00a0413)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2522 ss2350\"><div><div class=\"ps815 ss2346\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securitised liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22371 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22372 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22373 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11337 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22374 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22375 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22376 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22377 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2527 ss2350\"><div><div class=\"ps815 ss2346\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment/trading liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22378 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.07pt\"></span></span><span class=\"ps12905\">(278)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22379 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.95pt\"></span></span><span class=\"ps11210\">(565)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22380 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.8pt\"></span></span><span class=\"ps15496\">(373)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11344 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.18pt\"></span></span><span class=\"ps22381\">(49)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22382 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.82pt\"></span></span><span class=\"ps10400\">(132)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22383 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.76pt\"></span></span><span class=\"ps11481\">(75)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22384 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.16pt\"></span></span><span class=\"ps1674\">(32)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22385 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.25pt\"></span></span><span class=\"ps136\">(1\u00a0504)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2532 ss2350\"><div><div class=\"ps815 ss2346\"><span class=\"f charStyle-2b0f4fe0 ps7\">Subordinated liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22386 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22387 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22388 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22389 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22390 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.38pt\"></span></span><span class=\"ps20479\">(50)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22391 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.67pt\"></span></span><span class=\"ps11144\">(350)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22392 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.72pt\"></span></span><span class=\"ps16894\">(298)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22393 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.72pt\"></span></span><span class=\"ps16894\">(698)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2384 ss2350\"><div><div class=\"ps815 ss2346\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other liabilities excluded above<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22394 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">(16)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22395 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.18pt\"></span></span><span class=\"ps13232\">(857)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22396 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.38pt\"></span></span><span class=\"ps20479\">(50)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22397 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.98pt\"></span></span><span class=\"ps11445\">(5)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22398 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.19pt\"></span></span><span class=\"ps11194\">(147)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22400 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.04pt\"></span></span><span class=\"ps22399\">(105)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22401 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.65pt\"></span></span><span class=\"ps14687\">(97)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22402 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.99pt\"></span></span><span class=\"ps12914\">(1\u00a0277)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps2388 ss2350\"><div><div class=\"ps815 ss2346\"><span class=\"f charStyle-b7f6e8e5 ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22403 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.82pt\"></span></span><span class=\"ps14525\">(7\u00a0784)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22404 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.48pt\"></span></span><span class=\"ps14745\">(2\u00a0918)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22405 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.86pt\"></span></span><span class=\"ps10367\">(6\u00a0175)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22406 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14pt\"></span></span><span class=\"ps21100\">(3\u00a0336)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22407 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.93pt\"></span></span><span class=\"ps10152\">(3\u00a0722)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22408 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.05pt\"></span></span><span class=\"ps3965\">(3\u00a0901)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22410 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.24pt\"></span></span><span class=\"ps22409\">(427)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps22412 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.49pt\"></span></span><span class=\"ps22411\">(28\u00a0263)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8644 ss2350\"><div><div class=\"ps815 ss2346\"><span class=\"f charStyle-2b0f4fe0 ps7\">Total equity<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22413 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22414 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22415 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22416 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22417 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22418 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22420 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.48pt\"></span></span><span class=\"ps22419\">(3\u00a0737)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22421 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.48pt\"></span></span><span class=\"ps22419\">(3\u00a0737)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps8645 ss2350\"><div><div class=\"ps815 ss2346\"><span class=\"f charStyle-b7f6e8e5 ps7\">Contractual liquidity gap<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22422 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.23pt\"></span></span><span class=\"ps139\">(3\u00a0022)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22423 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.67pt\"></span></span><span class=\"ps605\">(633)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22425 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.89pt\"></span></span><span class=\"ps22424\">(3\u00a0560)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22426 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.53pt\"></span></span><span class=\"ps21741\">(349)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22427 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.65pt\"></span></span><span class=\"ps20597\">(888)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22428 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.13pt\"></span></span><span class=\"ps13545\">6\u00a0462<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22429 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.1pt\"></span></span><span class=\"ps15059\">1\u00a0990<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps22430 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.06pt\"></span></span><span class=\"ps11782\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps8651 ss2350\"><div><div class=\"ps815 ss2346\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cumulative liquidity gap<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22431 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.89pt\"></span></span><span class=\"ps10327\">(3\u00a0022)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22432 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.14pt\"></span></span><span class=\"ps4921\">(3\u00a0655)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22433 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.75pt\"></span></span><span class=\"ps20022\">(7\u00a0215)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22434 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.4pt\"></span></span><span class=\"ps18847\">(7\u00a0564)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22435 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.04pt\"></span></span><span class=\"ps5464\">(8\u00a0452)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22436 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.26pt\"></span></span><span class=\"ps13506\">(1\u00a0990)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22437 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps22439 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-ae98c9a5 ps23\">Behavioural liquidity at </span><span class=\"f charStyle-ae98c9a5 ps256\">31 March 2026<span class=\"f ps2\"> </span></span></div><div class=\"ps22457 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:120.75pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:42pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:42pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:27.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss2351\"><div><div class=\"ps983 ss2346\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22286 ss2001\"><div><div class=\"ps983 ss629\"><span class=\"f charStyle-8d4b9b37 ps10316\">Demand<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22287 ss2001\"><div><div class=\"ps985 ss629\"><span class=\"f charStyle-8d4b9b37 ps14708\">Up to one<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss629\"><span class=\"f charStyle-8d4b9b37 ps12137\"> month<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22288 ss2001\"><div><div class=\"ps989 ss629\"><span class=\"f charStyle-8d4b9b37 ps9441\">One to<span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss629\"><span class=\"f charStyle-8d4b9b37 ps15598\"> three<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss629\"><span class=\"f charStyle-8d4b9b37 ps8585\"> months<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12364 ss2001\"><div><div class=\"ps985 ss629\"><span class=\"f charStyle-8d4b9b37 ps2337\">Three to six<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss629\"><span class=\"f charStyle-8d4b9b37 ps8585\"> months<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps4545 ss2001\"><div><div class=\"ps989 ss629\"><span class=\"f charStyle-8d4b9b37 ps22289\">Six<span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss629\"><span class=\"f charStyle-8d4b9b37 ps22440\">months to<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss629\"><span class=\"f charStyle-8d4b9b37 ps22290\"> one year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16938 ss2001\"><div><div class=\"ps989 ss629\"><span class=\"f charStyle-8d4b9b37 ps22291\">One<span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss629\"><span class=\"f charStyle-8d4b9b37 ps605\">to five<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss629\"><span class=\"f charStyle-8d4b9b37 ps13232\">years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22292 ss2314\"><div><div class=\"ps983 ss281\"><span class=\"f charStyle-8d4b9b37 ps14472\">&gt;Five years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22293 ss2314\"><div><div class=\"ps983 ss281\"><span class=\"f charStyle-a26246ce ps20658\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps998 ss2352\"><div><div class=\"ps997 ss2346\"><span class=\"f charStyle-b7f6e8e5 ps7\">Behavioural liquidity gap<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22441 ss630\"><div><div class=\"ps997 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.92pt\"></span></span><span class=\"ps14429\">4\u00a0393<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22442 ss630\"><div><div class=\"ps997 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.25pt\"></span></span><span class=\"ps13508\">(1\u00a0172)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22443 ss630\"><div><div class=\"ps997 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.32pt\"></span></span><span class=\"ps19747\">(4\u00a0574)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22444 ss630\"><div><div class=\"ps997 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.23pt\"></span></span><span class=\"ps16438\">(1\u00a0767)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22445 ss630\"><div><div class=\"ps997 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.28pt\"></span></span><span class=\"ps4299\">(1\u00a0032)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22446 ss630\"><div><div class=\"ps997 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.39pt\"></span></span><span class=\"ps14692\">2\u00a0358<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22447 ss2253\"><div><div class=\"ps997 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.67pt\"></span></span><span class=\"ps10423\">1\u00a0794<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22448 ss2253\"><div><div class=\"ps997 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.06pt\"></span></span><span class=\"ps11782\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps1002 ss2350\"><div><div class=\"ps815 ss2346\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cumulative<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22450 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.25pt\"></span></span><span class=\"ps22449\">4\u00a0393<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22451 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.74pt\"></span></span><span class=\"ps16098\">3\u00a0221<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22452 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.12pt\"></span></span><span class=\"ps15784\">(1\u00a0353)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22453 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.12pt\"></span></span><span class=\"ps15784\">(3\u00a0120)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22454 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.28pt\"></span></span><span class=\"ps13559\">(4\u00a0152)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22455 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.52pt\"></span></span><span class=\"ps14223\">(1\u00a0794)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22456 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div></div><div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-ae98c9a5 ps23\">Contractual liquidity at </span><span class=\"f charStyle-ae98c9a5 ps22284\">31 March 2025</span></div><div class=\"ps22607 ss8\"><div class=\"ss47 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:121.5pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td></tr><tr style=\"height:21pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss2354\"><div><div class=\"ps4787 ss2353\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22459 ss1505\"><div><div class=\"ps4787 ss629\"><span class=\"f charStyle-6f1c08a8 ps10316\">Demand<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19048 ss1505\"><div><div class=\"ps22460 ss629\"><span class=\"f charStyle-8d4b9b37 ps14708\">Up to one <span class=\"f ps2\"> </span></span></div><div class=\"ps4787 ss629\"><span class=\"f charStyle-8d4b9b37 ps9601\">month<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps6696 ss1505\"><div><div class=\"ps22460 ss629\"><span class=\"f charStyle-8d4b9b37 ps22461\">One to three<span class=\"f ps2\"> </span></span></div><div class=\"ps4787 ss629\"><span class=\"f charStyle-8d4b9b37 ps22462\">months<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22463 ss1505\"><div><div class=\"ps22460 ss629\"><span class=\"f charStyle-6f1c08a8 ps19234\">Three to<span class=\"f ps2\"> </span></span></div><div class=\"ps4787 ss629\"><span class=\"f charStyle-6f1c08a8 ps21785\">six months<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps810 ss1505\"><div><div class=\"ps22460 ss629\"><span class=\"f charStyle-6f1c08a8 ps21008\">Six months <span class=\"f ps2\"> </span></span></div><div class=\"ps4787 ss629\"><span class=\"f charStyle-6f1c08a8 ps14329\">to one year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3716 ss1505\"><div><div class=\"ps22460 ss629\"><span class=\"f charStyle-6f1c08a8 ps18689\">One to five<span class=\"f ps2\"> </span></span></div><div class=\"ps4787 ss629\"><span class=\"f charStyle-6f1c08a8 ps13232\">years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps426 ss1505\"><div><div class=\"ps22460 ss629\"><span class=\"f charStyle-6f1c08a8 ps12973\">&gt; Five<span class=\"f ps2\"> </span></span></div><div class=\"ps4787 ss629\"><span class=\"f charStyle-6f1c08a8 ps13232\">years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps100 ss1505\"><div><div class=\"ps4787 ss629\"><span class=\"f charStyle-ef17fa27 ps986\">Total<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps471 ss2354\"><div><div class=\"ps815 ss2353\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cash and short-term funds \u2013 <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss2353\"><span class=\"f charStyle-2b0f4fe0 ps7\">banks</span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps22464 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.59pt\"></span></span><span class=\"ps11823\">5\u00a0032<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps22465 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.86pt\"></span></span><span class=\"ps11916\">20<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps22466 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps22467 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps4790 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps22468 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps22469 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22470 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.84pt\"></span></span><span class=\"ps9494\">5\u00a0052<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1002 ss2355\"><div><div class=\"ps815 ss2353\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment/trading assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22471 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.55pt\"></span></span><span class=\"ps21118\">476<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22472 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.18pt\"></span></span><span class=\"ps11273\">923<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22473 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.34pt\"></span></span><span class=\"ps12186\">1\u00a0161<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22474 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.97pt\"></span></span><span class=\"ps13019\">1\u00a0213<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22475 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.31pt\"></span></span><span class=\"ps11167\">289<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22476 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.55pt\"></span></span><span class=\"ps21118\">947<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22478 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.09pt\"></span></span><span class=\"ps22477\">1\u00a0881<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22479 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.61pt\"></span></span><span class=\"ps15456\">6\u00a0890<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1006 ss2355\"><div><div class=\"ps815 ss2353\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securitised assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22480 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22481 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22482 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22483 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22484 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22485 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22486 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22487 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1010 ss2355\"><div><div class=\"ps815 ss2353\"><span class=\"f charStyle-2b0f4fe0 ps7\">Advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22488 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.41pt\"></span></span><span class=\"ps12687\">193<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22489 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.18pt\"></span></span><span class=\"ps11273\">623<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22490 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.4pt\"></span></span><span class=\"ps9248\">650<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22491 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.88pt\"></span></span><span class=\"ps16895\">1\u00a0296<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22492 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.73pt\"></span></span><span class=\"ps15793\">1\u00a0938<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22493 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.84pt\"></span></span><span class=\"ps8441\">8\u00a0901<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22494 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.48pt\"></span></span><span class=\"ps8373\">3\u00a0352<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22495 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.28pt\"></span></span><span class=\"ps4299\">16\u00a0953<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1014 ss2355\"><div><div class=\"ps815 ss2353\"><span class=\"f charStyle-9458d4de ps7\">Other assets excluded above</span><span class=\"f charStyle-70e7a25b ps22496\"><sup>^</sup></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22497 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.34pt\"></span></span><span class=\"ps21048\">4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22498 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.41pt\"></span></span><span class=\"ps11873\">347<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22499 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.1pt\"></span></span><span class=\"ps13361\">37<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22500 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.88pt\"></span></span><span class=\"ps21050\">45<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps4804 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.63pt\"></span></span><span class=\"ps12289\">150<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22502 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.32pt\"></span></span><span class=\"ps22501\">266<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22504 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.85pt\"></span></span><span class=\"ps22503\">80<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22505 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.32pt\"></span></span><span class=\"ps22501\">929<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps1018 ss2355\"><div><div class=\"ps815 ss2353\"><span class=\"f charStyle-b7f6e8e5 ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22506 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.55pt\"></span></span><span class=\"ps9694\">5\u00a0705<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22507 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.6pt\"></span></span><span class=\"ps16074\">1\u00a0913<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22508 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.18pt\"></span></span><span class=\"ps15613\">1\u00a0848<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22509 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.37pt\"></span></span><span class=\"ps15183\">2\u00a0554<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22510 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.25pt\"></span></span><span class=\"ps22449\">2\u00a0377<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22511 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.58pt\"></span></span><span class=\"ps19360\">10\u00a0114<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22512 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.45pt\"></span></span><span class=\"ps16513\">5\u00a0313<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps22513 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.41pt\"></span></span><span class=\"ps9198\">29\u00a0824<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1022 ss2355\"><div><div class=\"ps815 ss2353\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deposits \u2013 banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22514 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.95pt\"></span></span><span class=\"ps20398\">(189)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22515 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22516 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22517 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22519 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.16pt\"></span></span><span class=\"ps22518\">(705)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22520 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.71pt\"></span></span><span class=\"ps8367\">(584)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22521 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22523 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.51pt\"></span></span><span class=\"ps22522\">(1\u00a0478)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12075 ss2355\"><div><div class=\"ps815 ss2353\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deposits \u2013 non-banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22525 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.64pt\"></span></span><span class=\"ps22524\">(7\u00a0192)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22526 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17pt\"></span></span><span class=\"ps11094\">(1\u00a0340)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22527 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.52pt\"></span></span><span class=\"ps15212\">(5\u00a0976)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22528 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.8pt\"></span></span><span class=\"ps13254\">(3\u00a0492)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22529 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.77pt\"></span></span><span class=\"ps14735\">(2\u00a0304)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22530 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.39pt\"></span></span><span class=\"ps12965\">(1\u00a0148)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22531 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.75pt\"></span></span><span class=\"ps22365\">(4)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22532 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.71pt\"></span></span><span class=\"ps6586\">(21\u00a0456)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps341 ss2355\"><div><div class=\"ps815 ss2353\"><span class=\"f charStyle-2b0f4fe0 ps7\">Negotiable paper<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22533 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.87pt\"></span></span><span class=\"ps22043\">(2)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22534 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.1pt\"></span></span><span class=\"ps22361\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps6756 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.39pt\"></span></span><span class=\"ps4226\">(13)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22535 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.88pt\"></span></span><span class=\"ps8418\">(17)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22536 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.17pt\"></span></span><span class=\"ps17520\">(84)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22537 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.62pt\"></span></span><span class=\"ps11401\">(1\u00a0185)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22538 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22539 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.12pt\"></span></span><span class=\"ps15784\">(1\u00a0302)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11712 ss2355\"><div><div class=\"ps815 ss2353\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securitised liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22540 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22541 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22542 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22543 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22544 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22545 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22546 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22547 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps49 ss2355\"><div><div class=\"ps815 ss2353\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment/trading liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22548 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.29pt\"></span></span><span class=\"ps10294\">(98)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22549 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.07pt\"></span></span><span class=\"ps12147\">(125)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22550 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.04pt\"></span></span><span class=\"ps11951\">(43)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22551 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.3pt\"></span></span><span class=\"ps22291\">(26)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22552 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.27pt\"></span></span><span class=\"ps12613\">(53)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22553 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.28pt\"></span></span><span class=\"ps8457\">(88)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22554 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.16pt\"></span></span><span class=\"ps15602\">(36)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22555 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.61pt\"></span></span><span class=\"ps20415\">(469)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11737 ss2355\"><div><div class=\"ps815 ss2353\"><span class=\"f charStyle-2b0f4fe0 ps7\">Subordinated liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22556 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22557 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22558 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22559 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22560 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.41pt\"></span></span><span class=\"ps22062\">(41)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22561 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.84pt\"></span></span><span class=\"ps11148\">(641)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22562 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22563 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.72pt\"></span></span><span class=\"ps11755\">(682)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3338 ss2355\"><div><div class=\"ps815 ss2353\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other liabilities excluded above<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22564 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.49pt\"></span></span><span class=\"ps11222\">(244)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22565 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.19pt\"></span></span><span class=\"ps7426\">(161)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22566 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.3pt\"></span></span><span class=\"ps4233\">(178)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22567 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.76pt\"></span></span><span class=\"ps11481\">(57)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22568 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.72pt\"></span></span><span class=\"ps14106\">(144)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22569 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.7pt\"></span></span><span class=\"ps10490\">(143)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22570 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">(21)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22571 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.6pt\"></span></span><span class=\"ps13608\">(948)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13372 ss2355\"><div><div class=\"ps815 ss2353\"><span class=\"f charStyle-b7f6e8e5 ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22572 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.3pt\"></span></span><span class=\"ps12729\">(7\u00a0725)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22573 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.97pt\"></span></span><span class=\"ps12519\">(1\u00a0627)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22574 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.27pt\"></span></span><span class=\"ps13179\">(6\u00a0210)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22575 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.33pt\"></span></span><span class=\"ps128\">(3\u00a0592)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22576 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.28pt\"></span></span><span class=\"ps4299\">(3\u00a0331)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22577 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.47pt\"></span></span><span class=\"ps17225\">(3\u00a0789)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22578 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.88pt\"></span></span><span class=\"ps14988\">(61)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps22580 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.39pt\"></span></span><span class=\"ps22579\">(26\u00a0335)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13378 ss2355\"><div><div class=\"ps815 ss2353\"><span class=\"f charStyle-2b0f4fe0 ps7\">Total equity<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22581 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22582 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22583 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22584 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22585 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22586 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22588 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.79pt\"></span></span><span class=\"ps22587\">(3\u00a0489)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22589 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.79pt\"></span></span><span class=\"ps22587\">(3\u00a0489)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13383 ss2355\"><div><div class=\"ps815 ss2353\"><span class=\"f charStyle-b7f6e8e5 ps7\">Contractual liquidity gap<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22590 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.01pt\"></span></span><span class=\"ps19234\">(2\u00a0020)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22591 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.94pt\"></span></span><span class=\"ps10215\">286<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22592 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.08pt\"></span></span><span class=\"ps16931\">(4\u00a0362)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22593 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.05pt\"></span></span><span class=\"ps3965\">(1\u00a0038)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22594 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.64pt\"></span></span><span class=\"ps19363\">(954)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22595 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.39pt\"></span></span><span class=\"ps14692\">6\u00a0325<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22596 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.81pt\"></span></span><span class=\"ps1618\">1\u00a0763<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps22597 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.06pt\"></span></span><span class=\"ps9314\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22598 ss2355\"><div><div class=\"ps815 ss2353\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cumulative liquidity gap<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22599 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16pt\"></span></span><span class=\"ps339\">(2\u00a0020)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22600 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.38pt\"></span></span><span class=\"ps21134\">(1\u00a0734)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22602 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.03pt\"></span></span><span class=\"ps22601\">(6\u00a0096)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22603 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.38pt\"></span></span><span class=\"ps21134\">(7\u00a0134)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22604 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16pt\"></span></span><span class=\"ps339\">(8\u00a0088)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22605 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.5pt\"></span></span><span class=\"ps14955\">(1\u00a0763)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22606 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps22608 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">\u2018Other assets excluded above\u2019 have been restated to include \u00a355 million of Goodwill within the \u2018&gt; five years\u2019 contractual maturity category, which was previously </span></span></div><div class=\"ps22609 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">reported within \u2018Demand\u2019.</span></div><div class=\"ps22611 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-ae98c9a5 ps23\">Behavioural liquidity at </span><span class=\"f charStyle-ae98c9a5 ps256\">31 March 2025</span></div><div class=\"ps22619 ss8\"><div class=\"ss47 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:121.5pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td></tr><tr style=\"height:21pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss2354\"><div><div class=\"ps4787 ss2353\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22459 ss1505\"><div><div class=\"ps4787 ss629\"><span class=\"f charStyle-6f1c08a8 ps10316\">Demand<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19048 ss1505\"><div><div class=\"ps22460 ss629\"><span class=\"f charStyle-8d4b9b37 ps14708\">Up to one<span class=\"f ps2\"> </span></span></div><div class=\"ps4787 ss629\"><span class=\"f charStyle-8d4b9b37 ps9601\">month<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps6696 ss1505\"><div><div class=\"ps22460 ss629\"><span class=\"f charStyle-6f1c08a8 ps22461\">One to three<span class=\"f ps2\"> </span></span></div><div class=\"ps4787 ss629\"><span class=\"f charStyle-6f1c08a8 ps22462\">months<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22463 ss1505\"><div><div class=\"ps22460 ss629\"><span class=\"f charStyle-6f1c08a8 ps19234\">Three to<span class=\"f ps2\"> </span></span></div><div class=\"ps4787 ss629\"><span class=\"f charStyle-6f1c08a8 ps21785\">six months<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps810 ss1505\"><div><div class=\"ps22460 ss629\"><span class=\"f charStyle-6f1c08a8 ps21008\">Six months<span class=\"f ps2\"> </span></span></div><div class=\"ps4787 ss629\"><span class=\"f charStyle-6f1c08a8 ps14329\">to one year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3716 ss1505\"><div><div class=\"ps22460 ss629\"><span class=\"f charStyle-6f1c08a8 ps18689\">One to five<span class=\"f ps2\"> </span></span></div><div class=\"ps4787 ss629\"><span class=\"f charStyle-6f1c08a8 ps13232\">years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps426 ss1505\"><div><div class=\"ps22460 ss629\"><span class=\"f charStyle-6f1c08a8 ps12973\">&gt; Five<span class=\"f ps2\"> </span></span></div><div class=\"ps4787 ss629\"><span class=\"f charStyle-6f1c08a8 ps13232\">years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps100 ss1505\"><div><div class=\"ps4787 ss629\"><span class=\"f charStyle-ef17fa27 ps986\">Total<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps471 ss2355\"><div><div class=\"ps4184 ss2353\"><span class=\"f charStyle-b7f6e8e5 ps7\">Behavioural liquidity gap<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22464 ss1511\"><div><div class=\"ps4184 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.15pt\"></span></span><span class=\"ps13777\">5\u00a0271<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22465 ss1511\"><div><div class=\"ps4184 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.67pt\"></span></span><span class=\"ps605\">(209)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22466 ss1511\"><div><div class=\"ps4184 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.22pt\"></span></span><span class=\"ps21882\">(5\u00a0583)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22467 ss1511\"><div><div class=\"ps4184 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.78pt\"></span></span><span class=\"ps22612\">(2\u00a0060)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps4790 ss1511\"><div><div class=\"ps4184 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.05pt\"></span></span><span class=\"ps3965\">(1\u00a0038)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22468 ss1511\"><div><div class=\"ps4184 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.41pt\"></span></span><span class=\"ps14967\">1\u00a0942<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22469 ss1511\"><div><div class=\"ps4184 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.29pt\"></span></span><span class=\"ps15101\">1\u00a0677<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22470 ss1511\"><div><div class=\"ps4184 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.06pt\"></span></span><span class=\"ps9314\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps1201 ss2355\"><div><div class=\"ps4184 ss2353\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cumulative<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22613 ss1511\"><div><div class=\"ps4184 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.34pt\"></span></span><span class=\"ps15467\">5\u00a0271<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22614 ss1511\"><div><div class=\"ps4184 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.73pt\"></span></span><span class=\"ps14936\">5\u00a0062<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22615 ss1511\"><div><div class=\"ps4184 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.07pt\"></span></span><span class=\"ps12147\">(521)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22616 ss1511\"><div><div class=\"ps4184 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.39pt\"></span></span><span class=\"ps14692\">(2\u00a0581)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps4794 ss1511\"><div><div class=\"ps4184 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.15pt\"></span></span><span class=\"ps15768\">(3\u00a0619)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22617 ss1511\"><div><div class=\"ps4184 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.99pt\"></span></span><span class=\"ps13119\">(1\u00a0677)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22618 ss1511\"><div><div class=\"ps4184 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-05f4b8d8 ps23\">Funding strategy </span></div><div class=\"ps10770 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-ae98c9a5 ps23\">Overview</span></div><div class=\"ps22620 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">We maintain a funding structure of stable customer deposits </span></div><div class=\"ps22621 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and long-term wholesale funding well in excess of funded </span></div><div class=\"ps22622 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">assets. We target a diversified funding base, avoiding undue </span></div><div class=\"ps22623 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">concentrations by investor type, maturity, market source, </span></div><div class=\"ps381 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">instrument and currency.</span></div><div class=\"ps22624 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps23\">We acknowledge the importance of our retail deposit client base </span></div><div class=\"ps22625 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps23\">as the principal source of stable and granular funding. We </span></div><div class=\"ps22626 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps23\">continue to develop products to attract and service the </span></div><div class=\"ps22627 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps23\">investment needs of our client base in line with our risk appetite. </span></div><div class=\"ps22629 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Entities within the Group actively participate </span><span class=\"f charStyle-33e1c6d6 ps22628\">in global financial <span class=\"f ps2\"> </span></span></div><div class=\"ps22630 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">markets and our relationships are continuously enhanced <span class=\"f ps2\"> </span></span></div><div class=\"ps22631 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">through regular investor engagements. Entities are only allowed <span class=\"f ps2\"> </span></span></div><div class=\"ps22633 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">to have funding exposure to <span class=\"f ps2\"> </span></span><span class=\"f charStyle-4ff3ac39 ps22632\">wholesale markets where they can <span class=\"f ps2\"> </span></span></div><div class=\"ps22635 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-4ff3ac39 ps23\">demonstrate that the market is sufficiently <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps22634\">deep and liquid, and <span class=\"f ps2\"> </span></span></div><div class=\"ps22636 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">then only relative to the size and complexity of their business <span class=\"f ps2\"> </span></span></div><div class=\"ps22637 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">as part of a diversified funding mix.<span class=\"f ps2\"> </span></span></div><div class=\"ps22638 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group\u2019s <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps18193\">ability to access funding at cost-effective levels is </span></div><div class=\"ps22639 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">influenced by maintaining or improving the entity\u2019s credit rating. </span></div><div class=\"ps22640 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">A reduction in credit ratings could have an adverse effect on </span></div><div class=\"ps22641 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the Group\u2019s funding costs, and on access to wholesale term </span></div><div class=\"ps22642 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">funding; however, our diversified funding base places limited </span></div><div class=\"ps22643 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reliance on wholesale funding and protects our ability to raise </span></div><div class=\"ps22644 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sufficient funding under both business as usual and stressed </span></div><div class=\"ps22645 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">market conditions.</span></div><div class=\"ps22646 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Funding continues to be raised through a mix of customer </span></div><div class=\"ps22647 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">liabilities diversified by customer type, currency, channel and </span></div><div class=\"ps22648 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">tenor, avoiding reliance on any particular source and ensuring </span></div><div class=\"ps22649 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">continued access to a wide range of depositors. </span></div><div class=\"ps22650 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Those diversified funding channels have proven to be capable </span></div><div class=\"ps22651 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of raising funding throughout the year to support asset growth </span></div><div class=\"ps22652 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">despite periods of market volatility and increased competition </span></div><div class=\"ps22653 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">for deposits.</span></div><div class=\"ps22654 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">We have limited reliance on wholesale funding but we maintain </span></div><div class=\"ps22655 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">access and presence, using such wholesale issuance to </span></div><div class=\"ps22656 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">strategically diversify our funding base and complement the </span></div><div class=\"ps22657 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">other liability channels by focusing, where appropriate, on tenor </span></div><div class=\"ps22658 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and currency as part of a longer term strategic plan. </span></div><div class=\"ps22659 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Funding consists primarily of customer deposits, with loans and </span></div><div class=\"ps22660 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">advances to customers as a percentage of customer deposits </span></div><div class=\"ps22669 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">at </span><span class=\"f charStyle-33e1c6d6 ps22661\">79.2%<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps22662\"> at </span><span class=\"f charStyle-33e1c6d6 ps22663\">31 March 2026</span><span class=\"f charStyle-33e1c6d6 ps22664\"> (<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps22665\">31 March 2025</span><span class=\"f charStyle-33e1c6d6 ps22666\">: </span><span class=\"f charStyle-33e1c6d6 ps22667\">78.4%</span><span class=\"f charStyle-33e1c6d6 ps22668\">). This </span></div><div class=\"ps22670 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">deposit base is predominantly focused on a highly diversified </span></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">mix of retail customers and a range of products with reliance on </span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">term and notice deposits rather than demand deposits. A new </span></div><div class=\"ps701 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">fixed term ISA product for retail customers was launched in the </span></div><div class=\"ps702 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">year and has since seen strong growth. </span><span class=\"f charStyle-33e1c6d6 ps22671\">Deposits </span><span class=\"f charStyle-48272146 ps22672\">gr</span><span class=\"f charStyle-33e1c6d6 ps22673\">ew by </span><span class=\"f charStyle-33e1c6d6 ps22674\">4.7%</span><span class=\"f charStyle-33e1c6d6 ps22675\"> </span></div><div class=\"ps3313 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">over the year from \u00a3</span><span class=\"f charStyle-33e1c6d6 ps22676\">21.5</span><span class=\"f charStyle-33e1c6d6 ps22677\"> billion to \u00a3</span><span class=\"f charStyle-33e1c6d6 ps22678\">22.5</span><span class=\"f charStyle-33e1c6d6 ps22679\"> billion at </span><span class=\"f charStyle-33e1c6d6 ps22680\">31 March </span></div><div class=\"ps6370 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">2026</span><span class=\"f charStyle-33e1c6d6 ps22681\">. Deposit granularity is a key area of focus and Investec </span></div><div class=\"ps80 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">plc has a substantial portion of eligible deposits that are </span></div><div class=\"ps707 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">covered by FSCS protection. The FSCS is a UK government-</span></div><div class=\"ps710 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">backed scheme designed to provide protection to eligible </span></div><div class=\"ps712 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">customers, to the maximum value of \u00a3120 000, in the event </span></div><div class=\"ps3315 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">that a financial institution is unable to meet its financial </span></div><div class=\"ps3316 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">obligations.</span></div><div class=\"ps6027 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">As at 31 March 2026, the preferred resolution strategy for </span></div><div class=\"ps6028 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Investec in the UK is bail-in with a single point of entry at </span></div><div class=\"ps6029 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Investec plc. The current external requirement is equal to </span></div><div class=\"ps6374 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Investec plc\u2019s minimum capital requirements. IBP, as a material </span></div><div class=\"ps7988 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">subsidiary, has an internal MREL requirement which is also </span></div><div class=\"ps7990 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">currently equal to its minimum capital requirements.</span></div><div class=\"ps6377 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">The MREL transition commenced on 1 January 2026 in a </span></div><div class=\"ps6378 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">phased manner with end-state MREL being applied from 1 </span></div><div class=\"ps6379 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">January 2032. Wholesale issuance during the year in review </span></div><div class=\"ps7995 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">took advantage of market windows to focus on refinancing </span></div><div class=\"ps7996 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">upcoming calls to lengthen term, with the added benefit of </span></div><div class=\"ps7997 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">continuing to diversify the debt capital markets investor base </span></div><div class=\"ps5126 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">and support the MREL transition. Any additional MREL </span></div><div class=\"ps8259 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">requirements will be met over time as part of increasing </span></div><div class=\"ps8260 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">wholesale market issuance from the existing established base </span></div><div class=\"ps8261 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">and we will continue to evaluate issuance opportunities in the </span></div><div class=\"ps6385 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">near term as part of this glide path.</span></div><div class=\"ps8223 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">The UK Bank repaid \u00a30.7 billion of drawings under the BoE </span></div><div class=\"ps8224 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Term Funding Scheme with additional incentives for Small and </span></div><div class=\"ps8225 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Medium Enterprises (TFSME) during the year. As at 31 March </span></div><div class=\"ps8007 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">2026, the UK Bank had minimal remaining drawings </span></div><div class=\"ps8010 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">outstanding.</span></div><div class=\"ps18325 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Looking forward, the focus remains on maintaining a strong </span></div><div class=\"ps8013 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">liquidity position while supporting planned asset growth. </span></div><div class=\"ps8014 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Funding continues to be actively raised, across a diverse </span></div><div class=\"ps18326 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">funding base, in line with a medium- to long-term strategy to </span></div><div class=\"ps8262 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">reduce the overall tenor-adjusted cost of the liability base, </span></div><div class=\"ps8278 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">supported by both Investec plc and Investec Bank plc\u2019s stable </span></div><div class=\"ps8279 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">credit ratings.</span></div><div class=\"ps22685 ss8\"><div class=\"ss1238 ws0 ps356\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:21pt\"></td><td style=\"padding:0;width:207pt\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps19 ss589\"><div><div class=\"ps28 ss588\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Page_references.svg\" id=\"i-221\" src=\"data:image/svg+xml;base64,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\" style=\"height:15.59pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps2752 ss2356\"><div><div class=\"ps22684 ss1974\"><span class=\"f charStyle-9458d4de ps7\">Refer to page </span><span class=\"f charStyle-2b0f4fe0 ps22682\"><a class=\"Hyperlink\" href=\"#iccba24ea0cd14a1fbe74568356c33a8e_115\" style=\"z-index:1\">25</a><span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps22683\"> for further detail on credit ratings.<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22687 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Cash and near cash trend</span></div><div class=\"ps22688 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-9458d4de ps23\">\u00a3\u2019million</span></div><div class=\"ps22689 ss8\"><div class=\"ps14\"><div class=\"ps19\"><img alt=\"2746\" id=\"i-222\" 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T8u4rkdj+n5Rb2GNrBvh13m7+TnxsUXe185rMLom39g/O11yPjsh1NkT3PlAV8fO/uFWPJTxuubuWSH14S/nYg/N/8I+zb+0Tw1xaIguuEYWec9V3k7FWRXrVP2f4usYkGqrXoEfh4YhIhqGqzs049j0AJqob2h4UmHW8UMXy+o13Jy5QFoXOS/gfCGfbsg97KGikObI09xUfwsNPbWvDflzGb3UhOM5x/ryTvhFPSRuLdJu61R7nppaObqxpp7HmiP0yrDoqJPgF8JfFvnMFdoU6Ib4v/xc6w4/19JF2fVs7ibTxa9uUDyYOgaoaHFLiZzwOWpZKkY84tcp2ufH+7XIzBB7kKM6tN+rED66SJtPOJ4vUbpOVw/JHf36WqPvVBTN62WnAqtuJG3gn6H7/DtNx6GvxIMUOVGvDvXI0x1IDdFJD+tQ7y/N27N3xpeD7j6mhxNs5D/fZrM2m4YRqPim3hZ60u2P/QM/Jae9ekwM8ZPRH6ZeOzKjvYp4mu9C3bTVm2N/v9hgMvrGNIxAwwI+TB38soZVFXrbtc340uapnS2ju18kvZ9a3jY0nqg5LzeyMptxseku/QI/fqSHcKwX4pQNuqC92JctSHy+0nlLDwt5xS/msmzGpv/v9/+AEO8UZ92Zf9R/FoY4FR5ooflUp5b5N9bPWKYntH4jFC9UIdIwHPVS0ZyGGg64MKdwcYQf5wtz8b2ROK96jM3Y4rTtdTP19yF7PuM3Q5zGpG1YtNfERqmcBT+fHuvr0tQoKvBpHrIZbOpmHWc0R97NiWVveeHi1yXeq+2tjgm92IxN0tO/t9L763KpY72+1zQEUQW+5FDnDdiEVfWW5+SsUP6UDVnH+k5+vn03m7Sk8X78ONqPBeo4dUaR7b+PHzt0jnxDxjlx3WOOvcrTfDoaN6+7iaouT0iFJtHWXZdDM96b1Q1YT7/9ki+Axaaqv4YdaOz9N0Px3nqd/Oc/Ust1EtQv5z2aS0ldfYf7FzYPzci+cNUXc3ruwkKvitcSy/7Pf+6Uanskm7HF6DvmwdSybl7oSOZGhb8vMnKzRYg3LtB87fxCV4WLezKOH+p9PM0vykp9VlTUSPes0InOJqFhDr8CzZe0OZv/v9/zo0McSpil8NCFwk24O/0YfUxGW93A+4WvM2lwxknmUZ6vu1KFjOBFDDT4xE/2B+TkaVk/1vdIFSnu9u+urKGbaq/hn61S259tv3gu8uPKhWHRzgYqYmt44ZCMa5ehfq6cnvvzWv886eJu3cBcbs3xHc+HerImezvqBnhfL14k6TPx2xCfRCkLva2udXqm2m7n53l7sZkXoYdY3Jha1ss/A6+lrkG076fnL+QpqtWlfV7TP+yX8dqJOdfwemjDchnX+m24ri+Lbvhc5d81Z/sx+U/NuH7XkPaVvgobhB57laeTft1pyXsog04qb/IPtsZ9J3vireknKTphVS+Mwz2uCNlzXqB8OrF82S+IVZj4S5G2aqdefj/z7a5eGyrWneMnlFkTdj/q7X7m772fTb4IDR18wPd9FSPUY0JzT13gryV7quhkXnPyDPdtPsUv4rYKDT2UsGSp6HOWfwdd6ycev/SLrCsT7eZ58eH73k7/vY4XJl5hMy4WnbyoAD425/Uv/UJMT7fd0D8XE/04oukGVCx6LsQnFWqo6Kep95/vf2N0iEWnSb4ePdBJw0q3JwX/KdjpGH2wn5DrJs00Pwbo+LG/n+A/5e11jBjpJ/b6zGiy7Dl+8XyuX5z9NuNCWTf/VHT6yHMy3I9TyWPHVP+8aT6Z2X4hPoUU/Ye2l54s/Cvf1/UEPQ3T1DxIR/p+/YfUhbSO/Xqow+n+2bjEt+/gEHvnnxMa9/6b4sWMw/277e9s9iZb6NtX30vtMy6Utc+P8Nf04AXdHNdTcvuHeHMi3ZPvOf/eOtmLH3exiXO18cJCgaYH2tm/76f6MTz5EL7CU4w13PNU398L+VAPmORTv3/lnw0dN04JcahbH1/HspwD555j/cS/l9RTcgUvVswPjTsDTPBryd95EUPH/T19O6N6bvXrFp0Pr+7fPTqWH+SfFx37R6Xeo+OLbv4N8++r73rONa3HPWzSslzh19YH+PH8vSJtH/ZjzkX+HTXLzxPOCXU2l14eCnuVd6h/eIt9YMf6RbAuHH6TWH6kn+AUnki1wHfoY9msS+TkUkPYfu8HymJPFJ7vB9UbQ8Ojyxf6xdvbofGTwZLrH+Nf3rrA4Ml62Q70E5izUxevOjB+nFj2uefgev9yDv65UDfrl9iMLULFB83ddnRo6BGmnjEa9pTuNXF0aJjc+RA/0OqC4H9CvGGB5h8/5obiwzHH+kWt2v7cjxP7eDHqF95msi97IvXez70IcrJfKOhCTDckdvH8UdhryINu0PwoNPTQk8+8GHRqqv3xnjf9TPYGu8eLQul5xE735Y+mLhoGp9p95OcKl/pF4eVh0Se8L610DNe8baf5Nr8i8ZoKsT8MjW9IJAsSX/pF8pDEui5OHGsKjvIL8Cu9oNSbzd4s0/w8dkzGedP3PHfnhdiLTGb4ceeqnPVd499dN3xVLtZaiIqlo1PLnvf9XNca6Xm+Z/rxYXTqfXP8O++S1HnbDn48Sj7M6Vk/n5vN5l+EihMd/XtlaGJfV9F0SqqQsakfp0/2Ze+EWBS8gc1YNTpu7O7H4fM8CtfqKuidkPEenaOpN3/yptAdfo6xkE1aljf9XGq3UHy0nfzTjzXqMFJ46vBcP286j02J5tDQj24l2qjC3zM0PHb5x/4BX99fU6+kASF7vqrCezuzqXO19m2Unl+qrS9fPrW8gy9PD43S3U5139XdzTV9mXLSPefvHuV53IgUlLS67+OblGinmxPqebFW6jPWJfF7l5D9dKllfPmKbO4mUVf2vv491K5E2zV8fy8MNVg1NMw9Vriw6FnGehDpu2W1Mo8zq2bs75qDZ51Ufsqd91Anpp+RgkUujPv5MaBfKD0scwVvNyDnOLGDHyN299839raliuEdvJDRhZRk0rF7M9+W5c77pe+5/v6er5U4BvVOfa9h0W1UznlpjyLfRyt7LrYo43ixnP+9jmz6XF19GxXi6018/9qej20zzpnT+pR5PodIQwJ1E23zsOjcuOnzq2/7dchyic9Z8tpm1ZzcFj4jTCVQ3vX415r4vlV9nx+Q873XLnXuWzjW89T74jr6dkt/LlbMuc77Ws651op+vrVDIj9qt0qiTWdfJ9PWYYlLFvZQn1RM1PCQf7ApANQondSo91eXjIsADRmdzCZqUenCHgAAAFASQ3GBlqW7C5ovQw/k0B2Z3dgkAGqUelRoiKKG3mrooQp5PUMcKqIeGgexiQAAAIDaQmGvPmguijdD8XnfUJvUy1JDFTRPhuZiYjJUALVKD69RrzE9JOWCxDmCntanpxjeyiZqUfP8WM+QZwAAAAAAADRbYQ5KbgACAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAOpNKzZBi+ts0TvEybCftfi8SFvNadTHopPFGxZvlVj3KhYbWczxdWc9XKO1Rfec939p8Tb5IB/kg3yQD/JCXsgH+SAf5IV8kI+KWM1iPYtPfJv9u0jb5Tx37S2mWHxQYt3aznqS/ce+7oUl2m9usYLFdIsXlvLrdvJCPuo2H0yK3XK0U11kcZhFG1/2ocXJFldmtP+WxRjfwQpusRhiMSvVdkWLkRb7+YEy+M57nMW4VNuNfGfNMtsP2uSDfJAP8kE+yAt5IR/kg3yQF/JBPlqOiqBXWHw/NHSwecfiKIu7MtrvYfFHi67+uwobf/JtPD/V9hue050Ty6ZaHGExIWPdm1n82WKDxLInLA62eG0p+94iL+Sj7vNBYa/laOfa1+LXFndadLE43neyD/0gWaCD5z0WM/zg+KrF7hZnWIy3+E5q3ddbDLA4xeK+EKvZP7MYG2IV+cFE2x7+8zcWr6TWs4B8kA/yQT7IB3khL+TWS1YsAAAHjklEQVSDfJAP8kI+yEeLUoHiNoteFj+xeNi3y2kWf7Hoa/Fkov12FjeHWBAdHGLR9FAvVqhX5Y8SbVW0/avn4IcWj1ms67lTIUS9jV5K5UM5e8/3j+cstrW40OJ+/zfOJS/khXzUTz4o7LWMNS1+YPFbi7MTyx+xmOQHveSB9MwQu4/u6gfR4O2+9Pfv7gdj2dRiYIh32i7wZZNDrDDrQHlSzoH0KovXyQf5IB/kg3yQF/JCPsgH+SAv5IN8VNQOIfaIPDLEwqq84PnQkGcVXA9OtD8/xOLrzv5Tnrbo4EWJi0LDkMA9vMiwjxc55EWLR0McSj3U4tjEuoeHWFDVv2m6L1PeNJz6Ji+MjCQv5IV81E8+lqEG1yLUfVTV5b+klqtb6FOhcff25S329J3r1VT7S0KsAh+YWNbFD5q3p9rO94Pv2qnlPfyAPI18kA/yQT7IB3khL+SDfJAP8kI+yEfFdfJtdndquYoEU1LbbC2LbSxGJYoVBSrUqlfTDxLL2vu670u1Ve/L11Pr7uCFjYsTxYqCW7yI8TfyQl7IR33lgx57LWOiJzvLxqHxJLS9/WD6YEbb2X7g3Sax7AGPNO24mr9iamp5T4t/WbQL8U5bR4t/hnhXjXyQD/JBPsgHeSEv5IN8kA/yQj7IR8u61SNNwwPXC43n9yps66x8aF6vaal8jPFIU3FCPTcfTSzb2nN9n9cCdgxxaKJy9veQPc8YeSEv5KPG80Fhr7I0Nltjt5NjvQtd06fmvEc7pcaOq3fll0XWra6m61icmlqu9bf3g3fn1AFZFezp5IN8kA/yQT7IC3khH+SDfJAX8kE+Ku4Ei1VDnA+xKfnoUca6T/ftnnxQynr+U8OuNURx3cRr+l29lF7ia4u8kI/6ygeFvcrReG6NE38otdN08J9zct432/OkneqznDaqRGv8uKrb41OvPR5i91I9zeWZEB/lfLjFT0Psbr99KP14Z/JBPsgH+SAf5IW8kA/yQT7IC/kgH0vOThZnWVwdGveALJWPT0Ls9VjM3iHOgTgixB6XBSv5zxtDfLrn/iEWVr/t+dMDVNSDc9ZS/L1FXshH3eWDwl5lrBHiE1hm+E6RvNP1hf9cvkSO8p4YpWryHSGOCz8s4/XjM5bp6VWaX0N30wb4wZ18kA/yQT7IB3khL+SDfJAP8kI+yEfL2yzEoqYKncekXiuVjzaJNln6hzjk8EHfzknL+U/1ZtonsR9ca/FxiE8kVdH190vp9xZ5IR91mQ8entHyVra416KtxS5h0a7mH/jPVXPer7HcH+bslKv7uj8N8clUnzTh31Xoxrot+SAf5IN8kA/yQl7IB/kgH+SFfJCPitBwZRVZNe+g5hyc14x8vJ/zWm8vOuhpn3uFRYuxhfyMCosOq77D8/ytpfR7i7yQj7rNB4W9lqXuoXdZdAvx0fGvZbQpTBq7Rc46Ng/ZE8t28YOoKtTfsXinif+2ws7ajnyQD/JBPsgHeSEv5IN8kA/yQj7IR4tTseE+L1Jom81oYj40F9gGOflY0wsh73uuZ2e0KTz1OGv4ooZDfx5iAXhpQ17IR13ng8Jey1Gi9Xh5zWXx3RCf/JTlXX/twIydY0CIT5G6K2NHvTPEO2S66/ZKzro1plyTSZ6V8VrhKVnPkw/yQT7IB/kgL+SFfJAP8kFeyAf5aFF6cIjm5urgxYppOe2e8ELG4IzXDgixEJrOR1cvhHzh6857IMnDIfau3D3jtU29oPLcUva9RV7IR93ng8Jey23Xa/xgpQkZ/16i/bkW3wixq2fhjpUqyeqePjM0ntxWc1zcFGL3UR2gJxVZryrMb1iclNoptTNqgkg9meo28kE+yAf5IB/khbyQD/JBPsgL+SAfLUa9Gm8P8SmdxQqhwYsOmrtLDyQZbtHal2/meXrZ11XQKcQeSJ1KFEJEk/1fHuL8YHoycitfrmGP11nMTeWavJAX8lEH+WhFDa5FqEJ8fYk2fSyeTfx+scWxFh+FOI78mxbzLfa0uD/R7miLy0qsWx+Et/2/NVHu33x9OnDqSVbrh3hnTgfiZ8gH+SAf5IN8kBfyQj7IB/kgL+SDfLSYX1icXaKNCg6FYYEqnurpwt8LsVeRYgP/qaJEsrfQeSE+YTiP5g9rk/hdhdtbvXDyga9T+dCwx4P9taUFeSEfX4l8UNhrGboDtUeJNqoApydz3Ml3yo5+ILzKD35JmqRx5xLr1t2v5KOX2/vBfTvP+ZN+oP+YfJAP8kE+yAd5IS/kg3yQD/JCPshHi1LPyf4l2pwTYiE1ea2+t+dET+l8KcReQun5xgZZbFlkvZr8f3jG8j28aKHcaE4xPfHznaXse4u8kA/yAQAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAD16/8Bd9Yg1MQ46mwAAAAASUVORK5CYII=\" style=\"height:150pt;width:476.25pt\"/></div></div></div><div class=\"ps22704 ss8\"><div class=\"ss561 ws0 ps22703\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:15.75pt\"></td><td style=\"padding:0;width:134.25pt\"></td><td style=\"padding:0;width:12.75pt\"></td><td style=\"padding:0;width:15.75pt\"></td><td style=\"padding:0;width:134.25pt\"></td><td style=\"padding:0;width:12.75pt\"></td><td style=\"padding:0;width:15.75pt\"></td><td style=\"padding:0;width:134.25pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.25pt solid #b1afa8;padding:0\"><div class=\"ps19 ss2155\"><div><div class=\"ps28 ss1265\"><div class=\"ps5335\"><div class=\"ps19\"><img alt=\"Investec_Pie-chart_Letters-01.svg\" id=\"i-223\" src=\"data:image/svg+xml;base64,CjxzdmcgeG1sbnM9Imh0dHA6Ly93d3cudzMub3JnLzIwMDAvc3ZnIj4gCgk8aW1hZ2UgcHJlc2VydmVBc3BlY3RSYXRpbz0ibm9uZSIgd2lkdGg9IjEwMCUiIGhlaWdodD0iMTAwJSIgaHJlZj0iZGF0YTppbWFnZS9zdmcreG1sO2Jhc2U2NCxQRDk0Yld3Z2RtVnljMmx2YmowaU1TNHdJaUJsYm1OdlpHbHVaejBpVlZSR0xUZ2lQejRLUEhOMlp5QjRiV3h1Y3owaWFIUjBjRG92TDNkM2R5NTNNeTV2Y21jdk1qQXdNQzl6ZG1jaUlIaHRiRzV6T25oc2FXNXJQU0pvZEhSd09pOHZkM2QzTG5jekxtOXlaeTh4T1RrNUwzaHNhVzVySWlCMlpYSnphVzl1UFNJeExqRWlJSFpwWlhkQ2IzZzlJakFnTUNBeE1DNDBPRGtnT0M0MU1EUWlQZ29nSUR4a1pXWnpQZ29nSUNBZ1BITjBlV3hsUGdvZ0lDQWdJQ0F1WTJ4ekxURWdld29nSUNBZ0lDQWdJR1pwYkd3NklHNXZibVU3Q2lBZ0lDQWdJSDBLQ2lBZ0lDQWdJQzVqYkhNdE1pQjdDaUFnSUNBZ0lDQWdabWxzYkRvZ0kyWm1aanNLSUNBZ0lDQWdmUW9LSUNBZ0lDQWdMbU5zY3kweklIc0tJQ0FnSUNBZ0lDQmpiR2x3TFhCaGRHZzZJSFZ5YkNnalkyeHBjSEJoZEdncE93b2dJQ0FnSUNCOUNnb2dJQ0FnSUNBdVkyeHpMVFFnZXdvZ0lDQWdJQ0FnSUdacGJHdzZJQ015T1RNMk5EZzdDaUFnSUNBZ0lIMEtJQ0FnSUR3dmMzUjViR1UrQ2lBZ0lDQThZMnhwY0ZCaGRHZ2dhV1E5SW1Oc2FYQndZWFJvSWo0S0lDQWdJQ0FnUEhKbFkzUWdZMnhoYzNNOUltTnNjeTB4SWlCM2FXUjBhRDBpTVRBdU5EZzRJaUJvWldsbmFIUTlJamd1TlRBMElpOCtDaUFnSUNBOEwyTnNhWEJRWVhSb1Bnb2dJRHd2WkdWbWN6NEtJQ0E4SVMwdElFZGxibVZ5WVhSdmNqb2dRV1J2WW1VZ1NXeHNkWE4wY21GMGIzSWdNamd1Tnk0eExDQlRWa2NnUlhod2IzSjBJRkJzZFdjdFNXNGdMaUJUVmtjZ1ZtVnljMmx2YmpvZ01TNHlMakFnUW5WcGJHUWdNVFF5S1NBZ0xTMCtDaUFnUEdjK0NpQWdJQ0E4WnlCcFpEMGlUR0Y1WlhKZk1TSStDaUFnSUNBZ0lEeHlaV04wSUdOc1lYTnpQU0pqYkhNdE5DSWdkMmxrZEdnOUlqRXdMalE0T1NJZ2FHVnBaMmgwUFNJNExqVXdOQ0l2UGdvZ0lDQWdJQ0E4WnlCamJHRnpjejBpWTJ4ekxUTWlQZ29nSUNBZ0lDQWdJRHh3WVhSb0lHTnNZWE56UFNKamJITXRNaUlnWkQwaVRUTXVOVEUxTml3MkxqZzNNalZvTFM0MU1qSnNNUzQ1T0RRMExUVXVORFUwTm1ndU5UTXlNbXd4TGprNE16a3NOUzQwTlRRMmFDMHVOVEl4Tld3dE1TNDNNUzAwTGpnd09ERm9MUzR3TXpjeGJDMHhMamN4TERRdU9EQTRNVnBOTXk0NE9URXhMRFF1TnpneE1tZ3lMamN3TmpGMkxqUTBOek5vTFRJdU56QTJNWFl0TGpRME56TmFJaTgrQ2lBZ0lDQWdJRHd2Wno0S0lDQWdJRHd2Wno0S0lDQThMMmMrQ2p3dmMzWm5QZz09Ij48L2ltYWdlPgo8L3N2Zz4K\" style=\"height:9.19pt;width:11.34pt\"/></div></div></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.25pt solid #b1afa8;border-top:0.25pt solid #b1afa8;padding:0\"><div class=\"ps6476 ss2359\" style=\"overflow:hidden\"><div><div class=\"ps22699 ss23\"><span class=\"f charStyle-58332424 ps5336\">Central bank cash placements and <span class=\"f ps2\"> </span></span></div><div class=\"ps22700 ss23\"><span class=\"f charStyle-58332424 ps5336\">other HQLA<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #b1afa8;border-top:0.25pt solid #b1afa8;padding:0\"><div class=\"ps21007 ss2155\"><div><div class=\"ps28 ss1265\"><div class=\"ps5335\"><div class=\"ps19\"><img alt=\"Investec_Pie-chart_Letters_B.svg\" id=\"i-224\" src=\"data:image/svg+xml;base64,CjxzdmcgeG1sbnM9Imh0dHA6Ly93d3cudzMub3JnLzIwMDAvc3ZnIj4gCgk8aW1hZ2UgcHJlc2VydmVBc3BlY3RSYXRpbz0ibm9uZSIgd2lkdGg9IjEwMCUiIGhlaWdodD0iMTAwJSIgaHJlZj0iZGF0YTppbWFnZS9zdmcreG1sO2Jhc2U2NCxQRDk0Yld3Z2RtVnljMmx2YmowaU1TNHdJaUJsYm1OdlpHbHVaejBpVlZSR0xUZ2lQejRLUEhOMlp5QjRiV3h1Y3owaWFIUjBjRG92TDNkM2R5NTNNeTV2Y21jdk1qQXdNQzl6ZG1jaUlIaHRiRzV6T25oc2FXNXJQU0pvZEhSd09pOHZkM2QzTG5jekxtOXlaeTh4T1RrNUwzaHNhVzVySWlCMlpYSnphVzl1UFNJeExqRWlJSFpwWlhkQ2IzZzlJakFnTUNBeE1DNDBPRGtnT0M0MU1EUWlQZ29nSUR4a1pXWnpQZ29nSUNBZ1BITjBlV3hsUGdvZ0lDQWdJQ0F1WTJ4ekxURWdld29nSUNBZ0lDQWdJR1pwYkd3NklDTXlOamN6TnpVN0NpQWdJQ0FnSUgwS0NpQWdJQ0FnSUM1amJITXRNaUI3Q2lBZ0lDQWdJQ0FnWm1sc2JEb2dJMlptWmpzS0lDQWdJQ0FnZlFvS0lDQWdJQ0FnTG1Oc2N5MHpJSHNLSUNBZ0lDQWdJQ0JqYkdsd0xYQmhkR2c2SUhWeWJDZ2pZMnhwY0hCaGRHZ3BPd29nSUNBZ0lDQjlDaUFnSUNBOEwzTjBlV3hsUGdvZ0lDQWdQR05zYVhCUVlYUm9JR2xrUFNKamJHbHdjR0YwYUNJK0NpQWdJQ0FnSUR4eVpXTjBJR05zWVhOelBTSmpiSE10TVNJZ2QybGtkR2c5SWpFd0xqUTRPQ0lnYUdWcFoyaDBQU0k0TGpVd05DSXZQZ29nSUNBZ1BDOWpiR2x3VUdGMGFENEtJQ0E4TDJSbFpuTStDaUFnUENFdExTQkhaVzVsY21GMGIzSTZJRUZrYjJKbElFbHNiSFZ6ZEhKaGRHOXlJREk0TGpjdU1Td2dVMVpISUVWNGNHOXlkQ0JRYkhWbkxVbHVJQzRnVTFaSElGWmxjbk5wYjI0NklERXVNaTR3SUVKMWFXeGtJREUwTWlrZ0lDMHRQZ29nSUR4blBnb2dJQ0FnUEdjZ2FXUTlJa3hoZVdWeVh6RWlQZ29nSUNBZ0lDQThaejRLSUNBZ0lDQWdJQ0E4Y21WamRDQmpiR0Z6Y3owaVkyeHpMVEVpSUhkcFpIUm9QU0l4TUM0ME9Ea2lJR2hsYVdkb2REMGlPQzQxTURRaUx6NEtJQ0FnSUNBZ0lDQThaejRLSUNBZ0lDQWdJQ0FnSUR4eVpXTjBJR05zWVhOelBTSmpiSE10TVNJZ2QybGtkR2c5SWpFd0xqUTRPQ0lnYUdWcFoyaDBQU0k0TGpVd05DSXZQZ29nSUNBZ0lDQWdJQ0FnUEdjZ1kyeGhjM005SW1Oc2N5MHpJajRLSUNBZ0lDQWdJQ0FnSUNBZ1BIQmhkR2dnWTJ4aGMzTTlJbU5zY3kweUlpQmtQU0pOTXk0MU5ERXNOaTQ0TnpKV01TNDBNVGhvTVM0NE5HTXVNelUxTERBc0xqWTFNUzR3TmpJdU9EZzVMakU0Tmk0eU16WXVNVEkxTGpReE5TNHlPVFF1TlRNekxqVXdPUzR4TVRrdU1qRTFMakUzT1M0ME5Ua3VNVGM1TGpjek1pd3dMQzR5TWpndExqQXpPQzQwTWpJdExqRXhOQzQxT0RRdExqQTNOaTR4TmpFdExqRTRNUzR5T1RJdExqTXhNaTR6T1RJdExqRXpNaTR3T1RrdExqSTNPQzR4TnpFdExqUXpPUzR5TVRWMkxqQTBNMk11TVRjMkxqQXhNeTR6TkRZdU1EYzBMalV4TVM0eE9EWXVNVFkyTGpFeExqTXdNaTR5TmpZdU5EQTRMalEyTlM0eE1EWXVNVGs0TGpFMU9TNDBNemN1TVRVNUxqY3hNM010TGpBMk1TNDFNakV0TGpFNE5DNDNNemRqTFM0eE1qSXVNakUxTFM0ek1URXVNemcxTFM0MU5qTXVOVEE0TFM0eU5UTXVNVEkwTFM0MU56UXVNVGcyTFM0NU5qVXVNVGcyYUMweExqazBNVnBOTkM0d016a3NNeTQ0T0RGb01TNHpPRGRqTGpJeE5Td3dMQzQwTURNdExqQTBOQzQxTmpVdExqRXpNeTR4TmpFdExqQTRPUzR5T0RjdExqSXhNUzR6TnpndExqTTJOM011TVRNMkxTNHpNelV1TVRNMkxTNDFNelpqTUMwdU1qZzVMUzR3T1RRdExqVXlOQzB1TWpneUxTNDNNRGN0TGpFNE9DMHVNVGd5TFM0ME5qa3RMakkzTWkwdU9EUXlMUzR5TnpKb0xURXVNelF5ZGpJdU1ERTJXazAwTGpBek9TdzJMalF5TldneExqUTBNMk11TkRJeExEQXNMamN6TVMwdU1EazBMamt6TkMwdU1qZ3hMakl3TVMwdU1UZzJMak13TWkwdU5ESXVNekF5TFM0M01ETXNNQzB1TWpBM0xTNHdOUzB1TXprMkxTNHhOUzB1TlRZMWN5MHVNalF4TFM0ek1EUXRMalF5TkMwdU5EQXpZeTB1TVRneUxTNHhMUzR6T1RZdExqRTBPUzB1TmpRdExqRTBPV2d0TVM0ME5qVjJNaTR4TURKYUlpOCtDaUFnSUNBZ0lDQWdJQ0E4TDJjK0NpQWdJQ0FnSUNBZ1BDOW5QZ29nSUNBZ0lDQThMMmMrQ2lBZ0lDQThMMmMrQ2lBZ1BDOW5QZ284TDNOMlp6ND0iPjwvaW1hZ2U+Cjwvc3ZnPgo=\" style=\"height:9.19pt;width:11.34pt\"/></div></div></div></div></div></td><td style=\"border-bottom:0.25pt solid #b1afa8;border-top:0.25pt solid #b1afa8;padding:0\"><div class=\"ps22701 ss2360\" style=\"overflow:hidden\"><div><div class=\"ps1195 ss23\"><span class=\"f charStyle-58332424 ps5336\">Cash<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #b1afa8;border-top:0.25pt solid #b1afa8;padding:0\"><div class=\"ps13835 ss2155\"><div><div class=\"ps28 ss1265\"><div class=\"ps5335\"><div class=\"ps19\"><img alt=\"Investec_Pie-chart_Letters-03.svg\" id=\"i-225\" src=\"data:image/svg+xml;base64,CjxzdmcgeG1sbnM9Imh0dHA6Ly93d3cudzMub3JnLzIwMDAvc3ZnIj4gCgk8aW1hZ2UgcHJlc2VydmVBc3BlY3RSYXRpbz0ibm9uZSIgd2lkdGg9IjEwMCUiIGhlaWdodD0iMTAwJSIgaHJlZj0iZGF0YTppbWFnZS9zdmcreG1sO2Jhc2U2NCxQRDk0Yld3Z2RtVnljMmx2YmowaU1TNHdJaUJsYm1OdlpHbHVaejBpVlZSR0xUZ2lQejRLUEhOMlp5QjRiV3h1Y3owaWFIUjBjRG92TDNkM2R5NTNNeTV2Y21jdk1qQXdNQzl6ZG1jaUlIaHRiRzV6T25oc2FXNXJQU0pvZEhSd09pOHZkM2QzTG5jekxtOXlaeTh4T1RrNUwzaHNhVzVySWlCMlpYSnphVzl1UFNJeExqRWlJSFpwWlhkQ2IzZzlJakFnTUNBeE1DNDBPRGtnT0M0MU1EUWlQZ29nSUR4a1pXWnpQZ29nSUNBZ1BITjBlV3hsUGdvZ0lDQWdJQ0F1WTJ4ekxURWdld29nSUNBZ0lDQWdJR1pwYkd3NklHNXZibVU3Q2lBZ0lDQWdJSDBLQ2lBZ0lDQWdJQzVqYkhNdE1pQjdDaUFnSUNBZ0lDQWdabWxzYkRvZ0l6VmpNbVV6WWpzS0lDQWdJQ0FnZlFvS0lDQWdJQ0FnTG1Oc2N5MHpJSHNLSUNBZ0lDQWdJQ0JtYVd4c09pQWpabVptT3dvZ0lDQWdJQ0I5Q2dvZ0lDQWdJQ0F1WTJ4ekxUUWdld29nSUNBZ0lDQWdJR05zYVhBdGNHRjBhRG9nZFhKc0tDTmpiR2x3Y0dGMGFDazdDaUFnSUNBZ0lIMEtJQ0FnSUR3dmMzUjViR1UrQ2lBZ0lDQThZMnhwY0ZCaGRHZ2dhV1E5SW1Oc2FYQndZWFJvSWo0S0lDQWdJQ0FnUEhKbFkzUWdZMnhoYzNNOUltTnNjeTB4SWlCM2FXUjBhRDBpTVRBdU5EZzRJaUJvWldsbmFIUTlJamd1TlRBMElpOCtDaUFnSUNBOEwyTnNhWEJRWVhSb1Bnb2dJRHd2WkdWbWN6NEtJQ0E4SVMwdElFZGxibVZ5WVhSdmNqb2dRV1J2WW1VZ1NXeHNkWE4wY21GMGIzSWdNamd1Tnk0eExDQlRWa2NnUlhod2IzSjBJRkJzZFdjdFNXNGdMaUJUVmtjZ1ZtVnljMmx2YmpvZ01TNHlMakFnUW5WcGJHUWdNVFF5S1NBZ0xTMCtDaUFnUEdjK0NpQWdJQ0E4WnlCcFpEMGlUR0Y1WlhKZk1TSStDaUFnSUNBZ0lEeG5QZ29nSUNBZ0lDQWdJRHh5WldOMElHTnNZWE56UFNKamJITXRNaUlnZDJsa2RHZzlJakV3TGpRNE9TSWdhR1ZwWjJoMFBTSTRMalV3TkNJdlBnb2dJQ0FnSUNBZ0lEeG5JR05zWVhOelBTSmpiSE10TkNJK0NpQWdJQ0FnSUNBZ0lDQThjR0YwYUNCamJHRnpjejBpWTJ4ekxUTWlJR1E5SWswM0xqVXhPRElzTXk0eE1qSm9MUzQxTURGakxTNHdNemN4TFM0eE9EWTFMUzR4TURNMUxTNHpOVGswTFM0eU1ERXlMUzQxTVRjMkxTNHdPVFkzTFM0eE5Ua3lMUzR5TVRjNExTNHlPVGM1TFM0ek5qTXpMUzQwTVRkekxTNHpNVEExTFM0eU1URTVMUzQwT1RVeExTNHlOemN6TFM0ek9EUTRMUzR3T1RnMkxTNDFPVGsyTFM0d09UZzJZeTB1TXpRek9Dd3dMUzQyTlRneUxqQTRPVGd0TGprME1UUXVNalk1TlMwdU1qZ3pNaTR4TnpnM0xTNDFNRGs0TGpRME1qUXRMalkzT0RjdU56ZzVNUzB1TVRZNU9TNHpORGMzTFM0eU5UUTVMamMzTWpVdExqSTFORGtzTVM0eU56UTBMREFzTGpVd05Ua3VNRGcxTGprek1qWXVNalUwT1N3eExqSTNPRE11TVRZNE9TNHpORFkzTGpNNU5UVXVOakE1TkM0Mk56ZzNMamM0TnpFdU1qZ3pNaTR4TnpreUxqVTVOemN1TWpZNE1TNDVOREUwTGpJMk9ERXVNakUwT0N3d0xDNDBNVFV0TGpBek1qSXVOVGs1TmkwdU1EazROaTR4T0RRMkxTNHdOalUwTGpNME9UWXRMakUxTnpjdU5EazFNUzB1TWpjMU9YTXVNalkyTmkwdU1qVTJPQzR6TmpNekxTNDBNVGRqTGpBNU56Y3RMakUxT1RJdU1UWTBNUzB1TXpNekxqSXdNVEl0TGpVeE9EWm9MalV3TVdNdExqQTBNemt1TWpVdExqRXlOeTQwT0RNMExTNHlORGt1TmprNE1pMHVNVEl4TVM0eU1UVTRMUzR5TnpZMExqUXdOVGd0TGpRMk1qa3VOVFkyT1MwdU1UZzNOUzR4TmpFeExTNDBNRE16TGpJNE9ERXRMalkwTmpVdU16YzNPUzB1TWpRek1pNHdPVEE0TFM0MU1UQTNMakV6TlRjdExqZ3dNVGd1TVRNMU55MHVORFU0TERBdExqZzJORE10TGpFeE5ETXRNUzR5TVRrM0xTNHpORFEzTFM0ek5UUTFMUzR5TWprMUxTNDJNekk0TFM0MU5UVXlMUzQ0TXpVdExqazNOREV0TGpJd01USXRMalF4T0RrdExqTXdNVGd0TGpreE16RXRMak13TVRndE1TNDBPRE0wTERBdExqVTJPVE11TVRBd05pMHhMakEyTkRVdU16QXhPQzB4TGpRNE16UXVNakF5TVMwdU5ERTRPUzQwT0RBMUxTNDNORE15TGpnek5TMHVPVGN6Tmk0ek5UVTFMUzR5TWprMUxqYzJNVGN0TGpNME5EY3NNUzR5TVRrM0xTNHpORFEzTGpJNU1Td3dMQzQxTlRnMkxqQTBORGt1T0RBeE9DNHhNelE0Y3k0ME5Ua3VNakUxT0M0Mk5EWTFMak0zTnpsakxqRTROalV1TVRZek1TNHpOREU0TGpNMU1UWXVORFl5T1M0MU5qWTBMakV5TWpFdU1qRTBPQzR5TURVeExqUTBPREl1TWpRNUxqY3dNREphSWk4K0NpQWdJQ0FnSUNBZ1BDOW5QZ29nSUNBZ0lDQThMMmMrQ2lBZ0lDQThMMmMrQ2lBZ1BDOW5QZ284TDNOMlp6ND0iPjwvaW1hZ2U+Cjwvc3ZnPgo=\" style=\"height:9.19pt;width:11.34pt\"/></div></div></div></div></div></td><td style=\"border-bottom:0.25pt solid #b1afa8;border-top:0.25pt solid #b1afa8;padding:0\"><div class=\"ps22702 ss2360\" style=\"overflow:hidden\"><div><div class=\"ps1195 ss23\"><span class=\"f charStyle-58332424 ps5336\">Near cash<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #b1afa8;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #b1afa8;padding:0\"></td><td style=\"border-top:0.25pt solid #b1afa8;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #b1afa8;padding:0\"></td><td style=\"border-top:0.25pt solid #b1afa8;padding:0\"></td></tr></tbody></table></div></div></div><div><div class=\"ps181 ss8\"><div class=\"ss125 ws0 ps22154\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:234pt\"></td><td style=\"padding:0;width:12pt\"></td><td style=\"padding:0;width:234pt\"></td></tr><tr style=\"height:27pt\"><td style=\"padding:0\"><div class=\"ps19 ss2362\"><div><div class=\"ps29 ss607\"><span class=\"f charStyle-21b4da98 ps7\">An analysis of cash and near cash at </span></div><div class=\"ps22705 ss607\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps7\">31\u00a0March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps3813 ss2362\"><div><div class=\"ps29 ss607\"><span class=\"f charStyle-21b4da98 ps7\">Customer accounts (deposits) by type <span class=\"f ps2\"> </span></span></div><div class=\"ps32 ss607\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps7\">at <span class=\"f ps2\"> </span></span><span class=\"f charStyle-21b4da98 ps22706\">31\u00a0March 2026<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps213 ss2154\"><div><div class=\"ps815 ss607\"><span class=\"f charStyle-2b0f4fe0 ps7\">\u00a39\u00a0379 million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps22707 ss2154\"><div><div class=\"ps815 ss607\" style=\"font-size:12pt\"><span class=\"f charStyle-9458d4de ps7\">\u00a322\u00a0468</span><span class=\"f charStyle-9458d4de ps8542\"> million<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22709 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-4646bb92\"><span class=\"ps3808\"><span style=\"display:inline-block;height:112.5pt;width:15.94pt\"></span></span></span><div class=\"ps14\"><div class=\"ps19\"><img alt=\"2752\" id=\"i-226\" 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\" style=\"height:112.5pt;width:225pt\"/></div></div><div class=\"ps22708\"><div class=\"ps19\"><img alt=\"2754\" id=\"i-227\" 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\" style=\"height:112.5pt;width:225pt\"/></div></div></div><div class=\"ps22718 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:15.75pt\"></td><td style=\"padding:0;width:177pt\"></td><td style=\"padding:0;width:30pt\"></td><td style=\"padding:0;width:35.25pt\"></td><td style=\"padding:0;width:15.75pt\"></td><td style=\"padding:0;width:177pt\"></td><td style=\"padding:0;width:30pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps19 ss2155\"><div><div class=\"ps28 ss1265\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Investec_Pie-chart_Letters-01.svg\" id=\"i-228\" src=\"data:image/svg+xml;base64,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\" style=\"height:9.19pt;width:11.34pt\"/></div></div></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps6476 ss2363\"><div><div class=\"ps18464 ss786\"><span class=\"f charStyle-8d2194f5 ps7\">Central bank cash placements and other HQLA<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps6588 ss910\"><div><div class=\"ps18464 ss784\"><span class=\"f charStyle-73034ed3\"><span class=\"ps7\"></span><span class=\"ps7\">80.8%<span style=\"display:inline-block;height:8.23pt;width:2.94pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps22710 ss2155\"><div><div class=\"ps28 ss1265\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Investec_Pie-chart_Letters-01.svg\" id=\"i-229\" src=\"data:image/svg+xml;base64,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\" style=\"height:9.19pt;width:11.34pt\"/></div></div></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps22711 ss2363\"><div><div class=\"ps18464 ss786\"><span class=\"f charStyle-73034ed3 ps7\">Individuals<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps3815 ss910\"><div><div class=\"ps18464 ss784\"><span class=\"f charStyle-73034ed3\"><span class=\"ps7\"></span><span class=\"ps7\">62.6%<span style=\"display:inline-block;height:8.23pt;width:2.94pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps2724 ss2155\"><div><div class=\"ps28 ss1265\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Investec_Pie-chart_Letters-02.svg\" id=\"i-230\" src=\"data:image/svg+xml;base64,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\" style=\"height:9.19pt;width:11.34pt\"/></div></div></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps18469 ss2363\"><div><div class=\"ps18464 ss786\"><span class=\"f charStyle-73034ed3 ps7\">Cash<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps22712 ss910\"><div><div class=\"ps18464 ss784\"><span class=\"f charStyle-73034ed3\"><span class=\"ps18465\"></span><span class=\"ps18465\">11.5%<span style=\"display:inline-block;height:8.23pt;width:2.94pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps22713 ss2155\"><div><div class=\"ps28 ss1265\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Investec_Pie-chart_Letters-02.svg\" id=\"i-231\" src=\"data:image/svg+xml;base64,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\" style=\"height:9.19pt;width:11.34pt\"/></div></div></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps14392 ss2363\"><div><div class=\"ps18464 ss786\"><span class=\"f charStyle-73034ed3 ps7\">Other financial institutions and corporates<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps4065 ss910\"><div><div class=\"ps18464 ss784\"><span class=\"f charStyle-73034ed3\"><span class=\"ps7\"></span><span class=\"ps7\">32.0%<span style=\"display:inline-block;height:8.23pt;width:2.94pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps4066 ss2155\"><div><div class=\"ps28 ss1265\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Investec_Pie-chart_Letters-03.svg\" id=\"i-232\" src=\"data:image/svg+xml;base64,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\" style=\"height:9.19pt;width:11.34pt\"/></div></div></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps18475 ss2363\"><div><div class=\"ps18464 ss786\"><span class=\"f charStyle-73034ed3 ps7\">Near cash<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps22715 ss910\"><div><div class=\"ps18464 ss784\"><span class=\"f charStyle-73034ed3\"><span class=\"ps22714\"></span><span class=\"ps22714\">7.7%<span style=\"display:inline-block;height:8.23pt;width:2.94pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps22716 ss2155\"><div><div class=\"ps28 ss1265\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Investec_Pie-chart_Letters-03.svg\" id=\"i-233\" src=\"data:image/svg+xml;base64,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\" style=\"height:9.19pt;width:11.34pt\"/></div></div></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps22717 ss2363\"><div><div class=\"ps18464 ss786\"><span class=\"f charStyle-73034ed3 ps7\">Small business<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps4071 ss910\"><div><div class=\"ps18464 ss784\"><span class=\"f charStyle-73034ed3\"><span class=\"ps6709\"></span><span class=\"ps6709\">5.4%<span style=\"display:inline-block;height:8.23pt;width:2.94pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22719 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Asset encumbrance</span></div><div class=\"ps22720 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">An asset is defined as encumbered if it has been pledged as collateral against an existing liability and, as a result, is no longer </span></div><div class=\"ps22723 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">available to the</span><span class=\"f charStyle-33e1c6d6 ps22721\"> Group </span><span class=\"f charStyle-33e1c6d6 ps22722\">to secure funding, satisfy collateral needs or be sold to reduce funding requirement.</span></div><div class=\"ps22724 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Encumbered assets are identified in accordance with the definitions under European Capital Requirements Regulation (CRR), and <span class=\"f ps2\"> </span></span></div><div class=\"ps22725 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">regular reporting is provided to the PRA.<span class=\"f ps2\"> </span></span></div><div class=\"ps22727 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Risk </span><span class=\"f charStyle-33e1c6d6 ps22726\">management monitors and manages total balance sheet encumbrance within a Board-approved risk appetite limit. Asset </span></div><div class=\"ps22728 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">encumbrance is one of the factors considered in the discussion of new products or new funding structures, and the impact on risk </span></div><div class=\"ps22729 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">appetite is assessed.</span></div><div class=\"ps22730 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group </span><span class=\"f charStyle-33e1c6d6 ps5264\">uses secured transactions to manage short-term cash and collateral needs, and utilises securitisations in order to raise </span></div><div class=\"ps22731 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">external term funding as part of its diversified liability base. Securitisation notes issued are also retained by the Group which are </span></div><div class=\"ps22732 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">eligible for the BoE\u2019s Single Collateral Pool to support central bank liquidity facilities.</span></div><div class=\"ps22733 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Further disclosures on encumbered and unencumbered assets can be found within the Investec plc Pillar 3 document.</span></div><div class=\"ps22736 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:21pt\"></td><td style=\"padding:0;width:459.75pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"padding:0\"><div class=\"ps19 ss771\"><div><div class=\"ps28 ss588\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Page_references.svg\" id=\"i-234\" src=\"data:image/svg+xml;base64,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\" style=\"height:15.59pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps2752 ss261\"><div><div class=\"ps6388 ss260\"><span class=\"f charStyle-9458d4de ps7\">On page </span><span class=\"f charStyle-2b0f4fe0 ps22734\"><a class=\"Hyperlink\" href=\"#iccba24ea0cd14a1fbe74568356c33a8e_280\" style=\"z-index:1\">119</a><span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps22735\"> we disclose further details of assets that have been received as collateral under reverse repurchase agreements and <span class=\"f ps2\"> </span></span></div><div class=\"ps6389 ss260\"><span class=\"f charStyle-9458d4de ps7\">securities borrowing transactions where the assets are allowed to be resold or pledged.<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps181 ss8\"><div class=\"ss669 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:20.25pt\"></td><td style=\"padding:0;width:213pt\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss1214\"><div><div class=\"ps28 ss92\"><div class=\"ps18454\"><div class=\"ps19\"><img alt=\"Audited_Yes_Black.png\" id=\"i-235\" 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\" style=\"height:15pt;width:17.1pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><span id=\"i0538bddee3b24b45887058da06b95329_0-1-1-1-3773628\"></span><div class=\"ps387 ss2339\"><div><div class=\"ps18250 ss696\"><span class=\"f charStyle-0e78c81e ps7\">Interest rate risk in the banking book (IRRBB)<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps18379 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Overview</span></div><div class=\"ps22738 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">IRRBB is an inherent consequence of conducting banking </span></div><div class=\"ps22739 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">activities, and arises from the provision of non-trading banking </span></div><div class=\"ps22742 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">products and services. The</span><span class=\"f charStyle-33e1c6d6 ps22740\"> Group </span><span class=\"f charStyle-33e1c6d6 ps22741\">considers the management </span></div><div class=\"ps22743 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of banking margin of vital importance, and our IRRBB philosophy </span></div><div class=\"ps22744 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">is reflected in our day-to-day practices.</span></div><div class=\"ps22745 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The aim of IRRBB management is to protect net interest </span></div><div class=\"ps22746 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">earnings and economic value of equity in accordance with the </span></div><div class=\"ps4180 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Board-approved risk appetite.</span></div><div class=\"ps4181 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Sources of IRRBB include:</span></div><div class=\"ps22748 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps461\">Repricing risk:</span><span class=\"f charStyle-33e1c6d6 ps22747\"> arises from the timing differences in the fixed </span></div><div class=\"ps22751 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">rate maturity and floating rate repricing of</span><span class=\"f charStyle-33e1c6d6 ps22749\"> Group </span><span class=\"f charStyle-33e1c6d6 ps22750\">assets, </span></div><div class=\"ps22752 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">liabilities and derivative positions. This affects the interest </span></div><div class=\"ps22753 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">rate margin realised between lending income and borrowing </span></div><div class=\"ps22754 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">costs when applied to our rate sensitive portfolios</span></div><div class=\"ps22757 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps461\">Yield curve risk:</span><span class=\"f charStyle-33e1c6d6 ps22755\"> repricing mismatches also expose the</span><span class=\"f charStyle-33e1c6d6 ps22756\"> </span></div><div class=\"ps22759 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">Group </span><span class=\"f charStyle-33e1c6d6 ps22758\">to changes in the slope and shape of the yield curve</span></div><div class=\"ps22761 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps461\">Basis risk: </span><span class=\"f charStyle-33e1c6d6 ps22760\">arises from imperfect correlation in the </span></div><div class=\"ps22762 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">adjustments of the rates earned and paid on different </span></div><div class=\"ps22763 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">instruments with otherwise similar repricing characteristics</span></div><div class=\"ps22765 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps461\">Embedded option risk:</span><span class=\"f charStyle-33e1c6d6 ps22764\"> arises from optional elements </span></div><div class=\"ps22768 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">embedded in items where the</span><span class=\"f charStyle-33e1c6d6 ps22766\"> Group </span><span class=\"f charStyle-33e1c6d6 ps22767\">or its customers can </span></div><div class=\"ps22769 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">alter the level and timing of their cash flows, such as the </span></div><div class=\"ps22770 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">prepayment of fixed rate loans and withdrawal of non-</span></div><div class=\"ps22771 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">maturity deposits (NMDs)</span></div><div class=\"ps22773 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps461\">Endowment risk:</span><span class=\"f charStyle-33e1c6d6 ps22772\"> refers to the interest rate risk exposure </span></div><div class=\"ps22774 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">arising from the net differential between interest rate </span></div><div class=\"ps22775 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">insensitive assets, interest rate insensitive liabilities </span></div><div class=\"ps22776 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">and\u00a0capital.</span></div><div class=\"ps22777 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The above sources of interest rate risk\u00a0affect the interest rate </span></div><div class=\"ps22778 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">margin realised between lending income and borrowing costs </span></div><div class=\"ps22779 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">when applied to our rate sensitive asset and liability portfolios, </span></div><div class=\"ps22780 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">which has a\u00a0direct effect on future net interest earnings and the </span></div><div class=\"ps22781 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">economic value of equity.</span></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps74\">Risk management and measurement<span class=\"f ps2\"> </span><span id=\"i4298e21e46a84636ae4baccaf7cfb863_8571\"></span></span></div><div class=\"ps10770 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Each banking entity has its own Board-approved IRRBB </span></div><div class=\"ps10771 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">appetite, covering both income and economic value risk. The</span><span class=\"f charStyle-33e1c6d6 ps22782\"> </span></div><div class=\"ps19160 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Group</span><span class=\"f charStyle-33e1c6d6 ps22783\"> has limited appetite for\u00a0IRRBB.</span><span class=\"f charStyle-33e1c6d6 ps22784\"> </span></div><div class=\"ps10773 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Operationally, daily management of interest rate risk is </span></div><div class=\"ps10774 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">centralised within the Treasury of each banking entity and is </span></div><div class=\"ps10775 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">subject to local independent risk and ALCO review. Where </span></div><div class=\"ps22785 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">possible, Treasury further mitigates any residual risk by </span></div><div class=\"ps21174 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">changing the duration of the banking book\u2019s discretionary liquid </span></div><div class=\"ps19440 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">asset portfolio, or through derivative transactions. The Treasury </span></div><div class=\"ps19447 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">mandate allows for a tactical response to market volatility which </span></div><div class=\"ps21175 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">may arise during changing interest rate cycles, in order to </span></div><div class=\"ps21176 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">hedge residual exposures. Any\u00a0resultant interest rate position </span></div><div class=\"ps19169 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">is\u00a0managed under the IRRBB risk limits. Balance sheet risk </span></div><div class=\"ps19170 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">management independently monitors a broad range of\u00a0interest </span></div><div class=\"ps19171 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">rate risk metrics to changes in\u00a0interest rate risk factors, detailing </span></div><div class=\"ps19173 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">the sources of interest rate exposure.</span></div><div class=\"ps22786 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Automatic optionality arising from variable rate products with </span></div><div class=\"ps22787 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">an\u00a0embedded minimum lending rate serves as an income </span></div><div class=\"ps22788 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">protection mechanism for the Group against falling interest </span></div><div class=\"ps22789 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">rates, while behavioural optionality risk from customers of fixed </span></div><div class=\"ps22790 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">rate products is mitigated by early repayment charges.</span></div><div class=\"ps22791 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">The UK Bank maintains a structural hedging programme to </span></div><div class=\"ps22792 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">reduce the sensitivity of earnings to short-term interest rate </span></div><div class=\"ps22793 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">movements. An amortising profile of \u00a32.1 billion tangible equity </span></div><div class=\"ps22794 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">has been assigned with an average duration of 2.5 years evenly </span></div><div class=\"ps22795 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">distributed over the period. The termed equity is then hedged </span></div><div class=\"ps22797 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">and managed within the </span><span class=\"f charStyle-33e1c6d6 ps22796\">overall interest rate risk appetite. </span></div><div class=\"ps22798 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">IRRBB is measured and analysed by utilising standard tools of </span></div><div class=\"ps22799 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">traditional interest rate repricing mismatch and net present </span></div><div class=\"ps22800 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">value (NPV) sensitivity to changes in interest rate risk factors:</span></div><div class=\"ps19604 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps663\">Income metrics capture the change in accruals expected over </span></div><div class=\"ps19612 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">a specified time horizon in response to a change in interest </span></div><div class=\"ps19615 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">rates</span></div><div class=\"ps22801 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps663\">Economic value metrics capture all future cash flows in order </span></div><div class=\"ps22802 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">to calculate the Group\u2019s net worth and therefore can highlight </span></div><div class=\"ps22803 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">risks beyond the short-term earnings time horizon.</span></div><div class=\"ps19620 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">These metrics are used to assess and to\u00a0communicate to senior </span></div><div class=\"ps19624 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">management the financial impact of possible future interest rate </span></div><div class=\"ps22804 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">scenarios, covering:</span></div><div class=\"ps22805 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps663\">Interest rate expectations and perceived risks to the </span></div><div class=\"ps22806 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">central\u00a0view</span></div><div class=\"ps22807 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps663\">Standard shocks to levels and shapes of interest rates and </span></div><div class=\"ps22808 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">yield curves.</span></div></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The repricing gap provides a simple representation of the </span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">balance sheet, with the sensitivity of fair values and earnings to </span></div><div class=\"ps701 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">changes to interest rates calculated off the repricing gap. This </span></div><div class=\"ps702 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">also allows for the detection of interest rate risk concentration </span></div><div class=\"ps3313 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">in specific repricing buckets. Net interest income sensitivity </span></div><div class=\"ps6370 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">measures the change in accruals expected over the specified </span></div><div class=\"ps80 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">horizon in response to a shift in the yield curve. Economic value </span></div><div class=\"ps707 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sensitivity and stress testing to macro-economic movements or </span></div><div class=\"ps710 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">changes in the yield curve measures the impact of interest rate </span></div><div class=\"ps712 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">shocks on net present value, based on discounted asset and </span></div><div class=\"ps3315 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">liability cashflows. Economic value measures have the </span></div><div class=\"ps3316 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">advantage that all future cash flows are considered and </span></div><div class=\"ps6373 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">therefore assess the risk beyond the earnings horizon.</span></div><div class=\"ps6028 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Net interest income sensitivity</span></div><div class=\"ps19170 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">IRRBB is measured and monitored using an income sensitivity </span></div><div class=\"ps19171 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">approach. The tables below reflect an illustrative annualised net </span></div><div class=\"ps19173 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">interest income value sensitivity to a 0.25% parallel shift in </span></div><div class=\"ps21659 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">interest rates, based on modelled assumptions, assuming no </span></div><div class=\"ps21660 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">management action. </span></div><div class=\"ps22819 ss8\"><div class=\"ss669 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:113.25pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss2187\"><div><div class=\"ps809 ss350\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19176 ss287\"><div><div class=\"ps809 ss286\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps808\">31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22811 ss287\"><div><div class=\"ps809 ss286\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps22809\"> </span><span class=\"f charStyle-6f1c08a8 ps22810\">31 March 2025</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps816 ss2187\"><div><div class=\"ps97 ss350\"><span class=\"f charStyle-c4fc3a3f ps7\">25bps down<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22813 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.6pt\"></span></span><span class=\"ps22812\">(8.2)</span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps22815 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.15pt\"></span></span><span class=\"ps22814\">(9.3)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps817 ss2187\"><div><div class=\"ps97 ss350\"><span class=\"f charStyle-c4fc3a3f ps7\">25bps up<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22817 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.71pt\"></span></span><span class=\"ps22816\">7.0<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22818 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.23pt\"></span></span><span class=\"ps19118\">7.9<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22820 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Economic value (EV) sensitivity </span></div><div class=\"ps22821 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">IRRBB is measured and monitored using the EV sensitivity </span></div><div class=\"ps22823 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">approach.</span><span class=\"f charStyle-33e1c6d6 ps22822\"> The tables below reflect an illustrative economic </span></div><div class=\"ps22824 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">value sensitivity to a 2% parallel shift in interest rates, based on </span></div><div class=\"ps22825 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">modelled assumptions, assuming no management action. This </span></div><div class=\"ps22826 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sensitivity effect would only have a negligible direct impact on </span></div><div class=\"ps22827 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">our equity.</span></div><div class=\"ps22831 ss8\"><div class=\"ss669 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:113.25pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss2187\"><div><div class=\"ps809 ss350\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19176 ss287\"><div><div class=\"ps809 ss286\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps808\">31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22811 ss287\"><div><div class=\"ps809 ss286\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps22809\"> </span><span class=\"f charStyle-6f1c08a8 ps22810\">31 March 2025</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps816 ss2187\"><div><div class=\"ps97 ss350\"><span class=\"f charStyle-c4fc3a3f ps7\">200bps down<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22813 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.44pt\"></span></span><span class=\"ps20454\">(1.0)</span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps22815 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.39pt\"></span></span><span class=\"ps22828\">(5.8)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps817 ss2187\"><div><div class=\"ps97 ss350\"><span class=\"f charStyle-c4fc3a3f ps7\">200bps up<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22817 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.72pt\"></span></span><span class=\"ps22829\">(10.2)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22818 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.28pt\"></span></span><span class=\"ps22830\">(8.2)</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4165 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps74\">Regulatory requirements<span id=\"i4298e21e46a84636ae4baccaf7cfb863_4107\"></span></span></div><div class=\"ps5816 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps74\">Liquidity risk<span class=\"f ps2\"> </span><span id=\"i4298e21e46a84636ae4baccaf7cfb863_4108\"></span></span></div><div class=\"ps5980 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">The two minimum BCBS standards for funding liquidity are:</span></div><div class=\"ps22833 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps663\">The Liquidity Coverage ratio (LCR) which is designed to </span></div><div class=\"ps5982 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">ensure that banks have sufficient HQLA to meet their liquidity </span></div><div class=\"ps5983 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">needs throughout a 30-calendar day severe stress </span></div><div class=\"ps22834 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps663\">The Net Stable Funding ratio (NSFR) which is designed to </span></div><div class=\"ps22835 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">capture structural issues over a longer time horizon by </span></div><div class=\"ps22235 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">requiring banks to have a sustainable maturity structure of </span></div><div class=\"ps22236 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">assets and a stable liability base.</span></div><div class=\"ps5989 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">The Investec plc and</span><span class=\"f charStyle-33e1c6d6 ps22836\"> </span><span class=\"f charStyle-33e1c6d6 ps22837\">IBP (solo basis) LCRs are calculated based </span></div><div class=\"ps22838 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">on the rules contained in the PRA rulebook overlaid with\u00a0our </span></div><div class=\"ps22839 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">own interpretations where the regulation requires. Banks are </span></div><div class=\"ps22844 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps22840\">required to maintain a minimum LCR of 100%.</span><span class=\"f charStyle-4646bb92 ps22841\"> </span><span class=\"f charStyle-33e1c6d6 ps22842\">As at</span><span class=\"f charStyle-33e1c6d6 ps22843\">31 March </span></div><div class=\"ps22851 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">2026</span><span class=\"f charStyle-33e1c6d6 ps8307\"> the LCR was</span><span class=\"f charStyle-33e1c6d6 ps22845\"> </span><span class=\"f charStyle-33e1c6d6 ps22846\">349</span><span class=\"f charStyle-33e1c6d6 ps22847\">% for Investec plc and </span><span class=\"f charStyle-33e1c6d6 ps22848\">348</span><span class=\"f charStyle-33e1c6d6 ps22849\">% </span><span class=\"f charStyle-33e1c6d6 ps22850\">for IBP (solo </span></div><div class=\"ps22852 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">basis).</span></div><div class=\"ps22853 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Within the UK, the NSFR has become a\u00a0binding requirement for </span></div><div class=\"ps22854 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">banks since January 2022. Banks are now required to\u00a0maintain </span></div><div class=\"ps22858 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">a minimum NSFR of 100%.</span><span class=\"f charStyle-33e1c6d6 ps22855\"> The NSFR at </span><span class=\"f charStyle-33e1c6d6 ps22856\">31 March 2026</span><span class=\"f charStyle-33e1c6d6 ps22857\"> was </span></div><div class=\"ps22862 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">141</span><span class=\"f charStyle-33e1c6d6 ps22859\">% for Investec plc and </span><span class=\"f charStyle-33e1c6d6 ps22860\">140</span><span class=\"f charStyle-33e1c6d6 ps22861\">% for IBP (solo\u00a0basis).</span></div><div class=\"ps22863 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Investec plc undertakes an annual ILAAP, which documents </span></div><div class=\"ps22864 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">the\u00a0approach to liquidity management across the firm. </span></div><div class=\"ps22865 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">This\u00a0document is approved by the IBP and DLC Boards </span></div><div class=\"ps22866 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">before\u00a0being provided to the PRA for use, alongside the </span></div><div class=\"ps22867 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Liquidity Supervisory Review and Evaluation Process, to </span></div><div class=\"ps22868 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">determine the bank\u2019s Individual Liquidity Guidance, also </span></div><div class=\"ps22869 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">known\u00a0as a Pillar II requirement.</span></div><div class=\"ps22870 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps74\">IRRBB</span></div><div class=\"ps22871 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">The BCBS standards for IRRBB recommend that the risk is </span></div><div class=\"ps22872 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">assessed as part of the Bank\u2019s capital requirements, while also </span></div><div class=\"ps22873 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">outlining six prescribed shock scenarios, and recommending </span></div><div class=\"ps22874 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">enhanced disclosure requirements for supervisors to implement.</span></div><div class=\"ps22875 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">The regulatory framework requires banks to assess their </span></div><div class=\"ps22876 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Pillar\u00a0II\u00a0requirements, including those related to IRRBB, as part of </span></div><div class=\"ps22877 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">their ICAAP in accordance with PS22/21 and SS31/15. This </span></div><div class=\"ps22878 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">is\u00a0reviewed on\u00a0at least an annual basis and reviewed and </span></div><div class=\"ps22879 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">approved by IBP BRCC, DLC BRCC and by the IBP and </span></div><div class=\"ps22880 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">DLC\u00a0Boards.</span></div><div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_451\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps181 ss8\"><div class=\"ss1017 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:20.25pt\"></td><td style=\"padding:0;width:123pt\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss1214\"><div><div class=\"ps28 ss92\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Unaudited_information.svg\" id=\"i-236\" src=\"data:image/svg+xml;base64,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\" style=\"height:15.59pt;width:17.98pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps387 ss2319\"><div><div class=\"ps18378 ss1042\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps7\">61<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps14416\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps11806\">Operational risk<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22183 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Overview<span class=\"f ps2\"> </span></span></div><div class=\"ps22184 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Operational risk is an inherent risk in the ordinary course of <span class=\"f ps2\"> </span></span></div><div class=\"ps22185 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">business activity. The impact could be financial as well as non-<span class=\"f ps2\"> </span></span></div><div class=\"ps22186 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">financial. Possible non-financial impacts could include customer <span class=\"f ps2\"> </span></span></div><div class=\"ps22187 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">detriment, reputational or regulatory consequences.<span class=\"f ps2\"> </span></span></div><div class=\"ps22883 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Risk management and measurement<span class=\"f ps2\"> </span></span></div><div class=\"ps22884 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The operational risk governance structures form an integral part <span class=\"f ps2\"> </span></span></div><div class=\"ps22191 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of the operational risk management framework.<span class=\"f ps2\"> </span></span></div><div class=\"ps22886 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">The Group, <span class=\"f ps2\"> </span></span><span class=\"f charStyle-68c7bd0e ps22885\">in keeping with sound governance practices, has <span class=\"f ps2\"> </span></span></div><div class=\"ps22887 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">defined roles and responsibilities for the management of <span class=\"f ps2\"> </span></span></div><div class=\"ps22888 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">operational risk in accordance with the three lines of defence <span class=\"f ps2\"> </span></span></div><div class=\"ps22889 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">model, i.e. business line management, an independent operational <span class=\"f ps2\"> </span></span></div><div class=\"ps22197 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">risk function and an independent internal audit\u00a0function.<span class=\"f ps2\"> </span></span></div><div class=\"ps22890 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Specialist control functions are responsible for the management <span class=\"f ps2\"> </span></span></div><div class=\"ps22891 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of key operational risks. These include, but are not limited to: <span class=\"f ps2\"> </span></span></div><div class=\"ps22892 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">compliance (including financial crime compliance), cyber, <span class=\"f ps2\"> </span></span></div><div class=\"ps22893 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">finance, fraud, legal, technology and information security risks.<span class=\"f ps2\"> </span></span></div><div class=\"ps22203 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Operational risk is managed and monitored through various <span class=\"f ps2\"> </span></span></div><div class=\"ps7692 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">governance forums and committees that are integrated with th<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps22894\">e <span class=\"f ps2\"> </span></span></div><div class=\"ps7693 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Group\u2019s <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps22895\">risk management governance structure and report to <span class=\"f ps2\"> </span></span></div><div class=\"ps22896 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Board level committees.<span class=\"f ps2\"> </span></span></div><div class=\"ps7695 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group\u2019s <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps18193\">operational risk profile is reported to the <span class=\"f ps2\"> </span></span></div><div class=\"ps22205 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">governance forums and committees on a regular basis, which <span class=\"f ps2\"> </span></span></div><div class=\"ps22206 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">contributes to sound risk management and decision-making <span class=\"f ps2\"> </span></span></div><div class=\"ps22897 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">by\u00a0the Board and management.<span class=\"f ps2\"> </span></span></div><div class=\"ps22208 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Management forums and committees are in place at each entity <span class=\"f ps2\"> </span></span></div><div class=\"ps22209 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">level. Key responsibilities include the monitoring of operational <span class=\"f ps2\"> </span></span></div><div class=\"ps22210 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">risk and oversight of the operational risk management <span class=\"f ps2\"> </span></span></div><div class=\"ps22898 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">framework, including approval of the operational risk <span class=\"f ps2\"> </span></span></div><div class=\"ps22899 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">management policies. <span class=\"f ps2\"> </span></span></div><div class=\"ps22126 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">The DLC IT Risk and Governance Committee <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps22900\">is responsible <span class=\"f ps2\"> </span></span></div><div class=\"ps22127 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">for\u00a0the monitoring of current and emerging technology and <span class=\"f ps2\"> </span></span></div><div class=\"ps18382 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">information security risks. In addition, this committee considers <span class=\"f ps2\"> </span></span></div><div class=\"ps18383 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">the strategic alignment of technology within the business.<span class=\"f ps2\"> </span></span></div><div class=\"ps22138 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">The UK Technology Management Committees monitor <span class=\"f ps2\"> </span></span></div><div class=\"ps22142 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">technology risks for the UK entities and escalate current and <span class=\"f ps2\"> </span></span></div><div class=\"ps22143 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">emerging risks to the DLC IT Risk and Governance Committee <span class=\"f ps2\"> </span></span></div><div class=\"ps22144 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">and relevant local risk governance forums and committees.<span class=\"f ps2\"> </span></span></div><div class=\"ps22132 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Operational risk appetite is defined as the level of risk exposure <span class=\"f ps2\"> </span></span></div><div class=\"ps22903 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">that is acceptable to the<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps22901\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps22902\">Board in order to achieve its business </span></div><div class=\"ps22147 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">and strategic objectives. The</span><span class=\"f charStyle-33e1c6d6 ps22904\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps22905\">Board is responsible for setting <span class=\"f ps2\"> </span></span></div><div class=\"ps22906 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">and regularly reviewing the risk appetite. The operational risk <span class=\"f ps2\"> </span></span></div><div class=\"ps22907 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">appetite policy defines the amount of operational risk exposure, <span class=\"f ps2\"> </span></span></div><div class=\"ps22908 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">or potential adverse impact of a risk event, that the Group is <span class=\"f ps2\"> </span></span></div><div class=\"ps22910 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">willing to accept through qualitative and quantitative measures.<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps22909\"> <span class=\"f ps2\"> </span></span></div><div class=\"ps22911 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Operational risks are managed in accordance with the approved <span class=\"f ps2\"> </span></span></div><div class=\"ps22912 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">risk appetite. Any breaches of limits are escalated in <span class=\"f ps2\"> </span></span></div><div class=\"ps22914 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">accordance with the appropriate governance structures.<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps22913\"> <span class=\"f ps2\"> </span></span></div><div class=\"ps22916 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">The Group <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps22915\">manages operational risk through an operational risk <span class=\"f ps2\"> </span></span></div><div class=\"ps22917 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">management framework that is embedded across all levels of <span class=\"f ps2\"> </span></span></div><div class=\"ps22918 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">the organisation and is supported by a strong risk management <span class=\"f ps2\"> </span></span></div><div class=\"ps22919 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">culture. The key purpose of the operational risk management <span class=\"f ps2\"> </span></span></div><div class=\"ps22920 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">framework is to define the policies and practices that provide <span class=\"f ps2\"> </span></span></div><div class=\"ps22921 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">the foundation for a structured and integrated approach to <span class=\"f ps2\"> </span></span></div><div class=\"ps22922 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">identify, assess, mitigate/manage, monitor and report on <span class=\"f ps2\"> </span></span></div><div class=\"ps22923 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">operational risks.<span class=\"f ps2\"> </span></span></div><div class=\"ps22925 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The key operational risk practices are as follows:<span class=\"f ps2\"> </span></span></div><div class=\"ps22943 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:78.75pt\"></td><td style=\"padding:0;width:399pt\"></td></tr><tr style=\"height:12.75pt\"><td colspan=\"3\" style=\"background-color:#242b39;padding:0\"><div class=\"ps19 ss2340\"><div><div class=\"ps774 ss67\"><span class=\"f charStyle-cd36821c ps7\">Identify and assess<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:68.25pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps22926 ss2364\"><div><div class=\"ps2632 ss146\"><span class=\"f charStyle-b7f6e8e5 ps7\">Risk and control <span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss146\"><span class=\"f charStyle-b7f6e8e5 ps7\">assessments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#e5ebed;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps22930 ss2365\"><div><div class=\"ps29 ss283\"><span class=\"f charStyle-33e1c6d6 ps680\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps681\">Risk and control assessments are forward-looking, qualitative assessments of inherent and residual risk <span class=\"f ps2\"> </span></span></div><div class=\"ps312 ss283\"><span class=\"f charStyle-33e1c6d6 ps681\">that are performed on key business processes using a centrally defined risk framework<span class=\"f ps2\"> </span></span></div><div class=\"ps22927 ss283\"><span class=\"f charStyle-33e1c6d6 ps680\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps681\">These assessments enable business to identify, manage and monitor operational risks, incorporating <span class=\"f ps2\"> </span></span></div><div class=\"ps22928 ss283\"><span class=\"f charStyle-33e1c6d6 ps681\">other elements of the operational risk management framework such as risk events and key indicators<span class=\"f ps2\"> </span></span></div><div class=\"ps22929 ss283\"><span class=\"f charStyle-33e1c6d6 ps680\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps681\">Detailed control evaluations are performed, and action plans developed and implemented where </span></div><div class=\"ps519 ss283\"><span class=\"f charStyle-33e1c6d6 ps681\">necessary to ensure that risk exposure is managed within acceptable levels.<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:59.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22931 ss2366\"><div><div class=\"ps2632 ss146\"><span class=\"f charStyle-b7f6e8e5 ps7\">Internal risk <span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss146\"><span class=\"f charStyle-b7f6e8e5 ps7\">events<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#e5ebed;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22932 ss2367\"><div><div class=\"ps29 ss283\"><span class=\"f charStyle-33e1c6d6 ps680\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps681\">Internal risk events provide an objective source of information relating to failures in the control <span class=\"f ps2\"> </span></span></div><div class=\"ps312 ss283\"><span class=\"f charStyle-33e1c6d6 ps681\">environment<span class=\"f ps2\"> </span></span></div><div class=\"ps22927 ss283\"><span class=\"f charStyle-33e1c6d6 ps680\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps681\">The tracking of internal risk event data provides an opportunity to improve the control environment <span class=\"f ps2\"> </span></span></div><div class=\"ps22928 ss283\"><span class=\"f charStyle-33e1c6d6 ps681\">and\u00a0to minimise the occurrence of future risk events<span class=\"f ps2\"> </span></span></div><div class=\"ps22929 ss283\"><span class=\"f charStyle-33e1c6d6 ps680\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps681\">In addition, internal risk event data is used as a direct input into the Pillar II capital modelling process.</span></div></div></div></td></tr><tr style=\"height:59.25pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps22933 ss2366\"><div><div class=\"ps2632 ss146\"><span class=\"f charStyle-b7f6e8e5 ps7\">External risk events<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#e5ebed;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22936 ss2367\"><div><div class=\"ps29 ss283\"><span class=\"f charStyle-33e1c6d6 ps680\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps681\">External risk events are operational risk related events originating outside the organisation<span class=\"f ps2\"> </span></span></div><div class=\"ps22934 ss283\"><span class=\"f charStyle-33e1c6d6 ps680\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps681\">The Group is an active member of a global external data service used to benchmark our internal risk <span class=\"f ps2\"> </span></span></div><div class=\"ps22927 ss283\"><span class=\"f charStyle-33e1c6d6 ps681\">event data against other local and international financial service organisations<span class=\"f ps2\"> </span></span></div><div class=\"ps22935 ss283\"><span class=\"f charStyle-33e1c6d6 ps680\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps681\">The external data is analysed to enhance the control environment, inform scenario analysis and provide <span class=\"f ps2\"> </span></span></div><div class=\"ps22929 ss283\"><span class=\"f charStyle-33e1c6d6 ps681\">insight into emerging operational risks.<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"background-color:#242b39;padding:0\"></td><td colspan=\"2\" style=\"background-color:#242b39;padding:0\"><div class=\"ps22937 ss2368\"><div><div class=\"ps774 ss1718\"><span class=\"f charStyle-cd36821c ps7\">Mitigate/manage<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:56.25pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps293 ss2369\"><div><div class=\"ps2632 ss146\"><span class=\"f charStyle-b7f6e8e5 ps7\">Risk exposures<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#e5ebed;padding:0\"><div class=\"ps22939 ss2370\"><div><div class=\"ps29 ss283\"><span class=\"f charStyle-33e1c6d6 ps680\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps681\">Risk exposures are identified through the operational risk management processes, including but not <span class=\"f ps2\"> </span></span></div><div class=\"ps312 ss283\"><span class=\"f charStyle-33e1c6d6 ps681\">limited to risk assessments, internal risk events, key indicators and audit findings<span class=\"f ps2\"> </span></span></div><div class=\"ps22927 ss283\"><span class=\"f charStyle-33e1c6d6 ps680\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps681\">Residual risk exposure is evaluated in terms of the Group\u2019s risk appetite and mitigated where necessary <span class=\"f ps2\"> </span></span></div><div class=\"ps22928 ss283\"><span class=\"f charStyle-33e1c6d6 ps681\">by improving the control environment, transferring through insurance, terminating the relevant business <span class=\"f ps2\"> </span></span></div><div class=\"ps22938 ss283\"><span class=\"f charStyle-33e1c6d6 ps681\">activity or accepting the risk exposure for a period of time subject to formal approval and monitoring.<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"background-color:#242b39;padding:0\"></td><td colspan=\"2\" style=\"background-color:#242b39;padding:0\"><div class=\"ps22940 ss2368\"><div><div class=\"ps774 ss1718\"><span class=\"f charStyle-cd36821c ps7\">Monitor<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:26.25pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22941 ss2371\"><div><div class=\"ps2632 ss146\"><span class=\"f charStyle-b7f6e8e5 ps7\">Key risk indicators<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#e5ebed;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22942 ss2372\"><div><div class=\"ps29 ss283\"><span class=\"f charStyle-33e1c6d6 ps680\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps681\">Indicators are metrics used to monitor risk exposures against identified thresholds<span class=\"f ps2\"> </span></span></div><div class=\"ps22934 ss283\"><span class=\"f charStyle-33e1c6d6 ps680\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps681\">The output provides predictive capability in assessing the risk profile of the business.<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps4165 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-7af6125e ps23\">Year in review<span class=\"f ps2\"> </span></span></div><div class=\"ps5816 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">During the year the Group </span><span class=\"f charStyle-68c7bd0e ps22944\">remained focused on the management </span></div><div class=\"ps5817 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">of the following key operational risks:</span></div><div class=\"ps10628 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2f827a38 ps23\">Business disruption and operational resilience risk </span></div><div class=\"ps22945 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-68c7bd0e ps461\">Investec's resilience capabilities are regularly exercised\u00a0through </span></div><div class=\"ps22946 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps461\">rigorous testing against severe but\u00a0plausible\u00a0scenarios</span></div><div class=\"ps22947 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-68c7bd0e ps461\">Significant planning and testing have been performed to ensure </span></div><div class=\"ps22948 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps461\">recovery time objectives and impact tolerances are achievable </span></div><div class=\"ps22949 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps461\">and mitigate against client harm and maintain overall </span></div><div class=\"ps22950 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps461\">operational soundness and safety</span></div><div class=\"ps22951 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-68c7bd0e ps461\">We remain actively involved with key industry regulatory </span></div><div class=\"ps22952 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps461\">bodies, participating in relevant discussions, testing exercises </span></div><div class=\"ps22953 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps461\">and initiatives</span></div><div class=\"ps22954 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-68c7bd0e ps461\">Investec remains committed to upholding global regulatory </span></div><div class=\"ps22955 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps461\">requirements for operational resilience, whilst delivering value </span></div><div class=\"ps22956 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps461\">to our stakeholders.</span></div><div class=\"ps21594 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2f827a38 ps23\">Information security and cyber risk</span></div><div class=\"ps22957 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-68c7bd0e ps461\">Information and cyber security remained a key focus for the </span></div><div class=\"ps22958 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps461\">Group, amid the increasingly dynamic and sophisticated threat </span></div><div class=\"ps22959 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps461\">environment </span></div><div class=\"ps22960 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-68c7bd0e ps461\">The use of AI by threat actors continued to increase, including </span></div><div class=\"ps22961 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps461\">more advanced social engineering, impersonation, and </span></div><div class=\"ps22962 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps461\">deepfake-enabled fraud. The Group strengthened prevention, </span></div><div class=\"ps22963 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps461\">detection, and response capabilities, supported by enhanced </span></div><div class=\"ps22964 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps461\">employee awareness</span></div><div class=\"ps22965 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-68c7bd0e ps461\">Heightened geopolitical uncertainty and its potential impact on </span></div><div class=\"ps22966 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps461\">the cyber threat landscape were actively monitored. Scenario-</span></div><div class=\"ps22967 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps461\">based simulations and independent testing were conducted to </span></div><div class=\"ps22968 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps461\">assess the effectiveness of cyber defences and incident </span></div><div class=\"ps22969 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps461\">response capabilities</span></div><div class=\"ps22970 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-68c7bd0e ps461\">The Group maintained a strong cyber security posture </span></div><div class=\"ps22971 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps461\">throughout the year, supported by ongoing investment in </span></div><div class=\"ps22972 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps461\">security capabilities, monitoring and governance, and continued </span></div><div class=\"ps22973 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps461\">to be rated favourably relative to industry peers.</span></div><div class=\"ps22974 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2f827a38 ps23\">Technology risk</span></div><div class=\"ps22975 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-68c7bd0e ps461\">The Group continued to progress major technology </span></div><div class=\"ps22976 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps461\">modernisation and digital transformation initiatives, increasing </span></div><div class=\"ps22977 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps461\">the pace of change across core platforms and infrastructure. </span></div><div class=\"ps22978 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps461\">Risk management focused on maintaining stability, resilience, </span></div><div class=\"ps22979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps461\">and control as change was delivered</span></div><div class=\"ps7784 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-68c7bd0e ps461\">Operational resilience was a key area of focus, with enhanced </span></div><div class=\"ps22980 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps461\">monitoring, incident management and recovery capabilities </span></div><div class=\"ps22981 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps461\">supporting the timely identification and resolution of disruptions </span></div><div class=\"ps22982 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps461\">across critical services, including cloud-based and third-party </span></div><div class=\"ps22983 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps461\">services. This remained particularly important given the </span></div><div class=\"ps22984 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps461\">financial sector\u2019s growing dependence on a concentrated set of </span></div><div class=\"ps22985 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps461\">technology and cloud providers</span></div><div class=\"ps22986 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-68c7bd0e ps461\">Technology and security risk management continued to be </span></div><div class=\"ps22987 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps461\">shaped by increasing regulatory expectations, including </span></div><div class=\"ps22988 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps461\">growing complexity across jurisdictions and greater </span></div><div class=\"ps22989 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps461\">convergence across related risk disciplines</span></div><div class=\"ps22990 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-68c7bd0e ps461\">Rapid advances in digital technologies, particularly generative </span></div><div class=\"ps22991 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps461\">AI, were closely monitored. The Group continued to strengthen </span></div><div class=\"ps22992 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps461\">governance and risk management to support the responsible </span></div><div class=\"ps22993 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps461\">and secure adoption of AI, alongside ongoing improvements in </span></div><div class=\"ps22994 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps461\">data governance and management.</span></div><div class=\"ps22995 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2f827a38 ps23\">Third party risk</span></div><div class=\"ps22996 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-68c7bd0e ps461\">As the Group continued to progress its strategic modernisation </span></div><div class=\"ps22997 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps461\">initiatives and cloud-first approach, reliance on third-party </span></div><div class=\"ps22998 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps461\">providers continued to increase. Focus remained on managing </span></div><div class=\"ps22999 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps461\">the associated operational, resilience and security risks, while </span></div><div class=\"ps23000 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps461\">improving exit readiness for critical arrangements</span></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-68c7bd0e ps663\">Governance and oversight of outsourced and third-party </span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps663\">arrangements were strengthened during the year, supported by </span></div><div class=\"ps701 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps663\">enhanced due diligence, committee oversight, and continuous </span></div><div class=\"ps702 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps663\">monitoring practices aligned to evolving regulatory </span></div><div class=\"ps3313 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps663\">expectations</span></div><div class=\"ps5191 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-68c7bd0e ps663\">Concentration risk remained a key area of focus, reflecting </span></div><div class=\"ps23001 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps663\">growing dependence on a relatively concentrated set of </span></div><div class=\"ps23002 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps663\">technology and cloud providers. Globally significant disruptions </span></div><div class=\"ps23003 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps663\">at major providers were observed during the year, highlighting </span></div><div class=\"ps23004 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps663\">the broader ripple effects that provider issues can have across </span></div><div class=\"ps23005 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps663\">the sector</span></div><div class=\"ps9022 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-68c7bd0e ps663\">Understanding fourth party and supply-chain dependencies </span></div><div class=\"ps9023 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps663\">became increasingly important during the year, including where </span></div><div class=\"ps23006 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps663\">key third parties operate, how services are delivered and where </span></div><div class=\"ps23007 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps663\">material dependencies may create exposure to country and </span></div><div class=\"ps23008 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps663\">geopolitical risks</span></div><div class=\"ps23009 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-68c7bd0e ps663\">The growing use of AI by third parties was closely monitored, </span></div><div class=\"ps23010 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps663\">with consideration given to the potential implications for data </span></div><div class=\"ps21544 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps663\">security, model integrity, and regulatory compliance.</span></div><div class=\"ps9027 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2f827a38 ps74\">Processing and execution risk</span></div><div class=\"ps22789 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-68c7bd0e ps663\">Processing and execution risks identified through internal risk </span></div><div class=\"ps22790 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps663\">event monitoring remain a significant operational risk theme </span></div><div class=\"ps23011 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps663\">due to the frequency and monetary impact of reported </span></div><div class=\"ps23012 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps663\">operational risk loss events</span></div><div class=\"ps23013 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-68c7bd0e ps663\">Loss events have been observed across various processes, </span></div><div class=\"ps23014 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps663\">predominantly resulting from factors such as unintentional </span></div><div class=\"ps23015 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps663\">human error, ineffective change management, inadequate </span></div><div class=\"ps23016 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps663\">process design, and insufficient management oversight</span></div><div class=\"ps23017 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-68c7bd0e ps663\">Operational risk loss events are thoroughly investigated and </span></div><div class=\"ps23018 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps663\">appropriate actions are taken to improve controls</span></div><div class=\"ps23019 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-68c7bd0e ps663\">Despite the Group's commitment to digitalisation, there is still a </span></div><div class=\"ps23020 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps663\">reliance on manual processes. When automation is not possible, </span></div><div class=\"ps23021 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps663\">process redesign is undertaken to address control gaps. </span></div><div class=\"ps23022 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps663\">Additionally, there is a strong emphasis on monitoring key </span></div><div class=\"ps23023 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps663\">controls through collaborative assurance initiatives</span></div><div class=\"ps23024 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-68c7bd0e ps663\">Every effort is made to minimise the impact of processing and </span></div><div class=\"ps23025 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps663\">execution risks on clients by promptly implementing recovery </span></div><div class=\"ps23026 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps663\">measures.</span></div><div class=\"ps19620 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2f827a38 ps74\">External fraud risk</span></div><div class=\"ps23027 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-68c7bd0e ps663\">During the year the Group remained focused on increasing </span></div><div class=\"ps23028 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps663\">stringent fraud prevention and detection controls which are </span></div><div class=\"ps23029 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps663\">enhanced on an ongoing basis in response to increased fraud </span></div><div class=\"ps23030 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps663\">losses due to existing and emerging modus operandi</span></div><div class=\"ps23031 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-68c7bd0e ps663\">An increase in Phishing, Vishing, Smishing and Business Email </span></div><div class=\"ps23032 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps663\">Compromise fraud has been noted during the year, indicating a </span></div><div class=\"ps23033 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps663\">shift in tactics used by perpetrators.</span></div><div class=\"ps23034 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-68c7bd0e ps663\">Card not present fraud remains the largest category of fraud </span></div><div class=\"ps23035 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps663\">affecting the Group</span></div><div class=\"ps23036 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-68c7bd0e ps663\">Ongoing collaboration with the industry assists with improving </span></div><div class=\"ps23037 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps663\">fraud prevention and facilitates the recovery of misappropriated </span></div><div class=\"ps23038 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps663\">funds. Both internal and external awareness campaigns have </span></div><div class=\"ps23039 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps663\">contributed to a reduction in certain fraud types.</span></div><div class=\"ps23040 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-7af6125e ps74\">Insurance<span id=\"i39314c03d9ad4b099f6f32f49bd2a788_4777\"></span></span></div><div class=\"ps23042 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps74\">The Group </span><span class=\"f charStyle-68c7bd0e ps23041\">maintains adequate insurance to cover key insurable </span></div><div class=\"ps23043 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps74\">risks. The insurance process and requirements are managed by </span></div><div class=\"ps23044 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps74\">the Group insurance risk manager. Regular interaction between </span></div><div class=\"ps21633 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps74\">operational risk management and insurance risk management </span></div><div class=\"ps21634 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps74\">ensures that there is an exchange of information in order to </span></div><div class=\"ps21635 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps74\">enhance the mitigation of operational risk.</span></div><div class=\"ps23045 ss8\"><div class=\"ss222 ws0 ps89\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:18pt\"></td><td style=\"padding:0;width:216.75pt\"></td></tr><tr style=\"height:41.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss632\"><div><div class=\"ps28 ss41\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Page_references.svg\" id=\"i-237\" src=\"data:image/svg+xml;base64,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\" style=\"height:15.59pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps2716 ss2373\"><div><div class=\"ps2632 ss136\"><span class=\"f charStyle-2e616cac ps7\">Please refer to pages 86 to 90 of the Investec Group's 2026 <span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss136\"><span class=\"f charStyle-2e616cac ps7\">risk and governance report for additional information regarding <span class=\"f ps2\"> </span></span></div><div class=\"ps5431 ss136\"><span class=\"f charStyle-2e616cac ps7\">regulatory and compliance risk, reputational risk, legal risk, and <span class=\"f ps2\"> </span></span></div><div class=\"ps5432 ss136\"><span class=\"f charStyle-2e616cac ps7\">financial reporting and tax risk.<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps181 ss8\"><div class=\"ss222 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:20.25pt\"></td><td style=\"padding:0;width:214.5pt\"></td></tr><tr style=\"height:21.75pt\"><td style=\"padding:0\"><div class=\"ps19 ss2257\"><div><div class=\"ps28 ss92\"><div class=\"ps21918\"><div class=\"ps19\"><img alt=\"Unaudited_information.svg\" id=\"i-238\" src=\"data:image/svg+xml;base64,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\" style=\"height:15.59pt;width:17.98pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps387 ss2374\"><div><div class=\"ps23046 ss601\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps7\">62</span><span class=\"f charStyle-f6a3ab10 ps123\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps12179\">Recovery and resolution planning<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23047 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The purpose of the recovery plan is to\u00a0document how the Board <span class=\"f ps2\"> </span></span></div><div class=\"ps23048 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and management will plan for Investec plc to\u00a0recover from <span class=\"f ps2\"> </span></span></div><div class=\"ps23049 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">extreme financial stress to avoid liquidity and capital difficulties. <span class=\"f ps2\"> </span></span></div><div class=\"ps23050 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The plans are reviewed and approved by\u00a0the Board on an <span class=\"f ps2\"> </span></span></div><div class=\"ps23051 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">annual basis.</span></div><div class=\"ps23052 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The recovery plan: <span class=\"f ps2\"> </span></span></div><div class=\"ps23053 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Identifies roles and responsibilities</span></div><div class=\"ps23054 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Identifies early warning indicators and trigger levels<span class=\"f ps2\"> </span></span></div><div class=\"ps23055 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Analyses how the Group could be affected by the stresses <span class=\"f ps2\"> </span></span></div><div class=\"ps23056 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">under various scenarios<span class=\"f ps2\"> </span></span></div><div class=\"ps23057 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Includes potential recovery actions available to the Board and <span class=\"f ps2\"> </span></span></div><div class=\"ps23058 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">management to respond to the situation, including immediate, </span></div><div class=\"ps23059 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">intermediate and strategic actions </span></div><div class=\"ps23060 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Identify the recovery capacity available to avoid resolution </span></div><div class=\"ps23061 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">actions</span></div><div class=\"ps23062 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Integrates with existing contingency planning</span></div><div class=\"ps23063 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Run externally facilitated simulations or\u00a0fire drill exercises as </span></div><div class=\"ps23064 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">required by the regulations.</span></div><div class=\"ps23065 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Bank Recovery and Resolution Directive (BRRD) was </span></div><div class=\"ps23066 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">implemented in the UK via the UK Banking Act 2009. It was </span></div><div class=\"ps23067 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">amended by the BRRD (Amendment) (EU\u00a0Exit) Regulation 2020, </span></div><div class=\"ps23068 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">which implemented into UK law certain amendments to the </span></div><div class=\"ps23069 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">BRRD that were required to be implemented prior to the UK </span></div><div class=\"ps23070 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">leaving the EU.</span></div><div class=\"ps23071 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The BoE, the UK resolution authority has the power to intervene </span></div><div class=\"ps23072 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">in and resolve a financial institution that is no longer viable. This <span class=\"f ps2\"> </span></span></div><div class=\"ps23073 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">is achieved through the use of various resolution tools, including </span></div><div class=\"ps23074 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the transfer of business and creditor-financed recapitalisation </span></div><div class=\"ps23075 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">(bail-in within resolution) that allocates losses to shareholders </span></div><div class=\"ps23076 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and unsecured and uninsured creditors in their order of </span></div><div class=\"ps23077 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">seniority, at a regulator-determined point of non-viability that <span class=\"f ps2\"> </span></span></div><div class=\"ps23078 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">may precede insolvency.</span></div><div class=\"ps23079 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The PRA rules require authorised institutions to draw up </span></div><div class=\"ps23080 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recovery plans and resolution packs. Recovery plans are </span></div><div class=\"ps23081 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">designed to outline credible recovery options that authorised </span></div><div class=\"ps23082 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">institutions could implement in the event of severe stress in <span class=\"f ps2\"> </span></span></div><div class=\"ps23083 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">order to restore their business to a stable and sustainable </span></div><div class=\"ps23084 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">condition. The resolution pack contains detailed information on </span></div><div class=\"ps23085 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the services provided, as well as the structure and operation of </span></div><div class=\"ps23086 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the authorised institution in question, which will be used by the </span></div><div class=\"ps23087 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">BoE to\u00a0develop resolution strategies for that specific institution, </span></div><div class=\"ps23088 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">assess its current level of resolvability against the strategy and </span></div><div class=\"ps23089 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">to inform work on identifying barriers to the implementation of </span></div><div class=\"ps23090 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">operational resolution plans.</span></div><div class=\"ps23047 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">In line with PRA and onshored EU requirements, Investec plc </span></div><div class=\"ps23048 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">maintains a resolution pack and a recovery plan. Even though </span></div><div class=\"ps23049 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">the recovery plan is framed at Investec plc level, given that IBP </span></div><div class=\"ps23050 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">constitutes 80% of Investec plc\u2019s balance sheet, the focus of </span></div><div class=\"ps23051 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">this document is the recovery of IBP and the protection of its </span></div><div class=\"ps23091 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">depositors and other clients. In the UK, the contingency funding </span></div><div class=\"ps23092 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">plan is included in the recovery plan and details the actions that </span></div><div class=\"ps23053 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">can be taken in the event of a liquidity stress.</span></div><div class=\"ps23054 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Similarly, the resolution pack is drafted for Investec plc. As </span></div><div class=\"ps23093 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Investec plc is an approved UK Financial Holding Company </span></div><div class=\"ps23094 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">(FHC) and IBP is its most significant entity, the Investec plc </span></div><div class=\"ps23095 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">resolution strategy is expected to be driven and determined by </span></div><div class=\"ps23057 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">IBP\u2019s resolution strategy. The resolution pack contains essential </span></div><div class=\"ps23058 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">information that enables regulators to understand the firm\u2019s </span></div><div class=\"ps23059 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">structure, operations and potential resolution strategies. </span></div><div class=\"ps23060 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">The BoE confirmed in a letter dated 19 December 2025 that the </span></div><div class=\"ps23061 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">preferred resolution strategy for Investec plc would remain as </span></div><div class=\"ps23096 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">bail-in, with Investec plc and IBP as a material subsidiary, </span></div><div class=\"ps23098 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">subject to a binding MREL requirement. </span><span class=\"f charStyle-33e1c6d6 ps23097\">The MREL transition </span></div><div class=\"ps23063 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">commenced 1\u00a0January 2026 in a phased manner with end-state </span></div><div class=\"ps23064 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">MREL applying from 1 January 2032. Any additional MREL </span></div><div class=\"ps23099 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">requirements will be met over time as part of increasing </span></div><div class=\"ps23100 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">wholesale market issuance from the existing established base, </span></div><div class=\"ps23101 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">and we will continue to evaluate issuance opportunities in the </span></div><div class=\"ps23102 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">near term as part of this glide path. </span></div><div class=\"ps23069 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">As of 31 March 2026, the interim MREL requirement (including </span></div><div class=\"ps23070 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">the combined buffer requirement) for Investec plc is </span><span class=\"f charStyle-33e1c6d6 ps23103\">12.4%</span><span class=\"f charStyle-33e1c6d6 ps23104\">, </span></div><div class=\"ps23105 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">comprising 8% of Pillar 1 minimum requirement, 0.52% Pillar 2A </span></div><div class=\"ps23108 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">requirement and </span><span class=\"f charStyle-33e1c6d6 ps23106\">3.9%</span><span class=\"f charStyle-33e1c6d6 ps23107\"> combined buffer requirement (2.5% </span></div><div class=\"ps23111 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Capital Conservation Buffer and </span><span class=\"f charStyle-33e1c6d6 ps23109\">1.4%</span><span class=\"f charStyle-33e1c6d6 ps23110\"> Countercyclical Capital </span></div><div class=\"ps23112 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Buffer). Given that the same CET1 resources cannot be used to </span></div><div class=\"ps23113 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">meet both MREL requirements and capital buffers </span></div><div class=\"ps23114 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">simultaneously, compliance is assessed against a combined </span></div><div class=\"ps23115 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">measure of MREL requirements and combined buffer </span></div><div class=\"ps23116 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">requirements. </span></div><div class=\"ps23117 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Based on 31 March 2026 RWAs, the estimated end-state MREL </span></div><div class=\"ps23118 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">requirement\u00a0 (including the combined buffer requirement) at </span></div><div class=\"ps23121 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">January 2032 for Investec plc would be </span><span class=\"f charStyle-33e1c6d6 ps23119\">20.9%</span><span class=\"f charStyle-33e1c6d6 ps23120\">, comprising 2 x </span></div><div class=\"ps23124 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">(8% Pillar 1 minimum requirement plus </span><span class=\"f charStyle-33e1c6d6 ps23122\">0.52%</span><span class=\"f charStyle-33e1c6d6 ps23123\"> Pillar 2A </span></div><div class=\"ps23127 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">requirement) and </span><span class=\"f charStyle-33e1c6d6 ps23125\">3.9%</span><span class=\"f charStyle-33e1c6d6 ps23126\"> combined buffer requirement.</span></div><div class=\"ps23084 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">As a bail-in firm, Investec plc has come into scope of the BoE\u2019s </span></div><div class=\"ps23085 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">RAF and will be required to achieve the three resolvability </span></div><div class=\"ps23086 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">outcomes by 1 July 2027. Investec plc is committed to ensuring </span></div><div class=\"ps23087 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">its resolution capabilities meet the required regulatory </span></div><div class=\"ps23088 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">standards. </span></div><div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_457\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">63<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15781\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15782\">Capital management and allocation<span class=\"f ps2\"> </span><span id=\"i283a065ee6314f40a85b8c13c45a2235_18401\"></span></span></div><div class=\"ps23132 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-7a1d24f9 ps23\">The content presented within this section is unaudited unless denoted with the following <span class=\"f ps2\"> </span></span><div class=\"ps23131\"><div class=\"ps19\"><img alt=\"Audited_Yes_Black.png\" id=\"i-239\" 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\" style=\"height:15.79pt;width:18pt\"/></div></div></div><div class=\"ps23135 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23133\"> </span><span class=\"f charStyle-b9f48ea1 ps23134\">Overview<span class=\"f ps2\"> </span></span><div class=\"ps14\"><div class=\"ps19\"><img alt=\"Audited_Yes_Black.png\" id=\"i-240\" src=\"data:image/png;base64,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\" style=\"height:15.79pt;width:18pt\"/></div></div></div><div class=\"ps23136 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec plc is an approved UK Financial Holding Company (FHC), responsible for ensuring compliance with consolidated prudential <span class=\"f ps2\"> </span></span></div><div class=\"ps23137 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">requirements on a consolidated basis. Investec Bank plc, the main banking subsidiary of the Investec plc Group, continues to be </span></div><div class=\"ps23138 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">authorised by the PRA and regulated by the FCA and the PRA. Investec plc calculates capital resources and requirements using <span class=\"f ps2\"> </span></span></div><div class=\"ps23139 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the\u00a0Basel III framework, as implemented in the European Union through the CRR and CRD IV, as amended by CRR II and CRD V. </span></div><div class=\"ps23140 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Following the end of the Brexit transitional period, the EU rules (including binding technical standards) were onshored and now </span></div><div class=\"ps23141 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">form part of domestic law in the UK by virtue of the European Union (Withdrawal) Act 2018. </span></div><div class=\"ps23142 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec plc applies the Standardised Approach to calculate credit risk and counterparty credit risk (CCR), credit valuation </span></div><div class=\"ps23143 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">adjustment (CVA) risk, securitisation risk, operational risk and market risk capital requirements. Since 1\u00a0January\u00a02022, Investec plc </span></div><div class=\"ps23144 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">adopted the outstanding CRR II changes to be implemented in the UK, most notably the new Standardised Approach for measuring </span></div><div class=\"ps23145 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Counterparty Credit Risk (SA-CCR) and changes to the large exposure regime.</span></div><div class=\"ps23146 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Subsidiaries of Investec plc may be subject to additional regulations as implemented by local regulators in their respective </span></div><div class=\"ps23147 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">jurisdictions. Where capital is a relevant consideration, management within each regulated entity pays close attention to prevailing </span></div><div class=\"ps23148 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">local regulatory rules as determined by their respective regulators. </span></div><div class=\"ps23149 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">A summary of capital adequacy and leverage ratios</span></div><div class=\"ps23167 ss8\"><div class=\"ss125 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:354.75pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #929292;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #929292;padding:0\"><div class=\"ps15826 ss1771\"><div><div class=\"ps809 ss1767\"><span class=\"f charStyle-a26246ce ps10065\">31 March 2026*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #929292;padding:0\"><div class=\"ps15828 ss1961\"><div><div class=\"ps809 ss1810\"><span class=\"f charStyle-8d4b9b37 ps23150\">31 March 2025*<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.5pt solid #929292;padding:0\"><div class=\"ps816 ss2375\"><div><div class=\"ps2754 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Common Equity Tier 1 ratio**<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #929292;padding:0\"><div class=\"ps23151 ss2376\"><div><div class=\"ps2754 ss1767\"><span class=\"f charStyle-2b0f4fe0 ps12195\">12.6%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #929292;padding:0\"><div class=\"ps23152 ss2377\"><div><div class=\"ps2754 ss1810\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps11956\"></span><span class=\"ps11956\">12.3%</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps3722 ss2375\"><div><div class=\"ps2754 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Tier 1 ratio**<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23153 ss2376\"><div><div class=\"ps2754 ss1767\"><span class=\"f charStyle-2b0f4fe0 ps884\">14.3%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps23154 ss2377\"><div><div class=\"ps2754 ss1810\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps15344\"></span><span class=\"ps15344\">14.1%</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps3449 ss2375\"><div><div class=\"ps2754 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Total Capital ratio**<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23156 ss2376\"><div><div class=\"ps2754 ss1767\"><span class=\"f charStyle-2b0f4fe0 ps23155\">17.9%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps23157 ss2377\"><div><div class=\"ps2754 ss1810\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps17503\"></span><span class=\"ps17503\">17.8%</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps6433 ss2375\"><div><div class=\"ps2754 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Risk weighted assets (\u00a3'million)**<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23158 ss2376\"><div><div class=\"ps2754 ss1767\"><span class=\"f charStyle-2b0f4fe0 ps5503\">20\u00a0380<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps23159 ss2377\"><div><div class=\"ps2754 ss1810\"><span class=\"f charStyle-2b0f4fe0 ps12369\">19\u00a0221<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps4077 ss2375\"><div><div class=\"ps2754 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Leverage exposure measure (\u00a3'million)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23160 ss2376\"><div><div class=\"ps2754 ss1767\"><span class=\"f charStyle-2b0f4fe0 ps18415\">32\u00a0021<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps23162 ss2377\"><div><div class=\"ps2754 ss1810\"><span class=\"f charStyle-2b0f4fe0 ps23161\">28\u00a0089<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #6d6d6d;padding:0\"><div class=\"ps192 ss2375\"><div><div class=\"ps2754 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Leverage ratio**<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #6d6d6d;padding:0\"><div class=\"ps23164 ss2376\"><div><div class=\"ps2754 ss1767\"><span class=\"f charStyle-2b0f4fe0 ps23163\">9.1%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #6d6d6d;padding:0\"><div class=\"ps23166 ss2377\"><div><div class=\"ps2754 ss1810\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps23165\"></span><span class=\"ps23165\">9.6%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23168 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">The capital adequacy and leverage disclosures for Investec plc include the deduction of foreseeable charges and dividends when calculating CET1 and Tier 1 capital. </span></span></div><div class=\"ps23169 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">These disclosures differ from the disclosures included in Investec Group\u2019s year-end results booklet 2026, which follow our normal basis of presentation and do not </span></div><div class=\"ps23170 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">include this deduction. Investec plc\u2019s CET1 ratio would be 37bps (31 March 2025: 33bps) and the leverage ratio 24bps (31 March 2025: 23bps) higher, on this basis. </span></div><div class=\"ps23171 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">**<span style=\"display:inline-block;height:5.81pt;width:8.17pt\"></span></span><span class=\"ps968\">The March 2025 CET1, Tier 1, total capital and leverage ratios, and risk weighted assets (RWAs) have been calculated applying the IFRS 9 transitional arrangements. </span></span></div><div class=\"ps23172 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">Effective from 1 April 2025, IFRS 9 transitional arrangements ceased to apply, with all subsequent ratios presented on a fully loaded basis. </span></div><div class=\"ps23174 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23133\"> </span><span class=\"f charStyle-b9f48ea1 ps23134\">Philosophy and approach</span><div class=\"ps14\"><div class=\"ps19\"><img alt=\"Audited_Yes_Black.png\" id=\"i-241\" src=\"data:image/png;base64,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\" style=\"height:15.79pt;width:18pt\"/></div></div></div><div class=\"ps23175 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec plc Group\u2019s approach to capital management utilises </span></div><div class=\"ps23176 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">both regulatory capital as appropriate to that jurisdiction and </span></div><div class=\"ps23177 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">internal capital, which is an internal risk-based assessment of </span></div><div class=\"ps23178 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">capital requirements. Capital management primarily relates to </span></div><div class=\"ps23179 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">management of the interaction of both, with the emphasis on </span></div><div class=\"ps23180 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">regulatory capital for managing portfolio-level capital </span></div><div class=\"ps23181 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sufficiency and on internal capital for ensuring that returns are </span></div><div class=\"ps23182 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">appropriate given the level of risk taken at an individual </span></div><div class=\"ps23183 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">transaction or business unit level.</span></div><div class=\"ps23184 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">We intend to maintain a sufficient level of capital to satisfy </span></div><div class=\"ps23185 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">regulatory requirements and our internal target ratios. On a </span></div><div class=\"ps23186 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">consolidated basis for Investec plc and Investec Limited, we </span></div><div class=\"ps23187 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">target a Total Capital ratio range of between 14% and 17%, and </span></div><div class=\"ps23188 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">we target a minimum Tier 1 ratio of 11% and a CET1 ratio above </span></div><div class=\"ps23189 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">10%. </span></div><div class=\"ps23190 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The determination of target capital is driven by our risk profile, </span></div><div class=\"ps23191 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">strategy and risk appetite, taking into account the regulatory </span></div><div class=\"ps23192 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and market factors applicable to the Group. At the most </span></div><div class=\"ps23193 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">fundamental level, we seek to balance our capital consumption </span></div><div class=\"ps23194 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">between prudent capitalisation in the context of the Group\u2019s </span></div><div class=\"ps23195 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">risk profile and optimisation of shareholder returns. Our internal </span></div><div class=\"ps23196 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">capital framework is designed to manage and achieve this </span></div><div class=\"ps23197 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">balance.</span></div><div class=\"ps23198 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The internal capital framework is based on the Group\u2019s risk </span></div><div class=\"ps23199 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">identification, review and assessment processes and is used to </span></div><div class=\"ps23200 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">provide a risk-based approach to capital allocation, </span></div><div class=\"ps23201 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">performance and structuring of our balance sheet. The </span></div><div class=\"ps23202 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">objectives of the internal capital framework are to quantify the </span></div><div class=\"ps23203 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">minimum capital required to: </span></div><div class=\"ps23204 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Maintain sufficient capital to satisfy the Board\u2019s risk appetite </span></div><div class=\"ps23205 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">across all risks faced by the Group</span></div><div class=\"ps23206 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Provide protection to depositors against losses arising from </span></div><div class=\"ps23207 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">risks inherent in the business</span></div><div class=\"ps23208 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Provide sufficient capital surplus to ensure that the Group is </span></div><div class=\"ps23209 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">able to retain its going concern basis under relatively severe </span></div><div class=\"ps23210 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">operating conditions </span></div><div class=\"ps23211 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Inform the setting of minimum regulatory capital through the </span></div><div class=\"ps23212 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">ICAAP and subsequent Supervisory Review and Evaluation </span></div><div class=\"ps23213 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">Process (SREP). The ICAAP documents the approach to </span></div><div class=\"ps7168 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">capital management, including the assessment of the </span></div><div class=\"ps23214 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">regulatory and internal capital position of each Group </span></div><div class=\"ps23215 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">The ICAAP is reviewed and approved by DLC BRCC and the </span></div><div class=\"ps23216 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">Board.</span></div><div class=\"ps23217 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">The framework has been approved by the Board and is </span></div><div class=\"ps7172 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">managed by the DLC Capital Committee, which is responsible <span class=\"f ps2\"> </span></span></div><div class=\"ps23218 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">for oversight of the management of capital on a regulatory and </span></div><div class=\"ps23219 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">an internal capital basis.</span></div><div class=\"ps23220 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps4867\">Capital planning and stress/scenario testing<span id=\"i283a065ee6314f40a85b8c13c45a2235_18411\"></span></span></div><div class=\"ps23221 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">A capital plan is prepared for Investec plc and is maintained to </span></div><div class=\"ps23222 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">facilitate discussion of the impact of business strategy and </span></div><div class=\"ps23223 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">market conditions on capital adequacy. This plan is designed to </span></div><div class=\"ps23224 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">assess capital adequacy under a range of economic and </span></div><div class=\"ps23225 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">internal conditions over the medium term (three years), with the </span></div><div class=\"ps23226 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">impact on earnings, asset growth, risk appetite and liquidity </span></div><div class=\"ps23227 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">considered. The plan provides the Board with an input into </span></div><div class=\"ps23228 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">strategy and the setting of risk appetite by considering </span></div><div class=\"ps7182 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">business risks and potential vulnerabilities, capital usage and </span></div><div class=\"ps7183 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">funding requirements given constraints where these exist.</span></div></div><div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Capital plans are prepared and presented to the Capital </span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Committees on a frequent basis. The plans are updated with </span></div><div class=\"ps701 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the actual month-end position and forecast out to the end of </span></div><div class=\"ps702 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the fiscal year, taking into account updated profit and loss and </span></div><div class=\"ps3313 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">asset growth forecasts.</span></div><div class=\"ps706 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The goal of capital planning is to provide insight into potential </span></div><div class=\"ps3314 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sources of vulnerability of capital adequacy by way of market, </span></div><div class=\"ps6371 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">economic or internal events. As such, the three-year capital </span></div><div class=\"ps6372 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">plans are stressed based on conditions most likely to cause </span></div><div class=\"ps8220 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec plc duress. The conditions are agreed by the Investec </span></div><div class=\"ps8221 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">plc Capital Committee after the key vulnerabilities have been </span></div><div class=\"ps6026 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">determined through the stress testing workshops. Such plans </span></div><div class=\"ps6027 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">are used by management to formulate balance sheet strategy </span></div><div class=\"ps6028 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and agree management actions, trigger points and influence </span></div><div class=\"ps6029 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the determination of our risk appetite. At a minimum level, each </span></div><div class=\"ps6374 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">capital plan assesses the impact on our capital adequacy in an </span></div><div class=\"ps7988 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">expected case and in downturn scenarios. On the basis of the </span></div><div class=\"ps7990 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">results of\u00a0this analysis, the Investec plc Capital Committee, DLC </span></div><div class=\"ps7993 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Capital Committee and DLC BRCC are presented with the </span></div><div class=\"ps7994 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">potential variability in\u00a0capital adequacy and are responsible, in </span></div><div class=\"ps8257 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">consultation with the Board, for considering the appropriate </span></div><div class=\"ps8258 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">response.</span></div><div class=\"ps7996 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Reverse stress testing is performed annually as part of the </span></div><div class=\"ps7997 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">ICAAP process.</span></div><div class=\"ps23229 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Year in review</span></div><div class=\"ps23230 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">During the year under review, Investec plc complied with the </span></div><div class=\"ps23231 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">capital adequacy requirements imposed on it by the PRA. </span></div><div class=\"ps18287 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec plc continues to hold capital in excess of all the capital </span></div><div class=\"ps18289 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and buffer requirements. </span></div><div class=\"ps21644 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">At 31 March 2026, the CET1 ratio increased to 12.6% from </span></div><div class=\"ps21645 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">12.3% at 31 March 2025. CET1 capital increased by \u00a3211 million </span></div><div class=\"ps23232 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">to \u00a32.6 billion, mainly as a result of CET1 capital generation of </span></div><div class=\"ps23233 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u00a3340 million through profit after taxation, as well as a net </span></div><div class=\"ps23234 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">increase in other comprehensive income of \u00a366 million (which </span></div><div class=\"ps18296 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">includes the fair value increase in our investment in Ninety One </span></div><div class=\"ps18297 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of \u00a377 million), an increase of \u00a352 million in the share-based </span></div><div class=\"ps18298 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">payment adjustments and an \u00a38 million increase in equity </span></div><div class=\"ps18299 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">movements in associates and joint ventures.</span><span class=\"f charStyle-33e1c6d6 ps23235\"> </span><span class=\"f charStyle-33e1c6d6 ps23236\">These increases </span></div><div class=\"ps18300 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">are partially offset by:</span></div><div class=\"ps21649 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Dividends paid to ordinary shareholders and Additional Tier 1 </span></div><div class=\"ps21650 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">security holders of \u00a3156 million</span></div><div class=\"ps23237 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">A \u00a362 million increase in the treasury shares deduction</span></div><div class=\"ps23238 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">The reversal of gains attributable to non-financial entities </span></div><div class=\"ps23239 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">outside the regulatory scope of consolidation, partially offset </span></div><div class=\"ps23240 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">by gains arising from proportionally consolidated associates </span></div><div class=\"ps23241 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">of \u00a320 million</span></div><div class=\"ps21657 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">An increase in the foreseeable dividends and charges </span></div><div class=\"ps21658 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">deduction of \u00a313 million.</span></div><div class=\"ps23242 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">RWAs increased by 6.0% or \u00a31.2 billion to \u00a320.4 billion over the </span></div><div class=\"ps23243 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">period, predominantly within credit risk and operational risk </span></div><div class=\"ps23245 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">RWAs.</span><span class=\"f charStyle-33e1c6d6 ps23244\"> </span></div><div class=\"ps23246 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Credit risk RWAs, which includes equity risk, increased by\u00a0 </span></div><div class=\"ps23247 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u00a3948 million. The increase mainly reflects asset growth across </span></div><div class=\"ps23248 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">several areas, including Fund Finance, Growth and Acquisition </span></div><div class=\"ps23249 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Finance, Private Clients, Real Estate and Credit Investments. A </span></div><div class=\"ps23250 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">further increase of \u00a394 million, driven by asset growth, is </span></div><div class=\"ps23251 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">attributable to our holding in Rathbones, which is proportionally </span></div><div class=\"ps23252 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">consolidated.</span></div><div class=\"ps23253 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">CCR RWAs (including CVA risk) decreased by \u00a333 million </span></div><div class=\"ps23254 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">compared to 31 March 2025. The reduction in RWAs is driven by </span></div><div class=\"ps23255 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">decreases in the exposure at default across various products, </span></div><div class=\"ps23256 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">including foreign exchange contracts, equity options and interest </span></div><div class=\"ps23258 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">rate derivatives.</span><span class=\"f charStyle-33e1c6d6 ps23257\"> </span></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Market risk RWAs decreased by \u00a375 million, driven by lower </span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">foreign exchange option risk and collective investments </span></div><div class=\"ps701 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">undertaking exposures.</span></div><div class=\"ps6025 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Operational risk RWAs increased by \u00a3319 million to \u00a32.6 billion </span></div><div class=\"ps705 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">driven by a higher three-year average operating income. </span></div><div class=\"ps706 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Around two-thirds of the increase reflects IBP\u2019s regulatory </span></div><div class=\"ps3314 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">proportional share of Rathbones, with a full three years of </span></div><div class=\"ps6371 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Rathbones\u2019 gross income now included in the average.</span></div><div class=\"ps712 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-941fb8a2 ps4867\">As at 31 March 2026, the Investec plc Group exceeded the\u00a0 \u00a0 \u00a0 \u00a0 </span></div><div class=\"ps3315 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-941fb8a2 ps4867\">\u00a310 billion non-UK asset threshold under the PRA\u2019s UK leverage </span></div><div class=\"ps3316 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-941fb8a2 ps4867\">ratio framework, and is therefore expected to be classified as a </span></div><div class=\"ps6373 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-941fb8a2 ps4867\">Large Regulated Entity (LREQ) firm, introducing a minimum </span></div><div class=\"ps8274 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-941fb8a2 ps4867\">leverage ratio requirement of 3.25% (subject to PRA confirmation). </span></div><div class=\"ps6029 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">The Group's leverage ratio decreased to 9.1% from 9.6% at </span></div><div class=\"ps6374 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">31\u00a0March 2025. Tier 1 capital increased by \u00a3211 million, </span><span class=\"f charStyle-68c7bd0e ps23259\">due to </span></div><div class=\"ps7988 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">CET1 capital generation.</span></div><div class=\"ps6376 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">The leverage exposure measure increased by \u00a33.9 billion, </span></div><div class=\"ps6377 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">driven by asset growth across multiple balance sheet line </span></div><div class=\"ps6378 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">items, most notably increases in sovereign debt securities of\u00a0 \u00a0 \u00a0  </span></div><div class=\"ps6379 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u00a31.3 billion, loans and advances to customers of \u00a31 billion, </span></div><div class=\"ps7995 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">settlement debtors of \u00a3348 million, other debt securities of </span></div><div class=\"ps7996 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u00a3347 million, bank debt securities of \u00a3332 million and securities </span></div><div class=\"ps7997 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">financing transactions of \u00a3293 million.</span><span class=\"f charStyle-33e1c6d6 ps23260\"> </span></div><div class=\"ps23229 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps4867\">Minimum capital requirement</span></div><div class=\"ps23230 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">Investec plc\u2019s minimum CET1 requirement at 31 March 2026 is </span></div><div class=\"ps23231 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">8.7% comprising a 4.5% Pillar 1 minimum requirement, a 2.5% </span></div><div class=\"ps18287 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">Capital Conservation Buffer (CCB), a 0.29% Pillar 2A requirement </span></div><div class=\"ps18289 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">and a 1.4% Countercyclical Capital Buffer (CCyB). The Group\u2019s </span></div><div class=\"ps18291 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">institution-specific CCyB requirement is calculated based on the </span></div><div class=\"ps18292 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">relevant exposures held in jurisdictions in which a buffer rate has </span></div><div class=\"ps18293 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">been set. As at 31\u00a0March 2026 the UK CCyB rate is 2%.</span></div><div class=\"ps23261 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps4867\">Regulatory developments</span></div><div class=\"ps23262 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps4867\">Basel 3.1 standards</span></div><div class=\"ps23263 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-941fb8a2 ps4867\">On 20 January 2026, the PRA published the final UK Basel 3.1 </span></div><div class=\"ps23264 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-941fb8a2 ps4867\">standards covering credit risk, operational risk, credit valuation </span></div><div class=\"ps23265 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-941fb8a2 ps4867\">adjustment risk and market risk requirements. The final rules will </span></div><div class=\"ps23266 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-941fb8a2 ps4867\">take effect from 1 January 2027, with the exception of the internal </span></div><div class=\"ps23267 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-941fb8a2 ps4867\">model approach for market risk, which will come into effect on </span></div><div class=\"ps8069 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-941fb8a2 ps4867\">1\u00a0January\u00a02028. The PRA has also published its final policy </span></div><div class=\"ps8070 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-941fb8a2 ps4867\">statement on the restatement of the remaining provision of the UK </span></div><div class=\"ps8071 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-941fb8a2 ps4867\">CRR, which will also take effect on 1 January 2027. </span></div><div class=\"ps8072 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps4867\">Pillar 2A review</span></div><div class=\"ps23268 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">In May 2025, the PRA issued a consultation paper proposing </span></div><div class=\"ps23269 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">updates to the Pillar 2A methodologies and guidance. It is the </span></div><div class=\"ps23270 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">first phase of a two-stage review. The PRA previously </span></div><div class=\"ps23271 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">confirmed its intention to review the Pillar 2A methodologies in </span></div><div class=\"ps23272 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">response to the changes introduced through the PRA\u2019s </span></div><div class=\"ps23273 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">implementation of the Basel 3.1 standards. The key changes </span></div><div class=\"ps23274 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">proposed, primarily driven by the changes to the Pillar 1 credit </span></div><div class=\"ps23276 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">risk framework are:</span><span class=\"f charStyle-33e1c6d6 ps23275\"> </span></div><div class=\"ps23277 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Removal of the benchmarking methodology (including the </span></div><div class=\"ps23278 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">IRB benchmarks) </span></div><div class=\"ps23279 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Introducing two systematic methodologies to address </span></div><div class=\"ps23280 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">underestimation under Pillar 1, for exposures to central </span></div><div class=\"ps23281 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">government and central banks, regional government and </span></div><div class=\"ps23282 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">local authorities and for revolving retail exposures that are </span></div><div class=\"ps23283 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">unconditionally cancellable commitments</span></div><div class=\"ps23284 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Introducing the use of credit scenarios in the ICAAP.</span></div></div><div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">After the completion of the first phase, the PRA plans to </span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">conduct a more in-depth review of individual </span></div><div class=\"ps701 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">methodologies within Pillar 2A. The consultation closed for </span></div><div class=\"ps702 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">comment 30 September 2025, with no final policy response </span></div><div class=\"ps3313 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">issued to date.</span></div><div class=\"ps706 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">On 28 October 2025, the PRA released the near final policy </span></div><div class=\"ps3314 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">statement retiring the supervisory benchmarking-based </span></div><div class=\"ps6371 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">framework, moving away from the overarching </span></div><div class=\"ps6372 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">benchmarking-led approach to a more structured, </span></div><div class=\"ps8220 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">component based methodology aligned with Basel 3.1. </span></div><div class=\"ps8221 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Subsequently on 20 January 2026 the PRA released the </span></div><div class=\"ps6026 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">final policy statement alongside the final UK Basel 3.1 </span></div><div class=\"ps6027 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">standards, with no changes made to the final policy. The </span></div><div class=\"ps6028 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">changes take effect 1 January 2027. </span></div><div class=\"ps7987 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In September 2025, the PRA relaunched the data </span></div><div class=\"ps8276 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">collection exercise, confirming it will conduct an off-cycle </span></div><div class=\"ps6375 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">review of firm-specific Pillar 2 capital requirements ahead </span></div><div class=\"ps6376 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of the day-one implementation of Basel 3.1, with </span></div><div class=\"ps6377 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">submissions due 31 March 2026.</span></div><div class=\"ps8257 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The review seeks to address potential double counting and </span></div><div class=\"ps8258 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">unwarranted increases or decreases in capital resulting from </span></div><div class=\"ps6380 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">RWA changes under Basel 3.1. The PRA intends to apply firm-</span></div><div class=\"ps6381 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">specific structural adjustments to Pillar 2A, where appropriate, </span></div><div class=\"ps6382 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">to ensure that overall capital requirements for SME and </span></div><div class=\"ps5212 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">infrastructure lending do not increase solely due to the removal </span></div><div class=\"ps6383 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of the Pillar 1 supporting factors.</span></div><div class=\"ps8261 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">PRA 2026 priorities</span></div><div class=\"ps23285 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">On 15 January 2026, the PRA published its \u2018Dear CEO\u2019 letter </span></div><div class=\"ps22798 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">setting out its priorities for 2026. Key priorities remain </span></div><div class=\"ps22799 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">consistent with the prior year, notably strengthening risk </span></div><div class=\"ps22800 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">management, improving operational resilience, enhancing </span></div><div class=\"ps23286 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">financial resilience through capital and liquidity expectations, </span></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">strengthening data governance and reporting and managing </span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">emerging technology risks. The PRA emphasised the role of </span></div><div class=\"ps701 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">strategic risk management, focusing on the three lines of </span></div><div class=\"ps702 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">defence. Added to this, data quality remained in focus, with the </span></div><div class=\"ps3313 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">use of skilled persons reviews to persist, should weaknesses be </span></div><div class=\"ps6370 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">identified. The PRA are also signalling that RWA accuracy is a </span></div><div class=\"ps80 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">board-level responsibility. Firms must be able to demonstrate </span></div><div class=\"ps707 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">strong governance, independent validation and data integrity </span></div><div class=\"ps710 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">underpinning calculations for both the Pillar 2 reassessment </span></div><div class=\"ps712 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">exercise and Basel 3.1 implementation.</span></div><div class=\"ps8221 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps4867\">UK leverage ratio framework</span></div><div class=\"ps21175 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-941fb8a2 ps4867\">On 12 November 2025, the PRA confirmed it will increase the retail </span></div><div class=\"ps21176 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-941fb8a2 ps4867\">deposit threshold to \u00a375 billion, from \u00a350 billion previously, with </span></div><div class=\"ps19169 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-941fb8a2 ps4867\">firms\u2019 retail deposits assessed against this threshold on a three-</span></div><div class=\"ps19170 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-941fb8a2 ps4867\">year average basis. The non-UK asset threshold of \u00a310\u00a0billion </span></div><div class=\"ps19171 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-941fb8a2 ps4867\">remains unchanged. These changes took effect on </span></div><div class=\"ps19173 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-941fb8a2 ps4867\">1\u00a0January\u00a02026. </span></div><div class=\"ps22786 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps4867\">MREL</span></div><div class=\"ps21179 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">In March 2026, the PRA published a number of policy </span></div><div class=\"ps21180 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">statements and supervisory updates relating to the UK </span></div><div class=\"ps10786 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">recovery and resolution framework. This included targeted </span></div><div class=\"ps21181 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">changes to MREL reporting, streamlining certain requirements, </span></div><div class=\"ps21182 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">and an increase in the threshold for firms in scope of the </span></div><div class=\"ps21183 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Resolution Assessment framework to \u00a3100 billion in retail </span></div><div class=\"ps23287 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">deposits, therefore reducing the number of firms in scope. The </span></div><div class=\"ps23288 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">PRA also updated its expectations for recovery planning.</span></div><div class=\"ps23289 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps4867\">Pillar 3 disclosure requirement<span id=\"i283a065ee6314f40a85b8c13c45a2235_18405\"></span></span></div><div class=\"ps23290 ss8\"><div class=\"ss669 ws0 ps356\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:20.25pt\"></td><td style=\"padding:0;width:213pt\"></td></tr><tr style=\"height:32.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss1491\"><div><div class=\"ps28 ss92\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Website.svg\" id=\"i-242\" src=\"data:image/svg+xml;base64,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\" style=\"height:15.59pt;width:15.49pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps387 ss2378\"><div><div class=\"ps2632 ss696\"><span class=\"f charStyle-8bba9de6 ps7\">The 31 March 2026 Pillar 3 disclosures for the Investec plc <span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss696\"><span class=\"f charStyle-8bba9de6 ps7\">Group are published in a standalone disclosure report and can <span class=\"f ps2\"> </span></span></div><div class=\"ps5431 ss696\"><span class=\"f charStyle-8bba9de6 ps7\">be found on the Investec Group\u2019s website. <span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Capital structure </span></div><div class=\"ps22607 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:354.75pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:63pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss1901\"><div><div class=\"ps809 ss201\"><span class=\"f charStyle-a26246ce ps7\">\u00a3'million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15826 ss1771\"><div><div class=\"ps809 ss1767\"><span class=\"f charStyle-a26246ce ps10065\">31 March 2026*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15828 ss1771\"><div><div class=\"ps809 ss1767\"><span class=\"f charStyle-8d4b9b37 ps23292\">31 March 2025*<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1903\"><div><div class=\"ps997 ss201\"><span class=\"f charStyle-b7f6e8e5 ps7\">Shareholders' Equity<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23151 ss2379\"><div><div class=\"ps997 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.88pt\"></span></span><span class=\"ps23293\">3\u00a0257<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23152 ss2379\"><div><div class=\"ps997 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.93pt\"></span></span><span class=\"ps23294\">3\u00a0042<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps184 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Shareholders\u2019 equity excluding non-controlling interests<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23296 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.36pt\"></span></span><span class=\"ps23295\">3\u00a0386<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23298 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.59pt\"></span></span><span class=\"ps23297\">3\u00a0138<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9200 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Foreseeable charges and dividends<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps23300 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.65pt\"></span></span><span class=\"ps23299\">(76)</span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps23302 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.16pt\"></span></span><span class=\"ps23301\">(63)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9204 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Perpetual preference share capital and share premium<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps23304 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.41pt\"></span></span><span class=\"ps23303\">(25)</span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps23305 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.41pt\"></span></span><span class=\"ps23303\">(25)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps4003 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deconsolidation of special purpose entities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps23307 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.29pt\"></span></span><span class=\"ps23306\">(28)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps23309 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.86pt\"></span></span><span class=\"ps23308\">(8)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#f5f4f2;padding:0\"><div class=\"ps4562 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-b7f6e8e5 ps7\">Non-controlling interests<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23310 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.06pt\"></span></span><span class=\"ps13718\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f4f2;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23311 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.06pt\"></span></span><span class=\"ps13718\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9218 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Non-controlling interests per balance sheet<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23313 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:53.69pt\"></span></span><span class=\"ps23312\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23314 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:53.69pt\"></span></span><span class=\"ps23312\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9225 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Non-controlling interests excluded for regulatory purposes<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps23316 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:51.1pt\"></span></span><span class=\"ps23315\">(1)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps23317 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:51.1pt\"></span></span><span class=\"ps23315\">(1)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps220 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-b7f6e8e5 ps7\">Regulatory adjustments to the accounting basis<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23319 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.04pt\"></span></span><span class=\"ps23318\">(7)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23320 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:48.55pt\"></span></span><span class=\"ps9787\">(8)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9234 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Additional value adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23322 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:50.22pt\"></span></span><span class=\"ps23321\">(7)</span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23323 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.98pt\"></span></span><span class=\"ps15916\">(5)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9241 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cash flow hedging reserve<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps23324 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.53pt\"></span></span><span class=\"ps13705\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps23325 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.87pt\"></span></span><span class=\"ps13320\">(6)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9245 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Adjustment under IFRS 9 transitional arrangements<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps23326 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.53pt\"></span></span><span class=\"ps13705\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps23328 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:52.32pt\"></span></span><span class=\"ps23327\">3<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps3337 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-b7f6e8e5 ps7\">Deductions<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23330 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.14pt\"></span></span><span class=\"ps23329\">(679)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23331 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.01pt\"></span></span><span class=\"ps3638\">(674)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9254 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Goodwill and intangible assets net of deferred taxation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23333 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.07pt\"></span></span><span class=\"ps23332\">(678)</span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23335 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.94pt\"></span></span><span class=\"ps23334\">(673)</span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps289 ss2380\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deferred taxation assets that rely on future profitability excluding those arising from <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">temporary\u00a0difference<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps23336 ss2381\"><div><div class=\"ps469 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:51.1pt\"></span></span><span class=\"ps23315\">(1)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps23337 ss2381\"><div><div class=\"ps469 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:51.1pt\"></span></span><span class=\"ps23315\">(1)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps346 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-b7f6e8e5 ps7\">Common Equity Tier 1 capital**<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23338 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.15pt\"></span></span><span class=\"ps16862\">2\u00a0571<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23340 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.06pt\"></span></span><span class=\"ps23339\">2\u00a0360<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9700 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Additional Tier 1 instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23342 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.26pt\"></span></span><span class=\"ps23341\">350<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23343 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.26pt\"></span></span><span class=\"ps23341\">350<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9704 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-b7f6e8e5 ps7\">Tier 1 capital **<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23345 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.77pt\"></span></span><span class=\"ps23344\">2\u00a0921<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23346 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.82pt\"></span></span><span class=\"ps17609\">2\u00a0710<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9708 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-b7f6e8e5 ps7\">Tier 2 capital**<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps23348 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.22pt\"></span></span><span class=\"ps23347\">720<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps23350 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.71pt\"></span></span><span class=\"ps23349\">712<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9712 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-9458d4de ps7\">Tier 2 instruments</span><span class=\"f charStyle-70e7a25b ps23351\"><sup>^</sup></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23353 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.64pt\"></span></span><span class=\"ps23352\">720<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #929292;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23355 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:44.9pt\"></span></span><span class=\"ps23354\">712<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps4715 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total regulatory capital**<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23357 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.19pt\"></span></span><span class=\"ps23356\">3\u00a0641<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;border-top:0.5pt solid #929292;padding:0\"><div class=\"ps23358 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.37pt\"></span></span><span class=\"ps13734\">3\u00a0422<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22770 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Risk weighted assets and capital requirements</span></div><div class=\"ps23384 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:354.75pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:63pt\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps19 ss1901\"><div><div class=\"ps809 ss201\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15826 ss1771\"><div><div class=\"ps809 ss1767\"><span class=\"f charStyle-a26246ce ps10065\">31 March 2026*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15828 ss1771\"><div><div class=\"ps809 ss1767\"><span class=\"f charStyle-8d4b9b37 ps23292\">31 March 2025*<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#ececeb;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps816 ss1903\"><div><div class=\"ps997 ss201\"><span class=\"f charStyle-13225c7c ps7\">Risk weighted assets</span><span class=\"f charStyle-19493eb4 ps23363\"><span class=\"f ps2\"> </span><sup>**</sup></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23151 ss2379\"><div><div class=\"ps997 ss1767\"><span class=\"f charStyle-b7f6e8e5 ps23364\">20\u00a0380<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23152 ss2379\"><div><div class=\"ps997 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.1pt\"></span></span><span class=\"ps22361\">19\u00a0221<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps184 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23296 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0 ps23365\">16\u00a0550<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps23298 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.39pt\"></span></span><span class=\"ps23366\">15\u00a0532<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9200 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Equity risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23300 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0 ps23367\">389<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps23302 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.31pt\"></span></span><span class=\"ps23368\">459<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9204 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Counterparty credit risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23304 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0 ps2186\">426<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps23305 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:44.43pt\"></span></span><span class=\"ps23369\">461<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4003 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit valuation adjustment risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23307 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0 ps23370\">32<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps23309 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.72pt\"></span></span><span class=\"ps23371\">30<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4562 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Market risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23310 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0 ps23372\">371<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps23311 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.08pt\"></span></span><span class=\"ps23373\">446<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9218 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Operational risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23313 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0 ps23374\">2\u00a0612<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps23314 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.51pt\"></span></span><span class=\"ps15316\">2\u00a0293<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9225 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-13225c7c ps7\">Capital requirements</span><span class=\"f charStyle-19493eb4 ps23375\"><span class=\"f ps2\"> </span><sup>**</sup></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps23316 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5 ps16854\">1\u00a0630<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps23317 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.44pt\"></span></span><span class=\"ps22074\">1\u00a0538<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps220 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23319 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0 ps23376\">1\u00a0324<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps23320 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.62pt\"></span></span><span class=\"ps13499\">1\u00a0243<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9234 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Equity risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23322 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0 ps23377\">31<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps23323 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:48.1pt\"></span></span><span class=\"ps2044\">37<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9241 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Counterparty credit risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23324 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0 ps23378\">34<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps23325 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:48.1pt\"></span></span><span class=\"ps2044\">37<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9245 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit valuation adjustment risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23326 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0 ps23379\">3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps23328 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:52.46pt\"></span></span><span class=\"ps23380\">2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3337 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Market risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23330 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0 ps23381\">30<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps23331 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.75pt\"></span></span><span class=\"ps23382\">36<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps9254 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Operational risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps23333 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0 ps23383\">208<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps23335 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:44.4pt\"></span></span><span class=\"ps12000\">183<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23385 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Leverage </span></div><div class=\"ps23390 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:354.75pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:63pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps19 ss1901\"><div><div class=\"ps809 ss201\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15826 ss1771\"><div><div class=\"ps809 ss1767\"><span class=\"f charStyle-a26246ce ps10065\">31 March 2026*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15828 ss1771\"><div><div class=\"ps809 ss1767\"><span class=\"f charStyle-8d4b9b37 ps23292\">31 March 2025*<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps816 ss1903\"><div><div class=\"ps997 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Total exposure measure<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23151 ss2379\"><div><div class=\"ps997 ss1767\"><span class=\"f charStyle-2b0f4fe0 ps18415\">32\u00a0021<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps23152 ss2379\"><div><div class=\"ps997 ss1767\"><span class=\"f charStyle-2b0f4fe0 ps20170\">28\u00a0089<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps184 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-9458d4de ps7\">Tier 1 capital</span><span class=\"f charStyle-70e7a25b ps23386\"><span class=\"f ps2\"> </span><sup>**</sup></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23296 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0 ps23374\">2\u00a0921<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps23298 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0 ps2684\">2\u00a0710<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #6d6d6d;padding:0\"><div class=\"ps9200 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-13225c7c ps7\">Leverage ratio</span><span class=\"f charStyle-9458d4de ps23387\">**<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #6d6d6d;padding:0\"><div class=\"ps23300 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5 ps23388\">9.1%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #6d6d6d;padding:0\"><div class=\"ps23302 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps23389\"></span><span class=\"ps23389\">9.6%<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23391 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">The capital adequacy and leverage disclosures for Investec plc include the deduction of foreseeable charges and dividends when calculating CET1 and Tier 1 capital. </span></span></div><div class=\"ps23392 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">These disclosures differ from the disclosures included in Investec Group\u2019s year-end results booklet 2026, which follow our normal basis of presentation and do not </span></div><div class=\"ps23393 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">include this deduction. Investec plc\u2019s CET1 ratio would be 37bps (31\u00a0March 2025: 33bps) and the leverage ratio 24bps (31 March 2025: 23bps) higher, on this basis. </span></div><div class=\"ps23394 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">**\u00a0<span style=\"display:inline-block;height:5.81pt;width:6.49pt\"></span></span><span class=\"ps968\">The March 2025 CET1, Tier 1, total capital and leverage ratios, and RWAs have been calculated applying the IFRS 9 transitional arrangements. Effective from 1 April </span></span></div><div class=\"ps23395 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">2025, IFRS 9 transitional arrangements ceased to apply, with all subsequent ratios presented on a fully loaded basis. </span></div><div class=\"ps23396 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">Tier 2 instruments include \u00a317 million of subordinated liabilities arising from the proportional consolidation of the Group's economic interest in Rathbones Group plc.</span></span></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Total regulatory capital flow statement</span></div><div class=\"ps23484 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:365.25pt\"></td><td style=\"padding:0;width:57.75pt\"></td><td style=\"padding:0;width:57.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><span id=\"i2cda7e0a80fa474e8ddb778b818c6514_0-0-40-5-3222700\"></span><div class=\"ps19 ss2382\"><div><div class=\"ps11991 ss2335\"><span class=\"f charStyle-a26246ce ps7\">\u00a3'million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12531 ss1897\"><div><div class=\"ps11991 ss1893\"><span class=\"f charStyle-a26246ce ps23407\">31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15023 ss1897\"><div><div class=\"ps11991 ss1893\"><span class=\"f charStyle-8d4b9b37 ps19472\">31 March 2025*<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3419 ss2383\"><div><div class=\"ps997 ss2335\"><span class=\"f charStyle-b7f6e8e5 ps7\">Opening Common Equity Tier 1 capital<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23409 ss2384\"><div><div class=\"ps997 ss1893\"><span class=\"f charStyle-b7f6e8e5 ps23408\">2\u00a0360<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23411 ss2384\"><div><div class=\"ps997 ss1893\"><span class=\"f charStyle-b7f6e8e5 ps23410\">2\u00a0237<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps326 ss2382\"><div><div class=\"ps2754 ss2335\"><span class=\"f charStyle-2b0f4fe0 ps7\">Dividends paid to ordinary shareholders and Additional Tier 1 security holders<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23413 ss1897\"><div><div class=\"ps2754 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23412\">(156)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps23415 ss1897\"><div><div class=\"ps2754 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23414\">(144)<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4463 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-2b0f4fe0 ps7\">Profit after taxation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23417 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23416\">340<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps23419 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23418\">332<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3551 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-2b0f4fe0 ps7\">Foreseeable charges and dividends<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23421 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23420\">(13)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps23423 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23422\">(7)<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4561 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-2b0f4fe0 ps7\">Treasury shares^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23425 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23424\">(62)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps23426 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps15360\">(45)<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps114 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-2b0f4fe0 ps7\">Share-based payment adjustments^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23428 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23427\">52<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps23429 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps19118\">42<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9365 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-2b0f4fe0 ps7\">Net equity impact on non-controlling interest movement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23431 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23430\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps23433 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23432\">2<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4677 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-2b0f4fe0 ps7\">Movement in other comprehensive income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23435 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23434\">66<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps23436 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps11956\">(50)<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11931 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cash flow hedging reserve<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23437 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23432\">6<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps23439 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23438\">11<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2615 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-2b0f4fe0 ps7\">Net equity movements in associates and joint ventures<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23441 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23440\">8<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps23442 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps16812\">(8)<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps16444 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-2b0f4fe0 ps7\">Goodwill and intangible assets (deduction net of related taxation liability)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23444 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23443\">(5)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps23446 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23445\">(2)<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15539 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deferred tax that relies on future profitability (excluding those arising from temporary differences)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23447 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23430\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps23449 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23448\">1<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15546 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deconsolidation of special purpose entities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23450 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps4270\">(20)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps23452 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23451\">5<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15276 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-2b0f4fe0 ps7\">IFRS 9 transitional arrangements<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23454 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23453\">(3)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps23455 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps908\">(17)<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15286 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other, including regulatory adjustments and other transitional arrangements<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23456 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23445\">(2)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps23458 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23457\">3<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15299 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-b7f6e8e5 ps7\">Closing Common Equity Tier 1 capital<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps23459 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-b7f6e8e5 ps10008\">2\u00a0571<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23460 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-b7f6e8e5 ps23408\">2\u00a0360<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4599 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-b7f6e8e5 ps7\">Opening Additional Tier 1 capital<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23461 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps21467\">350<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps23462 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps16860\">458<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15567 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-2b0f4fe0 ps7\">Redeemed capital <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps23463 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23430\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #b6b6b6;padding:0\"><div class=\"ps23464 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps9571\">(108)<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15568 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-b7f6e8e5 ps7\">Closing Additional Tier 1 capital<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23465 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps21467\">350<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-top:0.5pt solid #b6b6b6;padding:0\"><div class=\"ps23466 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps21467\">350<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15569 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-b7f6e8e5 ps7\">Closing Tier 1 capital<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps23468 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-b7f6e8e5 ps23467\">2\u00a0921<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23469 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-b7f6e8e5 ps926\">2\u00a0710<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15575 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-b7f6e8e5 ps7\">Opening Tier 2 capital<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23470 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-b7f6e8e5 ps18406\">712<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps23471 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-b7f6e8e5 ps18406\">712<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15583 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-2b0f4fe0 ps7\">Issued capital<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23473 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23472\">300<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps23474 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23430\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4718 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-2b0f4fe0 ps7\">Redeemed capital<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23475 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps5541\">(295)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps23476 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23430\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14156 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other, including regulatory adjustments and other transitional arrangements<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23477 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23457\">3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps23478 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23430\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps1227 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-b7f6e8e5 ps7\">Closing Tier 2 capital<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps23480 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-b7f6e8e5 ps23479\">720<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps23481 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-b7f6e8e5 ps18406\">712<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:3.75pt\"><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#ffffff;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><span id=\"i2cda7e0a80fa474e8ddb778b818c6514_39-0-1-1-3222700\"></span><div class=\"ps2422 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-b7f6e8e5 ps7\">Closing total regulatory capital<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps23482 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-b7f6e8e5 ps882\">3\u00a0641<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps23483 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-b7f6e8e5 ps16597\">3\u00a0422<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23485 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">The March 2025 CET1, Tier 1, total capital and leverage ratios, and RWAs have been calculated applying the IFRS 9 transitional arrangements. Effective from 1 April </span></span></div><div class=\"ps23486 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">2025, IFRS 9 transitional arrangements ceased to apply, with all subsequent ratios presented on a fully loaded basis. </span></div><div class=\"ps23487 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">Treasury shares and share-based payment adjustments have been restated due to realised gains and losses on treasury shares, predominantly held in respect of </span></span></div><div class=\"ps23488 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">share schemes, being inconsistently presented between Group entities. Treasury shares are now reflected at cost and all realised gains and losses on treasury shares </span></div><div class=\"ps23489 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">recognised in retained income.</span></div><div class=\"ps181 ss8\"><div class=\"ss125 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:20.25pt\"></td><td style=\"padding:0;width:459.75pt\"></td></tr><tr style=\"height:56.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss2461\"><div><div class=\"ps28 ss92\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Alternative_performance_measures.svg\" id=\"i-248\" src=\"data:image/svg+xml;base64,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\" style=\"height:15.59pt;width:17.36pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps387 ss2462\"><div><div class=\"ps29 ss260\"><span class=\"f charStyle-33e1c6d6 ps7\">We supplement our IFRS figures with alternative performance measures used by management internally and which provide <span class=\"f ps2\"> </span></span></div><div class=\"ps312 ss260\"><span class=\"f charStyle-33e1c6d6 ps7\">valuable, relevant information to readers. These measures are used to align internal and external reporting, identify items <span class=\"f ps2\"> </span></span></div><div class=\"ps475 ss260\"><span class=\"f charStyle-33e1c6d6 ps7\">management believes are not representative of the underlying performance of the business and provide insight into how <span class=\"f ps2\"> </span></span></div><div class=\"ps480 ss260\"><span class=\"f charStyle-33e1c6d6 ps7\">management assesses period-on-period performance. A description of the Group\u2019s alternative performance measures and <span class=\"f ps2\"> </span></span></div><div class=\"ps481 ss260\"><span class=\"f charStyle-33e1c6d6 ps7\">their calculation, where relevant, is set out below.<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:59.25pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps3838 ss2463\"><div><div class=\"ps29 ss260\"><span class=\"f charStyle-33e1c6d6 ps7\">Alternative performance measures are not measures within the scope of IFRS and are not a substitute for IFRS financial <span class=\"f ps2\"> </span></span></div><div class=\"ps312 ss260\"><span class=\"f charStyle-33e1c6d6 ps7\">measures. Alternative performance measures constitute pro-forma financial information. The pro-forma financial information <span class=\"f ps2\"> </span></span></div><div class=\"ps475 ss260\"><span class=\"f charStyle-33e1c6d6 ps7\">is the responsibility of the Board of Directors and is presented for illustrative purposes only and because of its\u00a0nature may </span></div><div class=\"ps480 ss260\"><span class=\"f charStyle-33e1c6d6 ps7\">not fairly present the Group\u2019s financial position, changes in equity, and results in operations or cash flows.<span class=\"f ps2\"> </span></span></div><div class=\"ps486 ss260\"><span class=\"f charStyle-33e1c6d6 ps7\">The below information is audited unless indicated otherwise<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24193 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:116.25pt\"></td><td style=\"padding:0;width:21pt\"></td><td style=\"padding:0;width:343.5pt\"></td></tr><tr style=\"height:35.25pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19 ss2464\"><div><div class=\"ps29 ss996\"><span class=\"f charStyle-3272566e ps7\">Adjusted earnings <span class=\"f ps2\"> </span></span></div><div class=\"ps24177 ss996\"><span class=\"f charStyle-3272566e ps7\">attributable to ordinary <span class=\"f ps2\"> </span></span></div><div class=\"ps24178 ss996\"><span class=\"f charStyle-3272566e ps7\">shareholders<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps2794 ss2466\"><div><div class=\"ps29 ss2465\"><span class=\"f charStyle-c4fc3a3f ps7\">Earnings attributable to shareholders adjusted to remove goodwill, acquired intangibles, strategic <span class=\"f ps2\"> </span></span></div><div class=\"ps312 ss2465\"><span class=\"f charStyle-c4fc3a3f ps7\">actions, including such items within equity accounted earnings, and earnings attributable to <span class=\"f ps2\"> </span></span></div><div class=\"ps475 ss2465\"><span class=\"f charStyle-c4fc3a3f ps7\">perpetual preference shareholders and Other Additional Tier 1 security holders.<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:24.75pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps11452 ss2467\"><div><div class=\"ps29 ss996\"><span class=\"f charStyle-3272566e ps7\">Adjusted operating profit<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps24179 ss2468\"><div><div class=\"ps29 ss2465\"><span class=\"f charStyle-c4fc3a3f ps7\">Profit before taxation, adjusted to remove goodwill, acquired intangibles and strategic actions, <span class=\"f ps2\"> </span></span></div><div class=\"ps312 ss2465\"><span class=\"f charStyle-c4fc3a3f ps7\">including such items within equity accounted earnings, and non-controlling interests<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps24180 ss2140\"><div><div class=\"ps28 ss588\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Page_references.svg\" id=\"i-249\" src=\"data:image/svg+xml;base64,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\" style=\"height:15.59pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps24183 ss2469\"><div><div class=\"ps778 ss9\"><span class=\"f charStyle-33e1c6d6 ps7\">Refer to calculation on page </span><span class=\"f charStyle-c4fc3a3f ps24181\"><a class=\"Hyperlink\" href=\"#iccba24ea0cd14a1fbe74568356c33a8e_223\" style=\"z-index:1\">88</a><span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps24182\"> for a reconciliation of these items.<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps2501 ss1116\"><div><div class=\"ps29 ss996\"><span class=\"f charStyle-3272566e ps7\">Annuity income<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps24184 ss2470\"><div><div class=\"ps29 ss2465\"><span class=\"f charStyle-c4fc3a3f ps7\">Net interest income plus net annuity fees and commissions<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps24185 ss2140\"><div><div class=\"ps28 ss588\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Page_references.svg\" id=\"i-250\" src=\"data:image/svg+xml;base64,CjxzdmcgeG1sbnM9Imh0dHA6Ly93d3cudzMub3JnLzIwMDAvc3ZnIj4gCgk8aW1hZ2UgcHJlc2VydmVBc3BlY3RSYXRpbz0ibm9uZSIgd2lkdGg9IjEwMCUiIGhlaWdodD0iMTAwJSIgaHJlZj0iZGF0YTppbWFnZS9zdmcreG1sO2Jhc2U2NCxQRDk0Yld3Z2RtVnljMmx2YmowaU1TNHdJaUJsYm1OdlpHbHVaejBpVlZSR0xUZ2lQejQ4YzNabklHbGtQU0pNWVhsbGNsOHlJaUI0Yld4dWN6MGlhSFIwY0RvdkwzZDNkeTUzTXk1dmNtY3ZNakF3TUM5emRtY2lJSFpwWlhkQ2IzZzlJakFnTUNBeU1DNDROaUF5TUM0NE5pSStQR1JsWm5NK1BITjBlV3hsUGk1amJITXRNWHR6ZEhKdmEyVXRiR2x1WldwdmFXNDZjbTkxYm1RN2ZTNWpiSE10TVN3dVkyeHpMVElzTG1Oc2N5MHplMlpwYkd3NmJtOXVaVHR6ZEhKdmEyVTZJekl6TVdZeU1EdHpkSEp2YTJVdGQybGtkR2c2TGpjMWNIZzdmUzVqYkhNdE1Td3VZMnh6TFRON2MzUnliMnRsTFd4cGJtVmpZWEE2Y205MWJtUTdmUzVqYkhNdE1pd3VZMnh6TFRON2MzUnliMnRsTFcxcGRHVnliR2x0YVhRNk1UQTdmVHd2YzNSNWJHVStQQzlrWldaelBqeG5JR2xrUFNKTVlYbGxjbDh4TFRJaVBqeGphWEpqYkdVZ1kyeGhjM005SW1Oc2N5MHlJaUJqZUQwaU1UQXVORE1pSUdONVBTSXhNQzQwTXlJZ2NqMGlNVEF1TURZaUx6NDhjRzlzZVd4cGJtVWdZMnhoYzNNOUltTnNjeTB4SWlCd2IybHVkSE05SWpFeExqVWdOeTR3TlNBeE5DNDROU0F4TUM0MElERXhMalVnTVRNdU56a2lMejQ4YkdsdVpTQmpiR0Z6Y3owaVkyeHpMVE1pSUhneFBTSTFMamc1SWlCNU1UMGlNVEF1TkNJZ2VESTlJakUwTGpnMUlpQjVNajBpTVRBdU5DSXZQand2Wno0OEwzTjJaejQ9Ij48L2ltYWdlPgo8L3N2Zz4K\" style=\"height:15.59pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps24191 ss2469\"><div><div class=\"ps24190 ss9\"><span class=\"f charStyle-9458d4de ps7\">Refer to pages </span><span class=\"f charStyle-2b0f4fe0 ps24186\"><a class=\"Hyperlink\" href=\"#iccba24ea0cd14a1fbe74568356c33a8e_226\" style=\"z-index:1\">91</a><span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps24187\"> and <span class=\"f ps2\"> </span></span><span class=\"f charStyle-2b0f4fe0 ps24188\"><a class=\"Hyperlink\" href=\"#iccba24ea0cd14a1fbe74568356c33a8e_229\" style=\"z-index:1\">92</a><span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps24189\">.<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:23.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15260 ss1113\"><div><div class=\"ps29 ss996\"><span class=\"f charStyle-3272566e ps7\">Core loans<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24192 ss2471\"><div><div class=\"ps29 ss2465\"><span class=\"f charStyle-c4fc3a3f ps7\">The table below describes the differences between \u201cloans and advances to customers\u201d as per the <span class=\"f ps2\"> </span></span></div><div class=\"ps312 ss2465\"><span class=\"f charStyle-c4fc3a3f ps7\">balance sheet and gross core loans<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24198 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:368.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss652\"><div><div class=\"ps809 ss651\"><span class=\"f charStyle-6f1c08a8 ps7\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2813 ss305\"><div><div class=\"ps809 ss296\"><span class=\"f charStyle-a26246ce ps9410\">31 March 2026\u00a0\u00a0<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss305\"><div><div class=\"ps4131 ss296\"><span class=\"f charStyle-dc443274 ps7\">31 March 2025*<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps816 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Net core loans (Loans and advances to customers per the balance sheet)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2815 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.03pt\"></span></span><span class=\"ps11793\">17\u00a0804<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span><span class=\"ps24194\">\u00a0</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2473 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.03pt\"></span></span><span class=\"ps15348\">16\u00a0814<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span><span class=\"ps24194\">\u00a0</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps817 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-f370dde9 ps1864\">of which amortised cost and FVOCI (\u2018subject to ECL\u2019)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2816 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.57pt\"></span></span><span class=\"ps17913\">16\u00a0995<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span><span class=\"ps24195\">\u00a0</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps2817 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.34pt\"></span></span><span class=\"ps11101\">16\u00a0242<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span><span class=\"ps24195\">\u00a0</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps824 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-f370dde9 ps1864\">of which FVPL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2818 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.43pt\"></span></span><span class=\"ps7430\">809<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span><span class=\"ps24195\">\u00a0</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps2819 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.93pt\"></span></span><span class=\"ps23294\">572<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span><span class=\"ps24195\">\u00a0</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps830 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-a356ef66 ps1864\">Add: ECL (against amortised cost and FVOCI loans)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2820 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.79pt\"></span></span><span class=\"ps9571\">207<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span><span class=\"ps24195\">\u00a0</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps2821 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.05pt\"></span></span><span class=\"ps12094\">176<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span><span class=\"ps24195\">\u00a0</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps837 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-b7f6e8e5 ps7\">Gross core loans<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps2823 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.23pt\"></span></span><span class=\"ps24196\">18\u00a0011<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span><span class=\"ps24194\">\u00a0</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps2825 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.67pt\"></span></span><span class=\"ps11144\">16\u00a0990<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span><span class=\"ps24194\">\u00a0</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps843 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-f370dde9 ps1864\">of which amortised cost and FVOCI (\u2018subject to ECL\u2019)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps2827 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.78pt\"></span></span><span class=\"ps11512\">17\u00a0202<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span><span class=\"ps24195\">\u00a0</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps2829 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.56pt\"></span></span><span class=\"ps24197\">16\u00a0418<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span><span class=\"ps24195\">\u00a0</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps849 ss652\"><div><div class=\"ps815 ss651\"><span class=\"f charStyle-f370dde9 ps1864\">of which FVPL<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2830 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.43pt\"></span></span><span class=\"ps7430\">809<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span><span class=\"ps24195\">\u00a0</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2831 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.93pt\"></span></span><span class=\"ps23294\">572<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span><span class=\"ps24195\">\u00a0</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24203 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">Re-presented as detailed on</span></span><span class=\"f charStyle-207fba8f ps24199\"> page</span><span class=\"f charStyle-207fba8f ps24200\"> </span><span class=\"f charStyle-dc443274 ps24201\"><a class=\"Hyperlink\" href=\"#i0331dd6885fe4f23b3cba74a014792f1_9142\" style=\"z-index:1\">167</a></span><span class=\"f charStyle-207fba8f ps24202\">.</span></div><div class=\"ps24206 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:170.25pt\"></td><td style=\"padding:0;width:310.5pt\"></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19 ss2472\"><div><div class=\"ps1144 ss1305\"><span class=\"f charStyle-3272566e ps7\">Cost to income ratio<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps24205 ss2473\"><div><div class=\"ps1144 ss449\"><span class=\"f charStyle-c4fc3a3f ps7\">Refer to calculation in the table below<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps24225 ss8\"><div class=\"ss125 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:366.75pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss2475\"><div><div class=\"ps809 ss2474\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16890 ss650\"><div><div class=\"ps809 ss114\"><span class=\"f charStyle-a26246ce ps9410\">31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15023 ss1935\"><div><div class=\"ps809 ss1333\"><span class=\"f charStyle-8d4b9b37 ps24207\">31 March 2025^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps816 ss2476\"><div><div class=\"ps997 ss2474\"><span class=\"f charStyle-2b0f4fe0 ps7\">Operating costs (A)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps12412 ss1555\"><div><div class=\"ps997 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.02pt\"></span></span><span class=\"ps16943\">637\u00a0777<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps24208 ss1338\"><div><div class=\"ps997 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.79pt\"></span></span><span class=\"ps9659\">631\u00a0810<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps184 ss2477\"><div><div class=\"ps2754 ss2474\"><span class=\"f charStyle-2b0f4fe0 ps7\">Operating income per income statement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps24209 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.88pt\"></span></span><span class=\"ps17796\">1\u00a0168\u00a0195<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps24211 ss2478\"><div><div class=\"ps2754 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.29pt\"></span></span><span class=\"ps24210\">1\u00a0154\u00a0666<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps3545 ss2477\"><div><div class=\"ps2754 ss2474\"><span class=\"f charStyle-2b0f4fe0 ps7\">Add: Amortisation of acquired intangibles<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps24212 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.51pt\"></span></span><span class=\"ps5508\">15\u00a0048<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps24213 ss2478\"><div><div class=\"ps2754 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.74pt\"></span></span><span class=\"ps12690\">6\u00a0312<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps3551 ss2477\"><div><div class=\"ps2754 ss2474\"><span class=\"f charStyle-2b0f4fe0 ps7\">Add: Acquisition related and integration costs of associate<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps24214 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.64pt\"></span></span><span class=\"ps11818\">14\u00a0531<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps23423 ss2478\"><div><div class=\"ps2754 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.77pt\"></span></span><span class=\"ps24215\">27\u00a0987<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps837 ss2477\"><div><div class=\"ps2754 ss2474\"><span class=\"f charStyle-2b0f4fe0 ps7\">Less: Profit attributable to non-controlling interests<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps24216 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.06pt\"></span></span><span class=\"ps9314\">(355)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps24218 ss2478\"><div><div class=\"ps2754 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.53pt\"></span></span><span class=\"ps24217\">(12)</span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps4084 ss2477\"><div><div class=\"ps2754 ss2474\"><span class=\"f charStyle-2b0f4fe0 ps7\">Total (B)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps24220 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.01pt\"></span></span><span class=\"ps24219\">1\u00a0197\u00a0419<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps24221 ss2478\"><div><div class=\"ps2754 ss1333\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.25pt\"></span></span><span class=\"ps136\">1\u00a0188\u00a0953<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:11.25pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3467 ss2477\"><div><div class=\"ps2754 ss2474\"><span class=\"f charStyle-b7f6e8e5 ps7\">Cost to income ratio (A/B)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps24222 ss1666\"><div><div class=\"ps2754 ss114\"><span class=\"f charStyle-b7f6e8e5 ps17534\">53.3%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps24224 ss2478\"><div><div class=\"ps2754 ss1333\"><span class=\"f charStyle-b7f6e8e5 ps24223\">53.1%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps24226 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-cc327f97 ps23\">The below information is unaudited<span class=\"f ps2\"> </span></span></div><div class=\"ps24238 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:170.25pt\"></td><td style=\"padding:0;width:21pt\"></td><td style=\"padding:0;width:289.5pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps19 ss2479\" style=\"overflow:hidden\"><div><div class=\"ps29 ss1305\"><span class=\"f charStyle-3272566e ps7\">Coverage ratio<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps24205 ss450\"><div><div class=\"ps97 ss449\"><span class=\"f charStyle-c4fc3a3f ps7\">ECL as a percentage of gross core loans subject to ECL<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:24pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps816 ss2064\"><div><div class=\"ps29 ss1305\"><span class=\"f charStyle-3272566e ps7\">Credit loss ratio<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps14222 ss2480\"><div><div class=\"ps3659 ss449\"><span class=\"f charStyle-c4fc3a3f ps7\">ECL impairment charges on core loans as a percentage of average gross core <span class=\"f ps2\"> </span></span></div><div class=\"ps3657 ss449\"><span class=\"f charStyle-c4fc3a3f ps7\">loans subject to ECL<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps824 ss2479\" style=\"overflow:hidden\"><div><div class=\"ps29 ss1305\"><span class=\"f charStyle-3272566e ps7\">Gearing ratio<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24227 ss450\"><div><div class=\"ps97 ss449\"><span class=\"f charStyle-c4fc3a3f ps7\">Total assets divided by total equity<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:24pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps830 ss2064\"><div><div class=\"ps29 ss1305\"><span class=\"f charStyle-3272566e ps7\">Loans and advances to customers as a % <span class=\"f ps2\"> </span></span></div><div class=\"ps24177 ss1305\"><span class=\"f charStyle-3272566e ps7\">of customer deposits<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24228 ss2480\"><div><div class=\"ps3659 ss449\"><span class=\"f charStyle-c4fc3a3f ps7\">Loans and advances to customers as a percentage of customer accounts <span class=\"f ps2\"> </span></span></div><div class=\"ps3657 ss449\"><span class=\"f charStyle-c4fc3a3f ps7\">(deposits)<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps843 ss2472\"><div><div class=\"ps29 ss1305\"><span class=\"f charStyle-3272566e ps7\">Net interest margin<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps24229 ss2473\"><div><div class=\"ps1144 ss449\"><span class=\"f charStyle-c4fc3a3f ps7\">Interest income net of interest expense, divided by average interest-earning assets<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps24230 ss2140\"><div><div class=\"ps28 ss588\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Page_references.svg\" id=\"i-251\" src=\"data:image/svg+xml;base64,CjxzdmcgeG1sbnM9Imh0dHA6Ly93d3cudzMub3JnLzIwMDAvc3ZnIj4gCgk8aW1hZ2UgcHJlc2VydmVBc3BlY3RSYXRpbz0ibm9uZSIgd2lkdGg9IjEwMCUiIGhlaWdodD0iMTAwJSIgaHJlZj0iZGF0YTppbWFnZS9zdmcreG1sO2Jhc2U2NCxQRDk0Yld3Z2RtVnljMmx2YmowaU1TNHdJaUJsYm1OdlpHbHVaejBpVlZSR0xUZ2lQejQ4YzNabklHbGtQU0pNWVhsbGNsOHlJaUI0Yld4dWN6MGlhSFIwY0RvdkwzZDNkeTUzTXk1dmNtY3ZNakF3TUM5emRtY2lJSFpwWlhkQ2IzZzlJakFnTUNBeU1DNDROaUF5TUM0NE5pSStQR1JsWm5NK1BITjBlV3hsUGk1amJITXRNWHR6ZEhKdmEyVXRiR2x1WldwdmFXNDZjbTkxYm1RN2ZTNWpiSE10TVN3dVkyeHpMVElzTG1Oc2N5MHplMlpwYkd3NmJtOXVaVHR6ZEhKdmEyVTZJekl6TVdZeU1EdHpkSEp2YTJVdGQybGtkR2c2TGpjMWNIZzdmUzVqYkhNdE1Td3VZMnh6TFRON2MzUnliMnRsTFd4cGJtVmpZWEE2Y205MWJtUTdmUzVqYkhNdE1pd3VZMnh6TFRON2MzUnliMnRsTFcxcGRHVnliR2x0YVhRNk1UQTdmVHd2YzNSNWJHVStQQzlrWldaelBqeG5JR2xrUFNKTVlYbGxjbDh4TFRJaVBqeGphWEpqYkdVZ1kyeGhjM005SW1Oc2N5MHlJaUJqZUQwaU1UQXVORE1pSUdONVBTSXhNQzQwTXlJZ2NqMGlNVEF1TURZaUx6NDhjRzlzZVd4cGJtVWdZMnhoYzNNOUltTnNjeTB4SWlCd2IybHVkSE05SWpFeExqVWdOeTR3TlNBeE5DNDROU0F4TUM0MElERXhMalVnTVRNdU56a2lMejQ4YkdsdVpTQmpiR0Z6Y3owaVkyeHpMVE1pSUhneFBTSTFMamc1SWlCNU1UMGlNVEF1TkNJZ2VESTlJakUwTGpnMUlpQjVNajBpTVRBdU5DSXZQand2Wno0OEwzTjJaejQ9Ij48L2ltYWdlPgo8L3N2Zz4K\" style=\"height:15.59pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps24233 ss2482\"><div><div class=\"ps24190 ss2481\"><span class=\"f charStyle-9458d4de ps7\">Refer to calculation on page </span><span class=\"f charStyle-2b0f4fe0 ps24231\"><a class=\"Hyperlink\" href=\"#iccba24ea0cd14a1fbe74568356c33a8e_226\" style=\"z-index:1\">91</a><span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps24232\">.<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:23.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps15910 ss2483\"><div><div class=\"ps29 ss1305\"><span class=\"f charStyle-3272566e ps7\">Return on average assets<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24236 ss2484\"><div><div class=\"ps24234 ss449\"><span class=\"f charStyle-c4fc3a3f ps7\">Adjusted earnings attributable to ordinary shareholders divided by average total <span class=\"f ps2\"> </span></span></div><div class=\"ps24235 ss449\"><span class=\"f charStyle-c4fc3a3f ps7\">assets excluding assurance assets<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:23.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4288 ss2483\"><div><div class=\"ps29 ss1305\"><span class=\"f charStyle-3272566e ps7\">Return on average risk weighted assets<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps24237 ss2484\"><div><div class=\"ps24234 ss449\"><span class=\"f charStyle-c4fc3a3f ps7\">Adjusted earnings attributable to ordinary shareholders divided by average risk <span class=\"f ps2\"> </span></span></div><div class=\"ps24235 ss449\"><span class=\"f charStyle-c4fc3a3f ps7\">weighted assets<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialRiskManagementExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-966": {
   "value": "<div class=\"ps19929 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Re-presentation of gross and ECL values<span id=\"i0331dd6885fe4f23b3cba74a014792f1_9142\"></span></span></div><div class=\"ps19930 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Prior period gross and ECL values have been re-presented in line with changes to management\u2019s approach to measuring credit risk </span></div><div class=\"ps19931 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">metrics. Gross and ECL values at 31 March 2025 have increased by \u00a334 million for \u2018loans and advances to customers\u2019 with no </span></div><div class=\"ps19932 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">change to the income statement or balance sheet. These increases were due to: </span></div><div class=\"ps19933 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Adjustments relating to suspended interest: In prior periods, Stage 3 gross loans and advances were presented net of </span></div><div class=\"ps19934 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">suspended interest in management\u2019s credit risk metrics with the adjustment for suspended interest disclosed separately in the </span></div><div class=\"ps19935 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">footnotes. The presentation has been amended such that the suspended interest against a Stage 3 exposure is now included </span></div><div class=\"ps19936 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">within the ECL allowance instead of being netted off the gross amount. This adjustment does not change the net carrying value </span></div><div class=\"ps19937 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">as shown on the balance sheet</span></div><div class=\"ps19938 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Adjustments relating to FVOCI: The gross and ECL values of financial assets held at FVOCI were presented, either in footnotes </span></div><div class=\"ps19939 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">or\u00a0in supplementary tables. Going forward, gross values will all be presented consistently at the fair value of the instruments </span></div><div class=\"ps19940 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">increased by ECL values. This adjustment does not change the carrying value, being the fair value, as shown on the balance </span></div><div class=\"ps19941 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">sheet.</span></div><div class=\"ps19942 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">As a result of these re-presentations gross core loans and ECLs are \u00a316 990 million and \u00a3176 million as at 31 March 2025 (31\u00a0March </span></div><div class=\"ps19943 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">2024: \u00a316 121 million and \u00a3192 million respectively).</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfReclassificationsOrChangesInPresentationExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-967": {
   "value": "<div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_445\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">59<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps21911\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps21912\">Market risk in the trading book<span class=\"f ps2\"> </span><span id=\"if994037f47704101acaa1847950a6ef0_978\"></span><span id=\"if994037f47704101acaa1847950a6ef0_979\"></span></span></div><div class=\"ps5918 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Overview<span class=\"f ps2\"> </span></span></div><div class=\"ps5919 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The focus of our trading activities is primarily to support our <span class=\"f ps2\"> </span></span></div><div class=\"ps5920 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">clients. Our strategic intent is that proprietary trading should be <span class=\"f ps2\"> </span></span></div><div class=\"ps13827 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">limited and that trading should be conducted largely to <span class=\"f ps2\"> </span></span></div><div class=\"ps13828 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">facilitate client flow. Within our trading activities, we act as <span class=\"f ps2\"> </span></span></div><div class=\"ps13829 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">principal with clients or the market. Market risk exists where we <span class=\"f ps2\"> </span></span></div><div class=\"ps21913 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">have unmatched principal positions resulting from market <span class=\"f ps2\"> </span></span></div><div class=\"ps21914 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">making, underwriting and facilitation of client business in the <span class=\"f ps2\"> </span></span></div><div class=\"ps21915 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">foreign exchange, interest rate, equity, credit and commodity <span class=\"f ps2\"> </span></span></div><div class=\"ps14543 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">markets.<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21916\"> <span class=\"f ps2\"> </span></span></div><div class=\"ps21920 ss8\"><div class=\"ss779 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:20.25pt\"></td><td style=\"padding:0;width:168pt\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps19 ss2324\"><div><div class=\"ps28 ss92\"><div class=\"ps21918\"><div class=\"ps19\"><img alt=\"Unaudited_information.svg\" id=\"i-210\" src=\"data:image/svg+xml;base64,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\" style=\"height:15.59pt;width:17.97pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps387 ss2325\"><div><div class=\"ps21919 ss420\"><span class=\"f charStyle-0e78c81e ps7\">Year in review<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21921 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The year in review has been characterised by an increase in <span class=\"f ps2\"> </span></span></div><div class=\"ps21922 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">geopolitical tensions and buoyant equity markets, which <span class=\"f ps2\"> </span></span></div><div class=\"ps21923 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reached all-time highs. Following a series of interest rate cuts <span class=\"f ps2\"> </span></span></div><div class=\"ps21924 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">over 2024 and 2025, the UK, US and European central banks\u00a0 <span class=\"f ps2\"> </span></span></div><div class=\"ps21925 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">held interest rates at their recent meetings, as growth slowed <span class=\"f ps2\"> </span></span></div><div class=\"ps21926 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and unemployment began to rise. Equity markets rallied over <span class=\"f ps2\"> </span></span></div><div class=\"ps21927 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the year, with the FTSE100 and FTSE250 ending +19% and +9% <span class=\"f ps2\"> </span></span></div><div class=\"ps21928 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">respectively at 31 March 2026 (having peaked in February at <span class=\"f ps2\"> </span></span></div><div class=\"ps21929 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">+27% and +22%). The Iranian conflict led to market volatility, <span class=\"f ps2\"> </span></span></div><div class=\"ps21930 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">with interest rates rising across the curve, driven by inflation <span class=\"f ps2\"> </span></span></div><div class=\"ps21931 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">fears, and equity markets falling from their highs. The <span class=\"f ps2\"> </span></span></div><div class=\"ps21932 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">structured products book is now de-minimis with all remaining <span class=\"f ps2\"> </span></span></div><div class=\"ps21933 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">products due to roll off by April 2027.<span class=\"f ps2\"> </span></span></div><div class=\"ps21934 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The primary focus of all trading activity continues to be <span class=\"f ps2\"> </span></span></div><div class=\"ps21935 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">managing and hedging the market risk arising from client-<span class=\"f ps2\"> </span></span></div><div class=\"ps21936 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">related activity, and directional exposures remain at a minimum. <span class=\"f ps2\"> </span></span></div><div class=\"ps21938 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Utilisation of risk limits have remained consistently moderate.<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21937\"> <span class=\"f ps2\"> </span></span></div><div class=\"ps21939 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Risk governance structure<span class=\"f ps2\"> </span></span></div><div class=\"ps21940 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Traded market risk is governed by policies that cover the <span class=\"f ps2\"> </span></span></div><div class=\"ps21941 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">management, identification, measurement and monitoring of <span class=\"f ps2\"> </span></span></div><div class=\"ps21943 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">market risk. We have independent market risk teams<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21942\"> to identify, <span class=\"f ps2\"> </span></span></div><div class=\"ps21944 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">measure, monitor and manage market risk.<span class=\"f ps2\"> </span></span></div><div class=\"ps21945 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The market risk teams have reporting lines that are separate <span class=\"f ps2\"> </span></span></div><div class=\"ps21946 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">from the trading function, thereby ensuring independent <span class=\"f ps2\"> </span></span></div><div class=\"ps21949 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">oversight. The Market Risk Forum, mandated by the<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21947\"> IBP ERC,<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21948\"> <span class=\"f ps2\"> </span></span></div><div class=\"ps21950 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">manages market risk in accordance with approved principles, <span class=\"f ps2\"> </span></span></div><div class=\"ps21951 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">policies and risk appetite. Trading desk risk limits are reviewed <span class=\"f ps2\"> </span></span></div><div class=\"ps21954 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">by the Market Risk Forum and approved by <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21952\">IBP ERC<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21953\"> in <span class=\"f ps2\"> </span></span></div><div class=\"ps21956 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">accordance with the market risk appetite limits defined by the<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21955\"> </span></div><div class=\"ps21958 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">IBP and DLC BRCCs as well as IBP and DLC Boards. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21957\">The <span class=\"f ps2\"> </span></span></div><div class=\"ps21959 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">appropriateness of limits is continually reassessed, with limits <span class=\"f ps2\"> </span></span></div><div class=\"ps21960 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reviewed at least annually, in the event of a significant market <span class=\"f ps2\"> </span></span></div><div class=\"ps21961 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">event or at the discretion of senior management.<span class=\"f ps2\"> </span></span></div><div class=\"ps181 ss8\"><div class=\"ss669 ws0 ps356\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:20.25pt\"></td><td style=\"padding:0;width:213pt\"></td></tr><tr style=\"height:18.75pt\"><td style=\"padding:0\"><div class=\"ps19 ss887\"><div><div class=\"ps28 ss92\"><div class=\"ps21918\"><div class=\"ps19\"><img alt=\"Unaudited_information.svg\" id=\"i-211\" src=\"data:image/svg+xml;base64,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\" style=\"height:15.59pt;width:17.97pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps387 ss2326\"><div><div class=\"ps18156 ss696\"><span class=\"f charStyle-0e78c81e ps7\">Risk management<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps21962 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Market risk limits are set according to our risk appetite policy. <span class=\"f ps2\"> </span></span></div><div class=\"ps21963 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Limits are set at trading desk level with aggregate risk across <span class=\"f ps2\"> </span></span></div><div class=\"ps21964 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">all desks also monitored against overall market risk appetite <span class=\"f ps2\"> </span></span></div><div class=\"ps21965 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">limits. Current market conditions, as well as stressed market <span class=\"f ps2\"> </span></span></div><div class=\"ps21966 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">conditions, are taken into account when setting and reviewing <span class=\"f ps2\"> </span></span></div><div class=\"ps21967 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">these limits.<span class=\"f ps2\"> </span></span></div><div class=\"ps18164 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Market risk teams review the market risks in the trading book, </span></div><div class=\"ps18223 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">with detailed risk reports produced daily for each trading desk </span></div><div class=\"ps18224 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">and for the aggregate risk of the trading book. The material </span></div><div class=\"ps18225 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">risks identified are summarised in daily reports that are </span></div><div class=\"ps18226 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">distributed to, and discussed with senior management when </span></div><div class=\"ps18228 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">required. The production of risk reports allows for the </span></div><div class=\"ps18229 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">monitoring of all positions in the trading book against </span></div><div class=\"ps18170 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">prescribed limits. Documented policies and procedures are in </span></div><div class=\"ps18171 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">place to ensure there is a formal process for recognition and </span></div><div class=\"ps18172 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">authorisation for risk excesses incurred.</span></div><div class=\"ps21968 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">The risk management software is fully integrated with source </span></div><div class=\"ps21969 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">trading systems, allowing valuation in risk and trading systems </span></div><div class=\"ps21970 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">to be fully aligned. All valuation models are subject to </span></div><div class=\"ps18233 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">independent validation by market risk, ensuring models used </span></div><div class=\"ps18234 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">for valuation and risk are validated independently of the </span></div><div class=\"ps18235 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">front\u00a0office.</span></div><div class=\"ps21971 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps4867\">Risk measurement<span class=\"f ps2\"> </span></span></div><div class=\"ps21972 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">A number of quantitative measures are used to monitor and </span></div><div class=\"ps21726 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">limit exposure to traded market risk. These measures include:</span></div><div class=\"ps21973 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Value at Risk (VaR), expected shortfall (ES) and stressed VaR <span class=\"f ps2\"> </span></span></div><div class=\"ps21974 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">(sVaR) as portfolio measures of\u00a0market risk exposure<span class=\"f ps2\"> </span></span></div><div class=\"ps21975 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Scenario analysis, stress tests and tools based on extreme <span class=\"f ps2\"> </span></span></div><div class=\"ps21976 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">value theory (EVT) that measure the potential impact of <span class=\"f ps2\"> </span></span></div><div class=\"ps21977 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">extreme market moves on portfolio values<span class=\"f ps2\"> </span></span></div><div class=\"ps21978 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Sensitivity analysis that measures the impact of individual </span></div><div class=\"ps21979 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">market risk factor movements on specific instruments or </span></div><div class=\"ps21980 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">portfolios, including interest rates, foreign exchange rates, </span></div><div class=\"ps21981 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">equity prices, credit spreads and commodity prices. We use </span></div><div class=\"ps21982 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">sensitivity measures to monitor and limit exposure across </span></div><div class=\"ps21983 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">portfolios, products and risk types.</span></div><div class=\"ps21984 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Stress and scenario analyses are used to\u00a0add insight into the </span></div><div class=\"ps21985 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">possible outcomes under severe market disruptions. The stress </span></div><div class=\"ps21986 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">testing methodology assumes that all market factors move </span></div><div class=\"ps21987 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">adversely at the same time and that no actions are taken during </span></div><div class=\"ps21988 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">the stress events to mitigate risk. Stress scenarios based on </span></div><div class=\"ps21989 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">historical experience, as well as hypothetical scenarios, are </span></div><div class=\"ps21990 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">considered and reviewed regularly for relevance in the ever-</span></div><div class=\"ps21991 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">changing market environment. Stress scenarios are run daily </span></div><div class=\"ps18308 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">with analysis presented to</span><span class=\"f charStyle-33e1c6d6 ps21992\"> IBP Review Executive Risk Review <span class=\"f ps2\"> </span></span></div><div class=\"ps18309 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Forum (IBP Review ERRF) weekly <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps21993\">and IBP BRCC when the </span></div><div class=\"ps18310 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">committees meet or more often should market conditions </span></div><div class=\"ps18311 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">require this</span><span class=\"f charStyle-33e1c6d6 ps21994\">.</span></div><div class=\"ps21995 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">The VaR model is subject to inherent limitations, including </span></div><div class=\"ps21996 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">reliance on historical data and limited sensitivity to tail risk. As a </span></div><div class=\"ps21997 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">result, a suite of complementary measures such as ES and </span></div><div class=\"ps21998 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">stress testing are used to assess tail risk. Furthermore, as part </span></div><div class=\"ps21999 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">of the model validation process, any identified shortcomings </span></div><div class=\"ps22000 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">are assessed to ensure they have an immaterial impact, while </span></div><div class=\"ps22001 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">any material limitations would be identified and remedied either </span></div><div class=\"ps22002 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">through model enhancements or additional controls. </span></div><div class=\"ps22003 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Backtesting acts as a further check to ensure that the VaR </span></div><div class=\"ps22005 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">measure sufficiently covers losses at the applicable percentile</span><span class=\"f charStyle-33e1c6d6 ps22004\">.</span></div></div><div><div class=\"ps181 ss8\"><div class=\"ss2277 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:102.75pt\"></td></tr><tr style=\"height:15.75pt\"><td style=\"padding:0\"><div class=\"ps19 ss2327\"><div><div class=\"ps2057 ss2277\"><span class=\"f charStyle-0e78c81e ps7\">Value at Risk (VaR)<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22006 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">VaR is a technique that estimates the potential losses as a <span class=\"f ps2\"> </span></span></div><div class=\"ps22007 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">result of movements in market rates and prices over a specified <span class=\"f ps2\"> </span></span></div><div class=\"ps22008 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">time horizon at a given level of confidence. The VaR model <span class=\"f ps2\"> </span></span></div><div class=\"ps22009 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">derives future scenarios from a historic time series of market <span class=\"f ps2\"> </span></span></div><div class=\"ps22010 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">rates and prices, taking into account inter-relationships <span class=\"f ps2\"> </span></span></div><div class=\"ps22011 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">between the different markets such as interest rates and <span class=\"f ps2\"> </span></span></div><div class=\"ps22012 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">foreign exchange rates. The VaR model is based on a full <span class=\"f ps2\"> </span></span></div><div class=\"ps22013 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">revaluation historical simulation and incorporates the <span class=\"f ps2\"> </span></span></div><div class=\"ps22014 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">following\u00a0features:<span class=\"f ps2\"> </span></span></div><div class=\"ps22015 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Two-year historical period based on\u00a0an\u00a0unweighted </span></div><div class=\"ps22016 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">time\u00a0series</span></div><div class=\"ps22017 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Daily movements in each risk factor, including foreign </span></div><div class=\"ps22018 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">exchange rates, interest rates, equity prices, credit spreads </span></div><div class=\"ps22006 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">and associated volatilities, are simulated with reference </span></div><div class=\"ps22007 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">to\u00a0historical market rates and prices, with proxies only </span></div><div class=\"ps22008 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">used\u00a0when no or limited historical market data is available</span></div><div class=\"ps22019 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Risk factor movements are based on\u00a0both absolute and <span class=\"f ps2\"> </span></span></div><div class=\"ps22020 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">relative returns as appropriate for the different types of <span class=\"f ps2\"> </span></span></div><div class=\"ps22021 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">risk\u00a0factors.<span class=\"f ps2\"> </span></span></div><div class=\"ps22013 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">VaR numbers using a one-day holding period are monitored <span class=\"f ps2\"> </span></span></div><div class=\"ps22014 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">daily at the 95% and 99% confidence intervals, with limits set at <span class=\"f ps2\"> </span></span></div><div class=\"ps22022 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">the 95% confidence interval. Expected shortfalls are also <span class=\"f ps2\"> </span></span></div><div class=\"ps22023 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">monitored daily at the 95% and 99% levels, being the average <span class=\"f ps2\"> </span></span></div><div class=\"ps22024 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">of the losses in the tail of the\u00a0VaR distribution.<span class=\"f ps2\"> </span></span></div><div class=\"ps22027 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The table below contains the 95% one-day VaR figures for the trading businesses.</span></div><div class=\"ps22101 ss8\"><div class=\"ss1321 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:98.25pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:48.75pt\"></td><td style=\"padding:0;width:45.75pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"></td><td colspan=\"4\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps22029 ss2328\"><div><div class=\"ps14732 ss1543\"><span class=\"f charStyle-a26246ce ps22028\">31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td colspan=\"5\" style=\"border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps13490 ss2329\"><div><div class=\"ps14732 ss269\"><span class=\"f charStyle-8d4b9b37 ps22030\">31 March 2025<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps816 ss2330\"><div><div class=\"ps809 ss422\"><span class=\"f charStyle-a26246ce ps7\">95% one-day VaR<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22031 ss2331\"><div><div class=\"ps11114 ss1812\"><span class=\"f charStyle-a26246ce ps10532\">Year end<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22033 ss2332\"><div><div class=\"ps11114 ss1750\"><span class=\"f charStyle-8d4b9b37 ps22032\">Average<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8327 ss2332\"><div><div class=\"ps11114 ss1750\"><span class=\"f charStyle-8d4b9b37 ps13235\">High<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22034 ss2331\"><div><div class=\"ps11114 ss1812\"><span class=\"f charStyle-8d4b9b37 ps12626\">Low<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22035 ss2331\"><div><div class=\"ps11114 ss1812\"><span class=\"f charStyle-a26246ce ps10532\">Year end<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22036 ss2332\"><div><div class=\"ps11114 ss1750\"><span class=\"f charStyle-8d4b9b37 ps22032\">Average<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22037 ss2332\"><div><div class=\"ps11114 ss1750\"><span class=\"f charStyle-8d4b9b37 ps13235\">High<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps22038 ss2331\"><div><div class=\"ps11114 ss1812\"><span class=\"f charStyle-8d4b9b37 ps12626\">Low<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps817 ss2330\"><div><div class=\"ps809 ss422\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps824 ss2330\"><div><div class=\"ps815 ss422\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interest rates <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22039 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.49pt\"></span></span><span class=\"ps12157\">40<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps22040 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.98pt\"></span></span><span class=\"ps19077\">15<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps22041 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.49pt\"></span></span><span class=\"ps20382\">40<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps22042 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.21pt\"></span></span><span class=\"ps16709\">9<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22044 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.87pt\"></span></span><span class=\"ps22043\">19<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps22045 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.47pt\"></span></span><span class=\"ps16710\">30<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps22047 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.38pt\"></span></span><span class=\"ps22046\">43<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps22048 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.87pt\"></span></span><span class=\"ps22043\">19<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps830 ss2330\"><div><div class=\"ps815 ss422\"><span class=\"f charStyle-2b0f4fe0 ps7\">Foreign exchange <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22049 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.98pt\"></span></span><span class=\"ps11445\">15<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22050 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.73pt\"></span></span><span class=\"ps20452\">13<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps8352 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.64pt\"></span></span><span class=\"ps12571\">62<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22051 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.09pt\"></span></span><span class=\"ps18408\">4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22052 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.87pt\"></span></span><span class=\"ps22043\">16<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22053 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.84pt\"></span></span><span class=\"ps20546\">10<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22054 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.38pt\"></span></span><span class=\"ps22046\">34<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22056 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.07pt\"></span></span><span class=\"ps22055\">3<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps837 ss2330\"><div><div class=\"ps815 ss422\"><span class=\"f charStyle-2b0f4fe0 ps7\">Equities <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22058 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.65pt\"></span></span><span class=\"ps22057\">179<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22059 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.41pt\"></span></span><span class=\"ps20525\">165<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22061 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.95pt\"></span></span><span class=\"ps22060\">246<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22063 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.41pt\"></span></span><span class=\"ps22062\">114<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22064 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.29pt\"></span></span><span class=\"ps10294\">154<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22066 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.62pt\"></span></span><span class=\"ps22065\">170<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22068 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.9pt\"></span></span><span class=\"ps22067\">309<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22070 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.52pt\"></span></span><span class=\"ps22069\">94<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps843 ss2330\"><div><div class=\"ps815 ss422\"><span class=\"f charStyle-2b0f4fe0 ps7\">Commodities <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22071 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.87pt\"></span></span><span class=\"ps22043\">19<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22072 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.09pt\"></span></span><span class=\"ps21419\">4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22073 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.61pt\"></span></span><span class=\"ps20562\">20<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22075 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.44pt\"></span></span><span class=\"ps22074\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22076 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.09pt\"></span></span><span class=\"ps18408\">4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22077 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.09pt\"></span></span><span class=\"ps21419\">4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22078 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.21pt\"></span></span><span class=\"ps16603\">9<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22079 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.21pt\"></span></span><span class=\"ps16709\">2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps849 ss2330\"><div><div class=\"ps815 ss422\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22080 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.44pt\"></span></span><span class=\"ps22074\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22081 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.64pt\"></span></span><span class=\"ps12571\">26<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22082 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.75pt\"></span></span><span class=\"ps20069\">59<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22083 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.28pt\"></span></span><span class=\"ps20028\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22084 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.28pt\"></span></span><span class=\"ps20028\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22086 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.2pt\"></span></span><span class=\"ps22085\">8<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22087 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.49pt\"></span></span><span class=\"ps20382\">38<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22088 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:32.28pt\"></span></span><span class=\"ps20028\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps853 ss2330\"><div><div class=\"ps815 ss422\"><span class=\"f charStyle-b7f6e8e5 ps7\">Consolidated*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22089 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.23pt\"></span></span><span class=\"ps10232\">167<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22091 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.02pt\"></span></span><span class=\"ps22090\">161<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22092 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.3pt\"></span></span><span class=\"ps10122\">275<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22094 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.81pt\"></span></span><span class=\"ps22093\">110<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22095 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.98pt\"></span></span><span class=\"ps12268\">155<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22097 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.46pt\"></span></span><span class=\"ps22096\">172<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22098 ss1758\"><div><div class=\"ps815 ss1750\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.19pt\"></span></span><span class=\"ps13922\">327<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22100 ss2333\"><div><div class=\"ps815 ss1812\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.53pt\"></span></span><span class=\"ps22099\">95<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps22102 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">The consolidated VaR is lower than the sum of the individual VaRs. This arises from the correlation offset between various asset classes (diversification).</span></span></div><div class=\"ps22104 ss8\"><div class=\"ss246 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:471pt\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss2334\"><div><div class=\"ps18250 ss246\"><span class=\"f charStyle-0e78c81e ps7\">Expected shortfall (ES)<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22105 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The ES measure overcomes some of VaR\u2019s shortcomings. ES seeks to quantify losses encountered in the tail beyond the VaR level. </span></div><div class=\"ps22106 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The 95% one-day ES is the average loss given that the 95% one-day VaR level has been exceeded. The table below contains the </span></div><div class=\"ps22107 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">95% one-day ES figures.</span></div><div class=\"ps22117 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:365.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:56.25pt\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps19 ss2336\"><div><div class=\"ps809 ss2335\"><span class=\"f charStyle-a26246ce ps7\">95% one-day ES<span class=\"f ps2\"> </span></span></div></div></div></td><td rowspan=\"2\" style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12531 ss2181\"><div><div class=\"ps11070 ss296\"><span class=\"f charStyle-a26246ce ps3535\">31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps2465 ss2181\"><div><div class=\"ps11070 ss296\"><span class=\"f charStyle-8d4b9b37 ps13554\">31 March 2025<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:9.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps816 ss2337\"><div><div class=\"ps4014 ss2335\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3664 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-2b0f4fe0 ps7\">Interest rates<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22108 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.37pt\"></span></span><span class=\"ps11178\">61<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps12463 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.14pt\"></span></span><span class=\"ps11422\">29<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3425 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-2b0f4fe0 ps7\">Foreign exchange<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22110 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.02pt\"></span></span><span class=\"ps22109\">24<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14748 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.14pt\"></span></span><span class=\"ps11422\">22<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps6433 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-2b0f4fe0 ps7\">Equities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22111 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.77pt\"></span></span><span class=\"ps14850\">315<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14751 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.8pt\"></span></span><span class=\"ps11259\">199<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14752 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-2b0f4fe0 ps7\">Commodities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22112 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.13pt\"></span></span><span class=\"ps11887\">28<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14754 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.82pt\"></span></span><span class=\"ps11202\">5<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14755 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22114 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.71pt\"></span></span><span class=\"ps22113\">2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"padding:0\"><div class=\"ps14759 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.78pt\"></span></span><span class=\"ps11126\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps4015 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-b7f6e8e5 ps7\">Consolidated*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22115 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.42pt\"></span></span><span class=\"ps14746\">292<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps14761 ss305\"><div><div class=\"ps815 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.99pt\"></span></span><span class=\"ps22116\">203<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22118 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">The consolidated ES is lower than the sum of the individual ESs. This arises from the correlation offset between various asset classes.</span></span></div><div class=\"ps22119 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:480.75pt\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss2338\"><div><div class=\"ps18250 ss67\"><span class=\"f charStyle-0e78c81e ps7\">Stressed VaR (sVaR)<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22120 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The sVaR measure is calculated using the VaR model but is based on a one-year period through which the relevant market factors <span class=\"f ps2\"> </span></span></div><div class=\"ps22121 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">experienced stress. The information in the table below contains the 99% one-day sVaR.<span class=\"f ps2\"> </span></span></div><div class=\"ps22124 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:362.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss2148\"><div><div class=\"ps8543 ss2146\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019000<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps18386 ss301\"><div><div class=\"ps8543 ss296\"><span class=\"f charStyle-a26246ce ps3535\">31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps814 ss301\"><div><div class=\"ps8543 ss296\"><span class=\"f charStyle-8d4b9b37 ps13554\">31 March 2025<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2724 ss2148\"><div><div class=\"ps997 ss2146\"><span class=\"f charStyle-b7f6e8e5 ps7\">99% one-day sVaR<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22122 ss301\"><div><div class=\"ps997 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.66pt\"></span></span><span class=\"ps875\">1\u00a0264<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22123 ss301\"><div><div class=\"ps997 ss296\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.63pt\"></span></span><span class=\"ps20295\">1\u00a0019<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div></div><div class=\"ps181 ss8\"><div class=\"ss696 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:213pt\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss2339\"><div><div class=\"ps18250 ss696\"><span class=\"f charStyle-b9f48ea1 ps7\">Backtesting<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps18379 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The performance of the VaR model is regularly monitored </span></div><div class=\"ps22125 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">through backtesting. This is done by comparing daily clean </span></div><div class=\"ps22126 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">profit and loss\u00a0against one-day VaR based on a 99% </span></div><div class=\"ps22127 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">confidence level. Clean profit and loss excludes items such as </span></div><div class=\"ps18382 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">intra-day transactions, valuation adjustments, provisions, </span></div><div class=\"ps18383 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">recoveries, commission, fees and hedge costs included in the </span></div><div class=\"ps4176 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">new trade revenue. If a loss exceeds the one-day VaR, a </span></div><div class=\"ps22128 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">backtesting exception is considered to have occurred. Over </span></div><div class=\"ps22129 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">time, we expect the average rate of\u00a0observed backtesting </span></div><div class=\"ps22130 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">exceptions to be consistent with the percentile of the VaR </span></div><div class=\"ps22131 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">statistic being tested. This is conducted at\u00a0an\u00a0aggregate and </span></div><div class=\"ps22132 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">desk level on a daily basis. </span></div><div class=\"ps18379 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">The graph that follows shows the </span><span class=\"f charStyle-33e1c6d6 ps22133\">result of backtesting the total </span></div><div class=\"ps22125 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">daily 99% one-day VaR against the clean profit and loss data </span></div><div class=\"ps22126 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">for\u00a0our trading activities over the reporting period. Based on </span></div><div class=\"ps22127 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">these graphs, we can gauge the accuracy of the VaR figures, </span></div><div class=\"ps18382 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">i.e.\u00a099%\u00a0of\u00a0the time, losses are not expected to exceed the 99% </span></div><div class=\"ps18383 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">one-day VaR.</span></div><div class=\"ps22138 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">The average VaR for the </span><span class=\"f charStyle-33e1c6d6 ps22134\">year ended</span><span class=\"f charStyle-33e1c6d6 ps22135\"> </span><span class=\"f charStyle-33e1c6d6 ps22136\">31 March 2026</span><span class=\"f charStyle-33e1c6d6 ps22137\"> was lower </span></div><div class=\"ps22142 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">than for the year ended </span><span class=\"f charStyle-33e1c6d6 ps22139\">31 March 2025<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps22140\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps22141\">Using clean profit </span></div><div class=\"ps22143 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">and\u00a0loss\u00a0data for backtesting resulted in two exceptions over </span></div><div class=\"ps22144 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">the period at the 99% confidence level, i.e. where the loss was </span></div><div class=\"ps22145 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">greater\u00a0than\u00a0the\u00a099% one-day VaR, which is in line with the two </span></div><div class=\"ps22146 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">to three exceptions expected at this confidence level.</span></div><div class=\"ps22148 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:18.75pt\"></td><td style=\"padding:0;width:462pt\"></td></tr><tr style=\"height:12.75pt\"><td colspan=\"2\" style=\"padding:0\"><div class=\"ps19 ss2340\"><div><div class=\"ps29 ss67\"><span class=\"f charStyle-8148111c ps7\">99% one-day VaR backtesting (\u00a3)<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22149 ss8\"><div class=\"ps14\"><div class=\"ps19\"><img alt=\"866\" id=\"i-212\" 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\" style=\"height:202.5pt;width:480pt\"/></div></div></div><div class=\"ps22155 ss8\"><div class=\"ss125 ws0 ps22154\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:231pt\"></td><td style=\"padding:0;width:12pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:231pt\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#303849;border-bottom:0.25pt solid #b1afa8;border-top:0.25pt solid #b1afa8;padding:0\"></td><td style=\"border-bottom:0.25pt solid #b1afa8;border-top:0.25pt solid #b1afa8;padding:0\"><div class=\"ps22152 ss2273\"><div><div class=\"ps22151 ss1467\"><span class=\"f charStyle-6fb37d81 ps7\">99% one-day VaR<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#dbb381;border-bottom:0.25pt solid #b1afa8;border-top:0.25pt solid #b1afa8;padding:0\"></td><td style=\"border-bottom:0.25pt solid #b1afa8;border-top:0.25pt solid #b1afa8;padding:0\"><div class=\"ps22153 ss2273\"><div><div class=\"ps22151 ss1467\"><span class=\"f charStyle-6fb37d81 ps7\">Clean P/L<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps181 ss8\"><div class=\"ss669 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:20.25pt\"></td><td style=\"padding:0;width:213pt\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss1214\"><div><div class=\"ps28 ss92\"><div class=\"ps21918\"><div class=\"ps19\"><img alt=\"Unaudited_information.svg\" id=\"i-214\" src=\"data:image/svg+xml;base64,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\" style=\"height:15.59pt;width:17.97pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps387 ss2339\"><div><div class=\"ps18250 ss696\"><span class=\"f charStyle-b9f48ea1 ps7\">Clean profit and loss histogram<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps18379 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The histogram below illustrates the distribution of clean profit and loss during the financial year for our trading businesses. The </span></div><div class=\"ps22125 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">graph shows that a clean profit was realised on </span><span class=\"f charStyle-33e1c6d6 ps22156\">193<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps22157\"> days out of a total of </span><span class=\"f charStyle-33e1c6d6 ps22158\">253</span><span class=\"f charStyle-33e1c6d6 ps22159\"> days in the trading business. The average daily clean </span></div><div class=\"ps22126 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">profit and loss generated for the </span><span class=\"f charStyle-33e1c6d6 ps22160\">year to</span><span class=\"f charStyle-33e1c6d6 ps22161\"> </span><span class=\"f charStyle-33e1c6d6 ps22162\">31 March 2026</span><span class=\"f charStyle-33e1c6d6 ps22163\"> was \u00a3</span><span class=\"f charStyle-33e1c6d6 ps22164\">70\u00a0575</span><span class=\"f charStyle-33e1c6d6 ps22165\"> (<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps22166\">31 March 2025</span><span class=\"f charStyle-33e1c6d6 ps22167\">: \u00a3<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps22168\">72\u00a0098</span><span class=\"f charStyle-33e1c6d6 ps22169\">).</span></div><div class=\"ps22170 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Clean profit and loss</span></div><div class=\"ps22171 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-9458d4de ps23\">Frequency: Days in the year<span class=\"f ps2\"> </span></span></div><div class=\"ps22172 ss8\"><div class=\"ps14\"><div class=\"ps19\"><img alt=\"953\" id=\"i-215\" 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\" style=\"height:165pt;width:480pt\"/></div></div></div><div class=\"ps22175 ss8\"><div class=\"ss67 ws0 ps22174\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:477.75pt\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#303849;border-bottom:0.25pt solid #b1afa8;border-top:0.25pt solid #b1afa8;padding:0\"></td><td style=\"border-bottom:0.25pt solid #b1afa8;border-top:0.25pt solid #b1afa8;padding:0\"><div class=\"ps22152 ss1779\"><div><div class=\"ps22151 ss1718\"><span class=\"f charStyle-6fb37d81 ps7\">Clean profit/(loss) earned per day (\u00a3\u2019million)<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22176 ss8\"><div class=\"ss488 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:20.25pt\"></td><td style=\"padding:0;width:458.25pt\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss1214\"><div><div class=\"ps28 ss92\"><div class=\"ps21918\"><div class=\"ps19\"><img alt=\"Unaudited_information.svg\" id=\"i-217\" src=\"data:image/svg+xml;base64,CjxzdmcgeG1sbnM9Imh0dHA6Ly93d3cudzMub3JnLzIwMDAvc3ZnIj4gCgk8aW1hZ2UgcHJlc2VydmVBc3BlY3RSYXRpbz0ibm9uZSIgd2lkdGg9IjEwMCUiIGhlaWdodD0iMTAwJSIgaHJlZj0iZGF0YTppbWFnZS9zdmcreG1sO2Jhc2U2NCxQRDk0Yld3Z2RtVnljMmx2YmowaU1TNHdJaUJsYm1OdlpHbHVaejBpVlZSR0xUZ2lQejQ4YzNabklHbGtQU0pNWVhsbGNsOHlJaUI0Yld4dWN6MGlhSFIwY0RvdkwzZDNkeTUzTXk1dmNtY3ZNakF3TUM5emRtY2lJSFpwWlhkQ2IzZzlJakFnTUNBeU1pNDBOeUF4T1M0ME9DSStQR1JsWm5NK1BITjBlV3hsUGk1amJITXRNWHR6ZEhKdmEyVXRkMmxrZEdnNkxqYzFjSGc3ZlM1amJITXRNU3d1WTJ4ekxUSjdabWxzYkRwdWIyNWxPM04wY205clpUb2pNak14WmpJd08zTjBjbTlyWlMxc2FXNWxZMkZ3T25KdmRXNWtPM04wY205clpTMXNhVzVsYW05cGJqcHliM1Z1WkR0OUxtTnNjeTB5ZTNOMGNtOXJaUzEzYVdSMGFEb3VOelZ3ZUR0OUxtTnNjeTB6ZTJacGJHdzZJekl6TVdZeU1EdHpkSEp2YTJVdGQybGtkR2c2TUhCNE8zMDhMM04wZVd4bFBqd3ZaR1ZtY3o0OFp5QnBaRDBpVEdGNVpYSmZNUzB5SWo0OGNHRjBhQ0JqYkdGemN6MGlZMnh6TFRFaUlHUTlJbTA1TGpnNUxERTRMamszWXkwdU1EY3NNQzB1TVRVc01DMHVNaklzTUVNMExqVTBMREU0TGprM0xqTTNMREUwTGpneExqTTNMRGt1TmpkVE5DNDFOQzR6Tnl3NUxqWTNMak0zY3prdU15dzBMakUyTERrdU15dzVMak1pTHo0OGNHRjBhQ0JqYkdGemN6MGlZMnh6TFRNaUlHUTlJbTAzTGpNMExERXpMamhvTFRFdU1EVnNNeTR3TkMwNExqRXlhREV1TURSc015NHdOQ3c0TGpFeWFDMHhMakExYkMweUxqUTRMVFl1T0ROb0xTNHdObXd0TWk0ME9DdzJMamd6V20wdU16a3RNeTR4TjJnMExqSTBkaTQ0TjJndE5DNHlOSFl0TGpnM1dpSXZQanhzYVc1bElHTnNZWE56UFNKamJITXRNaUlnZURFOUlqRTBMamc0SWlCNU1UMGlNVEV1T1NJZ2VESTlJakl5TGpBNUlpQjVNajBpTVRrdU1URWlMejQ4YkdsdVpTQmpiR0Z6Y3owaVkyeHpMVElpSUhneFBTSXlNaTR3T1NJZ2VURTlJakV4TGpraUlIZ3lQU0l4TkM0NE9DSWdlVEk5SWpFNUxqRXhJaTgrUEM5blBqd3ZjM1puUGc9PSI+PC9pbWFnZT4KPC9zdmc+Cg==\" style=\"height:15.59pt;width:17.97pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><span id=\"i513f95199b8a4c7c9aaebb195669bdab_0-1-1-1-3222700\"></span><div class=\"ps387 ss2342\"><div><div class=\"ps18250 ss2341\"><span class=\"f charStyle-0e78c81e ps7\">Market risk \u2013 derivatives<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22177 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group </span><span class=\"f charStyle-33e1c6d6 ps5264\">enters into various derivative contracts, largely on the back of customer flow. These are used for hedging foreign </span></div><div class=\"ps22178 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">exchange, interest rates, commodity, equity and credit exposures and to a small extent as principal for trading purposes. Traded </span></div><div class=\"ps22179 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">instruments include contract for differences, financial futures, options, swaps and forward rate agreements. </span></div><div class=\"ps22181 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:20.25pt\"></td><td style=\"padding:0;width:460.5pt\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps19 ss2324\"><div><div class=\"ps28 ss92\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Page_references.svg\" id=\"i-218\" src=\"data:image/svg+xml;base64,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\" style=\"height:15.59pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps387 ss2344\"><div><div class=\"ps2632 ss2343\"><span class=\"f charStyle-9458d4de ps7\">Information showing our derivative trading portfolio over the reporting period on the basis of the notional principal and the fair </span></div><div class=\"ps2634 ss2343\"><span class=\"f charStyle-9458d4de ps7\">value of all derivatives can be found on page <span class=\"f ps2\"> </span></span><span class=\"f charStyle-2b0f4fe0 ps22180\"><a class=\"Hyperlink\" href=\"#iccba24ea0cd14a1fbe74568356c33a8e_292\" style=\"z-index:1\">121</a><span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps15007\">.<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps18379 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Overview</span></div><div class=\"ps22738 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">IRRBB is an inherent consequence of conducting banking </span></div><div class=\"ps22739 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">activities, and arises from the provision of non-trading banking </span></div><div class=\"ps22742 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">products and services. The</span><span class=\"f charStyle-33e1c6d6 ps22740\"> Group </span><span class=\"f charStyle-33e1c6d6 ps22741\">considers the management </span></div><div class=\"ps22743 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of banking margin of vital importance, and our IRRBB philosophy </span></div><div class=\"ps22744 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">is reflected in our day-to-day practices.</span></div><div class=\"ps22745 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The aim of IRRBB management is to protect net interest </span></div><div class=\"ps22746 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">earnings and economic value of equity in accordance with the </span></div><div class=\"ps4180 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Board-approved risk appetite.</span></div><div class=\"ps4181 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Sources of IRRBB include:</span></div><div class=\"ps22748 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps461\">Repricing risk:</span><span class=\"f charStyle-33e1c6d6 ps22747\"> arises from the timing differences in the fixed </span></div><div class=\"ps22751 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">rate maturity and floating rate repricing of</span><span class=\"f charStyle-33e1c6d6 ps22749\"> Group </span><span class=\"f charStyle-33e1c6d6 ps22750\">assets, </span></div><div class=\"ps22752 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">liabilities and derivative positions. This affects the interest </span></div><div class=\"ps22753 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">rate margin realised between lending income and borrowing </span></div><div class=\"ps22754 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">costs when applied to our rate sensitive portfolios</span></div><div class=\"ps22757 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps461\">Yield curve risk:</span><span class=\"f charStyle-33e1c6d6 ps22755\"> repricing mismatches also expose the</span><span class=\"f charStyle-33e1c6d6 ps22756\"> </span></div><div class=\"ps22759 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">Group </span><span class=\"f charStyle-33e1c6d6 ps22758\">to changes in the slope and shape of the yield curve</span></div><div class=\"ps22761 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps461\">Basis risk: </span><span class=\"f charStyle-33e1c6d6 ps22760\">arises from imperfect correlation in the </span></div><div class=\"ps22762 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">adjustments of the rates earned and paid on different </span></div><div class=\"ps22763 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">instruments with otherwise similar repricing characteristics</span></div><div class=\"ps22765 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps461\">Embedded option risk:</span><span class=\"f charStyle-33e1c6d6 ps22764\"> arises from optional elements </span></div><div class=\"ps22768 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">embedded in items where the</span><span class=\"f charStyle-33e1c6d6 ps22766\"> Group </span><span class=\"f charStyle-33e1c6d6 ps22767\">or its customers can </span></div><div class=\"ps22769 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">alter the level and timing of their cash flows, such as the </span></div><div class=\"ps22770 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">prepayment of fixed rate loans and withdrawal of non-</span></div><div class=\"ps22771 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">maturity deposits (NMDs)</span></div><div class=\"ps22773 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps461\">Endowment risk:</span><span class=\"f charStyle-33e1c6d6 ps22772\"> refers to the interest rate risk exposure </span></div><div class=\"ps22774 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">arising from the net differential between interest rate </span></div><div class=\"ps22775 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">insensitive assets, interest rate insensitive liabilities </span></div><div class=\"ps22776 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">and\u00a0capital.</span></div><div class=\"ps22777 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The above sources of interest rate risk\u00a0affect the interest rate </span></div><div class=\"ps22778 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">margin realised between lending income and borrowing costs </span></div><div class=\"ps22779 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">when applied to our rate sensitive asset and liability portfolios, </span></div><div class=\"ps22780 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">which has a\u00a0direct effect on future net interest earnings and the </span></div><div class=\"ps22781 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">economic value of equity.</span></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps74\">Risk management and measurement<span class=\"f ps2\"> </span><span id=\"i4298e21e46a84636ae4baccaf7cfb863_8571\"></span></span></div><div class=\"ps10770 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Each banking entity has its own Board-approved IRRBB </span></div><div class=\"ps10771 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">appetite, covering both income and economic value risk. The</span><span class=\"f charStyle-33e1c6d6 ps22782\"> </span></div><div class=\"ps19160 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Group</span><span class=\"f charStyle-33e1c6d6 ps22783\"> has limited appetite for\u00a0IRRBB.</span><span class=\"f charStyle-33e1c6d6 ps22784\"> </span></div><div class=\"ps10773 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Operationally, daily management of interest rate risk is </span></div><div class=\"ps10774 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">centralised within the Treasury of each banking entity and is </span></div><div class=\"ps10775 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">subject to local independent risk and ALCO review. Where </span></div><div class=\"ps22785 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">possible, Treasury further mitigates any residual risk by </span></div><div class=\"ps21174 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">changing the duration of the banking book\u2019s discretionary liquid </span></div><div class=\"ps19440 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">asset portfolio, or through derivative transactions. The Treasury </span></div><div class=\"ps19447 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">mandate allows for a tactical response to market volatility which </span></div><div class=\"ps21175 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">may arise during changing interest rate cycles, in order to </span></div><div class=\"ps21176 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">hedge residual exposures. Any\u00a0resultant interest rate position </span></div><div class=\"ps19169 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">is\u00a0managed under the IRRBB risk limits. Balance sheet risk </span></div><div class=\"ps19170 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">management independently monitors a broad range of\u00a0interest </span></div><div class=\"ps19171 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">rate risk metrics to changes in\u00a0interest rate risk factors, detailing </span></div><div class=\"ps19173 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">the sources of interest rate exposure.</span></div><div class=\"ps22786 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Automatic optionality arising from variable rate products with </span></div><div class=\"ps22787 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">an\u00a0embedded minimum lending rate serves as an income </span></div><div class=\"ps22788 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">protection mechanism for the Group against falling interest </span></div><div class=\"ps22789 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">rates, while behavioural optionality risk from customers of fixed </span></div><div class=\"ps22790 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">rate products is mitigated by early repayment charges.</span></div><div class=\"ps22791 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">The UK Bank maintains a structural hedging programme to </span></div><div class=\"ps22792 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">reduce the sensitivity of earnings to short-term interest rate </span></div><div class=\"ps22793 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">movements. An amortising profile of \u00a32.1 billion tangible equity </span></div><div class=\"ps22794 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">has been assigned with an average duration of 2.5 years evenly </span></div><div class=\"ps22795 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">distributed over the period. The termed equity is then hedged </span></div><div class=\"ps22797 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">and managed within the </span><span class=\"f charStyle-33e1c6d6 ps22796\">overall interest rate risk appetite. </span></div><div class=\"ps22798 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">IRRBB is measured and analysed by utilising standard tools of </span></div><div class=\"ps22799 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">traditional interest rate repricing mismatch and net present </span></div><div class=\"ps22800 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">value (NPV) sensitivity to changes in interest rate risk factors:</span></div><div class=\"ps19604 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps663\">Income metrics capture the change in accruals expected over </span></div><div class=\"ps19612 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">a specified time horizon in response to a change in interest </span></div><div class=\"ps19615 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">rates</span></div><div class=\"ps22801 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps663\">Economic value metrics capture all future cash flows in order </span></div><div class=\"ps22802 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">to calculate the Group\u2019s net worth and therefore can highlight </span></div><div class=\"ps22803 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">risks beyond the short-term earnings time horizon.</span></div><div class=\"ps19620 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">These metrics are used to assess and to\u00a0communicate to senior </span></div><div class=\"ps19624 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">management the financial impact of possible future interest rate </span></div><div class=\"ps22804 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">scenarios, covering:</span></div><div class=\"ps22805 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps663\">Interest rate expectations and perceived risks to the </span></div><div class=\"ps22806 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">central\u00a0view</span></div><div class=\"ps22807 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps663\">Standard shocks to levels and shapes of interest rates and </span></div><div class=\"ps22808 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">yield curves.</span></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The repricing gap provides a simple representation of the </span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">balance sheet, with the sensitivity of fair values and earnings to </span></div><div class=\"ps701 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">changes to interest rates calculated off the repricing gap. This </span></div><div class=\"ps702 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">also allows for the detection of interest rate risk concentration </span></div><div class=\"ps3313 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">in specific repricing buckets. Net interest income sensitivity </span></div><div class=\"ps6370 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">measures the change in accruals expected over the specified </span></div><div class=\"ps80 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">horizon in response to a shift in the yield curve. Economic value </span></div><div class=\"ps707 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sensitivity and stress testing to macro-economic movements or </span></div><div class=\"ps710 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">changes in the yield curve measures the impact of interest rate </span></div><div class=\"ps712 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">shocks on net present value, based on discounted asset and </span></div><div class=\"ps3315 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">liability cashflows. Economic value measures have the </span></div><div class=\"ps3316 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">advantage that all future cash flows are considered and </span></div><div class=\"ps6373 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">therefore assess the risk beyond the earnings horizon.</span></div><div class=\"ps6028 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Net interest income sensitivity</span></div><div class=\"ps19170 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">IRRBB is measured and monitored using an income sensitivity </span></div><div class=\"ps19171 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">approach. The tables below reflect an illustrative annualised net </span></div><div class=\"ps19173 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">interest income value sensitivity to a 0.25% parallel shift in </span></div><div class=\"ps21659 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">interest rates, based on modelled assumptions, assuming no </span></div><div class=\"ps21660 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">management action. </span></div><div class=\"ps22819 ss8\"><div class=\"ss669 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:113.25pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss2187\"><div><div class=\"ps809 ss350\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19176 ss287\"><div><div class=\"ps809 ss286\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps808\">31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22811 ss287\"><div><div class=\"ps809 ss286\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps22809\"> </span><span class=\"f charStyle-6f1c08a8 ps22810\">31 March 2025</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps816 ss2187\"><div><div class=\"ps97 ss350\"><span class=\"f charStyle-c4fc3a3f ps7\">25bps down<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22813 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.6pt\"></span></span><span class=\"ps22812\">(8.2)</span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps22815 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.15pt\"></span></span><span class=\"ps22814\">(9.3)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps817 ss2187\"><div><div class=\"ps97 ss350\"><span class=\"f charStyle-c4fc3a3f ps7\">25bps up<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22817 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.71pt\"></span></span><span class=\"ps22816\">7.0<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22818 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.23pt\"></span></span><span class=\"ps19118\">7.9<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22820 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Economic value (EV) sensitivity </span></div><div class=\"ps22821 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">IRRBB is measured and monitored using the EV sensitivity </span></div><div class=\"ps22823 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">approach.</span><span class=\"f charStyle-33e1c6d6 ps22822\"> The tables below reflect an illustrative economic </span></div><div class=\"ps22824 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">value sensitivity to a 2% parallel shift in interest rates, based on </span></div><div class=\"ps22825 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">modelled assumptions, assuming no management action. This </span></div><div class=\"ps22826 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sensitivity effect would only have a negligible direct impact on </span></div><div class=\"ps22827 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">our equity.</span></div><div class=\"ps22831 ss8\"><div class=\"ss669 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:113.25pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss2187\"><div><div class=\"ps809 ss350\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19176 ss287\"><div><div class=\"ps809 ss286\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps808\">31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22811 ss287\"><div><div class=\"ps809 ss286\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps22809\"> </span><span class=\"f charStyle-6f1c08a8 ps22810\">31 March 2025</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps816 ss2187\"><div><div class=\"ps97 ss350\"><span class=\"f charStyle-c4fc3a3f ps7\">200bps down<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22813 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.44pt\"></span></span><span class=\"ps20454\">(1.0)</span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps22815 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.39pt\"></span></span><span class=\"ps22828\">(5.8)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps817 ss2187\"><div><div class=\"ps97 ss350\"><span class=\"f charStyle-c4fc3a3f ps7\">200bps up<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22817 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.72pt\"></span></span><span class=\"ps22829\">(10.2)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22818 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.28pt\"></span></span><span class=\"ps22830\">(8.2)</span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfMarketRiskExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-968": {
   "value": "<div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_448\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps181 ss8\"><div class=\"ss921 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:20.25pt\"></td><td style=\"padding:0;width:200.25pt\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss1214\"><div><div class=\"ps28 ss92\"><div class=\"ps21918\"><div class=\"ps19\"><img alt=\"Unaudited_information.svg\" id=\"i-219\" src=\"data:image/svg+xml;base64,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\" style=\"height:15.59pt;width:17.98pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps387 ss1013\"><div><div class=\"ps18378 ss969\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps7\">60</span><span class=\"f charStyle-f6a3ab10 ps4299\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15046\">Balance sheet risk<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22183 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Overview<span class=\"f ps2\"> </span></span></div><div class=\"ps22184 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The balance sheet risk framework continually ensures that a <span class=\"f ps2\"> </span></span></div><div class=\"ps22185 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">comprehensive approach is taken to the management and <span class=\"f ps2\"> </span></span></div><div class=\"ps22186 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">mitigation of liquidity, funding and IRRBB risks, while ensuring <span class=\"f ps2\"> </span></span></div><div class=\"ps22187 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">adherence to regulatory requirements and internal risk appetite <span class=\"f ps2\"> </span></span></div><div class=\"ps22188 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and policies.<span class=\"f ps2\"> </span></span></div><div class=\"ps22189 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Risk management<span class=\"f ps2\"> </span></span></div><div class=\"ps22191 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec plc (and its subsidiaries, including IBP) <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps22190\">are ring-fenced <span class=\"f ps2\"> </span></span></div><div class=\"ps22192 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">from Investec Limited (and its subsidiaries), and vice versa. <span class=\"f ps2\"> </span></span></div><div class=\"ps22193 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Both legal entities (and their subsidiaries) are therefore required <span class=\"f ps2\"> </span></span></div><div class=\"ps22194 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">to be self-funded, and manage their funding, liquidity and IRRBB <span class=\"f ps2\"> </span></span></div><div class=\"ps22196 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">risk as separate entities.<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps22195\"> <span class=\"f ps2\"> </span></span></div><div class=\"ps22197 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Each banking entity must have its own Board-approved balance <span class=\"f ps2\"> </span></span></div><div class=\"ps22198 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sheet risk management policies. Risk appetite limits are set at <span class=\"f ps2\"> </span></span></div><div class=\"ps22199 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the relevant Board level and reviewed at least on an annual <span class=\"f ps2\"> </span></span></div><div class=\"ps22200 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">basis. The size, materiality, complexity, maturity and depth of <span class=\"f ps2\"> </span></span></div><div class=\"ps22201 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the market as well as access to stable funds are all inputs <span class=\"f ps2\"> </span></span></div><div class=\"ps22202 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">considered when establishing the risk appetite for each relevant <span class=\"f ps2\"> </span></span></div><div class=\"ps22203 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">region. Specific regulatory requirements may further dictate <span class=\"f ps2\"> </span></span></div><div class=\"ps7692 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">additional restrictions to be adopted in a region.<span class=\"f ps2\"> </span></span></div><div class=\"ps22204 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Under delegated authority of the respective Boards, the Group <span class=\"f ps2\"> </span></span></div><div class=\"ps7694 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">has established ALCOs within each banking entity, using <span class=\"f ps2\"> </span></span></div><div class=\"ps7695 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">regional expertise and local market access as appropriate. The <span class=\"f ps2\"> </span></span></div><div class=\"ps22205 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">ALCOs are mandated to ensure independent oversight of <span class=\"f ps2\"> </span></span></div><div class=\"ps22206 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">liquidity risk and IRRBB.<span class=\"f ps2\"> </span></span></div><div class=\"ps22207 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">ALCOs assess balance sheet exposures and market conditions <span class=\"f ps2\"> </span></span></div><div class=\"ps22208 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">to develop strategies for risk mitigation. The Treasury function <span class=\"f ps2\"> </span></span></div><div class=\"ps22209 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">within each banking entity is mandated to holistically manage <span class=\"f ps2\"> </span></span></div><div class=\"ps22210 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the risk on a day-to-day basis.<span class=\"f ps2\"> </span></span></div><div class=\"ps22211 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Treasury function, by banking entity, is required to exercise <span class=\"f ps2\"> </span></span></div><div class=\"ps22212 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">tight control of all balance sheet risks (liquidity, funding, <span class=\"f ps2\"> </span></span></div><div class=\"ps22213 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">concentration, encumbrance and IRRBB) within the Board-<span class=\"f ps2\"> </span></span></div><div class=\"ps22214 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">approved risk appetite limits. IRRBB and asset funding <span class=\"f ps2\"> </span></span></div><div class=\"ps22215 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">requirements are transferred from the originating business to <span class=\"f ps2\"> </span></span></div><div class=\"ps22216 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the Treasury function.<span class=\"f ps2\"> </span></span></div><div class=\"ps22217 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Treasury function, by banking entity, directs pricing for all <span class=\"f ps2\"> </span></span></div><div class=\"ps22218 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">deposit products, establishes and maintains access to stable <span class=\"f ps2\"> </span></span></div><div class=\"ps22219 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">funds with the appropriate tenor and pricing characteristics, and <span class=\"f ps2\"> </span></span></div><div class=\"ps22220 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">manages liquid securities and collateral.<span class=\"f ps2\"> </span></span></div><div class=\"ps22221 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Balance sheet risk management is based within Group risk <span class=\"f ps2\"> </span></span></div><div class=\"ps22222 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">management and is responsible for identifying, quantifying, </span></div><div class=\"ps17118 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">monitoring and communicating risks while providing </span></div><div class=\"ps17119 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">independent oversight of the treasury activities and </span></div><div class=\"ps22224 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">guaranteeing the adherence to the Group\u2019s <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps22223\">policies.<span class=\"f ps2\"> </span></span></div><div class=\"ps22225 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps23\">Daily, weekly and monthly reports are independently produced <span class=\"f ps2\"> </span></span></div><div class=\"ps22226 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps23\">highlighting Group activity, exposures and key measures against <span class=\"f ps2\"> </span></span></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps74\">thresholds and limits and are distributed to management, ALCO, <span class=\"f ps2\"> </span></span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps74\">Treasury,<span class=\"f ps2\"> </span></span><span class=\"f charStyle-c8d875d6 ps22227\"> </span><span class=\"f charStyle-c8d875d6 ps22228\">IBP Review ERRF,<span class=\"f ps2\"> </span></span><span class=\"f charStyle-c8d875d6 ps22229\"> <span class=\"f ps2\"> </span></span><span class=\"f charStyle-c8d875d6 ps22230\">IBP ERC</span><span class=\"f charStyle-c8d875d6 ps22231\">, </span><span class=\"f charStyle-c8d875d6 ps22232\">IBP BRCC<span class=\"f ps2\"> </span></span><span class=\"f charStyle-c8d875d6 ps22233\">, and DLC BRCC </span></div><div class=\"ps701 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps74\">as well as summarised reports for Board meetings.<span class=\"f ps2\"> </span></span></div><div class=\"ps6025 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">There is a regular internal audit of the processes and policies <span class=\"f ps2\"> </span></span></div><div class=\"ps705 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">within the balance sheet risk management function, the <span class=\"f ps2\"> </span></span></div><div class=\"ps706 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">frequency of which is determined by internal audit.<span class=\"f ps2\"> </span></span></div><div class=\"ps22234 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps74\">Liquidity risk<span class=\"f ps2\"> </span><span id=\"i4298e21e46a84636ae4baccaf7cfb863_4115\"></span></span></div><div class=\"ps10632 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps74\">Overview</span></div><div class=\"ps22235 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Cohesive liquidity management is vital for\u00a0protecting our </span></div><div class=\"ps22236 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">depositors, preserving market confidence, safeguarding our </span></div><div class=\"ps10724 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">reputation and ensuring sustainable growth with established </span></div><div class=\"ps21588 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">funding sources. Through active liquidity management, </span></div><div class=\"ps21590 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">we\u00a0seek\u00a0to preserve stable, reliable and cost-effective </span></div><div class=\"ps22237 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">sources\u00a0of funding. </span></div><div class=\"ps21592 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-05f4b8d8 ps74\">Risk management and measurement</span></div><div class=\"ps22238 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">A suite of internal and regulatory metrics are used on a current <span class=\"f ps2\"> </span></span></div><div class=\"ps22239 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">and forward-looking basis to manage liquidity risk and funding <span class=\"f ps2\"> </span></span></div><div class=\"ps22240 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">risk. Future cash flows are monitored on a contractual, <span class=\"f ps2\"> </span></span></div><div class=\"ps22241 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">business-as-usual and stressed basis. Stress testing is based <span class=\"f ps2\"> </span></span></div><div class=\"ps22242 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">on a range of historical and hypothetical scenarios.<span class=\"f ps2\"> </span></span></div><div class=\"ps10734 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">We also perform reverse stress tests to identify business model </span></div><div class=\"ps22243 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">vulnerabilities, testing \u2018tail risks\u2019 that can be missed in normal </span></div><div class=\"ps22244 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">stress tests.</span></div><div class=\"ps10737 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps74\">Additionally, the Group <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps22245\">maintains a contingency funding plan </span></div><div class=\"ps22246 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">outlining actions to be taken in a liquidity stress. These plans </span></div><div class=\"ps22247 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">ensure the Group can meet cash\u2011flow commitments during </span></div><div class=\"ps22248 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">market disruption or bank\u2011specific events while minimising </span></div><div class=\"ps22249 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">long\u2011term business impacts. </span></div><div class=\"ps10742 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps74\">The plans are tested internally to assess the Group\u2019s readiness </span></div><div class=\"ps22250 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps74\">and ability to adequately contain a liquidity stress.</span></div><div class=\"ps22253 ss8\"><div class=\"ss222 ws0 ps89\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:18.75pt\"></td><td style=\"padding:0;width:216pt\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss2149\"><div><div class=\"ps28 ss740\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Page_references.svg\" id=\"i-220\" src=\"data:image/svg+xml;base64,CjxzdmcgeG1sbnM9Imh0dHA6Ly93d3cudzMub3JnLzIwMDAvc3ZnIj4gCgk8aW1hZ2UgcHJlc2VydmVBc3BlY3RSYXRpbz0ibm9uZSIgd2lkdGg9IjEwMCUiIGhlaWdodD0iMTAwJSIgaHJlZj0iZGF0YTppbWFnZS9zdmcreG1sO2Jhc2U2NCxQRDk0Yld3Z2RtVnljMmx2YmowaU1TNHdJaUJsYm1OdlpHbHVaejBpVlZSR0xUZ2lQejQ4YzNabklHbGtQU0pNWVhsbGNsOHlJaUI0Yld4dWN6MGlhSFIwY0RvdkwzZDNkeTUzTXk1dmNtY3ZNakF3TUM5emRtY2lJSFpwWlhkQ2IzZzlJakFnTUNBeU1DNDROaUF5TUM0NE5pSStQR1JsWm5NK1BITjBlV3hsUGk1amJITXRNWHR6ZEhKdmEyVXRiR2x1WldwdmFXNDZjbTkxYm1RN2ZTNWpiSE10TVN3dVkyeHpMVElzTG1Oc2N5MHplMlpwYkd3NmJtOXVaVHR6ZEhKdmEyVTZJekl6TVdZeU1EdHpkSEp2YTJVdGQybGtkR2c2TGpjMWNIZzdmUzVqYkhNdE1Td3VZMnh6TFRON2MzUnliMnRsTFd4cGJtVmpZWEE2Y205MWJtUTdmUzVqYkhNdE1pd3VZMnh6TFRON2MzUnliMnRsTFcxcGRHVnliR2x0YVhRNk1UQTdmVHd2YzNSNWJHVStQQzlrWldaelBqeG5JR2xrUFNKTVlYbGxjbDh4TFRJaVBqeGphWEpqYkdVZ1kyeGhjM005SW1Oc2N5MHlJaUJqZUQwaU1UQXVORE1pSUdONVBTSXhNQzQwTXlJZ2NqMGlNVEF1TURZaUx6NDhjRzlzZVd4cGJtVWdZMnhoYzNNOUltTnNjeTB4SWlCd2IybHVkSE05SWpFeExqVWdOeTR3TlNBeE5DNDROU0F4TUM0MElERXhMalVnTVRNdU56a2lMejQ4YkdsdVpTQmpiR0Z6Y3owaVkyeHpMVE1pSUhneFBTSTFMamc1SWlCNU1UMGlNVEF1TkNJZ2VESTlJakUwTGpnMUlpQjVNajBpTVRBdU5DSXZQand2Wno0OEwzTjJaejQ9Ij48L2ltYWdlPgo8L3N2Zz4K\" style=\"height:15.59pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps3212 ss2345\"><div><div class=\"ps472 ss605\"><span class=\"f charStyle-dfebf007 ps7\">Further information on recovery and resolution planning can be </span></div><div class=\"ps5741 ss605\"><span class=\"f charStyle-dfebf007 ps7\">found on page <span class=\"f ps2\"> </span></span><span class=\"f charStyle-2e616cac ps22251\"><a class=\"Hyperlink\" href=\"#iccba24ea0cd14a1fbe74568356c33a8e_454\" style=\"z-index:1\">194</a><span class=\"f ps2\"> </span></span><span class=\"f charStyle-dfebf007 ps22252\">.<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22254 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">To protect against potential shocks, we hold a liquidity buffer in <span class=\"f ps2\"> </span></span></div><div class=\"ps22255 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">the form of cash, unencumbered HQLA (typically in the form of <span class=\"f ps2\"> </span></span></div><div class=\"ps22256 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">government or rated securities eligible for repurchase with the <span class=\"f ps2\"> </span></span></div><div class=\"ps22257 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">central bank). The liquidity buffer is well in excess of regulatory <span class=\"f ps2\"> </span></span></div><div class=\"ps22258 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">requirements as protection against disruptions in cash flows. The <span class=\"f ps2\"> </span></span></div><div class=\"ps22260 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">liquidity buffer is managed within Board-approved targets.<span class=\"f ps2\"> </span></span><span class=\"f charStyle-a7a56500 ps22259\"> The </span></div><div class=\"ps22262 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">Group <span class=\"f ps2\"> </span></span><span class=\"f charStyle-a7a56500 ps22261\">remains a net liquidity provider to the market. We do not </span></div><div class=\"ps22263 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-a7a56500 ps74\">rely on overnight interbank deposits to fund term lending.</span></div><div class=\"ps22264 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps74\">For non-cash items, prudent market risk limits are in place to </span></div><div class=\"ps22265 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps74\">control the market volatility of securities and the amount of cash </span></div><div class=\"ps22266 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps74\">that can be generated by those securities under a market stress. </span></div><div class=\"ps22269 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps74\">From 1 April 2025 to </span><span class=\"f charStyle-68c7bd0e ps22267\">31 March 2026</span><span class=\"f charStyle-68c7bd0e ps22268\"> average cash and near cash </span></div><div class=\"ps22272 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps74\">balances over the period amounted to \u00a3</span><span class=\"f charStyle-68c7bd0e ps22270\">8.9<span class=\"f ps2\"> </span></span><span class=\"f charStyle-68c7bd0e ps22271\"> billion.</span></div></div><div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Liquidity mismatch<span class=\"f ps2\"> </span></span></div><div class=\"ps10770 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The following tables show the contractual and behavioural <span class=\"f ps2\"> </span></span></div><div class=\"ps10771 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">liquidity gaps.</span></div><div class=\"ps10772 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The contractual liquidity tables </span><span class=\"f charStyle-33e1c6d6 ps22275\">record all assets and liabilities </span></div><div class=\"ps10773 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">with the underlying contractual maturity</span><span class=\"f charStyle-33e1c6d6 ps22276\"> with earlier redemption </span></div><div class=\"ps10774 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">options on capital instruments at the discretion of the Group </span></div><div class=\"ps10775 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reflected based on market expected exercise dates.</span></div><div class=\"ps10776 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">For the behavioural liquidity gap, we adjust contractual </span></div><div class=\"ps19165 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">maturities to reflect expected behaviour of assets and liabilities. </span></div><div class=\"ps19166 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Key adjustments include:</span></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps663\">Liquidity buffer:</span><span class=\"f charStyle-33e1c6d6 ps22277\"> </span><span class=\"f charStyle-33e1c6d6 ps22278\">HQLA are assumed to be monetised <span class=\"f ps2\"> </span></span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">immediately in a stress scenario as<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps22279\"> </span><span class=\"f charStyle-33e1c6d6 ps22280\">Central\u2011bank\u2011eligible </span></div><div class=\"ps701 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">regulatory liquid assets are treated as \u2018on demand\u2019</span><span class=\"f charStyle-33e1c6d6 ps22281\">.</span></div><div class=\"ps6025 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps663\">Customer deposits:</span><span class=\"f charStyle-33e1c6d6 ps22282\"> </span><span class=\"f charStyle-33e1c6d6 ps22283\">Behavioural modelling based on </span></div><div class=\"ps705 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">historical observations identifies core deposits that remain </span></div><div class=\"ps706 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">stable beyond their contractual maturities and therefore </span></div><div class=\"ps3314 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">provide structural liquidity.</span></div><div class=\"ps22285 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-ae98c9a5 ps23\">Contractual liquidity at <span id=\"i4298e21e46a84636ae4baccaf7cfb863_4112\"></span></span><span class=\"f charStyle-ae98c9a5 ps22284\">31 March 2026</span></div><div class=\"ps22438 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:120.75pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:42pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:42pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:32.25pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss2347\"><div><div class=\"ps3317 ss2346\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22286 ss2017\"><div><div class=\"ps3317 ss629\"><span class=\"f charStyle-8d4b9b37 ps10316\">Demand<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22287 ss2017\"><div><div class=\"ps3320 ss629\"><span class=\"f charStyle-8d4b9b37 ps14708\">Up to one<span class=\"f ps2\"> </span></span></div><div class=\"ps3317 ss629\"><span class=\"f charStyle-8d4b9b37 ps12137\"> month<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22288 ss2017\"><div><div class=\"ps3319 ss629\"><span class=\"f charStyle-8d4b9b37 ps9441\">One to<span class=\"f ps2\"> </span></span></div><div class=\"ps3320 ss629\"><span class=\"f charStyle-8d4b9b37 ps15598\"> three<span class=\"f ps2\"> </span></span></div><div class=\"ps3317 ss629\"><span class=\"f charStyle-8d4b9b37 ps8585\"> months<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12364 ss2017\"><div><div class=\"ps3320 ss629\"><span class=\"f charStyle-8d4b9b37 ps2337\">Three to six<span class=\"f ps2\"> </span></span></div><div class=\"ps3317 ss629\"><span class=\"f charStyle-8d4b9b37 ps8585\"> months<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps4545 ss2017\"><div><div class=\"ps3319 ss629\"><span class=\"f charStyle-8d4b9b37 ps22289\">Six<span class=\"f ps2\"> </span></span></div><div class=\"ps3320 ss629\"><span class=\"f charStyle-8d4b9b37 ps7305\"> months to<span class=\"f ps2\"> </span></span></div><div class=\"ps3317 ss629\"><span class=\"f charStyle-8d4b9b37 ps22290\"> one year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16938 ss2017\"><div><div class=\"ps3319 ss629\"><span class=\"f charStyle-8d4b9b37 ps22291\">One<span class=\"f ps2\"> </span></span></div><div class=\"ps3320 ss629\"><span class=\"f charStyle-8d4b9b37 ps11806\"> to five<span class=\"f ps2\"> </span></span></div><div class=\"ps3317 ss629\"><span class=\"f charStyle-8d4b9b37 ps3441\"> years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22292 ss522\"><div><div class=\"ps3317 ss281\"><span class=\"f charStyle-8d4b9b37 ps14472\">&gt;Five years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22293 ss522\"><div><div class=\"ps3317 ss281\"><span class=\"f charStyle-a26246ce ps20658\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:23.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps362 ss2348\"><div><div class=\"ps997 ss2346\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cash and short-term funds \u2013 <span class=\"f ps2\"> </span></span></div><div class=\"ps2366 ss2346\"><span class=\"f charStyle-2b0f4fe0 ps7\">banks</span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps22294 ss2019\"><div><div class=\"ps2366 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.74pt\"></span></span><span class=\"ps16098\">3\u00a0961<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps22295 ss2019\"><div><div class=\"ps2366 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31pt\"></span></span><span class=\"ps21840\">14<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps22296 ss2019\"><div><div class=\"ps2366 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps22297 ss2019\"><div><div class=\"ps2366 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps22298 ss2019\"><div><div class=\"ps2366 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps22299 ss2019\"><div><div class=\"ps2366 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps22300 ss2349\"><div><div class=\"ps2366 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22301 ss2349\"><div><div class=\"ps2366 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.97pt\"></span></span><span class=\"ps12519\">3\u00a0975<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps6177 ss2350\"><div><div class=\"ps815 ss2346\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment/trading assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22302 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.29pt\"></span></span><span class=\"ps13227\">609<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22303 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.96pt\"></span></span><span class=\"ps6947\">1\u00a0014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22304 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.23pt\"></span></span><span class=\"ps10230\">1\u00a0796<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22305 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.69pt\"></span></span><span class=\"ps9415\">1\u00a0775<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22306 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.88pt\"></span></span><span class=\"ps16105\">377<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22307 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.19pt\"></span></span><span class=\"ps21207\">1\u00a0105<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22308 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.87pt\"></span></span><span class=\"ps16393\">2\u00a0154<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22310 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.46pt\"></span></span><span class=\"ps22309\">8\u00a0830<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8036 ss2350\"><div><div class=\"ps815 ss2346\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securitised assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22311 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22312 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22313 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22314 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22315 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22316 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22317 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22318 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3325 ss2350\"><div><div class=\"ps815 ss2346\"><span class=\"f charStyle-2b0f4fe0 ps7\">Advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22319 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.41pt\"></span></span><span class=\"ps12687\">163<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22320 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.29pt\"></span></span><span class=\"ps13227\">563<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22321 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.63pt\"></span></span><span class=\"ps11160\">780<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22322 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.22pt\"></span></span><span class=\"ps13615\">1\u00a0195<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22324 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.86pt\"></span></span><span class=\"ps22323\">2\u00a0367<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22325 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.59pt\"></span></span><span class=\"ps11823\">9\u00a0020<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22326 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.33pt\"></span></span><span class=\"ps16028\">3\u00a0830<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22327 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.88pt\"></span></span><span class=\"ps12731\">17\u00a0918<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9440 ss2350\"><div><div class=\"ps815 ss2346\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other assets excluded above<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22328 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.89pt\"></span></span><span class=\"ps1616\">29<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22329 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.2pt\"></span></span><span class=\"ps10492\">694<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22330 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.75pt\"></span></span><span class=\"ps13338\">39<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22331 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.47pt\"></span></span><span class=\"ps9900\">17<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22332 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.86pt\"></span></span><span class=\"ps11916\">90<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22333 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.17pt\"></span></span><span class=\"ps14822\">238<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22334 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.87pt\"></span></span><span class=\"ps20223\">170<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22335 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.58pt\"></span></span><span class=\"ps19734\">1\u00a0277<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9447 ss2350\"><div><div class=\"ps815 ss2346\"><span class=\"f charStyle-b7f6e8e5 ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22336 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.62pt\"></span></span><span class=\"ps11096\">4\u00a0762<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22337 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.61pt\"></span></span><span class=\"ps9603\">2\u00a0285<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22338 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.66pt\"></span></span><span class=\"ps10180\">2\u00a0615<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22339 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.75pt\"></span></span><span class=\"ps20022\">2\u00a0987<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22340 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.14pt\"></span></span><span class=\"ps11498\">2\u00a0834<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22341 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.17pt\"></span></span><span class=\"ps18737\">10\u00a0363<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22342 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.3pt\"></span></span><span class=\"ps12729\">6\u00a0154<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps22343 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.69pt\"></span></span><span class=\"ps11639\">32\u00a0000<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9452 ss2350\"><div><div class=\"ps815 ss2346\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deposits \u2013 banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22344 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.3pt\"></span></span><span class=\"ps4233\">(178)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22346 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.15pt\"></span></span><span class=\"ps22345\">(38)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22347 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22348 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22350 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.73pt\"></span></span><span class=\"ps22349\">(3)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps16979 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.6pt\"></span></span><span class=\"ps13608\">(684)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22351 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22352 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.56pt\"></span></span><span class=\"ps16069\">(903)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2516 ss2350\"><div><div class=\"ps815 ss2346\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deposits \u2013 non-banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22353 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.73pt\"></span></span><span class=\"ps14936\">(7\u00a0311)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22354 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.27pt\"></span></span><span class=\"ps4137\">(1\u00a0458)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22355 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.4pt\"></span></span><span class=\"ps18847\">(5\u00a0749)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22356 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.26pt\"></span></span><span class=\"ps13571\">(3\u00a0278)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22357 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.1pt\"></span></span><span class=\"ps14445\">(3\u00a0370)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22358 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.12pt\"></span></span><span class=\"ps15784\">(1\u00a0302)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22359 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22360 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:8.36pt\"></span></span><span class=\"ps18528\">(22\u00a0468)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2517 ss2350\"><div><div class=\"ps815 ss2346\"><span class=\"f charStyle-2b0f4fe0 ps7\">Negotiable paper<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22362 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.1pt\"></span></span><span class=\"ps22361\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22363 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22364 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.73pt\"></span></span><span class=\"ps22349\">(3)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22366 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.75pt\"></span></span><span class=\"ps22365\">(4)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22367 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.27pt\"></span></span><span class=\"ps12613\">(20)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22368 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.25pt\"></span></span><span class=\"ps13508\">(1\u00a0385)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22369 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22370 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.26pt\"></span></span><span class=\"ps10531\">(1\u00a0413)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2522 ss2350\"><div><div class=\"ps815 ss2346\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securitised liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22371 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22372 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22373 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11337 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22374 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22375 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22376 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22377 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2527 ss2350\"><div><div class=\"ps815 ss2346\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment/trading liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22378 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.07pt\"></span></span><span class=\"ps12905\">(278)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22379 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.95pt\"></span></span><span class=\"ps11210\">(565)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22380 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.8pt\"></span></span><span class=\"ps15496\">(373)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps11344 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.18pt\"></span></span><span class=\"ps22381\">(49)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22382 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.82pt\"></span></span><span class=\"ps10400\">(132)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22383 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.76pt\"></span></span><span class=\"ps11481\">(75)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22384 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.16pt\"></span></span><span class=\"ps1674\">(32)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22385 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.25pt\"></span></span><span class=\"ps136\">(1\u00a0504)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2532 ss2350\"><div><div class=\"ps815 ss2346\"><span class=\"f charStyle-2b0f4fe0 ps7\">Subordinated liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22386 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22387 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22388 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22389 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22390 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.38pt\"></span></span><span class=\"ps20479\">(50)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22391 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.67pt\"></span></span><span class=\"ps11144\">(350)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22392 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.72pt\"></span></span><span class=\"ps16894\">(298)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22393 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.72pt\"></span></span><span class=\"ps16894\">(698)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2384 ss2350\"><div><div class=\"ps815 ss2346\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other liabilities excluded above<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22394 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">(16)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22395 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.18pt\"></span></span><span class=\"ps13232\">(857)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22396 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.38pt\"></span></span><span class=\"ps20479\">(50)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22397 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.98pt\"></span></span><span class=\"ps11445\">(5)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22398 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.19pt\"></span></span><span class=\"ps11194\">(147)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22400 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.04pt\"></span></span><span class=\"ps22399\">(105)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22401 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.65pt\"></span></span><span class=\"ps14687\">(97)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22402 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.99pt\"></span></span><span class=\"ps12914\">(1\u00a0277)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps2388 ss2350\"><div><div class=\"ps815 ss2346\"><span class=\"f charStyle-b7f6e8e5 ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22403 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.82pt\"></span></span><span class=\"ps14525\">(7\u00a0784)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22404 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.48pt\"></span></span><span class=\"ps14745\">(2\u00a0918)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22405 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.86pt\"></span></span><span class=\"ps10367\">(6\u00a0175)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22406 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14pt\"></span></span><span class=\"ps21100\">(3\u00a0336)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22407 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.93pt\"></span></span><span class=\"ps10152\">(3\u00a0722)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22408 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.05pt\"></span></span><span class=\"ps3965\">(3\u00a0901)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22410 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.24pt\"></span></span><span class=\"ps22409\">(427)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps22412 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:6.49pt\"></span></span><span class=\"ps22411\">(28\u00a0263)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps8644 ss2350\"><div><div class=\"ps815 ss2346\"><span class=\"f charStyle-2b0f4fe0 ps7\">Total equity<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22413 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22414 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22415 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22416 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22417 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22418 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22420 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.48pt\"></span></span><span class=\"ps22419\">(3\u00a0737)</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22421 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.48pt\"></span></span><span class=\"ps22419\">(3\u00a0737)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps8645 ss2350\"><div><div class=\"ps815 ss2346\"><span class=\"f charStyle-b7f6e8e5 ps7\">Contractual liquidity gap<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22422 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.23pt\"></span></span><span class=\"ps139\">(3\u00a0022)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22423 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.67pt\"></span></span><span class=\"ps605\">(633)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22425 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.89pt\"></span></span><span class=\"ps22424\">(3\u00a0560)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22426 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.53pt\"></span></span><span class=\"ps21741\">(349)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22427 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.65pt\"></span></span><span class=\"ps20597\">(888)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22428 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.13pt\"></span></span><span class=\"ps13545\">6\u00a0462<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22429 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.1pt\"></span></span><span class=\"ps15059\">1\u00a0990<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps22430 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.06pt\"></span></span><span class=\"ps11782\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps8651 ss2350\"><div><div class=\"ps815 ss2346\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cumulative liquidity gap<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22431 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.89pt\"></span></span><span class=\"ps10327\">(3\u00a0022)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22432 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.14pt\"></span></span><span class=\"ps4921\">(3\u00a0655)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22433 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.75pt\"></span></span><span class=\"ps20022\">(7\u00a0215)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22434 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.4pt\"></span></span><span class=\"ps18847\">(7\u00a0564)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22435 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.04pt\"></span></span><span class=\"ps5464\">(8\u00a0452)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22436 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.26pt\"></span></span><span class=\"ps13506\">(1\u00a0990)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22437 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps22439 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-ae98c9a5 ps23\">Behavioural liquidity at </span><span class=\"f charStyle-ae98c9a5 ps256\">31 March 2026<span class=\"f ps2\"> </span></span></div><div class=\"ps22457 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:120.75pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:42pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:42pt\"></td><td style=\"padding:0;width:3pt\"></td></tr><tr style=\"height:27.75pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss2351\"><div><div class=\"ps983 ss2346\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22286 ss2001\"><div><div class=\"ps983 ss629\"><span class=\"f charStyle-8d4b9b37 ps10316\">Demand<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22287 ss2001\"><div><div class=\"ps985 ss629\"><span class=\"f charStyle-8d4b9b37 ps14708\">Up to one<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss629\"><span class=\"f charStyle-8d4b9b37 ps12137\"> month<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22288 ss2001\"><div><div class=\"ps989 ss629\"><span class=\"f charStyle-8d4b9b37 ps9441\">One to<span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss629\"><span class=\"f charStyle-8d4b9b37 ps15598\"> three<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss629\"><span class=\"f charStyle-8d4b9b37 ps8585\"> months<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12364 ss2001\"><div><div class=\"ps985 ss629\"><span class=\"f charStyle-8d4b9b37 ps2337\">Three to six<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss629\"><span class=\"f charStyle-8d4b9b37 ps8585\"> months<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps4545 ss2001\"><div><div class=\"ps989 ss629\"><span class=\"f charStyle-8d4b9b37 ps22289\">Six<span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss629\"><span class=\"f charStyle-8d4b9b37 ps22440\">months to<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss629\"><span class=\"f charStyle-8d4b9b37 ps22290\"> one year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps16938 ss2001\"><div><div class=\"ps989 ss629\"><span class=\"f charStyle-8d4b9b37 ps22291\">One<span class=\"f ps2\"> </span></span></div><div class=\"ps985 ss629\"><span class=\"f charStyle-8d4b9b37 ps605\">to five<span class=\"f ps2\"> </span></span></div><div class=\"ps983 ss629\"><span class=\"f charStyle-8d4b9b37 ps13232\">years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22292 ss2314\"><div><div class=\"ps983 ss281\"><span class=\"f charStyle-8d4b9b37 ps14472\">&gt;Five years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22293 ss2314\"><div><div class=\"ps983 ss281\"><span class=\"f charStyle-a26246ce ps20658\">Total<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps998 ss2352\"><div><div class=\"ps997 ss2346\"><span class=\"f charStyle-b7f6e8e5 ps7\">Behavioural liquidity gap<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22441 ss630\"><div><div class=\"ps997 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.92pt\"></span></span><span class=\"ps14429\">4\u00a0393<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22442 ss630\"><div><div class=\"ps997 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.25pt\"></span></span><span class=\"ps13508\">(1\u00a0172)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22443 ss630\"><div><div class=\"ps997 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.32pt\"></span></span><span class=\"ps19747\">(4\u00a0574)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22444 ss630\"><div><div class=\"ps997 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.23pt\"></span></span><span class=\"ps16438\">(1\u00a0767)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22445 ss630\"><div><div class=\"ps997 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.28pt\"></span></span><span class=\"ps4299\">(1\u00a0032)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22446 ss630\"><div><div class=\"ps997 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.39pt\"></span></span><span class=\"ps14692\">2\u00a0358<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22447 ss2253\"><div><div class=\"ps997 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.67pt\"></span></span><span class=\"ps10423\">1\u00a0794<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#a9bbc3;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22448 ss2253\"><div><div class=\"ps997 ss281\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.06pt\"></span></span><span class=\"ps11782\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps1002 ss2350\"><div><div class=\"ps815 ss2346\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cumulative<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22450 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.25pt\"></span></span><span class=\"ps22449\">4\u00a0393<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22451 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.74pt\"></span></span><span class=\"ps16098\">3\u00a0221<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22452 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.12pt\"></span></span><span class=\"ps15784\">(1\u00a0353)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22453 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.12pt\"></span></span><span class=\"ps15784\">(3\u00a0120)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22454 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.28pt\"></span></span><span class=\"ps13559\">(4\u00a0152)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22455 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.52pt\"></span></span><span class=\"ps14223\">(1\u00a0794)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22456 ss2246\"><div><div class=\"ps815 ss281\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div></div><div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-ae98c9a5 ps23\">Contractual liquidity at </span><span class=\"f charStyle-ae98c9a5 ps22284\">31 March 2025</span></div><div class=\"ps22607 ss8\"><div class=\"ss47 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:121.5pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td></tr><tr style=\"height:21pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss2354\"><div><div class=\"ps4787 ss2353\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22459 ss1505\"><div><div class=\"ps4787 ss629\"><span class=\"f charStyle-6f1c08a8 ps10316\">Demand<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19048 ss1505\"><div><div class=\"ps22460 ss629\"><span class=\"f charStyle-8d4b9b37 ps14708\">Up to one <span class=\"f ps2\"> </span></span></div><div class=\"ps4787 ss629\"><span class=\"f charStyle-8d4b9b37 ps9601\">month<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps6696 ss1505\"><div><div class=\"ps22460 ss629\"><span class=\"f charStyle-8d4b9b37 ps22461\">One to three<span class=\"f ps2\"> </span></span></div><div class=\"ps4787 ss629\"><span class=\"f charStyle-8d4b9b37 ps22462\">months<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22463 ss1505\"><div><div class=\"ps22460 ss629\"><span class=\"f charStyle-6f1c08a8 ps19234\">Three to<span class=\"f ps2\"> </span></span></div><div class=\"ps4787 ss629\"><span class=\"f charStyle-6f1c08a8 ps21785\">six months<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps810 ss1505\"><div><div class=\"ps22460 ss629\"><span class=\"f charStyle-6f1c08a8 ps21008\">Six months <span class=\"f ps2\"> </span></span></div><div class=\"ps4787 ss629\"><span class=\"f charStyle-6f1c08a8 ps14329\">to one year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3716 ss1505\"><div><div class=\"ps22460 ss629\"><span class=\"f charStyle-6f1c08a8 ps18689\">One to five<span class=\"f ps2\"> </span></span></div><div class=\"ps4787 ss629\"><span class=\"f charStyle-6f1c08a8 ps13232\">years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps426 ss1505\"><div><div class=\"ps22460 ss629\"><span class=\"f charStyle-6f1c08a8 ps12973\">&gt; Five<span class=\"f ps2\"> </span></span></div><div class=\"ps4787 ss629\"><span class=\"f charStyle-6f1c08a8 ps13232\">years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps100 ss1505\"><div><div class=\"ps4787 ss629\"><span class=\"f charStyle-ef17fa27 ps986\">Total<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps471 ss2354\"><div><div class=\"ps815 ss2353\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cash and short-term funds \u2013 <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss2353\"><span class=\"f charStyle-2b0f4fe0 ps7\">banks</span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps22464 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.59pt\"></span></span><span class=\"ps11823\">5\u00a0032<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps22465 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.86pt\"></span></span><span class=\"ps11916\">20<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps22466 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps22467 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps4790 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps22468 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps22469 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22470 ss1505\"><div><div class=\"ps469 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.84pt\"></span></span><span class=\"ps9494\">5\u00a0052<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1002 ss2355\"><div><div class=\"ps815 ss2353\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment/trading assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22471 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.55pt\"></span></span><span class=\"ps21118\">476<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22472 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.18pt\"></span></span><span class=\"ps11273\">923<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22473 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.34pt\"></span></span><span class=\"ps12186\">1\u00a0161<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22474 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.97pt\"></span></span><span class=\"ps13019\">1\u00a0213<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22475 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.31pt\"></span></span><span class=\"ps11167\">289<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22476 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.55pt\"></span></span><span class=\"ps21118\">947<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22478 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:21.09pt\"></span></span><span class=\"ps22477\">1\u00a0881<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22479 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.61pt\"></span></span><span class=\"ps15456\">6\u00a0890<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1006 ss2355\"><div><div class=\"ps815 ss2353\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securitised assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22480 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22481 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22482 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22483 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22484 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22485 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22486 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22487 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1010 ss2355\"><div><div class=\"ps815 ss2353\"><span class=\"f charStyle-2b0f4fe0 ps7\">Advances<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22488 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.41pt\"></span></span><span class=\"ps12687\">193<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22489 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.18pt\"></span></span><span class=\"ps11273\">623<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22490 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.4pt\"></span></span><span class=\"ps9248\">650<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22491 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.88pt\"></span></span><span class=\"ps16895\">1\u00a0296<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22492 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.73pt\"></span></span><span class=\"ps15793\">1\u00a0938<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22493 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.84pt\"></span></span><span class=\"ps8441\">8\u00a0901<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22494 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.48pt\"></span></span><span class=\"ps8373\">3\u00a0352<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22495 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.28pt\"></span></span><span class=\"ps4299\">16\u00a0953<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1014 ss2355\"><div><div class=\"ps815 ss2353\"><span class=\"f charStyle-9458d4de ps7\">Other assets excluded above</span><span class=\"f charStyle-70e7a25b ps22496\"><sup>^</sup></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22497 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.34pt\"></span></span><span class=\"ps21048\">4<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22498 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.41pt\"></span></span><span class=\"ps11873\">347<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22499 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:30.1pt\"></span></span><span class=\"ps13361\">37<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22500 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.88pt\"></span></span><span class=\"ps21050\">45<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps4804 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.63pt\"></span></span><span class=\"ps12289\">150<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22502 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.32pt\"></span></span><span class=\"ps22501\">266<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22504 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:29.85pt\"></span></span><span class=\"ps22503\">80<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22505 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.32pt\"></span></span><span class=\"ps22501\">929<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps1018 ss2355\"><div><div class=\"ps815 ss2353\"><span class=\"f charStyle-b7f6e8e5 ps7\">Assets<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22506 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.55pt\"></span></span><span class=\"ps9694\">5\u00a0705<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22507 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.6pt\"></span></span><span class=\"ps16074\">1\u00a0913<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22508 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.18pt\"></span></span><span class=\"ps15613\">1\u00a0848<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22509 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.37pt\"></span></span><span class=\"ps15183\">2\u00a0554<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22510 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.25pt\"></span></span><span class=\"ps22449\">2\u00a0377<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22511 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.58pt\"></span></span><span class=\"ps19360\">10\u00a0114<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22512 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.45pt\"></span></span><span class=\"ps16513\">5\u00a0313<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps22513 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.41pt\"></span></span><span class=\"ps9198\">29\u00a0824<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps1022 ss2355\"><div><div class=\"ps815 ss2353\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deposits \u2013 banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22514 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.95pt\"></span></span><span class=\"ps20398\">(189)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22515 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22516 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22517 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22519 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.16pt\"></span></span><span class=\"ps22518\">(705)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22520 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.71pt\"></span></span><span class=\"ps8367\">(584)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22521 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22523 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.51pt\"></span></span><span class=\"ps22522\">(1\u00a0478)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps12075 ss2355\"><div><div class=\"ps815 ss2353\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deposits \u2013 non-banks<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22525 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.64pt\"></span></span><span class=\"ps22524\">(7\u00a0192)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22526 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17pt\"></span></span><span class=\"ps11094\">(1\u00a0340)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22527 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.52pt\"></span></span><span class=\"ps15212\">(5\u00a0976)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22528 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.8pt\"></span></span><span class=\"ps13254\">(3\u00a0492)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22529 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.77pt\"></span></span><span class=\"ps14735\">(2\u00a0304)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22530 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.39pt\"></span></span><span class=\"ps12965\">(1\u00a0148)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22531 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.75pt\"></span></span><span class=\"ps22365\">(4)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22532 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:12.71pt\"></span></span><span class=\"ps6586\">(21\u00a0456)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps341 ss2355\"><div><div class=\"ps815 ss2353\"><span class=\"f charStyle-2b0f4fe0 ps7\">Negotiable paper<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22533 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.87pt\"></span></span><span class=\"ps22043\">(2)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22534 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.1pt\"></span></span><span class=\"ps22361\">(1)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps6756 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.39pt\"></span></span><span class=\"ps4226\">(13)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22535 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.88pt\"></span></span><span class=\"ps8418\">(17)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22536 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.17pt\"></span></span><span class=\"ps17520\">(84)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22537 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.62pt\"></span></span><span class=\"ps11401\">(1\u00a0185)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22538 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22539 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.12pt\"></span></span><span class=\"ps15784\">(1\u00a0302)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11712 ss2355\"><div><div class=\"ps815 ss2353\"><span class=\"f charStyle-2b0f4fe0 ps7\">Securitised liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22540 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22541 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22542 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22543 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22544 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22545 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22546 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22547 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps49 ss2355\"><div><div class=\"ps815 ss2353\"><span class=\"f charStyle-2b0f4fe0 ps7\">Investment/trading liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22548 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.29pt\"></span></span><span class=\"ps10294\">(98)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22549 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.07pt\"></span></span><span class=\"ps12147\">(125)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22550 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.04pt\"></span></span><span class=\"ps11951\">(43)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22551 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.3pt\"></span></span><span class=\"ps22291\">(26)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22552 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.27pt\"></span></span><span class=\"ps12613\">(53)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22553 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.28pt\"></span></span><span class=\"ps8457\">(88)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22554 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.16pt\"></span></span><span class=\"ps15602\">(36)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22555 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.61pt\"></span></span><span class=\"ps20415\">(469)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11737 ss2355\"><div><div class=\"ps815 ss2353\"><span class=\"f charStyle-2b0f4fe0 ps7\">Subordinated liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22556 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22557 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22558 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22559 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22560 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.41pt\"></span></span><span class=\"ps22062\">(41)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22561 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.84pt\"></span></span><span class=\"ps11148\">(641)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22562 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22563 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.72pt\"></span></span><span class=\"ps11755\">(682)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3338 ss2355\"><div><div class=\"ps815 ss2353\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other liabilities excluded above<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22564 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.49pt\"></span></span><span class=\"ps11222\">(244)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22565 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:25.19pt\"></span></span><span class=\"ps7426\">(161)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22566 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.3pt\"></span></span><span class=\"ps4233\">(178)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22567 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:27.76pt\"></span></span><span class=\"ps11481\">(57)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22568 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.72pt\"></span></span><span class=\"ps14106\">(144)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22569 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.7pt\"></span></span><span class=\"ps10490\">(143)</span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22570 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:28.53pt\"></span></span><span class=\"ps20662\">(21)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22571 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:22.6pt\"></span></span><span class=\"ps13608\">(948)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13372 ss2355\"><div><div class=\"ps815 ss2353\"><span class=\"f charStyle-b7f6e8e5 ps7\">Liabilities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22572 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.3pt\"></span></span><span class=\"ps12729\">(7\u00a0725)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22573 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.97pt\"></span></span><span class=\"ps12519\">(1\u00a0627)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22574 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.27pt\"></span></span><span class=\"ps13179\">(6\u00a0210)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22575 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.33pt\"></span></span><span class=\"ps128\">(3\u00a0592)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22576 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.28pt\"></span></span><span class=\"ps4299\">(3\u00a0331)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22577 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.47pt\"></span></span><span class=\"ps17225\">(3\u00a0789)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22578 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:26.88pt\"></span></span><span class=\"ps14988\">(61)</span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps22580 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:9.39pt\"></span></span><span class=\"ps22579\">(26\u00a0335)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps13378 ss2355\"><div><div class=\"ps815 ss2353\"><span class=\"f charStyle-2b0f4fe0 ps7\">Total equity<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22581 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22582 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22583 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22584 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22585 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22586 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps22588 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.79pt\"></span></span><span class=\"ps22587\">(3\u00a0489)</span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps22589 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.79pt\"></span></span><span class=\"ps22587\">(3\u00a0489)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps13383 ss2355\"><div><div class=\"ps815 ss2353\"><span class=\"f charStyle-b7f6e8e5 ps7\">Contractual liquidity gap<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22590 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.01pt\"></span></span><span class=\"ps19234\">(2\u00a0020)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22591 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:23.94pt\"></span></span><span class=\"ps10215\">286<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22592 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.08pt\"></span></span><span class=\"ps16931\">(4\u00a0362)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22593 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.05pt\"></span></span><span class=\"ps3965\">(1\u00a0038)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22594 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.64pt\"></span></span><span class=\"ps19363\">(954)</span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22595 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.39pt\"></span></span><span class=\"ps14692\">6\u00a0325<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps22596 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.81pt\"></span></span><span class=\"ps1618\">1\u00a0763<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps22597 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.06pt\"></span></span><span class=\"ps9314\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22598 ss2355\"><div><div class=\"ps815 ss2353\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cumulative liquidity gap<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22599 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16pt\"></span></span><span class=\"ps339\">(2\u00a0020)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22600 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.38pt\"></span></span><span class=\"ps21134\">(1\u00a0734)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22602 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16.03pt\"></span></span><span class=\"ps22601\">(6\u00a0096)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22603 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.38pt\"></span></span><span class=\"ps21134\">(7\u00a0134)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22604 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:16pt\"></span></span><span class=\"ps339\">(8\u00a0088)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22605 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.5pt\"></span></span><span class=\"ps14955\">(1\u00a0763)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22606 ss1511\"><div><div class=\"ps815 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps22608 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">\u2018Other assets excluded above\u2019 have been restated to include \u00a355 million of Goodwill within the \u2018&gt; five years\u2019 contractual maturity category, which was previously </span></span></div><div class=\"ps22609 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">reported within \u2018Demand\u2019.</span></div><div class=\"ps22611 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-ae98c9a5 ps23\">Behavioural liquidity at </span><span class=\"f charStyle-ae98c9a5 ps256\">31 March 2025</span></div><div class=\"ps22619 ss8\"><div class=\"ss47 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:121.5pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:45pt\"></td></tr><tr style=\"height:21pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss2354\"><div><div class=\"ps4787 ss2353\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22459 ss1505\"><div><div class=\"ps4787 ss629\"><span class=\"f charStyle-6f1c08a8 ps10316\">Demand<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19048 ss1505\"><div><div class=\"ps22460 ss629\"><span class=\"f charStyle-8d4b9b37 ps14708\">Up to one<span class=\"f ps2\"> </span></span></div><div class=\"ps4787 ss629\"><span class=\"f charStyle-8d4b9b37 ps9601\">month<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps6696 ss1505\"><div><div class=\"ps22460 ss629\"><span class=\"f charStyle-6f1c08a8 ps22461\">One to three<span class=\"f ps2\"> </span></span></div><div class=\"ps4787 ss629\"><span class=\"f charStyle-6f1c08a8 ps22462\">months<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22463 ss1505\"><div><div class=\"ps22460 ss629\"><span class=\"f charStyle-6f1c08a8 ps19234\">Three to<span class=\"f ps2\"> </span></span></div><div class=\"ps4787 ss629\"><span class=\"f charStyle-6f1c08a8 ps21785\">six months<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps810 ss1505\"><div><div class=\"ps22460 ss629\"><span class=\"f charStyle-6f1c08a8 ps21008\">Six months<span class=\"f ps2\"> </span></span></div><div class=\"ps4787 ss629\"><span class=\"f charStyle-6f1c08a8 ps14329\">to one year<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps3716 ss1505\"><div><div class=\"ps22460 ss629\"><span class=\"f charStyle-6f1c08a8 ps18689\">One to five<span class=\"f ps2\"> </span></span></div><div class=\"ps4787 ss629\"><span class=\"f charStyle-6f1c08a8 ps13232\">years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps426 ss1505\"><div><div class=\"ps22460 ss629\"><span class=\"f charStyle-6f1c08a8 ps12973\">&gt; Five<span class=\"f ps2\"> </span></span></div><div class=\"ps4787 ss629\"><span class=\"f charStyle-6f1c08a8 ps13232\">years<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps100 ss1505\"><div><div class=\"ps4787 ss629\"><span class=\"f charStyle-ef17fa27 ps986\">Total<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps471 ss2355\"><div><div class=\"ps4184 ss2353\"><span class=\"f charStyle-b7f6e8e5 ps7\">Behavioural liquidity gap<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22464 ss1511\"><div><div class=\"ps4184 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.15pt\"></span></span><span class=\"ps13777\">5\u00a0271<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22465 ss1511\"><div><div class=\"ps4184 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.67pt\"></span></span><span class=\"ps605\">(209)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22466 ss1511\"><div><div class=\"ps4184 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:14.22pt\"></span></span><span class=\"ps21882\">(5\u00a0583)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22467 ss1511\"><div><div class=\"ps4184 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:13.78pt\"></span></span><span class=\"ps22612\">(2\u00a0060)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps4790 ss1511\"><div><div class=\"ps4184 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:15.05pt\"></span></span><span class=\"ps3965\">(1\u00a0038)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22468 ss1511\"><div><div class=\"ps4184 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.41pt\"></span></span><span class=\"ps14967\">1\u00a0942<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22469 ss1511\"><div><div class=\"ps4184 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:19.29pt\"></span></span><span class=\"ps15101\">1\u00a0677<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22470 ss1511\"><div><div class=\"ps4184 ss629\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.06pt\"></span></span><span class=\"ps9314\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps1201 ss2355\"><div><div class=\"ps4184 ss2353\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cumulative<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22613 ss1511\"><div><div class=\"ps4184 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:20.34pt\"></span></span><span class=\"ps15467\">5\u00a0271<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22614 ss1511\"><div><div class=\"ps4184 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:18.73pt\"></span></span><span class=\"ps14936\">5\u00a0062<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22615 ss1511\"><div><div class=\"ps4184 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:24.07pt\"></span></span><span class=\"ps12147\">(521)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22616 ss1511\"><div><div class=\"ps4184 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.39pt\"></span></span><span class=\"ps14692\">(2\u00a0581)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps4794 ss1511\"><div><div class=\"ps4184 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.15pt\"></span></span><span class=\"ps15768\">(3\u00a0619)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22617 ss1511\"><div><div class=\"ps4184 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:17.99pt\"></span></span><span class=\"ps13119\">(1\u00a0677)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22618 ss1511\"><div><div class=\"ps4184 ss629\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:31.53pt\"></span></span><span class=\"ps16661\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-05f4b8d8 ps23\">Funding strategy </span></div><div class=\"ps10770 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-ae98c9a5 ps23\">Overview</span></div><div class=\"ps22620 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">We maintain a funding structure of stable customer deposits </span></div><div class=\"ps22621 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and long-term wholesale funding well in excess of funded </span></div><div class=\"ps22622 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">assets. We target a diversified funding base, avoiding undue </span></div><div class=\"ps22623 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">concentrations by investor type, maturity, market source, </span></div><div class=\"ps381 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">instrument and currency.</span></div><div class=\"ps22624 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps23\">We acknowledge the importance of our retail deposit client base </span></div><div class=\"ps22625 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps23\">as the principal source of stable and granular funding. We </span></div><div class=\"ps22626 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps23\">continue to develop products to attract and service the </span></div><div class=\"ps22627 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-c8d875d6 ps23\">investment needs of our client base in line with our risk appetite. </span></div><div class=\"ps22629 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Entities within the Group actively participate </span><span class=\"f charStyle-33e1c6d6 ps22628\">in global financial <span class=\"f ps2\"> </span></span></div><div class=\"ps22630 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">markets and our relationships are continuously enhanced <span class=\"f ps2\"> </span></span></div><div class=\"ps22631 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">through regular investor engagements. Entities are only allowed <span class=\"f ps2\"> </span></span></div><div class=\"ps22633 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">to have funding exposure to <span class=\"f ps2\"> </span></span><span class=\"f charStyle-4ff3ac39 ps22632\">wholesale markets where they can <span class=\"f ps2\"> </span></span></div><div class=\"ps22635 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-4ff3ac39 ps23\">demonstrate that the market is sufficiently <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps22634\">deep and liquid, and <span class=\"f ps2\"> </span></span></div><div class=\"ps22636 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">then only relative to the size and complexity of their business <span class=\"f ps2\"> </span></span></div><div class=\"ps22637 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">as part of a diversified funding mix.<span class=\"f ps2\"> </span></span></div><div class=\"ps22638 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group\u2019s <span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps18193\">ability to access funding at cost-effective levels is </span></div><div class=\"ps22639 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">influenced by maintaining or improving the entity\u2019s credit rating. </span></div><div class=\"ps22640 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">A reduction in credit ratings could have an adverse effect on </span></div><div class=\"ps22641 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the Group\u2019s funding costs, and on access to wholesale term </span></div><div class=\"ps22642 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">funding; however, our diversified funding base places limited </span></div><div class=\"ps22643 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">reliance on wholesale funding and protects our ability to raise </span></div><div class=\"ps22644 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sufficient funding under both business as usual and stressed </span></div><div class=\"ps22645 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">market conditions.</span></div><div class=\"ps22646 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Funding continues to be raised through a mix of customer </span></div><div class=\"ps22647 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">liabilities diversified by customer type, currency, channel and </span></div><div class=\"ps22648 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">tenor, avoiding reliance on any particular source and ensuring </span></div><div class=\"ps22649 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">continued access to a wide range of depositors. </span></div><div class=\"ps22650 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Those diversified funding channels have proven to be capable </span></div><div class=\"ps22651 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of raising funding throughout the year to support asset growth </span></div><div class=\"ps22652 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">despite periods of market volatility and increased competition </span></div><div class=\"ps22653 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">for deposits.</span></div><div class=\"ps22654 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">We have limited reliance on wholesale funding but we maintain </span></div><div class=\"ps22655 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">access and presence, using such wholesale issuance to </span></div><div class=\"ps22656 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">strategically diversify our funding base and complement the </span></div><div class=\"ps22657 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">other liability channels by focusing, where appropriate, on tenor </span></div><div class=\"ps22658 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and currency as part of a longer term strategic plan. </span></div><div class=\"ps22659 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Funding consists primarily of customer deposits, with loans and </span></div><div class=\"ps22660 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">advances to customers as a percentage of customer deposits </span></div><div class=\"ps22669 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">at </span><span class=\"f charStyle-33e1c6d6 ps22661\">79.2%<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps22662\"> at </span><span class=\"f charStyle-33e1c6d6 ps22663\">31 March 2026</span><span class=\"f charStyle-33e1c6d6 ps22664\"> (<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps22665\">31 March 2025</span><span class=\"f charStyle-33e1c6d6 ps22666\">: </span><span class=\"f charStyle-33e1c6d6 ps22667\">78.4%</span><span class=\"f charStyle-33e1c6d6 ps22668\">). This </span></div><div class=\"ps22670 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">deposit base is predominantly focused on a highly diversified </span></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">mix of retail customers and a range of products with reliance on </span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">term and notice deposits rather than demand deposits. A new </span></div><div class=\"ps701 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">fixed term ISA product for retail customers was launched in the </span></div><div class=\"ps702 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">year and has since seen strong growth. </span><span class=\"f charStyle-33e1c6d6 ps22671\">Deposits </span><span class=\"f charStyle-48272146 ps22672\">gr</span><span class=\"f charStyle-33e1c6d6 ps22673\">ew by </span><span class=\"f charStyle-33e1c6d6 ps22674\">4.7%</span><span class=\"f charStyle-33e1c6d6 ps22675\"> </span></div><div class=\"ps3313 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">over the year from \u00a3</span><span class=\"f charStyle-33e1c6d6 ps22676\">21.5</span><span class=\"f charStyle-33e1c6d6 ps22677\"> billion to \u00a3</span><span class=\"f charStyle-33e1c6d6 ps22678\">22.5</span><span class=\"f charStyle-33e1c6d6 ps22679\"> billion at </span><span class=\"f charStyle-33e1c6d6 ps22680\">31 March </span></div><div class=\"ps6370 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">2026</span><span class=\"f charStyle-33e1c6d6 ps22681\">. Deposit granularity is a key area of focus and Investec </span></div><div class=\"ps80 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">plc has a substantial portion of eligible deposits that are </span></div><div class=\"ps707 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">covered by FSCS protection. The FSCS is a UK government-</span></div><div class=\"ps710 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">backed scheme designed to provide protection to eligible </span></div><div class=\"ps712 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">customers, to the maximum value of \u00a3120 000, in the event </span></div><div class=\"ps3315 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">that a financial institution is unable to meet its financial </span></div><div class=\"ps3316 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">obligations.</span></div><div class=\"ps6027 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">As at 31 March 2026, the preferred resolution strategy for </span></div><div class=\"ps6028 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Investec in the UK is bail-in with a single point of entry at </span></div><div class=\"ps6029 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Investec plc. The current external requirement is equal to </span></div><div class=\"ps6374 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Investec plc\u2019s minimum capital requirements. IBP, as a material </span></div><div class=\"ps7988 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">subsidiary, has an internal MREL requirement which is also </span></div><div class=\"ps7990 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">currently equal to its minimum capital requirements.</span></div><div class=\"ps6377 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">The MREL transition commenced on 1 January 2026 in a </span></div><div class=\"ps6378 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">phased manner with end-state MREL being applied from 1 </span></div><div class=\"ps6379 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">January 2032. Wholesale issuance during the year in review </span></div><div class=\"ps7995 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">took advantage of market windows to focus on refinancing </span></div><div class=\"ps7996 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">upcoming calls to lengthen term, with the added benefit of </span></div><div class=\"ps7997 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">continuing to diversify the debt capital markets investor base </span></div><div class=\"ps5126 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">and support the MREL transition. Any additional MREL </span></div><div class=\"ps8259 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">requirements will be met over time as part of increasing </span></div><div class=\"ps8260 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">wholesale market issuance from the existing established base </span></div><div class=\"ps8261 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">and we will continue to evaluate issuance opportunities in the </span></div><div class=\"ps6385 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">near term as part of this glide path.</span></div><div class=\"ps8223 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">The UK Bank repaid \u00a30.7 billion of drawings under the BoE </span></div><div class=\"ps8224 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Term Funding Scheme with additional incentives for Small and </span></div><div class=\"ps8225 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Medium Enterprises (TFSME) during the year. As at 31 March </span></div><div class=\"ps8007 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">2026, the UK Bank had minimal remaining drawings </span></div><div class=\"ps8010 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">outstanding.</span></div><div class=\"ps18325 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Looking forward, the focus remains on maintaining a strong </span></div><div class=\"ps8013 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">liquidity position while supporting planned asset growth. </span></div><div class=\"ps8014 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Funding continues to be actively raised, across a diverse </span></div><div class=\"ps18326 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">funding base, in line with a medium- to long-term strategy to </span></div><div class=\"ps8262 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">reduce the overall tenor-adjusted cost of the liability base, </span></div><div class=\"ps8278 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">supported by both Investec plc and Investec Bank plc\u2019s stable </span></div><div class=\"ps8279 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">credit ratings.</span></div><div class=\"ps22685 ss8\"><div class=\"ss1238 ws0 ps356\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:21pt\"></td><td style=\"padding:0;width:207pt\"></td></tr><tr style=\"height:21pt\"><td style=\"padding:0\"><div class=\"ps19 ss589\"><div><div class=\"ps28 ss588\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Page_references.svg\" id=\"i-221\" src=\"data:image/svg+xml;base64,CjxzdmcgeG1sbnM9Imh0dHA6Ly93d3cudzMub3JnLzIwMDAvc3ZnIj4gCgk8aW1hZ2UgcHJlc2VydmVBc3BlY3RSYXRpbz0ibm9uZSIgd2lkdGg9IjEwMCUiIGhlaWdodD0iMTAwJSIgaHJlZj0iZGF0YTppbWFnZS9zdmcreG1sO2Jhc2U2NCxQRDk0Yld3Z2RtVnljMmx2YmowaU1TNHdJaUJsYm1OdlpHbHVaejBpVlZSR0xUZ2lQejQ4YzNabklHbGtQU0pNWVhsbGNsOHlJaUI0Yld4dWN6MGlhSFIwY0RvdkwzZDNkeTUzTXk1dmNtY3ZNakF3TUM5emRtY2lJSFpwWlhkQ2IzZzlJakFnTUNBeU1DNDROaUF5TUM0NE5pSStQR1JsWm5NK1BITjBlV3hsUGk1amJITXRNWHR6ZEhKdmEyVXRiR2x1WldwdmFXNDZjbTkxYm1RN2ZTNWpiSE10TVN3dVkyeHpMVElzTG1Oc2N5MHplMlpwYkd3NmJtOXVaVHR6ZEhKdmEyVTZJekl6TVdZeU1EdHpkSEp2YTJVdGQybGtkR2c2TGpjMWNIZzdmUzVqYkhNdE1Td3VZMnh6TFRON2MzUnliMnRsTFd4cGJtVmpZWEE2Y205MWJtUTdmUzVqYkhNdE1pd3VZMnh6TFRON2MzUnliMnRsTFcxcGRHVnliR2x0YVhRNk1UQTdmVHd2YzNSNWJHVStQQzlrWldaelBqeG5JR2xrUFNKTVlYbGxjbDh4TFRJaVBqeGphWEpqYkdVZ1kyeGhjM005SW1Oc2N5MHlJaUJqZUQwaU1UQXVORE1pSUdONVBTSXhNQzQwTXlJZ2NqMGlNVEF1TURZaUx6NDhjRzlzZVd4cGJtVWdZMnhoYzNNOUltTnNjeTB4SWlCd2IybHVkSE05SWpFeExqVWdOeTR3TlNBeE5DNDROU0F4TUM0MElERXhMalVnTVRNdU56a2lMejQ4YkdsdVpTQmpiR0Z6Y3owaVkyeHpMVE1pSUhneFBTSTFMamc1SWlCNU1UMGlNVEF1TkNJZ2VESTlJakUwTGpnMUlpQjVNajBpTVRBdU5DSXZQand2Wno0OEwzTjJaejQ9Ij48L2ltYWdlPgo8L3N2Zz4K\" style=\"height:15.59pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps2752 ss2356\"><div><div class=\"ps22684 ss1974\"><span class=\"f charStyle-9458d4de ps7\">Refer to page </span><span class=\"f charStyle-2b0f4fe0 ps22682\"><a class=\"Hyperlink\" href=\"#iccba24ea0cd14a1fbe74568356c33a8e_115\" style=\"z-index:1\">25</a><span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps22683\"> for further detail on credit ratings.<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22687 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Cash and near cash trend</span></div><div class=\"ps22688 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-9458d4de ps23\">\u00a3\u2019million</span></div><div class=\"ps22689 ss8\"><div class=\"ps14\"><div class=\"ps19\"><img alt=\"2746\" id=\"i-222\" 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\" style=\"height:150pt;width:476.25pt\"/></div></div></div><div class=\"ps22704 ss8\"><div class=\"ss561 ws0 ps22703\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:15.75pt\"></td><td style=\"padding:0;width:134.25pt\"></td><td style=\"padding:0;width:12.75pt\"></td><td style=\"padding:0;width:15.75pt\"></td><td style=\"padding:0;width:134.25pt\"></td><td style=\"padding:0;width:12.75pt\"></td><td style=\"padding:0;width:15.75pt\"></td><td style=\"padding:0;width:134.25pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.25pt solid #b1afa8;padding:0\"><div class=\"ps19 ss2155\"><div><div class=\"ps28 ss1265\"><div class=\"ps5335\"><div class=\"ps19\"><img alt=\"Investec_Pie-chart_Letters-01.svg\" id=\"i-223\" src=\"data:image/svg+xml;base64,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\" style=\"height:9.19pt;width:11.34pt\"/></div></div></div></div></div></td><td rowspan=\"2\" style=\"border-bottom:0.25pt solid #b1afa8;border-top:0.25pt solid #b1afa8;padding:0\"><div class=\"ps6476 ss2359\" style=\"overflow:hidden\"><div><div class=\"ps22699 ss23\"><span class=\"f charStyle-58332424 ps5336\">Central bank cash placements and <span class=\"f ps2\"> </span></span></div><div class=\"ps22700 ss23\"><span class=\"f charStyle-58332424 ps5336\">other HQLA<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #b1afa8;border-top:0.25pt solid #b1afa8;padding:0\"><div class=\"ps21007 ss2155\"><div><div class=\"ps28 ss1265\"><div class=\"ps5335\"><div class=\"ps19\"><img alt=\"Investec_Pie-chart_Letters_B.svg\" id=\"i-224\" src=\"data:image/svg+xml;base64,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\" style=\"height:9.19pt;width:11.34pt\"/></div></div></div></div></div></td><td style=\"border-bottom:0.25pt solid #b1afa8;border-top:0.25pt solid #b1afa8;padding:0\"><div class=\"ps22701 ss2360\" style=\"overflow:hidden\"><div><div class=\"ps1195 ss23\"><span class=\"f charStyle-58332424 ps5336\">Cash<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #b1afa8;border-top:0.25pt solid #b1afa8;padding:0\"><div class=\"ps13835 ss2155\"><div><div class=\"ps28 ss1265\"><div class=\"ps5335\"><div class=\"ps19\"><img alt=\"Investec_Pie-chart_Letters-03.svg\" id=\"i-225\" src=\"data:image/svg+xml;base64,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\" style=\"height:9.19pt;width:11.34pt\"/></div></div></div></div></div></td><td style=\"border-bottom:0.25pt solid #b1afa8;border-top:0.25pt solid #b1afa8;padding:0\"><div class=\"ps22702 ss2360\" style=\"overflow:hidden\"><div><div class=\"ps1195 ss23\"><span class=\"f charStyle-58332424 ps5336\">Near cash<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.25pt solid #b1afa8;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #b1afa8;padding:0\"></td><td style=\"border-top:0.25pt solid #b1afa8;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #b1afa8;padding:0\"></td><td style=\"border-top:0.25pt solid #b1afa8;padding:0\"></td></tr></tbody></table></div></div></div><div><div class=\"ps181 ss8\"><div class=\"ss125 ws0 ps22154\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:234pt\"></td><td style=\"padding:0;width:12pt\"></td><td style=\"padding:0;width:234pt\"></td></tr><tr style=\"height:27pt\"><td style=\"padding:0\"><div class=\"ps19 ss2362\"><div><div class=\"ps29 ss607\"><span class=\"f charStyle-21b4da98 ps7\">An analysis of cash and near cash at </span></div><div class=\"ps22705 ss607\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps7\">31\u00a0March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps3813 ss2362\"><div><div class=\"ps29 ss607\"><span class=\"f charStyle-21b4da98 ps7\">Customer accounts (deposits) by type <span class=\"f ps2\"> </span></span></div><div class=\"ps32 ss607\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps7\">at <span class=\"f ps2\"> </span></span><span class=\"f charStyle-21b4da98 ps22706\">31\u00a0March 2026<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps213 ss2154\"><div><div class=\"ps815 ss607\"><span class=\"f charStyle-2b0f4fe0 ps7\">\u00a39\u00a0379 million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps22707 ss2154\"><div><div class=\"ps815 ss607\" style=\"font-size:12pt\"><span class=\"f charStyle-9458d4de ps7\">\u00a322\u00a0468</span><span class=\"f charStyle-9458d4de ps8542\"> million<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22709 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-4646bb92\"><span class=\"ps3808\"><span style=\"display:inline-block;height:112.5pt;width:15.94pt\"></span></span></span><div class=\"ps14\"><div class=\"ps19\"><img alt=\"2752\" id=\"i-226\" 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\" style=\"height:112.5pt;width:225pt\"/></div></div><div class=\"ps22708\"><div class=\"ps19\"><img alt=\"2754\" id=\"i-227\" 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\" style=\"height:112.5pt;width:225pt\"/></div></div></div><div class=\"ps22718 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:15.75pt\"></td><td style=\"padding:0;width:177pt\"></td><td style=\"padding:0;width:30pt\"></td><td style=\"padding:0;width:35.25pt\"></td><td style=\"padding:0;width:15.75pt\"></td><td style=\"padding:0;width:177pt\"></td><td style=\"padding:0;width:30pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps19 ss2155\"><div><div class=\"ps28 ss1265\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Investec_Pie-chart_Letters-01.svg\" id=\"i-228\" src=\"data:image/svg+xml;base64,CjxzdmcgeG1sbnM9Imh0dHA6Ly93d3cudzMub3JnLzIwMDAvc3ZnIj4gCgk8aW1hZ2UgcHJlc2VydmVBc3BlY3RSYXRpbz0ibm9uZSIgd2lkdGg9IjEwMCUiIGhlaWdodD0iMTAwJSIgaHJlZj0iZGF0YTppbWFnZS9zdmcreG1sO2Jhc2U2NCxQRDk0Yld3Z2RtVnljMmx2YmowaU1TNHdJaUJsYm1OdlpHbHVaejBpVlZSR0xUZ2lQejRLUEhOMlp5QjRiV3h1Y3owaWFIUjBjRG92TDNkM2R5NTNNeTV2Y21jdk1qQXdNQzl6ZG1jaUlIaHRiRzV6T25oc2FXNXJQU0pvZEhSd09pOHZkM2QzTG5jekxtOXlaeTh4T1RrNUwzaHNhVzVySWlCMlpYSnphVzl1UFNJeExqRWlJSFpwWlhkQ2IzZzlJakFnTUNBeE1DNDBPRGtnT0M0MU1EUWlQZ29nSUR4a1pXWnpQZ29nSUNBZ1BITjBlV3hsUGdvZ0lDQWdJQ0F1WTJ4ekxURWdld29nSUNBZ0lDQWdJR1pwYkd3NklHNXZibVU3Q2lBZ0lDQWdJSDBLQ2lBZ0lDQWdJQzVqYkhNdE1pQjdDaUFnSUNBZ0lDQWdabWxzYkRvZ0kyWm1aanNLSUNBZ0lDQWdmUW9LSUNBZ0lDQWdMbU5zY3kweklIc0tJQ0FnSUNBZ0lDQmpiR2x3TFhCaGRHZzZJSFZ5YkNnalkyeHBjSEJoZEdncE93b2dJQ0FnSUNCOUNnb2dJQ0FnSUNBdVkyeHpMVFFnZXdvZ0lDQWdJQ0FnSUdacGJHdzZJQ015T1RNMk5EZzdDaUFnSUNBZ0lIMEtJQ0FnSUR3dmMzUjViR1UrQ2lBZ0lDQThZMnhwY0ZCaGRHZ2dhV1E5SW1Oc2FYQndZWFJvSWo0S0lDQWdJQ0FnUEhKbFkzUWdZMnhoYzNNOUltTnNjeTB4SWlCM2FXUjBhRDBpTVRBdU5EZzRJaUJvWldsbmFIUTlJamd1TlRBMElpOCtDaUFnSUNBOEwyTnNhWEJRWVhSb1Bnb2dJRHd2WkdWbWN6NEtJQ0E4SVMwdElFZGxibVZ5WVhSdmNqb2dRV1J2WW1VZ1NXeHNkWE4wY21GMGIzSWdNamd1Tnk0eExDQlRWa2NnUlhod2IzSjBJRkJzZFdjdFNXNGdMaUJUVmtjZ1ZtVnljMmx2YmpvZ01TNHlMakFnUW5WcGJHUWdNVFF5S1NBZ0xTMCtDaUFnUEdjK0NpQWdJQ0E4WnlCcFpEMGlUR0Y1WlhKZk1TSStDaUFnSUNBZ0lEeHlaV04wSUdOc1lYTnpQU0pqYkhNdE5DSWdkMmxrZEdnOUlqRXdMalE0T1NJZ2FHVnBaMmgwUFNJNExqVXdOQ0l2UGdvZ0lDQWdJQ0E4WnlCamJHRnpjejBpWTJ4ekxUTWlQZ29nSUNBZ0lDQWdJRHh3WVhSb0lHTnNZWE56UFNKamJITXRNaUlnWkQwaVRUTXVOVEUxTml3MkxqZzNNalZvTFM0MU1qSnNNUzQ1T0RRMExUVXVORFUwTm1ndU5UTXlNbXd4TGprNE16a3NOUzQwTlRRMmFDMHVOVEl4Tld3dE1TNDNNUzAwTGpnd09ERm9MUzR3TXpjeGJDMHhMamN4TERRdU9EQTRNVnBOTXk0NE9URXhMRFF1TnpneE1tZ3lMamN3TmpGMkxqUTBOek5vTFRJdU56QTJNWFl0TGpRME56TmFJaTgrQ2lBZ0lDQWdJRHd2Wno0S0lDQWdJRHd2Wno0S0lDQThMMmMrQ2p3dmMzWm5QZz09Ij48L2ltYWdlPgo8L3N2Zz4K\" style=\"height:9.19pt;width:11.34pt\"/></div></div></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps6476 ss2363\"><div><div class=\"ps18464 ss786\"><span class=\"f charStyle-8d2194f5 ps7\">Central bank cash placements and other HQLA<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps6588 ss910\"><div><div class=\"ps18464 ss784\"><span class=\"f charStyle-73034ed3\"><span class=\"ps7\"></span><span class=\"ps7\">80.8%<span style=\"display:inline-block;height:8.23pt;width:2.94pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps22710 ss2155\"><div><div class=\"ps28 ss1265\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Investec_Pie-chart_Letters-01.svg\" id=\"i-229\" src=\"data:image/svg+xml;base64,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\" style=\"height:9.19pt;width:11.34pt\"/></div></div></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps22711 ss2363\"><div><div class=\"ps18464 ss786\"><span class=\"f charStyle-73034ed3 ps7\">Individuals<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps3815 ss910\"><div><div class=\"ps18464 ss784\"><span class=\"f charStyle-73034ed3\"><span class=\"ps7\"></span><span class=\"ps7\">62.6%<span style=\"display:inline-block;height:8.23pt;width:2.94pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps2724 ss2155\"><div><div class=\"ps28 ss1265\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Investec_Pie-chart_Letters-02.svg\" id=\"i-230\" src=\"data:image/svg+xml;base64,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\" style=\"height:9.19pt;width:11.34pt\"/></div></div></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps18469 ss2363\"><div><div class=\"ps18464 ss786\"><span class=\"f charStyle-73034ed3 ps7\">Cash<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps22712 ss910\"><div><div class=\"ps18464 ss784\"><span class=\"f charStyle-73034ed3\"><span class=\"ps18465\"></span><span class=\"ps18465\">11.5%<span style=\"display:inline-block;height:8.23pt;width:2.94pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps22713 ss2155\"><div><div class=\"ps28 ss1265\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Investec_Pie-chart_Letters-02.svg\" id=\"i-231\" src=\"data:image/svg+xml;base64,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\" style=\"height:9.19pt;width:11.34pt\"/></div></div></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps14392 ss2363\"><div><div class=\"ps18464 ss786\"><span class=\"f charStyle-73034ed3 ps7\">Other financial institutions and corporates<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps4065 ss910\"><div><div class=\"ps18464 ss784\"><span class=\"f charStyle-73034ed3\"><span class=\"ps7\"></span><span class=\"ps7\">32.0%<span style=\"display:inline-block;height:8.23pt;width:2.94pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps4066 ss2155\"><div><div class=\"ps28 ss1265\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Investec_Pie-chart_Letters-03.svg\" id=\"i-232\" src=\"data:image/svg+xml;base64,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\" style=\"height:9.19pt;width:11.34pt\"/></div></div></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps18475 ss2363\"><div><div class=\"ps18464 ss786\"><span class=\"f charStyle-73034ed3 ps7\">Near cash<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps22715 ss910\"><div><div class=\"ps18464 ss784\"><span class=\"f charStyle-73034ed3\"><span class=\"ps22714\"></span><span class=\"ps22714\">7.7%<span style=\"display:inline-block;height:8.23pt;width:2.94pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps22716 ss2155\"><div><div class=\"ps28 ss1265\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Investec_Pie-chart_Letters-03.svg\" id=\"i-233\" src=\"data:image/svg+xml;base64,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\" style=\"height:9.19pt;width:11.34pt\"/></div></div></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps22717 ss2363\"><div><div class=\"ps18464 ss786\"><span class=\"f charStyle-73034ed3 ps7\">Small business<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #a4a69f;border-top:0.25pt solid #a4a69f;padding:0\"><div class=\"ps4071 ss910\"><div><div class=\"ps18464 ss784\"><span class=\"f charStyle-73034ed3\"><span class=\"ps6709\"></span><span class=\"ps6709\">5.4%<span style=\"display:inline-block;height:8.23pt;width:2.94pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22719 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Asset encumbrance</span></div><div class=\"ps22720 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">An asset is defined as encumbered if it has been pledged as collateral against an existing liability and, as a result, is no longer </span></div><div class=\"ps22723 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">available to the</span><span class=\"f charStyle-33e1c6d6 ps22721\"> Group </span><span class=\"f charStyle-33e1c6d6 ps22722\">to secure funding, satisfy collateral needs or be sold to reduce funding requirement.</span></div><div class=\"ps22724 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Encumbered assets are identified in accordance with the definitions under European Capital Requirements Regulation (CRR), and <span class=\"f ps2\"> </span></span></div><div class=\"ps22725 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">regular reporting is provided to the PRA.<span class=\"f ps2\"> </span></span></div><div class=\"ps22727 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Risk </span><span class=\"f charStyle-33e1c6d6 ps22726\">management monitors and manages total balance sheet encumbrance within a Board-approved risk appetite limit. Asset </span></div><div class=\"ps22728 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">encumbrance is one of the factors considered in the discussion of new products or new funding structures, and the impact on risk </span></div><div class=\"ps22729 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">appetite is assessed.</span></div><div class=\"ps22730 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The Group </span><span class=\"f charStyle-33e1c6d6 ps5264\">uses secured transactions to manage short-term cash and collateral needs, and utilises securitisations in order to raise </span></div><div class=\"ps22731 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">external term funding as part of its diversified liability base. Securitisation notes issued are also retained by the Group which are </span></div><div class=\"ps22732 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">eligible for the BoE\u2019s Single Collateral Pool to support central bank liquidity facilities.</span></div><div class=\"ps22733 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Further disclosures on encumbered and unencumbered assets can be found within the Investec plc Pillar 3 document.</span></div><div class=\"ps22736 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:21pt\"></td><td style=\"padding:0;width:459.75pt\"></td></tr><tr style=\"height:24.75pt\"><td style=\"padding:0\"><div class=\"ps19 ss771\"><div><div class=\"ps28 ss588\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Page_references.svg\" id=\"i-234\" src=\"data:image/svg+xml;base64,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\" style=\"height:15.59pt;width:15.59pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps2752 ss261\"><div><div class=\"ps6388 ss260\"><span class=\"f charStyle-9458d4de ps7\">On page </span><span class=\"f charStyle-2b0f4fe0 ps22734\"><a class=\"Hyperlink\" href=\"#iccba24ea0cd14a1fbe74568356c33a8e_280\" style=\"z-index:1\">119</a><span class=\"f ps2\"> </span></span><span class=\"f charStyle-9458d4de ps22735\"> we disclose further details of assets that have been received as collateral under reverse repurchase agreements and <span class=\"f ps2\"> </span></span></div><div class=\"ps6389 ss260\"><span class=\"f charStyle-9458d4de ps7\">securities borrowing transactions where the assets are allowed to be resold or pledged.<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps181 ss8\"><div class=\"ss669 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:20.25pt\"></td><td style=\"padding:0;width:213pt\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss1214\"><div><div class=\"ps28 ss92\"><div class=\"ps18454\"><div class=\"ps19\"><img alt=\"Audited_Yes_Black.png\" id=\"i-235\" 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\" style=\"height:15pt;width:17.1pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><span id=\"i0538bddee3b24b45887058da06b95329_0-1-1-1-3773628\"></span><div class=\"ps387 ss2339\"><div><div class=\"ps18250 ss696\"><span class=\"f charStyle-0e78c81e ps7\">Interest rate risk in the banking book (IRRBB)<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps18379 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Overview</span></div><div class=\"ps22738 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">IRRBB is an inherent consequence of conducting banking </span></div><div class=\"ps22739 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">activities, and arises from the provision of non-trading banking </span></div><div class=\"ps22742 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">products and services. The</span><span class=\"f charStyle-33e1c6d6 ps22740\"> Group </span><span class=\"f charStyle-33e1c6d6 ps22741\">considers the management </span></div><div class=\"ps22743 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of banking margin of vital importance, and our IRRBB philosophy </span></div><div class=\"ps22744 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">is reflected in our day-to-day practices.</span></div><div class=\"ps22745 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The aim of IRRBB management is to protect net interest </span></div><div class=\"ps22746 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">earnings and economic value of equity in accordance with the </span></div><div class=\"ps4180 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Board-approved risk appetite.</span></div><div class=\"ps4181 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Sources of IRRBB include:</span></div><div class=\"ps22748 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps461\">Repricing risk:</span><span class=\"f charStyle-33e1c6d6 ps22747\"> arises from the timing differences in the fixed </span></div><div class=\"ps22751 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">rate maturity and floating rate repricing of</span><span class=\"f charStyle-33e1c6d6 ps22749\"> Group </span><span class=\"f charStyle-33e1c6d6 ps22750\">assets, </span></div><div class=\"ps22752 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">liabilities and derivative positions. This affects the interest </span></div><div class=\"ps22753 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">rate margin realised between lending income and borrowing </span></div><div class=\"ps22754 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">costs when applied to our rate sensitive portfolios</span></div><div class=\"ps22757 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps461\">Yield curve risk:</span><span class=\"f charStyle-33e1c6d6 ps22755\"> repricing mismatches also expose the</span><span class=\"f charStyle-33e1c6d6 ps22756\"> </span></div><div class=\"ps22759 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">Group </span><span class=\"f charStyle-33e1c6d6 ps22758\">to changes in the slope and shape of the yield curve</span></div><div class=\"ps22761 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps461\">Basis risk: </span><span class=\"f charStyle-33e1c6d6 ps22760\">arises from imperfect correlation in the </span></div><div class=\"ps22762 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">adjustments of the rates earned and paid on different </span></div><div class=\"ps22763 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">instruments with otherwise similar repricing characteristics</span></div><div class=\"ps22765 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps461\">Embedded option risk:</span><span class=\"f charStyle-33e1c6d6 ps22764\"> arises from optional elements </span></div><div class=\"ps22768 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">embedded in items where the</span><span class=\"f charStyle-33e1c6d6 ps22766\"> Group </span><span class=\"f charStyle-33e1c6d6 ps22767\">or its customers can </span></div><div class=\"ps22769 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">alter the level and timing of their cash flows, such as the </span></div><div class=\"ps22770 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">prepayment of fixed rate loans and withdrawal of non-</span></div><div class=\"ps22771 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">maturity deposits (NMDs)</span></div><div class=\"ps22773 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-2bfb2495 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-2bfb2495 ps461\">Endowment risk:</span><span class=\"f charStyle-33e1c6d6 ps22772\"> refers to the interest rate risk exposure </span></div><div class=\"ps22774 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">arising from the net differential between interest rate </span></div><div class=\"ps22775 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">insensitive assets, interest rate insensitive liabilities </span></div><div class=\"ps22776 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">and\u00a0capital.</span></div><div class=\"ps22777 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The above sources of interest rate risk\u00a0affect the interest rate </span></div><div class=\"ps22778 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">margin realised between lending income and borrowing costs </span></div><div class=\"ps22779 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">when applied to our rate sensitive asset and liability portfolios, </span></div><div class=\"ps22780 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">which has a\u00a0direct effect on future net interest earnings and the </span></div><div class=\"ps22781 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">economic value of equity.</span></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps74\">Risk management and measurement<span class=\"f ps2\"> </span><span id=\"i4298e21e46a84636ae4baccaf7cfb863_8571\"></span></span></div><div class=\"ps10770 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Each banking entity has its own Board-approved IRRBB </span></div><div class=\"ps10771 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">appetite, covering both income and economic value risk. The</span><span class=\"f charStyle-33e1c6d6 ps22782\"> </span></div><div class=\"ps19160 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Group</span><span class=\"f charStyle-33e1c6d6 ps22783\"> has limited appetite for\u00a0IRRBB.</span><span class=\"f charStyle-33e1c6d6 ps22784\"> </span></div><div class=\"ps10773 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Operationally, daily management of interest rate risk is </span></div><div class=\"ps10774 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">centralised within the Treasury of each banking entity and is </span></div><div class=\"ps10775 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">subject to local independent risk and ALCO review. Where </span></div><div class=\"ps22785 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">possible, Treasury further mitigates any residual risk by </span></div><div class=\"ps21174 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">changing the duration of the banking book\u2019s discretionary liquid </span></div><div class=\"ps19440 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">asset portfolio, or through derivative transactions. The Treasury </span></div><div class=\"ps19447 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">mandate allows for a tactical response to market volatility which </span></div><div class=\"ps21175 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">may arise during changing interest rate cycles, in order to </span></div><div class=\"ps21176 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">hedge residual exposures. Any\u00a0resultant interest rate position </span></div><div class=\"ps19169 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">is\u00a0managed under the IRRBB risk limits. Balance sheet risk </span></div><div class=\"ps19170 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">management independently monitors a broad range of\u00a0interest </span></div><div class=\"ps19171 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">rate risk metrics to changes in\u00a0interest rate risk factors, detailing </span></div><div class=\"ps19173 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">the sources of interest rate exposure.</span></div><div class=\"ps22786 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Automatic optionality arising from variable rate products with </span></div><div class=\"ps22787 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">an\u00a0embedded minimum lending rate serves as an income </span></div><div class=\"ps22788 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">protection mechanism for the Group against falling interest </span></div><div class=\"ps22789 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">rates, while behavioural optionality risk from customers of fixed </span></div><div class=\"ps22790 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">rate products is mitigated by early repayment charges.</span></div><div class=\"ps22791 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">The UK Bank maintains a structural hedging programme to </span></div><div class=\"ps22792 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">reduce the sensitivity of earnings to short-term interest rate </span></div><div class=\"ps22793 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">movements. An amortising profile of \u00a32.1 billion tangible equity </span></div><div class=\"ps22794 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">has been assigned with an average duration of 2.5 years evenly </span></div><div class=\"ps22795 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">distributed over the period. The termed equity is then hedged </span></div><div class=\"ps22797 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">and managed within the </span><span class=\"f charStyle-33e1c6d6 ps22796\">overall interest rate risk appetite. </span></div><div class=\"ps22798 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">IRRBB is measured and analysed by utilising standard tools of </span></div><div class=\"ps22799 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">traditional interest rate repricing mismatch and net present </span></div><div class=\"ps22800 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">value (NPV) sensitivity to changes in interest rate risk factors:</span></div><div class=\"ps19604 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps663\">Income metrics capture the change in accruals expected over </span></div><div class=\"ps19612 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">a specified time horizon in response to a change in interest </span></div><div class=\"ps19615 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">rates</span></div><div class=\"ps22801 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps663\">Economic value metrics capture all future cash flows in order </span></div><div class=\"ps22802 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">to calculate the Group\u2019s net worth and therefore can highlight </span></div><div class=\"ps22803 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">risks beyond the short-term earnings time horizon.</span></div><div class=\"ps19620 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">These metrics are used to assess and to\u00a0communicate to senior </span></div><div class=\"ps19624 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">management the financial impact of possible future interest rate </span></div><div class=\"ps22804 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">scenarios, covering:</span></div><div class=\"ps22805 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps663\">Interest rate expectations and perceived risks to the </span></div><div class=\"ps22806 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">central\u00a0view</span></div><div class=\"ps22807 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps663\">Standard shocks to levels and shapes of interest rates and </span></div><div class=\"ps22808 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">yield curves.</span></div></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The repricing gap provides a simple representation of the </span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">balance sheet, with the sensitivity of fair values and earnings to </span></div><div class=\"ps701 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">changes to interest rates calculated off the repricing gap. This </span></div><div class=\"ps702 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">also allows for the detection of interest rate risk concentration </span></div><div class=\"ps3313 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">in specific repricing buckets. Net interest income sensitivity </span></div><div class=\"ps6370 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">measures the change in accruals expected over the specified </span></div><div class=\"ps80 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">horizon in response to a shift in the yield curve. Economic value </span></div><div class=\"ps707 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sensitivity and stress testing to macro-economic movements or </span></div><div class=\"ps710 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">changes in the yield curve measures the impact of interest rate </span></div><div class=\"ps712 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">shocks on net present value, based on discounted asset and </span></div><div class=\"ps3315 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">liability cashflows. Economic value measures have the </span></div><div class=\"ps3316 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">advantage that all future cash flows are considered and </span></div><div class=\"ps6373 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">therefore assess the risk beyond the earnings horizon.</span></div><div class=\"ps6028 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Net interest income sensitivity</span></div><div class=\"ps19170 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">IRRBB is measured and monitored using an income sensitivity </span></div><div class=\"ps19171 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">approach. The tables below reflect an illustrative annualised net </span></div><div class=\"ps19173 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">interest income value sensitivity to a 0.25% parallel shift in </span></div><div class=\"ps21659 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">interest rates, based on modelled assumptions, assuming no </span></div><div class=\"ps21660 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">management action. </span></div><div class=\"ps22819 ss8\"><div class=\"ss669 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:113.25pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss2187\"><div><div class=\"ps809 ss350\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19176 ss287\"><div><div class=\"ps809 ss286\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps808\">31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22811 ss287\"><div><div class=\"ps809 ss286\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps22809\"> </span><span class=\"f charStyle-6f1c08a8 ps22810\">31 March 2025</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps816 ss2187\"><div><div class=\"ps97 ss350\"><span class=\"f charStyle-c4fc3a3f ps7\">25bps down<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22813 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:38.6pt\"></span></span><span class=\"ps22812\">(8.2)</span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps22815 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.15pt\"></span></span><span class=\"ps22814\">(9.3)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps817 ss2187\"><div><div class=\"ps97 ss350\"><span class=\"f charStyle-c4fc3a3f ps7\">25bps up<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22817 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.71pt\"></span></span><span class=\"ps22816\">7.0<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22818 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.23pt\"></span></span><span class=\"ps19118\">7.9<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22820 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Economic value (EV) sensitivity </span></div><div class=\"ps22821 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">IRRBB is measured and monitored using the EV sensitivity </span></div><div class=\"ps22823 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">approach.</span><span class=\"f charStyle-33e1c6d6 ps22822\"> The tables below reflect an illustrative economic </span></div><div class=\"ps22824 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">value sensitivity to a 2% parallel shift in interest rates, based on </span></div><div class=\"ps22825 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">modelled assumptions, assuming no management action. This </span></div><div class=\"ps22826 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sensitivity effect would only have a negligible direct impact on </span></div><div class=\"ps22827 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">our equity.</span></div><div class=\"ps22831 ss8\"><div class=\"ss669 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:113.25pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss2187\"><div><div class=\"ps809 ss350\"><span class=\"f charStyle-ef17fa27 ps7\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19176 ss287\"><div><div class=\"ps809 ss286\" style=\"font-size:12pt\"><span class=\"f charStyle-ef17fa27 ps808\">31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22811 ss287\"><div><div class=\"ps809 ss286\" style=\"font-size:12pt\"><span class=\"f charStyle-6f1c08a8 ps22809\"> </span><span class=\"f charStyle-6f1c08a8 ps22810\">31 March 2025</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps816 ss2187\"><div><div class=\"ps97 ss350\"><span class=\"f charStyle-c4fc3a3f ps7\">200bps down<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps22813 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.44pt\"></span></span><span class=\"ps20454\">(1.0)</span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps22815 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.39pt\"></span></span><span class=\"ps22828\">(5.8)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps817 ss2187\"><div><div class=\"ps97 ss350\"><span class=\"f charStyle-c4fc3a3f ps7\">200bps up<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22817 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.72pt\"></span></span><span class=\"ps22829\">(10.2)</span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps22818 ss287\"><div><div class=\"ps815 ss286\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.28pt\"></span></span><span class=\"ps22830\">(8.2)</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4165 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps74\">Regulatory requirements<span id=\"i4298e21e46a84636ae4baccaf7cfb863_4107\"></span></span></div><div class=\"ps5816 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps74\">Liquidity risk<span class=\"f ps2\"> </span><span id=\"i4298e21e46a84636ae4baccaf7cfb863_4108\"></span></span></div><div class=\"ps5980 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">The two minimum BCBS standards for funding liquidity are:</span></div><div class=\"ps22833 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps663\">The Liquidity Coverage ratio (LCR) which is designed to </span></div><div class=\"ps5982 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">ensure that banks have sufficient HQLA to meet their liquidity </span></div><div class=\"ps5983 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">needs throughout a 30-calendar day severe stress </span></div><div class=\"ps22834 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps663\">The Net Stable Funding ratio (NSFR) which is designed to </span></div><div class=\"ps22835 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">capture structural issues over a longer time horizon by </span></div><div class=\"ps22235 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">requiring banks to have a sustainable maturity structure of </span></div><div class=\"ps22236 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps663\">assets and a stable liability base.</span></div><div class=\"ps5989 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">The Investec plc and</span><span class=\"f charStyle-33e1c6d6 ps22836\"> </span><span class=\"f charStyle-33e1c6d6 ps22837\">IBP (solo basis) LCRs are calculated based </span></div><div class=\"ps22838 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">on the rules contained in the PRA rulebook overlaid with\u00a0our </span></div><div class=\"ps22839 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">own interpretations where the regulation requires. Banks are </span></div><div class=\"ps22844 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps22840\">required to maintain a minimum LCR of 100%.</span><span class=\"f charStyle-4646bb92 ps22841\"> </span><span class=\"f charStyle-33e1c6d6 ps22842\">As at</span><span class=\"f charStyle-33e1c6d6 ps22843\">31 March </span></div><div class=\"ps22851 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">2026</span><span class=\"f charStyle-33e1c6d6 ps8307\"> the LCR was</span><span class=\"f charStyle-33e1c6d6 ps22845\"> </span><span class=\"f charStyle-33e1c6d6 ps22846\">349</span><span class=\"f charStyle-33e1c6d6 ps22847\">% for Investec plc and </span><span class=\"f charStyle-33e1c6d6 ps22848\">348</span><span class=\"f charStyle-33e1c6d6 ps22849\">% </span><span class=\"f charStyle-33e1c6d6 ps22850\">for IBP (solo </span></div><div class=\"ps22852 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">basis).</span></div><div class=\"ps22853 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Within the UK, the NSFR has become a\u00a0binding requirement for </span></div><div class=\"ps22854 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">banks since January 2022. Banks are now required to\u00a0maintain </span></div><div class=\"ps22858 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">a minimum NSFR of 100%.</span><span class=\"f charStyle-33e1c6d6 ps22855\"> The NSFR at </span><span class=\"f charStyle-33e1c6d6 ps22856\">31 March 2026</span><span class=\"f charStyle-33e1c6d6 ps22857\"> was </span></div><div class=\"ps22862 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">141</span><span class=\"f charStyle-33e1c6d6 ps22859\">% for Investec plc and </span><span class=\"f charStyle-33e1c6d6 ps22860\">140</span><span class=\"f charStyle-33e1c6d6 ps22861\">% for IBP (solo\u00a0basis).</span></div><div class=\"ps22863 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Investec plc undertakes an annual ILAAP, which documents </span></div><div class=\"ps22864 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">the\u00a0approach to liquidity management across the firm. </span></div><div class=\"ps22865 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">This\u00a0document is approved by the IBP and DLC Boards </span></div><div class=\"ps22866 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">before\u00a0being provided to the PRA for use, alongside the </span></div><div class=\"ps22867 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Liquidity Supervisory Review and Evaluation Process, to </span></div><div class=\"ps22868 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">determine the bank\u2019s Individual Liquidity Guidance, also </span></div><div class=\"ps22869 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">known\u00a0as a Pillar II requirement.</span></div><div class=\"ps22870 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps74\">IRRBB</span></div><div class=\"ps22871 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">The BCBS standards for IRRBB recommend that the risk is </span></div><div class=\"ps22872 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">assessed as part of the Bank\u2019s capital requirements, while also </span></div><div class=\"ps22873 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">outlining six prescribed shock scenarios, and recommending </span></div><div class=\"ps22874 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">enhanced disclosure requirements for supervisors to implement.</span></div><div class=\"ps22875 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">The regulatory framework requires banks to assess their </span></div><div class=\"ps22876 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">Pillar\u00a0II\u00a0requirements, including those related to IRRBB, as part of </span></div><div class=\"ps22877 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">their ICAAP in accordance with PS22/21 and SS31/15. This </span></div><div class=\"ps22878 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">is\u00a0reviewed on\u00a0at least an annual basis and reviewed and </span></div><div class=\"ps22879 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">approved by IBP BRCC, DLC BRCC and by the IBP and </span></div><div class=\"ps22880 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps74\">DLC\u00a0Boards.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLiquidityRiskExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-969": {
   "value": "<div><div id=\"iccba24ea0cd14a1fbe74568356c33a8e_457\" style=\"position:absolute;top:120.47pt\"></div><div class=\"ps24 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-f6a3ab10 ps23\">63<span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15781\">. <span class=\"f ps2\"> </span></span><span class=\"f charStyle-f6a3ab10 ps15782\">Capital management and allocation<span class=\"f ps2\"> </span><span id=\"i283a065ee6314f40a85b8c13c45a2235_18401\"></span></span></div><div class=\"ps23132 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-7a1d24f9 ps23\">The content presented within this section is unaudited unless denoted with the following <span class=\"f ps2\"> </span></span><div class=\"ps23131\"><div class=\"ps19\"><img alt=\"Audited_Yes_Black.png\" id=\"i-239\" src=\"data:image/png;base64,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\" style=\"height:15.79pt;width:18pt\"/></div></div></div><div class=\"ps23135 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23133\"> </span><span class=\"f charStyle-b9f48ea1 ps23134\">Overview<span class=\"f ps2\"> </span></span><div class=\"ps14\"><div class=\"ps19\"><img alt=\"Audited_Yes_Black.png\" id=\"i-240\" src=\"data:image/png;base64,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\" style=\"height:15.79pt;width:18pt\"/></div></div></div><div class=\"ps23136 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec plc is an approved UK Financial Holding Company (FHC), responsible for ensuring compliance with consolidated prudential <span class=\"f ps2\"> </span></span></div><div class=\"ps23137 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">requirements on a consolidated basis. Investec Bank plc, the main banking subsidiary of the Investec plc Group, continues to be </span></div><div class=\"ps23138 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">authorised by the PRA and regulated by the FCA and the PRA. Investec plc calculates capital resources and requirements using <span class=\"f ps2\"> </span></span></div><div class=\"ps23139 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the\u00a0Basel III framework, as implemented in the European Union through the CRR and CRD IV, as amended by CRR II and CRD V. </span></div><div class=\"ps23140 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Following the end of the Brexit transitional period, the EU rules (including binding technical standards) were onshored and now </span></div><div class=\"ps23141 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">form part of domestic law in the UK by virtue of the European Union (Withdrawal) Act 2018. </span></div><div class=\"ps23142 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec plc applies the Standardised Approach to calculate credit risk and counterparty credit risk (CCR), credit valuation </span></div><div class=\"ps23143 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">adjustment (CVA) risk, securitisation risk, operational risk and market risk capital requirements. Since 1\u00a0January\u00a02022, Investec plc </span></div><div class=\"ps23144 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">adopted the outstanding CRR II changes to be implemented in the UK, most notably the new Standardised Approach for measuring </span></div><div class=\"ps23145 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Counterparty Credit Risk (SA-CCR) and changes to the large exposure regime.</span></div><div class=\"ps23146 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Subsidiaries of Investec plc may be subject to additional regulations as implemented by local regulators in their respective </span></div><div class=\"ps23147 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">jurisdictions. Where capital is a relevant consideration, management within each regulated entity pays close attention to prevailing </span></div><div class=\"ps23148 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">local regulatory rules as determined by their respective regulators. </span></div><div class=\"ps23149 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">A summary of capital adequacy and leverage ratios</span></div><div class=\"ps23167 ss8\"><div class=\"ss125 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:354.75pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #929292;padding:0\"></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #929292;padding:0\"><div class=\"ps15826 ss1771\"><div><div class=\"ps809 ss1767\"><span class=\"f charStyle-a26246ce ps10065\">31 March 2026*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #929292;padding:0\"><div class=\"ps15828 ss1961\"><div><div class=\"ps809 ss1810\"><span class=\"f charStyle-8d4b9b37 ps23150\">31 March 2025*<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.5pt solid #929292;padding:0\"><div class=\"ps816 ss2375\"><div><div class=\"ps2754 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Common Equity Tier 1 ratio**<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #929292;padding:0\"><div class=\"ps23151 ss2376\"><div><div class=\"ps2754 ss1767\"><span class=\"f charStyle-2b0f4fe0 ps12195\">12.6%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #929292;padding:0\"><div class=\"ps23152 ss2377\"><div><div class=\"ps2754 ss1810\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps11956\"></span><span class=\"ps11956\">12.3%</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps3722 ss2375\"><div><div class=\"ps2754 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Tier 1 ratio**<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23153 ss2376\"><div><div class=\"ps2754 ss1767\"><span class=\"f charStyle-2b0f4fe0 ps884\">14.3%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps23154 ss2377\"><div><div class=\"ps2754 ss1810\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps15344\"></span><span class=\"ps15344\">14.1%</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps3449 ss2375\"><div><div class=\"ps2754 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Total Capital ratio**<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23156 ss2376\"><div><div class=\"ps2754 ss1767\"><span class=\"f charStyle-2b0f4fe0 ps23155\">17.9%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps23157 ss2377\"><div><div class=\"ps2754 ss1810\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps17503\"></span><span class=\"ps17503\">17.8%</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps6433 ss2375\"><div><div class=\"ps2754 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Risk weighted assets (\u00a3'million)**<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23158 ss2376\"><div><div class=\"ps2754 ss1767\"><span class=\"f charStyle-2b0f4fe0 ps5503\">20\u00a0380<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps23159 ss2377\"><div><div class=\"ps2754 ss1810\"><span class=\"f charStyle-2b0f4fe0 ps12369\">19\u00a0221<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps4077 ss2375\"><div><div class=\"ps2754 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Leverage exposure measure (\u00a3'million)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23160 ss2376\"><div><div class=\"ps2754 ss1767\"><span class=\"f charStyle-2b0f4fe0 ps18415\">32\u00a0021<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps23162 ss2377\"><div><div class=\"ps2754 ss1810\"><span class=\"f charStyle-2b0f4fe0 ps23161\">28\u00a0089<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #6d6d6d;padding:0\"><div class=\"ps192 ss2375\"><div><div class=\"ps2754 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Leverage ratio**<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #6d6d6d;padding:0\"><div class=\"ps23164 ss2376\"><div><div class=\"ps2754 ss1767\"><span class=\"f charStyle-2b0f4fe0 ps23163\">9.1%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #6d6d6d;padding:0\"><div class=\"ps23166 ss2377\"><div><div class=\"ps2754 ss1810\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps23165\"></span><span class=\"ps23165\">9.6%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23168 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">The capital adequacy and leverage disclosures for Investec plc include the deduction of foreseeable charges and dividends when calculating CET1 and Tier 1 capital. </span></span></div><div class=\"ps23169 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">These disclosures differ from the disclosures included in Investec Group\u2019s year-end results booklet 2026, which follow our normal basis of presentation and do not </span></div><div class=\"ps23170 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">include this deduction. Investec plc\u2019s CET1 ratio would be 37bps (31 March 2025: 33bps) and the leverage ratio 24bps (31 March 2025: 23bps) higher, on this basis. </span></div><div class=\"ps23171 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">**<span style=\"display:inline-block;height:5.81pt;width:8.17pt\"></span></span><span class=\"ps968\">The March 2025 CET1, Tier 1, total capital and leverage ratios, and risk weighted assets (RWAs) have been calculated applying the IFRS 9 transitional arrangements. </span></span></div><div class=\"ps23172 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">Effective from 1 April 2025, IFRS 9 transitional arrangements ceased to apply, with all subsequent ratios presented on a fully loaded basis. </span></div><div class=\"ps23174 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23133\"> </span><span class=\"f charStyle-b9f48ea1 ps23134\">Philosophy and approach</span><div class=\"ps14\"><div class=\"ps19\"><img alt=\"Audited_Yes_Black.png\" id=\"i-241\" src=\"data:image/png;base64,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\" style=\"height:15.79pt;width:18pt\"/></div></div></div><div class=\"ps23175 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec plc Group\u2019s approach to capital management utilises </span></div><div class=\"ps23176 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">both regulatory capital as appropriate to that jurisdiction and </span></div><div class=\"ps23177 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">internal capital, which is an internal risk-based assessment of </span></div><div class=\"ps23178 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">capital requirements. Capital management primarily relates to </span></div><div class=\"ps23179 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">management of the interaction of both, with the emphasis on </span></div><div class=\"ps23180 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">regulatory capital for managing portfolio-level capital </span></div><div class=\"ps23181 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sufficiency and on internal capital for ensuring that returns are </span></div><div class=\"ps23182 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">appropriate given the level of risk taken at an individual </span></div><div class=\"ps23183 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">transaction or business unit level.</span></div><div class=\"ps23184 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">We intend to maintain a sufficient level of capital to satisfy </span></div><div class=\"ps23185 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">regulatory requirements and our internal target ratios. On a </span></div><div class=\"ps23186 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">consolidated basis for Investec plc and Investec Limited, we </span></div><div class=\"ps23187 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">target a Total Capital ratio range of between 14% and 17%, and </span></div><div class=\"ps23188 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">we target a minimum Tier 1 ratio of 11% and a CET1 ratio above </span></div><div class=\"ps23189 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">10%. </span></div><div class=\"ps23190 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The determination of target capital is driven by our risk profile, </span></div><div class=\"ps23191 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">strategy and risk appetite, taking into account the regulatory </span></div><div class=\"ps23192 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and market factors applicable to the Group. At the most </span></div><div class=\"ps23193 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">fundamental level, we seek to balance our capital consumption </span></div><div class=\"ps23194 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">between prudent capitalisation in the context of the Group\u2019s </span></div><div class=\"ps23195 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">risk profile and optimisation of shareholder returns. Our internal </span></div><div class=\"ps23196 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">capital framework is designed to manage and achieve this </span></div><div class=\"ps23197 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">balance.</span></div><div class=\"ps23198 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The internal capital framework is based on the Group\u2019s risk </span></div><div class=\"ps23199 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">identification, review and assessment processes and is used to </span></div><div class=\"ps23200 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">provide a risk-based approach to capital allocation, </span></div><div class=\"ps23201 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">performance and structuring of our balance sheet. The </span></div><div class=\"ps23202 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">objectives of the internal capital framework are to quantify the </span></div><div class=\"ps23203 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">minimum capital required to: </span></div><div class=\"ps23204 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Maintain sufficient capital to satisfy the Board\u2019s risk appetite </span></div><div class=\"ps23205 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">across all risks faced by the Group</span></div><div class=\"ps23206 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Provide protection to depositors against losses arising from </span></div><div class=\"ps23207 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">risks inherent in the business</span></div><div class=\"ps23208 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Provide sufficient capital surplus to ensure that the Group is </span></div><div class=\"ps23209 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">able to retain its going concern basis under relatively severe </span></div><div class=\"ps23210 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">operating conditions </span></div><div class=\"ps23211 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Inform the setting of minimum regulatory capital through the </span></div><div class=\"ps23212 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">ICAAP and subsequent Supervisory Review and Evaluation </span></div><div class=\"ps23213 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">Process (SREP). The ICAAP documents the approach to </span></div><div class=\"ps7168 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">capital management, including the assessment of the </span></div><div class=\"ps23214 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">regulatory and internal capital position of each Group </span></div><div class=\"ps23215 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">The ICAAP is reviewed and approved by DLC BRCC and the </span></div><div class=\"ps23216 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">Board.</span></div><div class=\"ps23217 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">The framework has been approved by the Board and is </span></div><div class=\"ps7172 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">managed by the DLC Capital Committee, which is responsible <span class=\"f ps2\"> </span></span></div><div class=\"ps23218 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">for oversight of the management of capital on a regulatory and </span></div><div class=\"ps23219 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">an internal capital basis.</span></div><div class=\"ps23220 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps4867\">Capital planning and stress/scenario testing<span id=\"i283a065ee6314f40a85b8c13c45a2235_18411\"></span></span></div><div class=\"ps23221 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">A capital plan is prepared for Investec plc and is maintained to </span></div><div class=\"ps23222 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">facilitate discussion of the impact of business strategy and </span></div><div class=\"ps23223 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">market conditions on capital adequacy. This plan is designed to </span></div><div class=\"ps23224 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">assess capital adequacy under a range of economic and </span></div><div class=\"ps23225 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">internal conditions over the medium term (three years), with the </span></div><div class=\"ps23226 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">impact on earnings, asset growth, risk appetite and liquidity </span></div><div class=\"ps23227 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">considered. The plan provides the Board with an input into </span></div><div class=\"ps23228 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">strategy and the setting of risk appetite by considering </span></div><div class=\"ps7182 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">business risks and potential vulnerabilities, capital usage and </span></div><div class=\"ps7183 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">funding requirements given constraints where these exist.</span></div></div><div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Capital plans are prepared and presented to the Capital </span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Committees on a frequent basis. The plans are updated with </span></div><div class=\"ps701 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the actual month-end position and forecast out to the end of </span></div><div class=\"ps702 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the fiscal year, taking into account updated profit and loss and </span></div><div class=\"ps3313 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">asset growth forecasts.</span></div><div class=\"ps706 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The goal of capital planning is to provide insight into potential </span></div><div class=\"ps3314 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">sources of vulnerability of capital adequacy by way of market, </span></div><div class=\"ps6371 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">economic or internal events. As such, the three-year capital </span></div><div class=\"ps6372 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">plans are stressed based on conditions most likely to cause </span></div><div class=\"ps8220 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec plc duress. The conditions are agreed by the Investec </span></div><div class=\"ps8221 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">plc Capital Committee after the key vulnerabilities have been </span></div><div class=\"ps6026 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">determined through the stress testing workshops. Such plans </span></div><div class=\"ps6027 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">are used by management to formulate balance sheet strategy </span></div><div class=\"ps6028 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and agree management actions, trigger points and influence </span></div><div class=\"ps6029 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">the determination of our risk appetite. At a minimum level, each </span></div><div class=\"ps6374 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">capital plan assesses the impact on our capital adequacy in an </span></div><div class=\"ps7988 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">expected case and in downturn scenarios. On the basis of the </span></div><div class=\"ps7990 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">results of\u00a0this analysis, the Investec plc Capital Committee, DLC </span></div><div class=\"ps7993 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Capital Committee and DLC BRCC are presented with the </span></div><div class=\"ps7994 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">potential variability in\u00a0capital adequacy and are responsible, in </span></div><div class=\"ps8257 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">consultation with the Board, for considering the appropriate </span></div><div class=\"ps8258 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">response.</span></div><div class=\"ps7996 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Reverse stress testing is performed annually as part of the </span></div><div class=\"ps7997 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">ICAAP process.</span></div><div class=\"ps23229 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps23\">Year in review</span></div><div class=\"ps23230 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">During the year under review, Investec plc complied with the </span></div><div class=\"ps23231 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">capital adequacy requirements imposed on it by the PRA. </span></div><div class=\"ps18287 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Investec plc continues to hold capital in excess of all the capital </span></div><div class=\"ps18289 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">and buffer requirements. </span></div><div class=\"ps21644 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">At 31 March 2026, the CET1 ratio increased to 12.6% from </span></div><div class=\"ps21645 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">12.3% at 31 March 2025. CET1 capital increased by \u00a3211 million </span></div><div class=\"ps23232 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">to \u00a32.6 billion, mainly as a result of CET1 capital generation of </span></div><div class=\"ps23233 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u00a3340 million through profit after taxation, as well as a net </span></div><div class=\"ps23234 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">increase in other comprehensive income of \u00a366 million (which </span></div><div class=\"ps18296 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">includes the fair value increase in our investment in Ninety One </span></div><div class=\"ps18297 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of \u00a377 million), an increase of \u00a352 million in the share-based </span></div><div class=\"ps18298 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">payment adjustments and an \u00a38 million increase in equity </span></div><div class=\"ps18299 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">movements in associates and joint ventures.</span><span class=\"f charStyle-33e1c6d6 ps23235\"> </span><span class=\"f charStyle-33e1c6d6 ps23236\">These increases </span></div><div class=\"ps18300 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">are partially offset by:</span></div><div class=\"ps21649 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">Dividends paid to ordinary shareholders and Additional Tier 1 </span></div><div class=\"ps21650 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">security holders of \u00a3156 million</span></div><div class=\"ps23237 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">A \u00a362 million increase in the treasury shares deduction</span></div><div class=\"ps23238 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">The reversal of gains attributable to non-financial entities </span></div><div class=\"ps23239 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">outside the regulatory scope of consolidation, partially offset </span></div><div class=\"ps23240 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">by gains arising from proportionally consolidated associates </span></div><div class=\"ps23241 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">of \u00a320 million</span></div><div class=\"ps21657 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps461\">An increase in the foreseeable dividends and charges </span></div><div class=\"ps21658 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps461\">deduction of \u00a313 million.</span></div><div class=\"ps23242 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">RWAs increased by 6.0% or \u00a31.2 billion to \u00a320.4 billion over the </span></div><div class=\"ps23243 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">period, predominantly within credit risk and operational risk </span></div><div class=\"ps23245 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">RWAs.</span><span class=\"f charStyle-33e1c6d6 ps23244\"> </span></div><div class=\"ps23246 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Credit risk RWAs, which includes equity risk, increased by\u00a0 </span></div><div class=\"ps23247 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">\u00a3948 million. The increase mainly reflects asset growth across </span></div><div class=\"ps23248 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">several areas, including Fund Finance, Growth and Acquisition </span></div><div class=\"ps23249 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Finance, Private Clients, Real Estate and Credit Investments. A </span></div><div class=\"ps23250 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">further increase of \u00a394 million, driven by asset growth, is </span></div><div class=\"ps23251 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">attributable to our holding in Rathbones, which is proportionally </span></div><div class=\"ps23252 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">consolidated.</span></div><div class=\"ps23253 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">CCR RWAs (including CVA risk) decreased by \u00a333 million </span></div><div class=\"ps23254 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">compared to 31 March 2025. The reduction in RWAs is driven by </span></div><div class=\"ps23255 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">decreases in the exposure at default across various products, </span></div><div class=\"ps23256 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">including foreign exchange contracts, equity options and interest </span></div><div class=\"ps23258 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps23\">rate derivatives.</span><span class=\"f charStyle-33e1c6d6 ps23257\"> </span></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Market risk RWAs decreased by \u00a375 million, driven by lower </span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">foreign exchange option risk and collective investments </span></div><div class=\"ps701 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">undertaking exposures.</span></div><div class=\"ps6025 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Operational risk RWAs increased by \u00a3319 million to \u00a32.6 billion </span></div><div class=\"ps705 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">driven by a higher three-year average operating income. </span></div><div class=\"ps706 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Around two-thirds of the increase reflects IBP\u2019s regulatory </span></div><div class=\"ps3314 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">proportional share of Rathbones, with a full three years of </span></div><div class=\"ps6371 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Rathbones\u2019 gross income now included in the average.</span></div><div class=\"ps712 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-941fb8a2 ps4867\">As at 31 March 2026, the Investec plc Group exceeded the\u00a0 \u00a0 \u00a0 \u00a0 </span></div><div class=\"ps3315 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-941fb8a2 ps4867\">\u00a310 billion non-UK asset threshold under the PRA\u2019s UK leverage </span></div><div class=\"ps3316 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-941fb8a2 ps4867\">ratio framework, and is therefore expected to be classified as a </span></div><div class=\"ps6373 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-941fb8a2 ps4867\">Large Regulated Entity (LREQ) firm, introducing a minimum </span></div><div class=\"ps8274 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-941fb8a2 ps4867\">leverage ratio requirement of 3.25% (subject to PRA confirmation). </span></div><div class=\"ps6029 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">The Group's leverage ratio decreased to 9.1% from 9.6% at </span></div><div class=\"ps6374 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">31\u00a0March 2025. Tier 1 capital increased by \u00a3211 million, </span><span class=\"f charStyle-68c7bd0e ps23259\">due to </span></div><div class=\"ps7988 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">CET1 capital generation.</span></div><div class=\"ps6376 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">The leverage exposure measure increased by \u00a33.9 billion, </span></div><div class=\"ps6377 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">driven by asset growth across multiple balance sheet line </span></div><div class=\"ps6378 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">items, most notably increases in sovereign debt securities of\u00a0 \u00a0 \u00a0  </span></div><div class=\"ps6379 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u00a31.3 billion, loans and advances to customers of \u00a31 billion, </span></div><div class=\"ps7995 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">settlement debtors of \u00a3348 million, other debt securities of </span></div><div class=\"ps7996 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u00a3347 million, bank debt securities of \u00a3332 million and securities </span></div><div class=\"ps7997 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">financing transactions of \u00a3293 million.</span><span class=\"f charStyle-33e1c6d6 ps23260\"> </span></div><div class=\"ps23229 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps4867\">Minimum capital requirement</span></div><div class=\"ps23230 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">Investec plc\u2019s minimum CET1 requirement at 31 March 2026 is </span></div><div class=\"ps23231 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">8.7% comprising a 4.5% Pillar 1 minimum requirement, a 2.5% </span></div><div class=\"ps18287 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">Capital Conservation Buffer (CCB), a 0.29% Pillar 2A requirement </span></div><div class=\"ps18289 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">and a 1.4% Countercyclical Capital Buffer (CCyB). The Group\u2019s </span></div><div class=\"ps18291 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">institution-specific CCyB requirement is calculated based on the </span></div><div class=\"ps18292 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">relevant exposures held in jurisdictions in which a buffer rate has </span></div><div class=\"ps18293 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-68c7bd0e ps4867\">been set. As at 31\u00a0March 2026 the UK CCyB rate is 2%.</span></div><div class=\"ps23261 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps4867\">Regulatory developments</span></div><div class=\"ps23262 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps4867\">Basel 3.1 standards</span></div><div class=\"ps23263 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-941fb8a2 ps4867\">On 20 January 2026, the PRA published the final UK Basel 3.1 </span></div><div class=\"ps23264 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-941fb8a2 ps4867\">standards covering credit risk, operational risk, credit valuation </span></div><div class=\"ps23265 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-941fb8a2 ps4867\">adjustment risk and market risk requirements. The final rules will </span></div><div class=\"ps23266 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-941fb8a2 ps4867\">take effect from 1 January 2027, with the exception of the internal </span></div><div class=\"ps23267 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-941fb8a2 ps4867\">model approach for market risk, which will come into effect on </span></div><div class=\"ps8069 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-941fb8a2 ps4867\">1\u00a0January\u00a02028. The PRA has also published its final policy </span></div><div class=\"ps8070 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-941fb8a2 ps4867\">statement on the restatement of the remaining provision of the UK </span></div><div class=\"ps8071 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-941fb8a2 ps4867\">CRR, which will also take effect on 1 January 2027. </span></div><div class=\"ps8072 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps4867\">Pillar 2A review</span></div><div class=\"ps23268 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">In May 2025, the PRA issued a consultation paper proposing </span></div><div class=\"ps23269 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">updates to the Pillar 2A methodologies and guidance. It is the </span></div><div class=\"ps23270 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">first phase of a two-stage review. The PRA previously </span></div><div class=\"ps23271 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">confirmed its intention to review the Pillar 2A methodologies in </span></div><div class=\"ps23272 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">response to the changes introduced through the PRA\u2019s </span></div><div class=\"ps23273 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">implementation of the Basel 3.1 standards. The key changes </span></div><div class=\"ps23274 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">proposed, primarily driven by the changes to the Pillar 1 credit </span></div><div class=\"ps23276 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">risk framework are:</span><span class=\"f charStyle-33e1c6d6 ps23275\"> </span></div><div class=\"ps23277 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Removal of the benchmarking methodology (including the </span></div><div class=\"ps23278 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">IRB benchmarks) </span></div><div class=\"ps23279 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Introducing two systematic methodologies to address </span></div><div class=\"ps23280 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">underestimation under Pillar 1, for exposures to central </span></div><div class=\"ps23281 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">government and central banks, regional government and </span></div><div class=\"ps23282 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">local authorities and for revolving retail exposures that are </span></div><div class=\"ps23283 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4868\">unconditionally cancellable commitments</span></div><div class=\"ps23284 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">\u2022<span class=\"f ps2\"> </span></span><span class=\"f charStyle-33e1c6d6 ps4868\">Introducing the use of credit scenarios in the ICAAP.</span></div></div><div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">After the completion of the first phase, the PRA plans to </span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">conduct a more in-depth review of individual </span></div><div class=\"ps701 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">methodologies within Pillar 2A. The consultation closed for </span></div><div class=\"ps702 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">comment 30 September 2025, with no final policy response </span></div><div class=\"ps3313 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">issued to date.</span></div><div class=\"ps706 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">On 28 October 2025, the PRA released the near final policy </span></div><div class=\"ps3314 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">statement retiring the supervisory benchmarking-based </span></div><div class=\"ps6371 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">framework, moving away from the overarching </span></div><div class=\"ps6372 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">benchmarking-led approach to a more structured, </span></div><div class=\"ps8220 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">component based methodology aligned with Basel 3.1. </span></div><div class=\"ps8221 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">Subsequently on 20 January 2026 the PRA released the </span></div><div class=\"ps6026 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">final policy statement alongside the final UK Basel 3.1 </span></div><div class=\"ps6027 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">standards, with no changes made to the final policy. The </span></div><div class=\"ps6028 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">changes take effect 1 January 2027. </span></div><div class=\"ps7987 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">In September 2025, the PRA relaunched the data </span></div><div class=\"ps8276 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">collection exercise, confirming it will conduct an off-cycle </span></div><div class=\"ps6375 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">review of firm-specific Pillar 2 capital requirements ahead </span></div><div class=\"ps6376 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of the day-one implementation of Basel 3.1, with </span></div><div class=\"ps6377 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">submissions due 31 March 2026.</span></div><div class=\"ps8257 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">The review seeks to address potential double counting and </span></div><div class=\"ps8258 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">unwarranted increases or decreases in capital resulting from </span></div><div class=\"ps6380 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">RWA changes under Basel 3.1. The PRA intends to apply firm-</span></div><div class=\"ps6381 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">specific structural adjustments to Pillar 2A, where appropriate, </span></div><div class=\"ps6382 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">to ensure that overall capital requirements for SME and </span></div><div class=\"ps5212 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">infrastructure lending do not increase solely due to the removal </span></div><div class=\"ps6383 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">of the Pillar 1 supporting factors.</span></div><div class=\"ps8261 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">PRA 2026 priorities</span></div><div class=\"ps23285 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">On 15 January 2026, the PRA published its \u2018Dear CEO\u2019 letter </span></div><div class=\"ps22798 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">setting out its priorities for 2026. Key priorities remain </span></div><div class=\"ps22799 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">consistent with the prior year, notably strengthening risk </span></div><div class=\"ps22800 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">management, improving operational resilience, enhancing </span></div><div class=\"ps23286 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps23\">financial resilience through capital and liquidity expectations, </span></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">strengthening data governance and reporting and managing </span></div><div class=\"ps700 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">emerging technology risks. The PRA emphasised the role of </span></div><div class=\"ps701 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">strategic risk management, focusing on the three lines of </span></div><div class=\"ps702 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">defence. Added to this, data quality remained in focus, with the </span></div><div class=\"ps3313 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">use of skilled persons reviews to persist, should weaknesses be </span></div><div class=\"ps6370 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">identified. The PRA are also signalling that RWA accuracy is a </span></div><div class=\"ps80 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">board-level responsibility. Firms must be able to demonstrate </span></div><div class=\"ps707 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">strong governance, independent validation and data integrity </span></div><div class=\"ps710 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">underpinning calculations for both the Pillar 2 reassessment </span></div><div class=\"ps712 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">exercise and Basel 3.1 implementation.</span></div><div class=\"ps8221 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps4867\">UK leverage ratio framework</span></div><div class=\"ps21175 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-941fb8a2 ps4867\">On 12 November 2025, the PRA confirmed it will increase the retail </span></div><div class=\"ps21176 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-941fb8a2 ps4867\">deposit threshold to \u00a375 billion, from \u00a350 billion previously, with </span></div><div class=\"ps19169 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-941fb8a2 ps4867\">firms\u2019 retail deposits assessed against this threshold on a three-</span></div><div class=\"ps19170 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-941fb8a2 ps4867\">year average basis. The non-UK asset threshold of \u00a310\u00a0billion </span></div><div class=\"ps19171 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-941fb8a2 ps4867\">remains unchanged. These changes took effect on </span></div><div class=\"ps19173 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-941fb8a2 ps4867\">1\u00a0January\u00a02026. </span></div><div class=\"ps22786 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps4867\">MREL</span></div><div class=\"ps21179 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">In March 2026, the PRA published a number of policy </span></div><div class=\"ps21180 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">statements and supervisory updates relating to the UK </span></div><div class=\"ps10786 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">recovery and resolution framework. This included targeted </span></div><div class=\"ps21181 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">changes to MREL reporting, streamlining certain requirements, </span></div><div class=\"ps21182 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">and an increase in the threshold for firms in scope of the </span></div><div class=\"ps21183 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">Resolution Assessment framework to \u00a3100 billion in retail </span></div><div class=\"ps23287 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">deposits, therefore reducing the number of firms in scope. The </span></div><div class=\"ps23288 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-33e1c6d6 ps4867\">PRA also updated its expectations for recovery planning.</span></div><div class=\"ps23289 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-b9f48ea1 ps4867\">Pillar 3 disclosure requirement<span id=\"i283a065ee6314f40a85b8c13c45a2235_18405\"></span></span></div><div class=\"ps23290 ss8\"><div class=\"ss669 ws0 ps356\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:20.25pt\"></td><td style=\"padding:0;width:213pt\"></td></tr><tr style=\"height:32.25pt\"><td style=\"padding:0\"><div class=\"ps19 ss1491\"><div><div class=\"ps28 ss92\"><div class=\"ps52\"><div class=\"ps19\"><img alt=\"Website.svg\" id=\"i-242\" src=\"data:image/svg+xml;base64,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\" style=\"height:15.59pt;width:15.49pt\"/></div></div></div></div></div></td><td style=\"padding:0\"><div class=\"ps387 ss2378\"><div><div class=\"ps2632 ss696\"><span class=\"f charStyle-8bba9de6 ps7\">The 31 March 2026 Pillar 3 disclosures for the Investec plc <span class=\"f ps2\"> </span></span></div><div class=\"ps2634 ss696\"><span class=\"f charStyle-8bba9de6 ps7\">Group are published in a standalone disclosure report and can <span class=\"f ps2\"> </span></span></div><div class=\"ps5431 ss696\"><span class=\"f charStyle-8bba9de6 ps7\">be found on the Investec Group\u2019s website. <span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Capital structure </span></div><div class=\"ps22607 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:354.75pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:63pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps19 ss1901\"><div><div class=\"ps809 ss201\"><span class=\"f charStyle-a26246ce ps7\">\u00a3'million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15826 ss1771\"><div><div class=\"ps809 ss1767\"><span class=\"f charStyle-a26246ce ps10065\">31 March 2026*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15828 ss1771\"><div><div class=\"ps809 ss1767\"><span class=\"f charStyle-8d4b9b37 ps23292\">31 March 2025*<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps816 ss1903\"><div><div class=\"ps997 ss201\"><span class=\"f charStyle-b7f6e8e5 ps7\">Shareholders' Equity<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23151 ss2379\"><div><div class=\"ps997 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.88pt\"></span></span><span class=\"ps23293\">3\u00a0257<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23152 ss2379\"><div><div class=\"ps997 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:34.93pt\"></span></span><span class=\"ps23294\">3\u00a0042<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps184 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Shareholders\u2019 equity excluding non-controlling interests<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23296 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.36pt\"></span></span><span class=\"ps23295\">3\u00a0386<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23298 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.59pt\"></span></span><span class=\"ps23297\">3\u00a0138<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9200 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Foreseeable charges and dividends<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps23300 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.65pt\"></span></span><span class=\"ps23299\">(76)</span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps23302 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.16pt\"></span></span><span class=\"ps23301\">(63)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9204 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Perpetual preference share capital and share premium<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps23304 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.41pt\"></span></span><span class=\"ps23303\">(25)</span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps23305 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.41pt\"></span></span><span class=\"ps23303\">(25)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps4003 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deconsolidation of special purpose entities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps23307 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:45.29pt\"></span></span><span class=\"ps23306\">(28)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps23309 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.86pt\"></span></span><span class=\"ps23308\">(8)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#f5f4f2;padding:0\"><div class=\"ps4562 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-b7f6e8e5 ps7\">Non-controlling interests<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23310 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.06pt\"></span></span><span class=\"ps13718\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#f5f4f2;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23311 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.06pt\"></span></span><span class=\"ps13718\">\u2014<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9218 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Non-controlling interests per balance sheet<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23313 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:53.69pt\"></span></span><span class=\"ps23312\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23314 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:53.69pt\"></span></span><span class=\"ps23312\">1<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9225 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Non-controlling interests excluded for regulatory purposes<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps23316 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:51.1pt\"></span></span><span class=\"ps23315\">(1)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps23317 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:51.1pt\"></span></span><span class=\"ps23315\">(1)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps220 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-b7f6e8e5 ps7\">Regulatory adjustments to the accounting basis<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23319 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.04pt\"></span></span><span class=\"ps23318\">(7)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23320 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:48.55pt\"></span></span><span class=\"ps9787\">(8)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9234 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Additional value adjustments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23322 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:50.22pt\"></span></span><span class=\"ps23321\">(7)</span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23323 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.98pt\"></span></span><span class=\"ps15916\">(5)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9241 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cash flow hedging reserve<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;padding:0\"><div class=\"ps23324 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.53pt\"></span></span><span class=\"ps13705\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps23325 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.87pt\"></span></span><span class=\"ps13320\">(6)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9245 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Adjustment under IFRS 9 transitional arrangements<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps23326 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:49.53pt\"></span></span><span class=\"ps13705\">\u2014<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps23328 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:52.32pt\"></span></span><span class=\"ps23327\">3<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps3337 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-b7f6e8e5 ps7\">Deductions<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23330 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.14pt\"></span></span><span class=\"ps23329\">(679)</span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23331 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:39.01pt\"></span></span><span class=\"ps3638\">(674)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9254 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Goodwill and intangible assets net of deferred taxation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23333 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:41.07pt\"></span></span><span class=\"ps23332\">(678)</span></span></div></div></div></td><td style=\"border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23335 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:40.94pt\"></span></span><span class=\"ps23334\">(673)</span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps289 ss2380\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deferred taxation assets that rely on future profitability excluding those arising from <span class=\"f ps2\"> </span></span></div><div class=\"ps469 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">temporary\u00a0difference<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;padding:0\"><div class=\"ps23336 ss2381\"><div><div class=\"ps469 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:51.1pt\"></span></span><span class=\"ps23315\">(1)</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;padding:0\"><div class=\"ps23337 ss2381\"><div><div class=\"ps469 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:51.1pt\"></span></span><span class=\"ps23315\">(1)</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps346 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-b7f6e8e5 ps7\">Common Equity Tier 1 capital**<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23338 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.15pt\"></span></span><span class=\"ps16862\">2\u00a0571<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23340 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.06pt\"></span></span><span class=\"ps23339\">2\u00a0360<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9700 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Additional Tier 1 instruments<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23342 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.26pt\"></span></span><span class=\"ps23341\">350<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23343 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.26pt\"></span></span><span class=\"ps23341\">350<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9704 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-b7f6e8e5 ps7\">Tier 1 capital **<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23345 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.77pt\"></span></span><span class=\"ps23344\">2\u00a0921<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23346 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.82pt\"></span></span><span class=\"ps17609\">2\u00a0710<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9708 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-b7f6e8e5 ps7\">Tier 2 capital**<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps23348 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:42.22pt\"></span></span><span class=\"ps23347\">720<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps23350 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.71pt\"></span></span><span class=\"ps23349\">712<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-right:0.25pt solid #000;padding:0\"><div class=\"ps9712 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-9458d4de ps7\">Tier 2 instruments</span><span class=\"f charStyle-70e7a25b ps23351\"><sup>^</sup></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;border-left:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23353 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.64pt\"></span></span><span class=\"ps23352\">720<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #929292;border-right:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23355 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:44.9pt\"></span></span><span class=\"ps23354\">712<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps4715 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-b7f6e8e5 ps7\">Total regulatory capital**<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23357 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.19pt\"></span></span><span class=\"ps23356\">3\u00a0641<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;border-top:0.5pt solid #929292;padding:0\"><div class=\"ps23358 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:35.37pt\"></span></span><span class=\"ps13734\">3\u00a0422<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps22770 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Risk weighted assets and capital requirements</span></div><div class=\"ps23384 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:354.75pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:63pt\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps19 ss1901\"><div><div class=\"ps809 ss201\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15826 ss1771\"><div><div class=\"ps809 ss1767\"><span class=\"f charStyle-a26246ce ps10065\">31 March 2026*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15828 ss1771\"><div><div class=\"ps809 ss1767\"><span class=\"f charStyle-8d4b9b37 ps23292\">31 March 2025*<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"background-color:#ececeb;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps816 ss1903\"><div><div class=\"ps997 ss201\"><span class=\"f charStyle-13225c7c ps7\">Risk weighted assets</span><span class=\"f charStyle-19493eb4 ps23363\"><span class=\"f ps2\"> </span><sup>**</sup></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23151 ss2379\"><div><div class=\"ps997 ss1767\"><span class=\"f charStyle-b7f6e8e5 ps23364\">20\u00a0380<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23152 ss2379\"><div><div class=\"ps997 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.1pt\"></span></span><span class=\"ps22361\">19\u00a0221<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps184 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23296 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0 ps23365\">16\u00a0550<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps23298 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:33.39pt\"></span></span><span class=\"ps23366\">15\u00a0532<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9200 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Equity risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23300 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0 ps23367\">389<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps23302 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.31pt\"></span></span><span class=\"ps23368\">459<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9204 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Counterparty credit risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23304 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0 ps2186\">426<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps23305 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:44.43pt\"></span></span><span class=\"ps23369\">461<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4003 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit valuation adjustment risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23307 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0 ps23370\">32<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps23309 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.72pt\"></span></span><span class=\"ps23371\">30<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4562 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Market risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23310 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0 ps23372\">371<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps23311 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:43.08pt\"></span></span><span class=\"ps23373\">446<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9218 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Operational risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23313 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0 ps23374\">2\u00a0612<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps23314 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.51pt\"></span></span><span class=\"ps15316\">2\u00a0293<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps9225 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-13225c7c ps7\">Capital requirements</span><span class=\"f charStyle-19493eb4 ps23375\"><span class=\"f ps2\"> </span><sup>**</sup></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps23316 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5 ps16854\">1\u00a0630<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps23317 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:36.44pt\"></span></span><span class=\"ps22074\">1\u00a0538<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps220 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23319 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0 ps23376\">1\u00a0324<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps23320 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:37.62pt\"></span></span><span class=\"ps13499\">1\u00a0243<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9234 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Equity risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23322 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0 ps23377\">31<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps23323 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:48.1pt\"></span></span><span class=\"ps2044\">37<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9241 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Counterparty credit risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23324 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0 ps23378\">34<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps23325 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:48.1pt\"></span></span><span class=\"ps2044\">37<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9245 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Credit valuation adjustment risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23326 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0 ps23379\">3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps23328 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:52.46pt\"></span></span><span class=\"ps23380\">2<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3337 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Market risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23330 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0 ps23381\">30<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps23331 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:47.75pt\"></span></span><span class=\"ps23382\">36<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps9254 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Operational risk<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps23333 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0 ps23383\">208<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps23335 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0\"><span class=\"ps7\"><span style=\"display:inline-block;height:7.26pt;width:44.4pt\"></span></span><span class=\"ps12000\">183<span style=\"display:inline-block;height:7.26pt;width:2.59pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23385 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Leverage </span></div><div class=\"ps23390 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:354.75pt\"></td><td style=\"padding:0;width:63pt\"></td><td style=\"padding:0;width:63pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps19 ss1901\"><div><div class=\"ps809 ss201\"><span class=\"f charStyle-a26246ce ps7\">\u00a3\u2019million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15826 ss1771\"><div><div class=\"ps809 ss1767\"><span class=\"f charStyle-a26246ce ps10065\">31 March 2026*<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15828 ss1771\"><div><div class=\"ps809 ss1767\"><span class=\"f charStyle-8d4b9b37 ps23292\">31 March 2025*<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps816 ss1903\"><div><div class=\"ps997 ss201\"><span class=\"f charStyle-2b0f4fe0 ps7\">Total exposure measure<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23151 ss2379\"><div><div class=\"ps997 ss1767\"><span class=\"f charStyle-2b0f4fe0 ps18415\">32\u00a0021<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps23152 ss2379\"><div><div class=\"ps997 ss1767\"><span class=\"f charStyle-2b0f4fe0 ps20170\">28\u00a0089<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps184 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-9458d4de ps7\">Tier 1 capital</span><span class=\"f charStyle-70e7a25b ps23386\"><span class=\"f ps2\"> </span><sup>**</sup></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23296 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0 ps23374\">2\u00a0921<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"padding:0\"><div class=\"ps23298 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-2b0f4fe0 ps2684\">2\u00a0710<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #6d6d6d;padding:0\"><div class=\"ps9200 ss1901\"><div><div class=\"ps815 ss201\"><span class=\"f charStyle-13225c7c ps7\">Leverage ratio</span><span class=\"f charStyle-9458d4de ps23387\">**<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #6d6d6d;padding:0\"><div class=\"ps23300 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5 ps23388\">9.1%<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #6d6d6d;padding:0\"><div class=\"ps23302 ss1771\"><div><div class=\"ps815 ss1767\"><span class=\"f charStyle-b7f6e8e5\"><span class=\"ps23389\"></span><span class=\"ps23389\">9.6%<span style=\"display:inline-block;height:7.26pt;width:3.06pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23391 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">The capital adequacy and leverage disclosures for Investec plc include the deduction of foreseeable charges and dividends when calculating CET1 and Tier 1 capital. </span></span></div><div class=\"ps23392 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">These disclosures differ from the disclosures included in Investec Group\u2019s year-end results booklet 2026, which follow our normal basis of presentation and do not </span></div><div class=\"ps23393 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">include this deduction. Investec plc\u2019s CET1 ratio would be 37bps (31\u00a0March 2025: 33bps) and the leverage ratio 24bps (31 March 2025: 23bps) higher, on this basis. </span></div><div class=\"ps23394 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">**\u00a0<span style=\"display:inline-block;height:5.81pt;width:6.49pt\"></span></span><span class=\"ps968\">The March 2025 CET1, Tier 1, total capital and leverage ratios, and RWAs have been calculated applying the IFRS 9 transitional arrangements. Effective from 1 April </span></span></div><div class=\"ps23395 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">2025, IFRS 9 transitional arrangements ceased to apply, with all subsequent ratios presented on a fully loaded basis. </span></div><div class=\"ps23396 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">Tier 2 instruments include \u00a317 million of subordinated liabilities arising from the proportional consolidation of the Group's economic interest in Rathbones Group plc.</span></span></div><div class=\"ps75 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-21b4da98 ps23\">Total regulatory capital flow statement</span></div><div class=\"ps23484 ss8\"><div class=\"ss67 ws0 ps14\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:365.25pt\"></td><td style=\"padding:0;width:57.75pt\"></td><td style=\"padding:0;width:57.75pt\"></td></tr><tr style=\"height:11.25pt\"><td style=\"border-bottom:0.5pt solid #000;padding:0\"><span id=\"i2cda7e0a80fa474e8ddb778b818c6514_0-0-40-5-3222700\"></span><div class=\"ps19 ss2382\"><div><div class=\"ps11991 ss2335\"><span class=\"f charStyle-a26246ce ps7\">\u00a3'million<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps12531 ss1897\"><div><div class=\"ps11991 ss1893\"><span class=\"f charStyle-a26246ce ps23407\">31 March 2026<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps15023 ss1897\"><div><div class=\"ps11991 ss1893\"><span class=\"f charStyle-8d4b9b37 ps19472\">31 March 2025*<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps3419 ss2383\"><div><div class=\"ps997 ss2335\"><span class=\"f charStyle-b7f6e8e5 ps7\">Opening Common Equity Tier 1 capital<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23409 ss2384\"><div><div class=\"ps997 ss1893\"><span class=\"f charStyle-b7f6e8e5 ps23408\">2\u00a0360<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-top:0.5pt solid #000;padding:0\"><div class=\"ps23411 ss2384\"><div><div class=\"ps997 ss1893\"><span class=\"f charStyle-b7f6e8e5 ps23410\">2\u00a0237<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"padding:0\"><div class=\"ps326 ss2382\"><div><div class=\"ps2754 ss2335\"><span class=\"f charStyle-2b0f4fe0 ps7\">Dividends paid to ordinary shareholders and Additional Tier 1 security holders<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23413 ss1897\"><div><div class=\"ps2754 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23412\">(156)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps23415 ss1897\"><div><div class=\"ps2754 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23414\">(144)<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4463 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-2b0f4fe0 ps7\">Profit after taxation<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23417 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23416\">340<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps23419 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23418\">332<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps3551 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-2b0f4fe0 ps7\">Foreseeable charges and dividends<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23421 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23420\">(13)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps23423 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23422\">(7)<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4561 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-2b0f4fe0 ps7\">Treasury shares^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23425 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23424\">(62)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps23426 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps15360\">(45)<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps114 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-2b0f4fe0 ps7\">Share-based payment adjustments^<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23428 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23427\">52<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps23429 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps19118\">42<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps9365 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-2b0f4fe0 ps7\">Net equity impact on non-controlling interest movement<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23431 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23430\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps23433 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23432\">2<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4677 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-2b0f4fe0 ps7\">Movement in other comprehensive income<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23435 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23434\">66<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps23436 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps11956\">(50)<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps11931 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-2b0f4fe0 ps7\">Cash flow hedging reserve<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23437 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23432\">6<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps23439 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23438\">11<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps2615 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-2b0f4fe0 ps7\">Net equity movements in associates and joint ventures<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23441 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23440\">8<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps23442 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps16812\">(8)<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps16444 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-2b0f4fe0 ps7\">Goodwill and intangible assets (deduction net of related taxation liability)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23444 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23443\">(5)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps23446 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23445\">(2)<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15539 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deferred tax that relies on future profitability (excluding those arising from temporary differences)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23447 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23430\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps23449 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23448\">1<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15546 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-2b0f4fe0 ps7\">Deconsolidation of special purpose entities<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23450 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps4270\">(20)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps23452 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23451\">5<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15276 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-2b0f4fe0 ps7\">IFRS 9 transitional arrangements<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23454 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23453\">(3)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps23455 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps908\">(17)<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15286 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other, including regulatory adjustments and other transitional arrangements<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23456 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23445\">(2)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps23458 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23457\">3<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15299 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-b7f6e8e5 ps7\">Closing Common Equity Tier 1 capital<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps23459 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-b7f6e8e5 ps10008\">2\u00a0571<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23460 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-b7f6e8e5 ps23408\">2\u00a0360<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4599 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-b7f6e8e5 ps7\">Opening Additional Tier 1 capital<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23461 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps21467\">350<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps23462 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps16860\">458<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15567 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-2b0f4fe0 ps7\">Redeemed capital <span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps23463 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23430\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #b6b6b6;padding:0\"><div class=\"ps23464 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps9571\">(108)<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15568 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-b7f6e8e5 ps7\">Closing Additional Tier 1 capital<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;border-top:0.25pt solid #000;padding:0\"><div class=\"ps23465 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps21467\">350<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;border-top:0.5pt solid #b6b6b6;padding:0\"><div class=\"ps23466 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps21467\">350<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps15569 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-b7f6e8e5 ps7\">Closing Tier 1 capital<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps23468 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-b7f6e8e5 ps23467\">2\u00a0921<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23469 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-b7f6e8e5 ps926\">2\u00a0710<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15575 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-b7f6e8e5 ps7\">Opening Tier 2 capital<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23470 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-b7f6e8e5 ps18406\">712<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps23471 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-b7f6e8e5 ps18406\">712<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps15583 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-2b0f4fe0 ps7\">Issued capital<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23473 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23472\">300<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps23474 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23430\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps4718 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-2b0f4fe0 ps7\">Redeemed capital<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23475 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps5541\">(295)<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps23476 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23430\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"padding:0\"><div class=\"ps14156 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-2b0f4fe0 ps7\">Other, including regulatory adjustments and other transitional arrangements<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#f5f3f1;padding:0\"><div class=\"ps23477 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23457\">3<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"><div class=\"ps23478 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-2b0f4fe0 ps23430\">\u2014<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps1227 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-b7f6e8e5 ps7\">Closing Tier 2 capital<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;padding:0\"><div class=\"ps23480 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-b7f6e8e5 ps23479\">720<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;padding:0\"><div class=\"ps23481 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-b7f6e8e5 ps18406\">712<span class=\"f ps2\"> </span></span></div></div></div></td></tr><tr style=\"height:3.75pt\"><td style=\"padding:0\"></td><td style=\"background-color:#f5f3f1;padding:0\"></td><td style=\"background-color:#ffffff;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><span id=\"i2cda7e0a80fa474e8ddb778b818c6514_39-0-1-1-3222700\"></span><div class=\"ps2422 ss2336\"><div><div class=\"ps815 ss2335\"><span class=\"f charStyle-b7f6e8e5 ps7\">Closing total regulatory capital<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#a9bbc3;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps23482 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-b7f6e8e5 ps882\">3\u00a0641<span class=\"f ps2\"> </span></span></div></div></div></td><td style=\"background-color:#ececeb;border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps23483 ss2385\"><div><div class=\"ps815 ss1893\"><span class=\"f charStyle-b7f6e8e5 ps16597\">3\u00a0422<span class=\"f ps2\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps23485 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">*<span style=\"display:inline-block;height:5.81pt;width:11.17pt\"></span></span><span class=\"ps968\">The March 2025 CET1, Tier 1, total capital and leverage ratios, and RWAs have been calculated applying the IFRS 9 transitional arrangements. Effective from 1 April </span></span></div><div class=\"ps23486 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">2025, IFRS 9 transitional arrangements ceased to apply, with all subsequent ratios presented on a fully loaded basis. </span></div><div class=\"ps23487 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f\"><span class=\"ps23\">^<span style=\"display:inline-block;height:5.81pt;width:11.5pt\"></span></span><span class=\"ps968\">Treasury shares and share-based payment adjustments have been restated due to realised gains and losses on treasury shares, predominantly held in respect of </span></span></div><div class=\"ps23488 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">share schemes, being inconsistently presented between Group entities. Treasury shares are now reflected at cost and all realised gains and losses on treasury shares </span></div><div class=\"ps23489 ss8\" style=\"font-size:12pt\"><span class=\"f charStyle-207fba8f ps968\">recognised in retained income.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfObjectivesPoliciesAndProcessesForManagingCapitalExplanatory",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-970": {
   "value": "United Kingdom Registered office: 30 Gresham Street, London, EC2V 7QP, UK",
   "dimensions": {
    "concept": "ifrs-full:AddressOfRegisteredOfficeOfEntity",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-971": {
   "value": "1168195000.0",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:RevenueAndOperatingIncome",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f-972": {
   "value": "1154666000.0",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:RevenueAndOperatingIncome",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2024-04-01T00:00:00/2025-04-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f-973": {
   "value": "355000.0",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:ProfitLossAttributableToNoncontrollingInterests",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f-974": {
   "value": "12000.0",
   "decimals": -3,
   "dimensions": {
    "concept": "ifrs-full:ProfitLossAttributableToNoncontrollingInterests",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2024-04-01T00:00:00/2025-04-01T00:00:00",
    "unit": "iso4217:GBP"
   }
  },
  "f-975": {
   "value": "United Kingdom",
   "dimensions": {
    "concept": "ifrs-full:CountryOfIncorporation",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  },
  "f-976": {
   "value": "United Kingdom",
   "dimensions": {
    "concept": "ifrs-full:DomicileOfEntity",
    "language": "en",
    "entity": "scheme:2138007Z3U5GWDN3MY22",
    "period": "2025-04-01T00:00:00/2026-04-01T00:00:00"
   }
  }
 }
}